Annual Travel Insurance Plans

Get advice and a free quote from The New York Times Travel Insurance Expert, Professor Steve Solosky

Taking more than one trip per year?  Looking for travel insurance with COVID protection? This might be the best travel insurance 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, NY: $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, NY $450 (rental car protection excluded)
  • $7.5K plan: $620
  • FL: $590
  • KS, TX, NY: $570 (rental car protection excluded)
  • $10K plan: $785
  • FL: $750
  • KS, TX, NY: $735 (rental car protection excluded)
Annual Travel Insurance Plans

Click HERE to view an actual annual insurance policy with limits, coverages, amendments (amendments vary by state), terms and conditions. 

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 individual 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 a trip is to be insured with an annual travel insurance plan.  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  travel insurance 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).  For instance, you test positive for COVID while on a trip, you are ordered to stay in quarantine beyond your scheduled return date, your additional expenses may be covered up to policy limits.
  • 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 a trip is cancelled or cut short because of fear of being becoming ill, 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 a claimed 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.
  • Once a travel insurance policy is purchased, the purchaser has 2 weeks to review the policy.  If no claims are made, the purchaser may request and get a refund for the policy.
  • If the traveler purchases a travel insurance policy for a specific start date and the trip date changes, upon request, the traveler may adjust the date of the policy.  For instance, if a trip is scheduled to start on August 1, 2022 and the trip is postponed to November 1, 2023, the policy can be changed to reflect those travel changes.
How to Get Your Policy

Annual travel insurance policy can only be applied for within 60 days of departure.

Watch this 3-minute video to see the online application process

You will need the following information:

  • Agent Code (for best pricing): F209931
  • Trip Cost (any amount $3,000 or more)
  • Name as it Appears on Passport
  • Date of Birth or Age
  • Date of Initial Deposit
  • Start Date of Trip
  • Address (Street Address, State, Zip)
  • Telephone
  • You will be asked to enter destination (enter "World/Space/Other") and Supplier (enter "Not Listed")
  • Credit Card Info
  • Email Address and Secondary Email Address

Click to Start the Process

Always read the travelel insurance policy carefully and understand limits, conditions, and coverages.