I get a year long policy from Allianz (AllTrips Prime plan) It is less expensive than one for just one trip. My cost for coverage for all my trips within 365 days is $280.
https://www.allianztravelinsurance.com/
PLAN BENEFITS
Trip Cancellation
$3,000
Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.
Pre-existing Medical Condition Limit: $3,000
Trip Interruption
$3,000
Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason.
Pre-existing Medical Condition Limit: $3,000
Emergency Medical
$20,000
Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. Depending on your plan, there is a $500 or $750 maximum for all covered dental expenses.
Dental Care maximum sublimit: $750
Emergency Transportation
$100,000
Emergency Medical Transportation arranges and pays for the cost to medically transport you to an appropriate medical facility to receive care and to get you home after you have received care.
Baggage Loss/Damage
$1,000
Covers loss, damage or theft of baggage and personal effects.
Maximum benefit for all high value items, per policy: $500
Baggage Delay
$200
Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.
Minimum Required Delay: 12 hr(s)
Travel Delay
$600
Reimburses you for additional expenses due to a covered delay of six hours or more. Some plans may also cover lost prepaid trip expenses due to covered travel delay, depending on the product and state. Please see your insuring agreement to verify whether your insurance plan includes this coverage.
Minimum Required Delay: 6 hr(s)
Daily Limit: $200
Maximum reimbursement per 24-hour period of delay: Included
Rental Car Damage and Theft Coverage
$45,000
Primary collision/loss damage coverage protects your rental car in case it's stolen or damaged in a covered accident or while it's left unattended.
Not available to residents of KS, TX, and NY
Travel Accident Coverage
$25,000
Provides cash payment for covered losses due to death, loss of limb(s) or sight as a result of a covered travel accident.
24-Hr Hotline Assistance
Included
With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.
Concierge
Included
Provides personalized information about your destination and assists you with obtaining restaurant reservations, tee times and tickets to events.
Epidemic Coverage Endorsement
Included
Adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. For more information, please see the Epidemic Coverage Endorsement page in your plan details.
https://www.allianztravelinsurance.com/
PLAN BENEFITS
Trip Cancellation
$3,000
Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.
Pre-existing Medical Condition Limit: $3,000
Trip Interruption
$3,000
Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason.
Pre-existing Medical Condition Limit: $3,000
Emergency Medical
$20,000
Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. Depending on your plan, there is a $500 or $750 maximum for all covered dental expenses.
Dental Care maximum sublimit: $750
Emergency Transportation
$100,000
Emergency Medical Transportation arranges and pays for the cost to medically transport you to an appropriate medical facility to receive care and to get you home after you have received care.
Baggage Loss/Damage
$1,000
Covers loss, damage or theft of baggage and personal effects.
Maximum benefit for all high value items, per policy: $500
Baggage Delay
$200
Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.
Minimum Required Delay: 12 hr(s)
Travel Delay
$600
Reimburses you for additional expenses due to a covered delay of six hours or more. Some plans may also cover lost prepaid trip expenses due to covered travel delay, depending on the product and state. Please see your insuring agreement to verify whether your insurance plan includes this coverage.
Minimum Required Delay: 6 hr(s)
Daily Limit: $200
Maximum reimbursement per 24-hour period of delay: Included
Rental Car Damage and Theft Coverage
$45,000
Primary collision/loss damage coverage protects your rental car in case it's stolen or damaged in a covered accident or while it's left unattended.
Not available to residents of KS, TX, and NY
Travel Accident Coverage
$25,000
Provides cash payment for covered losses due to death, loss of limb(s) or sight as a result of a covered travel accident.
24-Hr Hotline Assistance
Included
With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.
Concierge
Included
Provides personalized information about your destination and assists you with obtaining restaurant reservations, tee times and tickets to events.
Epidemic Coverage Endorsement
Included
Adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. For more information, please see the Epidemic Coverage Endorsement page in your plan details.
