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Best Annual Travel Insurance: Multi-Trip Coverage

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  • Based on our research, the best annual travel insurance plans come from Trawick International & GeoBlue (skip ahead to view these plans).
  • Annual travel insurance and multi-trip travel insurance are two different terms for a travel insurance plan that covers you on multiple different trips over the course of a year.
  • Overall, annual travel insurance plans are typically cheaper than buying individual travel insurance polices for each trip. However, the coverage may be more limited.
  • It’s important to understand your coverage needs before opting for a multi-trip travel insurance plan, as the inclusions vary greatly by provider.
  • Annual travel insurance plans typically include medical-based coverage as a minimum, but may lack other coverage types like interruptions, cancellation, or baggage delay coverage.
  • We recommend using using a comparison tool to find the best annual travel insurance plan for your needs. A comparison tool can show you quotes from multiple providers at once allowing you to quickly compare coverage and prices

An annual travel insurance plan, or multi-trip insurance plan, is a type of travel insurance policy that provides coverage for every trip you take over a period of up to 365 days.

While single-trip insurance is a great option for seldom travelers, multi-trip travel insurance might make more sense if you travel regularly.

Annual travel insurance policies can be ideal for:

  • early retirees
  • long-term travelers
  • students abroad
  • business travelers
  • families who regularly bounce between countries and destinations

Annual travel insurance is not only convenient, but it can also be more cost-effective than buying a separate plan each time you travel. That said, not all travel insurance companies offer annual plans, and even then, some plans are different than others.

So, let’s get into it. You can find our top picks for the best annual travel insurance below.

Our picks for the best annual travel insurance plans of 2024

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Best for Basic Coverage on Trips Abroad

Full Policy Details

GeoBlue

4.64
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trekker Essential excl US
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $250,000
Why We Like It

Editor's take

The GeoBlue Trekker Essential excl US plan is a great basic plan for frequent travelers who are looking for medical-related coverage when heading out of the U.S. for up to 70 days per trip and is also the most affordable plan on our list. With this plan, you can take an unlimited amount of trips during a year and stay covered as long as each trip lasts under the 70-day maximum.

With a robust $500,000 emergency medical coverage limit and a $250,000 medical evacuation limit, this policy should easily cover you in almost all medical scenarios should the worst happen abroad. This policy can also cover pre-existing health conditions which is a major plus for older travelers or those with health issues.

Limitations to this plan are that it only covers trips outside of the U.S. and does not include cancellation, interruption, or travel delay coverage. Therefore, if you plan to travel domestically or are keen on being covered for things not just related to travel health, you may want to look at other plans on our list, like the ones from Trawick International.

PROS

  • Solid medical coverage limits
  • Coverage for an unlimited number of trips
  • Covers pre-existing medical conditions
  • 24-hour assistance provided
  • Money-back guarantee

CONS

  • No cancelation/interruption coverage
  • No coverage on trips within the U.S.
  • Secondary medical coverage

Best Value for the Money

Full Policy Details

Trawick International

4.14
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Safe Travels Annual Basic
Covers COVID
YES
Medical & Evacuation Limits Per Person
$10,000 / $50,000
Why We Like It

Editor's take

This plan offers great value as it’s the second most affordable plan on the list and offers many different types of coverage. Where the Geo Blue Trekker Essential excl US plan only covers you outside the U.S., the Safe Travels Annual Basic plan from Trawick International offers coverage to both domestic and international destinations. It also goes several steps further from medical-only coverage and offers basic coverage for:

  • Trip interruption
  • Trip cancellation
  • Travel delays
  • Baggage delays
  • Lost baggage and personal items
  • Accidental death and dismemberment

That said, it is important to note that the medical coverage limits on this plan are lower than most. You will only be covered for up to $10,000 in medical treatments and $50,000 for medical evacuation. You also won’t be covered for pre-existing conditions. That makes this coverage ideal as a supplementary plan to your U.S. healthcare and perfect for domestic travel or travel in and around North America and the Caribbean.

