Annual Travel Insurance Plans

Taking more than one trip per year?  Looking for travel insurance with COVID protection? These travel insurance plans might be for you.  Please read and understand any travel insurance policy you may purchase.  Terms, conditions, and coverages are subject to change.

Annual Deluxe Plan

Good Essential Protection

  • Trip Cancellation/Interruption: $3,000
  • Travel Delay (6 hours):  $600 ($200/day)
  • Emergency Medical (Secondary): $20,000
  • Emergency Transportation: $100,000
  • Travel Accident: $25,000
  • Dental Sublimit: $750
  • Baggage Coverage: $1,000
  • Baggage Delay (12 hours): $200
  • Rental Car: $45,000 (see exclusions)
  • 24 Hour Phone Assistance: Included
  • Concierge: Included
  • COVID Protection (see details below)
  • $275 Per Traveler
  • $265:  Florida
  • KS, TX: $225 (rental car protection excluded)

Annual Executive Plan

Higher Limits

  • Trip Cancellation/Interruption: $5K, $7.5K, or $10K
  • Travel Delay: $1,600 ($200/day)
  • Emergency Medical (Secondary): $50,000
  • Emergency Transportation: $250,000
  • Travel Accident: $50,000
  • Dental Sublimit: $750
  • Baggage Coverage: $1,000
  • Baggage Delay (12 hours): $1,000
  • Rental Car: $45,000 (see exclusions)
  • 24 Hour Phone Assistance:  Included
  • Concierge:  Included
  • COVID Protection (see details below)
    • $5K plan: $500
      FL: $475
      KS, TX $450 (rental car protection excluded)
      $7.5K plan: $620
      FL: $590
      KS, TX: $570 (rental car protection excluded)
      $10K plan: $785
      FL: $750
      KS, TX: $735 (rental car protection excluded)
About Annual Travel Insurance Plans

For those who take more than one international trip per year, an annual insurance plan may be the best option.  It gives coverage from the start date of the policy until a year later, no matter how many trips are taken as long as no trip is more than 45 consecutive days.  Travelers are required to have an existing primary health insurance policy.

There is plenty of flexibility depending upon how much of your trip you want insured.  Each package provides health, accident and emergency transportation coverage, something every traveler should have.  As far as trip cancellation/interruption/delay and baggage coverage, the Annual Deluxe Policy provides an amount of coverage that you may feel comfortable with.  For those who want more of their travel investment covered, the Executive Plan is there to consider. 

COVID Protection

Travel insurance with COVID protection is of great importance to travelers these days.  The new Epidemic Coverage Endorsement adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic.  Your annual plan may include this endorsement.  Look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply.

For plans that now include the new Epidemic Coverage Endorsement, it may now include epidemic-related covered reasons under some or all of the following benefits:

  • Trip Cancellation, if for example you must cancel your trip after being diagnosed with COVID-19.
  • Trip Interruption, if for example during your trip you are specifically named and individually ordered to quarantine (not including generally or broadly applicable quarantines). See below for details.
  • Travel Delay, if for example you are denied boarding based on a suspicion that you are ill with an epidemic disease such as COVID-19.
  • Emergency Medical Care, if for example you are diagnosed with COVID-19 and need to be hospitalized while traveling.
  • Emergency Transportation, if for example you’re diagnosed with an epidemic disease such as COVID-19 while you’re traveling and you require an emergency medical evacuation.

Here are a few more important things to know:

  • If you cancel or cut short a trip because you’re afraid of becoming ill with COVID-19, or because a travel advisory has been issued for your destination, that will not be covered by our travel insurance plans.
  • Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.  Be sure to review your plan carefully to understand what limits apply to your plan.
  • Always read and understand the terms, conditions, limits, etc. of any insurance policy you may purchase.  These terms, conditions, limits, etc. may be subject to change.  The issued insurance policy determines the terms, conditions, limits, etc. of the travel insurance policy.
  • As of August 1, 2021 epidemic coverage endorsement is not available in states of CO, IN, MO, NY, PA, VA and WA and is subject to change.
Free Annual Travel Insurance Offer
Offers can only be provided if departure date is within 60 days of today.

Provide name(s) of travelers as they appear on passport(s), DOB, address, phone, start/end date of travel, destination, which plan (Annual Deluxe or Annual Executive). If selecting Annual Executive, please indicate coverage amount.
We will send out an offer that can be purchased immediately.