Travel Insurance

World Explorer Multi℠

COVID-19 covered up to
$100,000 for medical expenses in countries with a Level 3 or lower advisory status, read more.

Take multiple trips each year?
If they are always under 30 or 45 days long then Multi30 or Multi45 is for you
Up to $1,000,000 Medical Benefits
Up to $500,000 Medical Evacuation
$250 deductible

Hospital Inpatient & Outpatient care
Doctors Office, Urgent Care/Walk-in Clinic visits

Adventure Sports cover optional
Personal Equipment cover optional

TrustPilot rated "Excellent"
24 hour Emergency Medical Assistance
Extremely Responsive Claims Service

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An annual mult-trip travel medical policy is at your fingertips. Go ahead, it's easy and affordable.
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Policy Wording

Read all about it. As a reference and so that you understand, we have included the full policy wording. Easily accessible.



Take a look at the features, highlights and schedule of benefits in this easy to follow brochure for the World Explorer Multi 30 & Multi 45 plans.


Insurance Claims

Efficiency and precision are vital, yet if those are the only qualities we bring to the table, we’ve already lost. Each claim represents a human being, and at Point Comfort Underwriters, our fantastic Claims teams are trained to never lose sight of that fact.

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Does it cover covid-19 infections?


International travel and transportation are the lifeblood of the global economy and Covid-19 threw a big wrench into its gears.

One giant step toward getting this machine running again is the provision of coverage for medical expenses related to Covid-19 and its variants. Our plans provides up to $100,000 in medical expense coverage for Covid-19 contracted while you are abroad if the country you are in has a Level 3 or lower advisory status with the US Department of State. Click here to view the advisory links/status.

The coverage benefit is available to travelers at no additional premium and with no age limit on who can obtain coverage. All plans include coverage for Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Minor Child and Local Burial or Cremation. Coverage for other accidents and illnesses remain in force should you contract Covid-19.

How is a pre-existing condition defined?


On World Explorer plans a pre-existing condition is defined as any
 (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies,        consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years        immediately preceding your Certificate Effective Date;
 (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding your Certificate Effective Date;
(3) Injury, Illness, sickness, disease, or other physical, medical, mental, or nervous condition, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of your application or within the 2 years immediately preceding your Certificate Effective Date.

When does my coverage begin?


Your coverage begins on the latest of the following (provided always that premium is fully paid):
  1. 12:01 am EST on the date indicated on your Certificate; or
  2. the moment you depart from your Home Country.
You can purchase the policy after you have left for your travels.