One of my best finds was annual travel protection. It is a super affordable option and gives me such piece of mind. I highly recommend these plans - and I've summarized them below.

Designed for the traveler who doesn’t need trip cancellation benefits, but may want protection in case of a medical emergency - which is critical overseas.

Get year-long protection for one low rate, wherever you may roam. The AllTrips Basic plan includes benefits for baggage coverage, travel delays, covered emergency medical care, emergency medical transportation, and rental car damage and theft coverage (available to residents of most states). Virtually any kind of trip is covered: weekend getaways, cross-country road trips, business travel, etc. AllTrips Basic does not include trip cancellation/interruption coverage.

Affordable protection for a year’s worth of trips, including benefits for trip cancellation and trip interruption, lost/stolen or delayed baggage, and more.

If you take three or more trips per year, AllTrips Prime can be a great choice. This plan gives you affordable, reliable protection for a full 365 days of travel, including benefits for covered trip cancellation and interruption, covered emergency medical care and emergency transportation, lost/stolen or delayed baggage, and rental car damage and theft coverage (available to residents of most states). Trip cancellation/interruption benefits can reimburse your prepaid, non-refundable expenses — such as transportation costs, vacation rental costs, hotel deposits, even campground reservations — if you must cancel or cut your trip short due to a covered reason.

Frequent travelers rely on the AllTrips Premier Plan to smooth all the bumps in the road. AllTrips Premier can make travel less stressful for you and everyone in your household by providing benefits for covered emergency medical care and emergency transportation, lost/stolen or delayed baggage, and rental car damage and theft coverage (available to residents of most states). Trip cancellation and interruption benefits can reimburse your prepaid, non-refundable expenses — such as transportation costs, vacation rental costs, resort fees, even campground reservations — if you must cancel or cut your trip short due to a covered reason.

The AllTrips Executive Plan is designed to make business travel frustration-free by providing benefits for covered trip cancellation and interruption, covered emergency medical care and emergency transportation, lost/stolen or delayed baggage, and rental car damage and theft coverage (available to residents of most states). One special feature of the AllTrips Executive Plan is benefits for business equipment: If it’s lost/stolen, damaged or delayed by an airline or other carriers, insurance can reimburse reasonable costs for equipment rental, replacement and/or repair. The AllTrips Executive Plan covers personal travel/vacations too!

**Travel insurance is optional, and coverage varies by plan. I do not sell or underwrite insurance policies.