PROS

  • Great plan to have for basic coverage
  • Covers domestic & international travel
  • Diverse coverage and inclusions
  • Cancelation & interruption coverage

CONS

  • Lower medical coverage limits
  • Secondary medical coverage

Best Overall for Comprehensive Coverage

Full Policy Details

Trawick International

4.14
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Safe Travels Annual Deluxe
Covers COVID
YES
Medical & Evacuation Limits Per Person
$20,000 / $100,000
Why We Like It

Editor's take

The Safe Travels Annual Deluxe plan from Trawick International is aptly named as it represents the most deluxe and comprehensive annual travel insurance plan on our list. It’s important to note that its sister plan (the Trawick Safe Travels Annual Basic) is our choice for the best value plan thanks to the coverage it provides for the price. However, if you want to be fully covered on your trip, the Safe Travels Annual Deluxe plan is the one to go for. It offers everything that the Basic plan offers, just with higher coverage limits.

With this plan, you get international and domestic travel coverage for medical treatment and evacuation. While the medical limits are lower than other plans, they should be enough for the majority of situations domestically and abroad.

The Deluxe plan also offers coverage for any delayed trips, with an allowance of $500 per trip. The plan also includes hurricane and weather cover, up to the maximum benefit shown on the confirmation of coverage - ideal for those traveling to volatile weather destinations.

Travelers looking to cover any possibility of baggage delays or loss of items during their travels will be pleased to see that the Safe Travels Annual Deluxe plan provides both. Policyholders will be entitled to a daily cover of $200 for delays of baggage and a $150 per item cover on all lost items during travel.

With medical coverage for COVID-19 included in the Emergency Medical Coverage, the Safe Travels Annual Deluxe plan provides great peace of mind when traveling in the post-COVID world.

PROS

  • Covers domestic & international travel
  • Includes emergency medical evacuation coverage
  • Covers interruption and cancelation of the trip
  • Offers hurricane and weather coverage
  • Offers sports and activities coverage

CONS

  • Medical limits are low for international trips
  • Secondary medical coverage

Best for High Medical Coverage

Full Policy Details

GeoBlue

4.64
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trekker Choice excl US
Covers COVID
YES
Medical & Evacuation Limits Per Person
$1,000,000 / $500,000
Why We Like It

Editor's take

The GeoBlue Trekker Choice excl US plan is one of the best multi-trip plans for travelers needing high medical coverage limits for trips outside the U.S. With this plan, you will get up to a million dollars worth of emergency medical coverage and $500,000 of medical evacuation and repatriation coverage. These levels are some of the highest in the industry and can ensure you are covered in almost all medical scenarios. Added to this extensive list is a 24-hour accidental death and dismemberment coverage and sports coverage, ensuring you are fully prepared for any eventuality. This plan is a step up from the Trekker Essential excl US offering higher medical coverage and coverage for lost baggage and equipment. All of these coverage inclusions make this an ideal plan for adventure travel and travel to remote areas of the globe. As with the Trekker Essential excl US, this plan does not offer coverage for trips within the U.S., cancellation or interruption coverage, nor on trips lasting longer than 70 days.

PROS

  • High medical coverage limits
  • Accidental death & dismemberment coverage
  • Baggage and personal items loss coverage
  • Covers some sports & adventure activities

CONS

  • No coverage for trips within the U.S.
  • No cancelation or interruption coverage
  • Secondary medical coverage

Best 6-Month Travel Insurance

Full Policy Details

Faye Travel Insurance

4.5
GET A QUOTE via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000 / $500,000
Why We Like It

Editor's take

Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process.

Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.

Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.

Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.

Potential add-ons include:

  • Pet care
  • Rental car care
  • Cancel for any reason
  • Vacation rental damage
  • Adventure & extreme sports

If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.

