Annual travel insurance plans provide significant advantages over "per-trip" policies:

• Coverage for an entire year, regardless of number of trips taken.  Each trip must be 45 days or less in length.
• Annual travel insurance can be purchased, and the traveler can receive coverage, even if the policy was not purchased within 14 days of originally booking a trip.
• Flexibile plans with flexible coverage amounts.
• Economical.
• Increased Coverage.
• No need to notify insurance company of travel plans within the coverage period.
• Pre-Existing conditions covered if trip was purchased within 14 days of initial deposit and within covered period.
• 14 day policy review period.  Cancel any purchased policy within review period for a full refund if not satisfied. 
• Carefully read any travel insurance policy you may purchase to understand all the terms, conditions, and exclusions that apply to your coverage.

Annual travel insurance plans provide 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.  All plans above provide health, accident and emergency transportation coverage, something every traveler should have.  As far as trip cancellation/interruption/delay and baggage coverage, the Annual Prime Plan 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. 

Travel insurance with COVID and future epidemic 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 or other epidemic.
• Trip Interruption, if for example during your trip you are specifically named and individually ordered to quarantine (not including generally or broadly applicable quarantines). 
• Travel Delay, if for example you are denied boarding based on a suspicion that you are ill with an epidemic disease.
• 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.
• Epidemic coverage endorsement may not be available in certain states.  This is subject to change. 
• 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, 2026 and the trip is postponed to November 1, 2026, the policy can be changed to reflect those travel changes.

When applying for an annual insurance policy, you will be asked the effective starting date of the policy.  For Executive and Prime Plans, even though your trip might not start at a later date, we suggest putting down 14 days within the date the policy is purchased.  That way, if you become unable to take a trip for a covered reason before the trip begins, you may be covered. 

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

You will need the following information:

• Agent Code (for best pricing): F209931
• Amount of Coverage Needed (Executive or Prime Plans)
• 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
• Credit Card Info
• Email Address and Secondary Email Address

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

Anne from Fairfax Virginia has a trip planned for September.  She purchases the Annual Executive Plan with a start date of April 1.  On May 15 she needs to cancel her trip for a covered reason.  She is reimbursed up to her coverage limits.

Jeanne is from North Carolina.  She has an Annual Prime Plan.  On her way to the airport, she learns her flight has been cancelled due to weather and will not depart until the next morning.  She immediately books lodging at the airport.  She files a claim and Her expenses for lodging and meals are covered up to her policy limits.

LuAnne is from Arizona.  She has an Annual Executive Plan and is covered from June 1 to May 30.  On July 10 she falls ill on a trip requiring medical attention at the cost of $6,000.  She files a claim and is reimbursed.  On October 15 she is on another trip and falls ill and needs medical attention.  She files a claim and is reimbursed up to her policy limits.

Pat is from Idaho has an Annual Executive Plan in effect since July 1 and has a trip planned for August 15.  On August 13, her father passes away and Pat needs to cancel her trip.  Pat may file a claim up to the amount of her plan coverages. In fact, Pat would have been covered if a qualifying family member had died or become ill, injured or developed a medical condition considered life threatening by a doctor or require hospitalization. 

Bill is from Pennsylvania.  He has an Annual Prime plan with coverage from September 1 to August 31.   On November 1 he changes his airline ticket for a covered reason.  The airline charges him a $450 change fee.  He files a claim and is fully reimbursed.

Suzie is from Florida.  She has an Annual Basic Plan.  During her coverage period, the airline loses her luggage.  She files a claim for the value of the luggage, $1250.  She is reimbursed $1000, the limit of her policy.

John is from New York.  He has an Executive Plan in effect starting three months prior, on April 1.  He has a pre-existing medical condition.  He purchases a trip with the first payment being May 1.  On October 1 he must cancel the trip due to the pre-existing medical condition.  He is eligible to file a claim for reimbursement. 

Ellen is from California.  She has a pre-existing medical condition.  On April 1 she makes a payment for a trip in October.  On April 10 (within 14 days of paying her first deposit) she purchases an Executive Annual Plan.   On September 15 she must cancel the trip due to the pre-existing medical condition.  Ellen is eligible to file a claim for reimbursement.