Annual Multi Trip Travel - Universal

A comprehensive travel insurance and assistance plan covering multiple trips over the course of a year.


We're updating our portfolio of plans.
New Annual Plans coming soon.

Who is this policy designed for ?

Individuals that travel 3 or more times a year, never for more than 90 consecutive days, & are more concerned with an economical policy than higher coverage limits. A coverage upgrade can be purchased for people who travel with pets, play golf, ski, or carry sports &/or business equipment. A separate coverage upgrade is available for individuals who rent cars, stay in rental properties, &/or travel to attend ticketed events.


  • Trip Interruption up to $5,000 for situations such as sickness, injury, or death, weather & natural disasters, terrorism or strikes, military or jury duty, bankruptcy or mechanical issues with your travel suppliers, stolen passports or visa, & much more.
  • Emergency Medical Expenses up to $50,000
  • Emergency Evacuation/Repatriation coverage up to $100,000
  • Baggage & Personal Effects coverage up to $1,000
  • Trip Delay (6 hours) coverage of $100 per day & up to $750 max
  • Baggage Delay (12 hours) coverage of $100 per day & up to $300 max
  • AD & D coverage up to $25,000
  • Plus much more!

Useful documents

Practical information

Age limit to purchase: 80 years old

Maximum consecutive days traveled:  60

Must purchase no later than: Day prior to departure

Associated services

Stress Less Benefits are included with this plan & allow our policyholders to often avoid going through a claims reimbursement process. Simply call, Skype, text, live chat, or email us when you encounter an insurable event while traveling, and we will coordinate and pay for your medical visit, flight change, hotel overnight, evacuation, or other service as covered by your policy.

Assistance Services such as Lost Luggage tracking, Express Airport Security Assistance, Access to Medical Providers, Eyeglasses/Contact Lens/Medical Prescriptions Replacement, Identity Theft, plus many more are included with this plan.  For a full list of these services plus a description of each, please click on "General conditions" in the "Useful documents" section above.

Concierge Services such as Restaurant Referrals & Recommendations, Event Ticketing, Smartphone Travel Applications, Airport Transfers, Retail Discounts, & more are included with this plan.  For a full list of these services plus a description of each, please click on "General conditions" in the "Useful documents" section above.

Customer Service & Emergency Travel Assistance Support in your language are available 24 hours a day, 365 days of the year.


  • $38 - BAGGAGE, PETS, GOLF & SKI PACKAGE includes:
    • Baggage & Personal Effects coverage for Sports, Business, or Wedding-Related Equipment up to $1,000
    • Hotel Burglary coverage up to $1,000 (for properties within the U.S. & Canada)
    • Traveling Pet Medical coverage up to $1,000
    • Lost Golf Rounds or Skier Days coverage up to $250
  • $90 - TRAVEL PACKAGE includes:
    • Event Ticket Cancellation coverage up to $250
    • Rental Car Collision coverage up to $50,000 (with a $250 deductible)
    • Hotel Overbooking coverage up to $500
    • Change of mind or plans coverage up to $500
    • Rental Property Damage coverage up to $1,500

List of excluded countries and/or states

Can only be sold in the United States (excluding Massachusetts, New Hampshire & Puerto Rico)

Annual Multi Trip Travel - Universal is a product of APRIL USA Travel Protection

This plan is underwritten by American Modern Home Insurance Company (NAIC #23469, and in California, doing business as American Modern Insurance Company), a member company of American Modern Insurance Group, under policy form series AMT001.

Please read the policy carefully.

This is only a summary of our program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control. Please contact APRIL Travel Protection if you have any questions at (855) 277-4587 or info [at] apriltravelprotection [dot] com.