PROS

  • Friendly agents
  • Easy-to-use mobile app
  • Fast reimbursements for eligible claims
  • Prompt replies to questions

CONS

  • Long wait times for reimbursement
  • Difficulty reaching Faye outside of email & virtual chat

Best For Annual Membership

Full Policy Details

MedjetAssist

4
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
MedJet Horizon
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$0 / Unlimited
Why We Like It

Editor's take

MedJet Assist is a membership plan that ensures individuals get the medical evacuation help they need when they need it. Paying for membership ensures travelers get help arranging medical transfers regardless of medical necessity, and it lets members determine which medical facility they want to be moved to. This plan works for medical evacuation within the United States and abroad, and it can be purchased for short-term travel or longer trips.

While the traditional MedJet Assist plan includes coverage for medical evacuation, the upgraded MedJetHorizon plan also adds in worldwide travel security, crisis response, and evacuation services powered by FocusPoint International. This add-on coverage can help pay for evacuation in the event of terrorism, natural disasters, and violent crime.

PROS

  • Available for short-term or long-term travel
  • Can cover pricey evacuation expenses when you need medical care
  • Covers both personal and business travel
  • Membership covers each trip you take during its term
  • Short-term memberships start at just $99

CONS

  • Does not include traditional travel insurance benefits
  • Does not cover transportation from the site of an accident (medical facility transfers only)
  • Covers up to two transport events per year

Best For Frequent Travelers

Full Policy Details

Seven Corners

4.37
GET A QUOTE via Seven Corners' secure website
Preferred Plan
Trip Protection Annual Multi-Trip
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $500,000
Why We Like It

Editor's take

Seven Corners’ Trip Protection Annual Multi-Trip plan allows you to travel as many times as you’d like throughout the year under one policy. With $250,000 worth of medical coverage ($50,000 for New Hampshire residents), you are protected should the worst happen during your trip.

Alongside this standard medical coverage, the Trip Protection Annual Multi-Trip plan covers emergency dental expenses up to $750 and coverage for COVID-19-related illnesses.

This plan enables you to choose from four levels of trip cancellation coverage: $2,500; $5,000; $7,500; and $10,000. Trip interruption coverage also provides up to 150% of the trip cancellation limit and up to $1,000 of missed connection coverage per year.

PROS

  • $250,000 for emergency medical expenses
  • Travel multiple times a year
  • 24/7 emergency travel assistance included
  • Provides primary coverage up to $500,000 for emergency evacuation
  • Customizable benefit levels

CONS

  • Coverage only applies to trips up to 40 days
  • Deductible up to $100 for emergency medical coverage

Best 12-Month Travel Insurance

Travelex Insurance Services

4.43
GET A QUOTE Via Travelex's secure website
Preferred Plan
Travel Select
Covers COVID
YES
Medical & Evacuation Limits Per Person
$50,000 / $500,000
Why We Like It

Editor's take

We like Travelex due to its robust coverage options and its underwriter’s excellent ratings for financial strength from AM Best.

Travelex is a highly-rated insurance provider offering trip insurance that is underwritten by Zurich Insurance Group and Berkshire Hathaway Specialty Insurance. These two companies have received A+ and A++ ratings from A M Best for their financial strength, which means they are some of the strongest providers out there.

Travelex offers three main travel insurance plans to choose from:

  1. Travel Basic plan
  2. Travel Select plan
  3. Travel America plan

The most robust coverage is the Travel Select plan, which comes standard with primary coverage and no deductibles, up to $50,000 in coverage for medical emergencies, protection for children under the age of 17 included, and a 15-day pre-existing condition exclusion waiver in addition to its core coverage options.

You can customize Travelex insurance plans with add-ons such as car rental collision coverage, AD&D common carrier coverage, additional medical expense protection, insurance for adventure sports, and cancel for any reason (CFAR) travel insurance.

