Annual Travel Insurance

Get year-round coverage for unlimited trips

What is annual travel insurance?

Annual travel insurance is for frequent travelers who want coverage for unlimited trips all year. With annual travel insurance, you don't need to buy separate policies every time you travel — and you get coverage for lost baggage, medical emergencies abroad, and other unexpected issues.^*

Benefits of yearly travel insurance:

Buy once, travel all year: Annual travel insurance lets you stay covered without buying a new policy for each trip. If you travel frequently, an annual plan with add-on cancellation benefits can be more affordable than separate single-trip policies.
Protection if your bags are lost or delayed: Annual plans may include baggage coverage to reimburse you for essential items.
Medical coverage during your trips: If you experience a serious medical issue while traveling abroad, a travel insurance annual plan generally includes coverage for medical treatment and emergency evacuation.
Optional extra protection for peace of mind: Annual travel insurance plans may let you add coverage for trip cancellations and interruptions up to $10,000 to protect prepaid, non-refundable trip costs.

How does annual travel insurance differ from single-trip travel insurance?

Annual travel insurance covers multiple trips during a 12-month timeframe, while a standard single-trip travel insurance policy covers one specific trip. Determine which plan meets your travel needs:

	Annual travel insurance	Single-trip travel insurance
Purpose	Annual travel insurance A year-long policy that covers multiple eligible trips during the term with one purchase	Single-trip travel insurance A comprehensive policy purchased to cover one specific trip with defined start and end dates
Who it's for	Annual travel insurance Frequent travelers (typically those taking 3+ trips per year) who want continuous coverage without purchasing a new plan for each trip	Single-trip travel insurance Travelers taking a one-time or occasional trip who want broad coverage
Included coverages	Annual travel insurance Travel medical Emergency medical evacuation Baggage loss Baggage delay	Single-trip travel insurance Travel medical Emergency medical evacuation Baggage loss Baggage delay Trip cancellation and interruption
Add-ons	Annual travel insurance Trip cancellation/interruption with benefits for trip delay Emergency accident and sickness Pet-friendly cancellation	Single-trip travel insurance Cancel for any reason (CFAR) coverage^**

What does annual travel insurance cover?

Annual travel insurance is designed for frequent travelers — vacationers who plan three or more trips per year, snowbirds visiting a secondary home, and business travelers. It may include these protections for every eligible trip you take in a year:

Travel medical coverage
Emergency medical evacuation
Lost or delayed baggage

Optional coverages

When you need it, you can choose to add optional trip cancellation/interruption coverage with trip delay benefits or a deluxe upgrade. These upgrades are available at the time you purchase your plan and can't be added later:

Trip cancellation/interruption: This coverage is offered at total annual limits of $2,500, $5,000, or $10,000 to help protect prepaid, non-refundable trip costs if you cut short or cancel a trip for a covered reason.
Deluxe upgrade: This coverage increases the limits for trip delay, medical expenses, and medical evacuation.

Annual travel insurance plans through InsureMyTrip even offer unique pet-friendly protection when you add the optional trip cancellation/interruption coverage. You'll be protected if your cat or dog has a serious health emergency before you leave or while you're traveling. The policy may reimburse you for non-refundable trip costs if you need to prioritize your pet over traveling.

Why choose Progressive?

One policy

Year-round coverage

One policy covers you for unlimited eligible trips. No need to buy insurance for each trip.
Customizable

Protection your way

Customize your plan with trip cancellation and interruption coverage, including benefits if your dog or cat gets critically ill.
Experienced

20+ years of experience

InsureMyTrip has over 20 years of experience helping travelers protect their trips with confidence.

Frequently asked questions about annual travel insurance

A travel insurance annual plan doesn't cover everything, but optional upgrades may help you add more protection. All coverage is subject to plan limits and terms.
- Trip cancellation and trip interruption coverages aren't automatically included. They're available as optional upgrades. Because trip cancellation/interruption is optional, you'll need to add it to be covered for prepaid, non-refundable trip costs. Coverage is capped at $10,000 per year.
- Individual trips longer than 45 consecutive days aren't covered. Coverage applies only to trips that meet the duration requirement.
- Trips less than 100 miles from your primary residence aren't covered.
- Trips that don't originate in the United States fall outside eligibility criteria.
- Coverage doesn't apply to trips taken outside the policy's 12-month period.
- Travel restrictions include Belrus, Iran, North Korea, Palestine, Russia, Syria, and Ukraine.
- Tuition and academic expenses aren't covered under annual travel insurance plans through InsureMyTrip. Those expenses may be insured under academic travel insurance plans through InsureMyTrip.