The Travel Insured Annual Plan: What It Covers (and What You Still Need to Add)

Last month I had the worst travel day I’ve had in 30 years. A diverted flight, an overnight in the Chicago airport, and a runway sinkhole that turned my trip home into a scramble for a rental car. My Travel Insured annual plan covered the unexpected rental expense, and I never had to think twice about whether I was protected.

Read the full story: Was Travel Insurance Worth It on My Worst Trip?

That’s the point of an annual plan. You buy it once, and it’s already in place before you know you need it. But here’s what I want every client to understand before they buy one: the annual plan is not a single button that covers everything on every trip. It has a strong set of built-in benefits, and it has a gap that catches people off guard if nobody explains it up front. This post walks through both.

What the Annual Multi-Trip Protector Plan Actually Is

The Travel Insured Annual Multi-Trip Protector Plan is a single policy that covers unlimited trips over 12 months, with each individual trip covered for up to 45 days. Instead of buying a new policy every time you book a trip, you pay once and a set of benefits applies automatically to every qualifying trip you take that year.

It costs $94 for an adult and $64 for a child 17 or younger, for the full year. Coverage begins at 12:01am the day after you purchase it, so it is not something to buy the morning you leave for the airport. A few states (Missouri, Montana, New York, and Washington) aren’t eligible for this plan, and each trip has to start at least 100 miles from home.

For anyone who takes more than one or two trips a year, the math tends to work in your favor fast. One policy, one price, and you are not re-buying coverage every time you book.

What’s Automatically Included on Every Trip

These benefits apply to every trip you take under the plan, with no extra purchase required:

• Trip Delay: $200 per day, up to $5,000 per trip
• Missed Connection: $500 per trip
• Medical Evacuation and Repatriation: $100,000 per trip
• Political, Security, or Natural Disaster Evacuation: $150,000 per trip
• Baggage and Personal Effects: $2,500 per trip
• Baggage Delay: $750 per trip
• Accident and Sickness Medical Expense: $100,000 per trip
• 24-Hour Accidental Death and Dismemberment, plus additional Air Flight AD&D coverage

That’s real protection for the things that go wrong most often: a delayed flight, a missed connection, a medical emergency far from home, or a bag that doesn’t show up. It’s also primary coverage, meaning it pays out without you having to go through another insurer first, except for the medical expense benefit, which is secondary in most states.

The Part Most People Miss: Trip Cancellation Isn’t Automatic

Here’s the piece I want to be very direct about, because it’s the one that trips people up. Trip Cancellation and Trip Interruption, the benefits that reimburse you if you have to cancel or cut a trip short, are not part of the annual plan’s base coverage. They are optional add-ons that have to be purchased separately for each individual trip.

In other words, the $94 annual plan protects you automatically once you’re traveling. It does not automatically protect the money you’ve already put down on a trip if something comes up before you leave, unless you’ve added that coverage for that specific trip.

This is the habit I ask every client with an annual plan to build: every time you book a trip, whether it’s through me or on your own, register it under your annual plan and add Trip Cancellation coverage for that trip. It takes a few minutes, and it’s the difference between being fully covered and finding out the hard way that you weren’t.

Other optional add-ons work the same way, purchased per trip as needed:

• Cancel for Any Reason (reimburses 75% of trip cost for cancellations outside the standard list of covered reasons)
• Interrupt for Any Reason (same 75% reimbursement if you have to cut a trip short)
• Rental Car Damage and Theft Coverage
• Additional Medical Evacuation coverage
• An optional cruise-specific bundle

Add-on pricing is quoted at the time you register each trip, since it depends on the trip cost and dates. If you’re not sure which ones make sense for a specific trip, that’s exactly the kind of five-minute question I’m happy to answer.

Is the Travel Insured Annual Plan Worth It?

For anyone taking two or more trips a year, yes, and it isn’t close. Buying single-trip coverage every time you travel adds up fast, and you’re re-entering your information and re-deciding your coverage every single time. The annual plan puts your baseline protection in place once and lets you focus on the parts of trip planning that are actually fun.

The one thing I don’t want anyone to walk away thinking is that the annual plan is set it and forget it. Build the habit of adding Trip Cancellation, or Cancel for Any Reason if you want the extra flexibility, every time you book, and you’ve got the fullest version of what this plan is designed to do.

Ready to Add the Annual Plan to Your Travel Routine?

Buy the Travel Insured Annual Multi-Trip Protector Plan here

Quick disclosure: Latitude 21 Travel is a Travel Insured International agency partner. If you purchase a policy through the link above, we may earn a commission at no additional cost to you. It does not change your price or your coverage.

If you’d rather talk it through first, especially if you’re not sure whether the annual plan or a single-trip plan fits your travel pattern better, book a free discovery call and we’ll figure it out together.

Frequently Asked Questions