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Annual travel insurance

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Has anyone purchased annual travel insurance?  We have several trips booked next year and I'm wondering if an annual policy is a good idea to cover all of them. 

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There are annual trip cancellation plans and annual medical plans. The annual trip cancellation plans tend to have lower medical coverage so travelers often combine them with an annual medical plan. The annual medical plans only cover trips outside the USA.


The trip cancellation coverage in an annual plan is the total for the 12 months, so any claims you have subtract from the remaining coverage.


I hope this makes sense.



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I've had annual  medical  plans for years.   I self insure my trip costs   these costs are insignificant to me.  

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