cucruizin
Contributor Level: First Mate

Annual Travel Insurance Policy?

Has anyone ever gotten an annual travel insurance policy? If so, how many trips are you taking? 

 

A few years ago I asked the travel insurance person about an annual policy. At that point, we weren't really traveling that much. Last year & this year we're doing 2 cruises and a land based vacay (out of the country). I purchased trip insurance for each trip, but it's always been a separate policy. I'll do some checking, but was just wondering when an annual policy might be a better option than separate policies for each trip. 

 

thanks!!

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6 Answers

akaGrandmaJo
Contributor Level: Staff Captain

Good question, and I'm interested to read any answers.

glomarrone
Contributor Level: Admiral

I don't think that they are very cost effective but it is best if you check with the individual travel insurance companies.  Be sure to read the fine print. 

cucruizin
Contributor Level: First Mate

I thought I'd asked a question about annual travel insurance...searched and was able to find. I'm really getting the hang of this! LOL

I ended up checking on the annual policies and was quite surprised. One quote from Allianz was $498 - trip cancellation/interruption coverage was $25,000; emergency medical/$20,000; baggage loss/$1000; travel delay/$500. Roam Right had a comparable policy for $384. Some of the policies don't include trip cancellation and have limitations on the number of claims in a year. I'd also like something with higher medical limits (just in case). 

I ended up booking another cruise for Sept, so we're up to 3 for this year and a land based vacation out of the country.  I was about to look into the trip insurance for the Sept trip, which would be a 4th travel insurance policy! Given the plans for next year, an annual policy starting with this year's Sept cruise looks like the way to go.  

AuntPinkie
Contributor Level: Captain

Thanks for the update.  Something to consider for the future.

BonMike
Contributor Level: Captain

We just purchase our insurance per trip because we only take one big trip per year. If we are heading down to Seattle for a few days we purchase another package. 

Now I'm going to look into an annual package too to see if it's cost effective.

DVCruise
Contributor Level: Captain

Non-refundable air fare used to be my pet peeve ... but now I use Southwest and have had no issues changing/cancelling flights... they make it easy to redeem any credits you have when booking a new flight online, so it's hassle free.  The insurance I get via Princess with upgrades due to status is really cheap (avg $39 per cruise) and more than adequate...I use a credit card that provides additional insurance when renting a car.

As much as I travel, I couldn't justify an annual policy ....

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