Annual Travel Insurance Plans for US residents

by Steve Dasseos, The Trip Insurance Guru on January 20, 2008 · 0 comments

in Ask Steve Dasseos Q&A, Helpful Travel Tips, How Travel Insurance Works, Pre-existing Conditions

I’m looking for an Annual Travel Insurance Plan. Where do I start? Marilyn

As far as I know, the only Annual travel insurance plans you can buy if you are a US resident are either Flight Life Insurance (die in a plane crash) or Medical Insurance.

Neither of these choices includes trip cancellation, interruption or other common coverages.

Why is that?

Though I can’t speak for the insurance companies, here’s what I think is the reason why:

I don’t think they have come up with a way to anticipate their claims experience for trip cancellation & interruption.

It’s easier with the Annual Flight Life Insurance because as I tell people, “it only takes one event to make the policy pay”.

Also, as I mentioned, you can get annual medical / health travel insurance plans. However, these plans won’t cover any pre-existing conditions. And in most cases the Lookback Period is more restrictive.

You can see our Annual Travel Insurance Plans here

I hope this help you.


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