PROS

  • Plans can be customized with upgrades
  • Children 17 and under included for free with some plans
  • Coverage for pre-existing medical conditions available
  • CFAR coverage is available as an add-on to a comprehensive travel insurance plan

CONS

  • Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
  • Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
  • The baggage delay benefit requires a 12-hour waiting period
Passport and Plane Ticket

Our methodology for choosing annual travel insurance providers

When choosing our top annual travel insurance providers, balancing the many factors that makeup insurance policies is important. By pinpointing criteria such as cost, coverage amounts, types of coverage, and customizability, we were able to highlight the best annual travel insurance plans of 2024. Here is a simple breakdown of the criteria used to select our top insurance plans:

It is important to note that annual travel insurance is a niche market and there are not tons of policies available. To add to that, annual travel insurance policies often offer limited coverage options. Therefore, we have looked for policies and providers that meet our requirements for the necessary minimum coverage. In this case, we focused on providers that offered emergency medical coverage and medical evacuation coverage as a minimum. ?

What is annual travel insurance?

Annual travel insurance, also known as multi-trip travel insurance, is a type of travel insurance policy that covers you for multiple trips throughout the year. It’s important to highlight the difference between multiple trips throughout the year, and taking a single trip that visits multiple destinations.

Under annual travel insurance policies, you are able to leave your home country, take a trip abroad, return home, and repeat the process several times throughout the year. Each of these single trips, regardless of the time in between, will be covered under an annual/multi-trip travel insurance policy.?

On the other hand, a single-trip insurance plan covers you for one single trip, regardless of whether this journey includes more than one country or destination (i.e. backpacking through Europe)

With a single-trip policy, your coverage begins once you leave home and ends as soon as you return whereas with an annual/multi-trip policy, your coverage starts and stops each time you travel.

Some annual travel insurance plans are medical plans only, meaning they provide coverage for medical care that is required during travel but not much else.

That said, some annual travel insurance plans, including some mentioned above, offer comprehensive coverage with benefits for trip cancellation and interruption, travel delays, lost and delayed baggage, and more. However, it requires a cancellation reason covered by the policy. Cancel for any reason (CFAR) coverage can be added to most plans.

Choosing between either annual travel medical insurance or a more comprehensive option will depend on your needs and how much you are willing to spend.

Pros of Annual Travel Insurance
  • Cheaper than buying multiple single-trip plans
  • The convenience of buying one plan vs. many separate ones
  • Ideal option for frequent travelers
Cons of Annual Travel Insurance
  • Limited coverage options vs. single-trip plans
  • Fewer plans to choose from
  • Unlikely to uniquely tailored to each individual trip

What does annual travel insurance cover?

All annual multi-trip travel insurance plans include coverage for medical expenses, including protection for any medical emergency that occurs.

However, coverage limits vary by plan, and some travel insurance plans offer considerably higher limits than others (even up to $1 million).

?Other common benefits of annual travel insurance plans include:

It’s important to note that some traditional travel insurance benefits are often not included in annual plans. This all depends on the travel insurance provider you’re considering and the multi-trip plans they have on offer. This being said, it is not a given that the following insurance benefits will be absent from any annual travel insurance policy.

Here are some traditional travel insurance benefits you may get with an annual travel insurance policy:

How much does annual travel insurance cost?

To give you an idea of the cost of a travel insurance plan with annual coverage, we applied for quotes from all the top travel insurance companies included in this guide.

The quotes we received were for a multi-trip plan lasting for up to one year and aimed to cover two 45-year-old citizens of the United States.

While included benefits and coverage limits vary among these plans, the chart below shows the average premium cost for each provider meeting these criteria.

Travel Insurance Companies Annual or Multi-Trip Plan Cost
HTH Travel Insurance Multi-Trip Plan $295
Atlas MultiTrip plan from WorldTrips $282 to $345 per trip of 30 to 45 days
Seven Corners Wander Frequent Traveler Plus $600.31
GeoBlue Xplorer Premier plan $964
Safe Travels Annual Executive plan $1,350

While these price examples can offer insight into ballpark figures for what an annual plan could potentially cost, it’s important to note that the cost of travel insurance varies based on many factors, such as your age, destination of choice, state of residence, and more.

