Annual Multi-Trip Travel Insurance
Buy one steady policy and stay covered for an entire year of trips. Built for Carolina families and professionals who travel more than once a year and want a dependable foundation instead of a new policy every time they pack a bag.
One Policy. One Year. Every Trip.
Most travel insurance is sold trip by trip — a separate purchase, separate paperwork, and a separate worry each time you book. Arch RoamRight's Annual Multi-Trip Travel Insurance works on a different principle. You buy it once, and it stays in place for a full year, covering every qualifying trip you take.
For frequent travelers, that's the difference between a stack of one-off policies and one dependable foundation under all your travel for the year. Cornerstone Insurance offers this plan through Arch Insurance Company — the same underwriter trusted by tens of thousands of U.S. travelers — so you have a steady answer ready before the next ticket is booked.
Coverage & Benefit Limits
These are the per-person, per-year aggregate limits that sit underneath every trip you take during your policy year. They form the foundation of the plan.
| Benefit | Limit |
|---|---|
| Trip Cancellation | Up to 100% of Trip Cost |
| Trip Interruption | Up to 100% of Trip Cost |
| Trip Delay | $1,000 ($200/day), after a 12+ hour delay |
| Missed Connection (outward journey only) | $500, after a 3+ hour delay |
| Baggage Delay (outward journey only) | $300, after a 24+ hour delay |
| Baggage / Personal Effects | $1,000 ($250 per article; combined limit of $500 for valuables) |
| Emergency Accident & Sickness Medical Expense | $25,000 ($750 Dental), No Deductible, Excess |
| Emergency Evacuation & Repatriation | $250,000 (max 1 occurrence/year) |
| Political & Security Evacuation | $100,000 (evac within 7 days of event) |
| Accidental Death & Dismemberment | $25,000 |
| Emergency Travel Assistance Services | Included (24/7) |
Limits shown are per person, per year, on an aggregate basis. See the policy for full terms and exclusions.
Policy Details
The structural rules of the plan. Reading these once at purchase is the steadiest way to know exactly what's covered before you ever leave home.
Maximum Traveler Age
75 years old.
Maximum Trip Length
Up to 30 days per trip, unlimited trips per year.
Distance Requirement
Trips must be 100+ miles from your primary residence to qualify.
Money-Back Guarantee
14 days to review and cancel for a refund if no claim has been filed (30 days for Indiana residents).
Pre-existing Conditions
180-day lookback period applies. See the policy for full criteria.
U.S. Residents Only
Coverage is available to residents of the United States.
Annual Pricing by Trip-Cost Tier
One annual premium covers every qualifying trip you take during your policy year. Choose the trip-cost tier that fits the most you'd reasonably spend on a single trip — the price below is the total for the entire year, not per trip. Travelers must be age 75 or under, with each trip 30 days or less and at least 100 miles from your primary residence.
| Per-Trip Cost Tier | Annual Premium |
|---|---|
| $2,500 (base) | $192 |
| $2,501 – $5,000 | $320 |
| $5,001 – $7,500 | $447 |
| $7,501 – $10,000 | $574 |
Pricing as of Dec 2023, subject to change.
24/7 Emergency Travel Assistance
Worldwide, around the clock. The steady voice on the other end of the line when something goes sideways far from home.
Travel Assistance
- • Lost or stolen document replacement
- • Emergency travel arrangements
- • Transfer of funds
- • Legal referrals
- • Language services
- • Message transmittals
Medical Assistance
- • Worldwide medical & dental referrals
- • Treatment monitoring
- • Insurance and medical information relay
- • 24-hour health information
- • Medication and vaccine transfers
- • Family, employer, and physician updates
- • Replacement of corrective lenses & medical devices
Emergency Transportation
Arranged by the designated provider:
- • Medical evacuation
- • Medically necessary repatriation
- • Repatriation of remains
- • Return of dependent children
- • Emergency medical reunion
- • Political & security evacuation
Covered Events
Common reasons a trip can fall apart — and the kind of events the plan is built to absorb. Each must be unforeseen at the time of purchase. See the policy for the full list and exact conditions.
Frequently Asked Questions
How is this different from a single-trip travel insurance policy? +
A single-trip policy covers exactly one trip. An Annual Multi-Trip policy is one purchase that stays in place for a full year and covers every qualifying trip you take during that year. If you travel more than once or twice annually, the annual plan removes the chore of buying a new policy each time.
Is there a limit on how many trips I can take in a year? +
No — trips are unlimited during your policy year. The structural limits are per-trip: each trip must be 30 days or less and at least 100 miles from your primary residence.
Who can buy this policy? +
U.S. residents age 75 or under. Coverages may vary in certain states — see the policy for state-specific terms.
What about pre-existing medical conditions? +
The plan applies a 180-day lookback period for pre-existing conditions. The exact criteria and any waiver provisions are defined in the policy — please refer to your plan or contact us before purchase if a known condition is a concern.
Can I change my mind after I buy? +
Yes. A 14-day money-back guarantee applies if no claim has been filed (Indiana residents get 30 days). Review the policy documents promptly after purchase to make sure it fits.
How does the medical coverage work overseas? +
The plan provides up to $25,000 in Emergency Accident & Sickness Medical Expense ($750 dental sub-limit) on an excess basis with no deductible, plus up to $250,000 in Emergency Evacuation & Repatriation. 24/7 emergency travel assistance is included to help coordinate care anywhere in the world.
Does it cover trips inside the United States? +
Yes — as long as the trip is at least 100 miles from your primary residence and meets the other policy requirements. The plan isn't only for international travel.
How do I get a quote or buy a policy? +
Use our Arch RoamRight quote portal to price and purchase online, or call 843-718-0075 to speak with a licensed producer. We're happy to walk through the right trip-cost tier with you before you commit.
Build a Steady Year of Travel
One policy. One quote. Every qualifying trip for the next twelve months under the same dependable foundation.
The insurance coverage or plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your plan for detailed terms, conditions and exclusions. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150 under form series LTP 2013 and amendments thereto. Plans are sold by Beach Insurance LLC DBA Cornerstone Insurance Group, a licensed producer. The licensed insurance producer may be reached at 843-718-0075 and the underwriter may be reached at 1-844-872-4163.