One of the most common types of injury is from winter sports activities. That is why your multi trip travel insurance web travel insurance supplier offers winter sports as an option, so you can either be covered for winter sports or have the cheaper option of not being covered if you do not participate in these sports.
Most annual policies only allow you to travel for a certain amount of days per trip, normally 30 days. If you intend to travel for a longer period, even if it is well within your policy dates, you should buy a policy that allows extended travel periods. This may cost a bit more.
The USA is not renown for offering free or cheap medical treatment. Many Americans would not consider ever not having health insurance, so it makes sense to never travel to the USA without multi trip travel insurance web travel insurance. Even the smallest of treatments can cost more than your holiday did.