Therefore, we recommend getting a quick personalized quote using a comparison tool. This can allow you to see several plans and prices all at once that are valid for your personal trip parameters.

Passport and Plane Ticket

Is it cheaper to buy annual travel insurance vs. single-trip insurance?

An annual policy intends to cover multiple trips over a period that may last up to one year. Therefore, the cost is higher. However, it’s important to consider all of the destinations you plan to visit before purchasing travel insurance for a year.

If you plan on staying in the same destination for the duration of your trip, such as a vacation to Bali, or are taking a cruise once a year, then buying affordable travel insurance for a single trip, monthly travel insurance, or a cruise insurance plan will likely be less expensive than buying an annual plan. Apart from that, single-trip travel insurance plans tend to have more types of coverage included overall. It is important to mention that many multi-trip insurances oftentimes exclude seniors and people 60+ years old. In that case, it is highly recommended to compare single-trip plans or senior insurance offers.

However, if you plan on visiting multiple destinations or countries throughout the year, an annual plan with travel insurance for one year may make more sense. If you have a list of your destinations, try searching what several single plans would cost compared to an annual multi-country travel insurance plan.

For international trips where you may need travel insurance for multiple countries, single plans will be more expensive than if you were to buy single plans for US destinations.

If you are a spontaneous traveler and want the freedom to know you will be covered regardless of where you decide to travel, opting for a multi-trip insurance plan can save you time and money.

Annual travel insurance vs single-trip insurance

As mentioned before, annual travel insurance is right for people who travel frequently, such as digital nomads, business people, retirees, students abroad, etc.

Here are some examples of people who may and may not benefit from annual trip insurance:

An annual travel insurance policy may be right for you if you meet the following criteria:

  • You take at least four or five separate trips that keep you on the road (or in the air) almost year-round
  • You travel often and frequently at the last minute and you want a travel insurance policy that is always in force
  • You want to limit your out-of-pocket expenses by purchasing a single travel plan once per year
  • You have a pre-existing condition and you want to ensure you have medical coverage when you travel abroad
  • You want?coverage for COVID-19?when you travel abroad

You may want to opt for a sing-trip plan if you meet the following criteria:

  • You only take a few trips each year
  • You only plan to travel within the US
  • You travel within the U.S. and you have a health insurance plan that applies nationwide
  • You prefer to customize each travel policy you buy with select add-ons

Our top picks for single-trip plans

Seven Corners Logo

Seven Corners Trip Protection Choice

  • Overall trip cost
  • Travel delays & stipends
  • Baggage & equipment loss/damage
  • Emergency medical expenses
GET A QUOTE
Tin Leg Logo

Tin Leg Gold

  • Accidental death & dismemberment
  • Medical coverage for COVID-19 sickness
  • Pre-existing conditions (when meeting waiver criteria)
  • Sports & adventure (exclusions apply)
GET A QUOTE
Trawick International Logo

Trawick International Safe Travels Voyager

  • Hurricane & Weather
  • Financial Default
  • Baggage and personal items loss up to $2,500
  • Baggage delay coverage up to $600 per person
GET A QUOTE

Is annual travel insurance worth it?

Investing in an annual travel insurance plan can be well worth it if you travel often and want to ensure you have coverage each time you do.

Having an annual plan in place means you don’t have to get a new travel insurance quote for each trip you take. Instead, you can pay an upfront premium once and get coverage that lasts for multiple trips.

That said, it’s worth noting that some year long travel insurance plans are limited to medical-only coverage. Therefore, we recommend looking for annual plans with comprehensive coverage if you want protection against travel delays, trip cancellation and interruption, lost or delayed baggage, and other risks.

