Should I buy a single-trip plan or an annual travel policy?

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This will depend on a number of factors, such as the number of trips you might take each year, your health situation today and your current age. For example, someone over the age 60, and with a number of health issues that could change at any time, might do well to purchase a single-trip travel plan. Most annual travel plans have a pre-existing health condition clause after you purchase the policy.