How it works
An annual plan covers every trip within 12 months, usually with a maximum length per trip (often 30, 45 or 90 days).
Who it suits
Frequent leisure travelers, business travelers and anyone who takes several short trips. It also means you're covered automatically, even on last-minute trips.
Watch for
Cancellation limits are often a fixed amount for the whole year or per trip, which may be too low for one expensive vacation. Check the per-trip day limit too.
Alternative
Long-stay travelers and digital nomads may prefer subscription-style plans that renew monthly.
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Estimate your price, then compare plans side by side.
General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.
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