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Annual Travel Insurance

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I travel with my parents a lot and both are in good health.  We travel in the US and internationally multiple times a year (well we did before corona) - cruise and land based.


We are looking at an annual travel insurance policy.  In the past, we have paid for the policy through the cruise line and have never had to file a claim, thank goodness.


I have compared Allianz, Travel Guard and a few other companies.  Does anyone have any experience with the annual plans, good or bad?



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We’ve had the Roamright multi-trip policy for a couple of years running now. Earlier this year, prior to the pandemic, we had two different cancellation claims due to a family member illness. The claims were paid promptly after submission of the paperwork.  There is a maximum of $20k in cancellation insurance per person, per year, I believe. Check their website for details. 



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