Did not purchase this year but, some companies have an annual plan that we have used in the past which covers med & evac on multiple trips.
My feelings are that I am not so interested in some of the plans that protect my investment in air/hotel, I would not buy them because over a few year period my savings from not buying the insurance have covered the cost of a lost trip, even more so because we do not do AI and our air/hotel is an incremental portion of our trip and yes I have played with their calculators and my experience has been they start with a base cost for a trip and the insurance premium increases in small amounts as your trip price goes up. Their structure seems set up for AI & cruisers.
But some suppliers do let you cafeteria plan the specific coverages you desire - to me that is medical & evac. This allows me peace of mind for my specific needs at a more affordable rate.