We suggest researching the travel insurance companies in our guide and comparing their plans side-by-side. From this annual travel insurance comparison, you can get a few quotes for the types of trips you want to take. Don’t settle on a travel insurance policy until you find one with the included coverages and benefits you need.

Ultimately, whether or not to purchase a multi-trip travel insurance plan will depend on your specific travel habits and how much you want to spend.

Jon Morgan's experience buying annual travel insurance:

“I find myself traveling quite frequently for business meetings, conferences, and networking events. Having an annual plan seemed like the most practical choice because it provides continuous coverage for all my trips throughout the year.

It just saves me from the hassle of purchasing separate insurance every time I travel, which, trust me, can get quite overwhelming with my schedule.

I would definitely buy an annual plan again. It just simplifies my life and ensures I’m protected every time I step out for a business trip.

The thought that I won’t be financially burdened if something goes wrong is a huge relief. Having the peace of mindknowing that I’m covered in case of trip cancellations, medical emergencies, or unexpected events during my travels is priceless.” –?Jon Morgan

I think annual travel insurance policies are absolutely worth it, especially for frequent travelers like me. The flexibility and comprehensive coverage they offer make them a smart choice. – Jon Morgan
SEE OUR PLANS
GeoBlue
GeoBlue Trekker Essential excl US
Trawick International
Trawick International Safe Travels Annual Basic
Compare plans from providers side by side
Type of medical coverage
Secondary
Secondary
Emergency Medical
$500,000
$10,000
Medical Evacuation & Repatriation
$250,000
$50,000
Covers COVID
YES
YES
Pre-Existing Conditions
YES
NO
Extension Of Coverage
NO
YES
Non-Medical Evacuation
NO
NO
Trip Cancellation
NO
$2,500
Trip Interruption
NO
$2,500
Travel Delays
NO
12+ hours
Missed Connection
NO
NO
Baggage Loss
NO
YES
Baggage Delay
NO
12+ hours
24 Hour AD&D
NO
$10,000
Flight Only AD&D
NO
NO
Common Carrier AD&D
NO
NO
Sports & Activities
Some Sports
Some Sports
Sports Equipment Loss
NO
YES
Sports Equipment Delay
NO
YES
Sports Fees
NO
YES
Rental Car Damage
NO
NO
Money Back Guarantee
NO
YES
24 Hour Assistance Service
NO
YES
Cancel For Any Reason
NO
NO
AMBest Rating
Better Business Bureau Rating

Multi-Trip Insurance FAQ

When should I purchase annual travel insurance?

You can purchase travel insurance any time of the year as it typically lasts 364 days after the date of purchase. However, many people start a new travel insurance annual plan at the beginning of the calendar year so as never to be left without one by forgetting when to renew.

Do I need to know how many trips I will take before I buy annual travel insurance?

You typically aren’t required to give all your destinations when signing up for an annual travel insurance plan. However, regarding price, single travel insurance plans can be cheaper and more comprehensive. Therefore, we recommend annual travel insurance if you take at least four or five separate trips each year. Ultimately, these yearly travel insurance plans are geared toward jetsetters, expats, and business travelers.

What is the difference between annual travel insurance and multi-trip travel insurance?

Annual travel insurance and multi-trip travel insurance are essentially the same thing. Annual travel insurance typically lasts for up to 364 days, whereas some multiple-trip plans last for a shorter duration. Make sure to compare travel insurance plans that make sense for how long and how often you plan to travel.

What companies offer annual travel insurance?

Top providers that offer annual travel insurance plans include Allianz, GeoBlue, HTH Travel Insurance, IMG, Seven Corners, and WorldTrips.

Do you have to pay all at once?

Annual trip insurance plans require you to pay a single premium all at once. However, this means you shouldn’t have to pay any more travel insurance premiums for up to one year.

About the Author

Holly D. Johnson
Holly D. Johnson Finance Expert

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.