Annual multi-trip travel insurance in Quebec (2026)
Are you traveling multiple times a year? An annual multi-trip policy covers all your trips for 12 months, up to a maximum duration per trip. Here’s how to determine if it’s cost-effective for you.
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If you fly multiple times a year — getaways to the United States, business trips, vacations in the South, family visits outside Quebec — purchasing travel insurance for each departure can become expensive and requires management. The annual multi-trip package solves this problem: a single policy covers all your trips for the year, up to a maximum duration set per trip.
This page explains how the annual plan works, the famous maximum duration per trip, and how to assess its cost-effectiveness compared to single-trip policies. The amounts presented are for informational purposes only and vary based on your profile; your exact premium is determined after analysis by an insurance broker from a certified AMF partner firm.
What is an annual multi-trip travel insurance?
It is a policy that protects you for an entire year for an unlimited number of trips, rather than for a single dated stay. Each time you leave Quebec, your emergency medical coverage automatically activates, without needing to purchase a new policy. The only condition is that each trip adheres to the maximum duration “““html prévue au contrat (for example, 15, 30, or 60 consecutive days).
The plan is mainly aimed at frequent travelers and those who often decide at the last minute: protection is already in place, regardless of the current destination.
How the maximum duration per trip works
A limit per stay
The annual policy does not limit the number of trips, but each cannot exceed a maximum duration (often 15, 30, or 60 days). Choose the tier that corresponds to your longest stay of the year.
The counter resets with each departure
As soon as you return to Quebec and then leave again, a new trip begins. You can therefore chain several stays throughout the year without additional costs.
Long stays exceed the limit
A snowbird who spends 4 months in Florida exceeds the maximum duration of a standard annual policy: they will need long-stay coverage or an extension instead. To be validated with an insurance broker.
Option to extend a trip
Some policies allow for increasing the maximum duration (top-up) for a specific trip. This is useful if only one of your stays is longer than the others.
How many trips make it worthwhile?
The general rule in Quebec: as soon as you leave more than two or three times a year, the annual plan often costs less than the sum of individual policies. The gap widens in your favor as your departures multiply. Conversely, if you only travel once a year, a single policy is sufficient and costs less.
To decide, compare the total annual cost of your past individual policies with the price of an annual plan for your profile. The table below illustrates the comparison logic.
Annual multi-trip vs individual policies (illustration)
| Traveler Profile | Number of Trips / Year | Often More Advantageous Plan |
|---|---|---|
| Occasional Traveler | 1 trip | Individual policy |
| Regular Traveler | 2–3 short trips | To compare — often the annual |
| Frequent Traveler | 4 trips and more | Annual multi-trip plan |
| Business Traveler | Frequent unexpected departures | Annual plan (already in effect) |
| Family traveling 2 times/year | 2 stays + children | To compare based on age |
| Snowbird (single long stay) | 1 stay of 3–6 months | Dedicated long-stay coverage |
Illustrative table only, for informational purposes. The most advantageous plan depends on your age, destinations, and the duration of each trip. The actual premium is determined after analysis by an insurance broker from a certified AMF partner firm.
How to choose your annual plan
The reflex to adopt with an annual plan
Note the end date of your annual policy in your calendar. Many travelers believe they are covered all year when their contract has expired. Also, remember to confirm that your next stay complies with the maximum duration before booking a longer trip than usual.
A long stay is not covered like a short trip
If one of your trips exceeds the maximum duration per trip of your annual policy (for example, a winter stay of several months), coverage may cease beyond the limit. In this case, plan for an extension or dedicated long-stay insurance to avoid being without medical protection abroad.
Frequently Asked Questions
What is a multi-trip travel insurance?
It is an annual policy that covers all your trips for 12 months, with no limit on the number of departures, as long as each complies with a maximum duration specified in the contract (often 15, 30, or 60 days). These conditions vary by insurer.
How many trips make the annual plan worthwhile?
Generally speaking, as soon as you travel more than two or three times a year, the annual plan often costs less than the sum of individual policies. The best way to decide remains to compare for your specific profile.
How much does annual travel insurance cost in Quebec?
For reference, an annual multi-trip plan typically ranges from $150 to $400, depending on age, health status, maximum duration per trip, and amount of coverage. This amount is indicative and varies by profile; the actual premium is determined after analysis by a broker.
What is the maximum duration per trip?
It depends on the chosen tier: 15, 30, or 60 days are common durations. Each trip that does not exceed this limit is covered. Choose the tier based on your longest planned stay for the year.
Can a snowbird use a multi-trip annual policy?
Not for their long stay: a winter stay of 3 to 6 months exceeds the maximum duration of a standard annual policy. The snowbird generally needs dedicated long-stay coverage. However, an annual policy can cover their other short trips.
Can I extend the duration of a single trip?
Often yes: some policies allow for temporarily increasing the maximum duration (top-up) for a specific trip, for an additional fee. This is convenient if only one of your stays is longer than the others. Validate the option with an insurance broker.
Does the annual policy cover multiple people?
Some plans allow adding a spouse and dependent children under an annual family coverage. Conditions and eligible ages vary by insurer, which is why comparing is important.
How to get the best price on an annual plan?
The most effective way is to compare several insurers for equivalent protection. Assur360 is an independent comparison platform that connects you for free with partner firms and insurance brokers.
Why compare with Assur360
Assur360 is an independent comparison platform. We do not sell insurance: we connect you for free with AMF-certified partner firms and insurance brokers who compare annual plans for you.
- Free and no-obligation comparison
- Partner firms and brokers certified AMF (regulated by the Chamber of Insurance)
- Fact-based information: indicative prices, premium established after analyzing your profile
- Over 100,000 Quebecers guided towards the right protection
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