I learned the Allianz annual plan policy is not combinable with other travel insurance policies for the same trip. For example, the Allianz annual plan offers $50,000 emergency medical so it is not possible to combine this annual policy with another single trip medical travel plan that would provide additional emergency medical coverage. Also, the Allianz annual plan limit for trip cancellation and trip interruption is a maximum of $15,000 per policy (not per person) so if a trip costs more than