When I called for a quote for cancellation/interruption only (we already have more than enough medical), I was told that there is a cap on the amount per trip when you choose the annual plan (more than one trip per year), but you can always call to increase the insurance should you have a trip that is more (you'll have to pay for it though). Alternatively you can just purchase your cancellation/interruption per trip (based on the cost of that specific trip), rather than an annual plan, and they will cover the full amount of trip per person.