Annual Travel Protection Plans An annual protection plan can be a good value for those who make three or more trips away from home every year. Several major plan providers have developed policies specifically for these frequent travelers. Coverages usually include: Trip Delay Medical Expense Emergency Medical Transportation Baggage Loss or Damage Baggage Delay Rental Car Collision Coverage (some, not all) 24-hour Emergency Assistance Note: most annual plans either do not include cancellation/interruption coverages or have a minimal benefit of $1,000 or less. The most common question about these plans is why won't they cover trip cancellation penalties (or only offer minimal coverage). The reason is that because the policy covers an unlimited number of trips during the one year coverage period they would have no way of knowing beforehand what their loss exposure would be. Is the traveler taking three short get-aways costing a total of $1,500 or five luxury cruises costing $15,000? Without knowing that information before the purchase it would be impossible to establish what the premium should be. These companies have annual policies: Access America Access America offers two coverage levels for their annual plans. (click on a plan for a summary of the coverages) Deluxe Plan   $299 per person Basic Plan   $119 per person To purchase any of the Access America plans please click here. Travel Guard Travel Rite Annual Plans Three levels of coverage (click on each plan for a summary of the coverages) Travel Rite Platinum   $249 per person Travel Rite Gold   $149 per person Travel Rite Silver   $59 With the Gold and Platinum you also get the choice of purchasing up to $1,000 of trip cancellation on a pre trip basis. For more information or to purchase any of the Travel Guard Annual Plans please click here.

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