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AnyTime® Insurance

AnyTime® Insurance

One full trip around the sun

AnyTime® plans are unique. They’re issued for a period of one year and during the year you’re covered for as many international trips as you want to take. Keep in mind the duration of coverage for any one trip will either be 30 days or 45 days, depending on your selection when you purchased AnyTime. There’s no need to let us know when you’re traveling: just go.

30 or 45—your choice


When you buy an AnyTime plan you choose either our AnyTime30 or AnyTime45. The number in the plan name refers to the maximum length of coverage for any trip you take throughout the year. If your trips are typically less than 30 days , it makes the most sense for you to buy our AnyTime30; if your trips are usually closer to 45 days in length, then AnyTime45 is the plan for you. It’s important to know: if you have the AnyTime30 plan and your trip goes longer than 30 days, you will only be covered during the first 30 days of your trip. The same goes for the first 45 days of your trip on our AnyTime45 plan. So if you find that your trip is longer than your AnyTime coverage, just contact the PCYou team and we’ll fix you up with a plan for the excess days.

Popular AnyTime® Plans

AnyTime Insurance – cover your adventures for an entire year

To secure coverage for a year of international travel using one of our two popular AnyTime plans, click Get a Quote.

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Medical Benefits are included in every AnyTime® Insurance plan, for treatment of unforeseen illnesses and injuries that occur during your travels outside of your home country.

(included in every AnyTime® Insurance plan)
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Transportation Benefits include coverage for emergency medical evacuation, local and interfacility ambulance, trip interruption, repatriation of remains services and more.

(included in every AnyTime® Insurance plan)
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Lump Sum Benefits include Accidental Death and DismembermentCommon Carrier and Hospital Indemnity coverage.

(included in every AnyTime® Insurance plan)
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Other benefits include Emergency DentalLost Checked LuggageNatural Disaster Accommodation ReplacementPolitical Evacuation and Repatriation, and more.

(included in every AnyTime® Insurance plan)
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Adventure Sports option provides Medical and Transportation benefits while participating in Adventure Sports named in the Certificate.

(optional coverage: can be added to your plan for as little as $0.14 per day*)
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Personal Equipment option provides coverage for listed covered Sports Equipment, Photography Equipment, Electronics and Communications Equipment and more.

(optional coverage: can be added to your plan for as little as $0.22 per day*)

TripTime® Coverage Info

1. AnyTime coverage applies to all trips that begin on or after 12:01 am EST on your Certificate Effective Date.

2. Any Time coverage with respect to any one trip begins the moment you depart from your Home Country.

If you meet the following requirements, you are eligible:

1. You must be at least 14 days old and not yet age 70; your Spouse must be at least 18 years old and not yet age 65; your Dependent Child(ren) must be at least 14 days old and not yet 18

2. You must complete, sign and submit an application (or be listed thereon by proxy)

3. You must pay the required premium on or before the Certificate Effective Date

4. You must receive written acceptance of your application

5. You must not have established a permanent residency in the Host Country

6. You must currently have a domestic health insurance policy (individual or group) and maintain this domestic coverage the entire time AnyTime is in effect.

Service the PCU Way


AnyTime® travel insurance is offered by Point Comfort Underwriters®(PCU), a health services organization headquartered in the international insurance center of Indianapolis, Indiana. PCU is proud to provide state-of-the-art services to all AnyTime travelers. Our dedicated staff brings over a century of combined experience to the table and stands ready to serve you 24/7/365.

We also understand that many prefer the convenience of self-service. So we empower all AnyTime customers with a personal travel insurance portal, PCYOU, a secure client access site where you can take care of most routine needs.

We hope your time abroad is safe, happy and inspiring, but we understand bad things can happen to anyone, anywhere in the world. Talented, compassionate people using advanced digital technology to deliver the best possible outcomes you, wherever in the world your travels take you—that’s service the PCU way!

AnyTime you want to speak out

Check out what they're saying on the Point Comfort and AnyTime social channels