We looked into the yearly policy but decided to pass.
I prefer a policy that serves as primary and not secondary. I also want a large medical and medical evacuation amount.
Because we are older the price of trip insurance has gotten pretty high, so we do not insure the cost of the trip itself because we feel we can absorb that if something happened and we could not travel. We are more concerned with the medical and medical evac.
Last two cruises using the above method we got $500,000 of medical and $1,000,000 of medical evacuation under a policy that serves as primary for a total of $127 for both of usâŚ.