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. 



6 Answers

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

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.

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.

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

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.

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 ....


* is not a booking agent or travel agency, and does not charge any service fees to users of our site. Our partners (travel agencies and cruise lines) provide prices, which we list for our users' convenience. does not guarantee any specific rates or prices. While prices are updated daily, please check with the booking site for the exact amount. is not responsible for content on external web sites.

Back to Top