Actually, it's $15,000 per policy (not per person) annually, for trip cancellation/Interruption. It's usually enough for one trip for us but we supplement it with the $10,000 per person per trip offered by our credit card. We assume that if we have to cancel one trip and have to make a claim, we can cancel future trips with no or minimal penalty or add new trip insurance policies for future trips. We also put the cc insurance in line for first claim, should we need it, minimizing the impact on our annual Allianz policy. Of course, medical coverage by Allianz is per person per trip, so that would be our go to for medical/evacuation coverage.