Is An Annual Travel Insurance Policy Worth It?

Peter M. Zollman doesn’t stop traveling. In the last few months, he’s been to Berlin, Lisbon, New York, Las Vegas, and visited Utah’s famous national parks. But lately, he’s started to wonder if an annual travel insurance policy might be right for him. An annual (also called a multi-trip) policy covers all of your trips for an entire year.

“What’s the coverage like?” asks Zollman, a marketing consultant based in Orlando. “And what are the pitfalls of annual insurance?”

Actually, annual travel insurance is made for travelers like Zollman. But he’s right — there are some important limits.

“Annual plans are designed for travelers who

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