We buy an annual policy thru Allianz, have for several years. You don't have to log your trips but it is only good for the amount of your annual coverage. Some years we purchase 15,000 and some years 10,000, depending on trips and associated expenses. We have had to file a claim and they have always come thru. Last year it was a snow issue in Philly, they covered everything but second covid test. One year it was a knee surgery issue and Doc said no travel, we were booked on Bare N sail and 32 days later a check. Would highly recommend them for annual plan.