if you travel frequently anyway and you have a primary plan in the US, GeoBlue multiple trip insurance (trekker choice/essential) meets this requirement and for $124-$175 (for a 35 yo, for example) you're covered for other trips up to 70 days (per trip) globally too for 1 year. Just make sure you include all the plan documents on the portal when you apply for the QR code. I used to carry this insurance when I was based out of the US because it was more cost-effective than buying trip-specific plans. And I did not have any issues with them when I had to make claims either.