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Another annual policy question

FlatFooted Freda
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FlatFooted Freda "Live from...." Rare

FlatFooted Freda

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Is there a formula to help determine if an annual policy is "worth it". Is it the number of cruises per year- or other travels? 

Includes the flight as well?

Would it cover vacation rentals?

Does an annual policy include every person on your trip, or do they have to be purchased "per" individual?

 

Thanks so much!

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