A Traveler's Dilemma: Yearly vs. Per-Trip Coverage Explored
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Based on my experience with yearly coverage, how do you decide when it’s actually worth it compared to per-trip coverage? I’m mainly concerned about lower medical limits, the paperwork involved, and whether I’d risk exhausting my benefits too early in the year. How do you weigh those trade-offs?
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Honestly, if you’re traveling a lot — like three or more trips a year — annual insurance is a huge money saver. I’d just keep an eye on the medical limits and how easy it is to actually file a claim.
For just one or two big trips, consider per-trip coverage for better protection and less commitment than a yearly plan.
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