Did you compare the prices? Can you even buy insurance for the whole year? I would think that would be hard for the agency to gauge without knowing the prices of the trips you are taking.

That said, I have never looked at Travel Insurance per se, but when I researched Health Insurance (SOS International) for Overseas travel it was roughly $70 per trip or $250 for the whole year. I take about 6 int'l trips a year so the annual insurance is a better buy.