Nothing like a vacation to get your mind off work, relax and enjoy your family, friend and this world we live in. You’ve worked hard for it, you saved and planned and now its time to go. With anything in life, things don’t always go to plan. Many times we are hit with unexpected hiccups and there is nothing worse than having one of those happen when you’re not at home. That’s why we have travel insurance. Our writer Allianz offers top rated, quality and affordable insurance for your travel needs. Travel insurance should be a top priority if you go on vacation. Below are some things travel insurance does to protect you from those unforeseen occurrences.
What We Cover
- Trip cancellation
Provides cash back for prepaid, non-refundable trip expenses if you must cancel their trip due to a covered reason. - Trip interruption
Reimburses the unused, non-refundable portion of your trip expenses and additional transportation costs required to continue your trip or return home if your trip is interrupted for a covered reason. - Travel delay
Compensates you for additional travel or lost prepaid expenses if yout trip is delayed for a certain number of hours due to a covered reason. - Baggage delay
Reimburses the reasonable additional purchase of essential items during your trip if their baggage is delayed or misdirected by a travel supplier for the number of hours specified in their plan documents—with receipts for the emergency purchases. With some plans, you can also opt to receive a reduced, fixed payment with no receipts required—just proof of the covered baggage delay. - Baggage loss/damage
Provides benefits for the loss, damage, or theft of baggage and personal items throughout your trip. - Emergency medical and dental
This primary benefit provides reimbursement for expenses incurred during your trip due to covered medical and dental emergencies. - Emergency medical transportation
Provides benefits for the cost of medically necessary transportation to the nearest appropriate facility and costs for your transportation back home following a covered illness or injury. - 24-hour assistance by phone
A multilingual team of problem-solvers is always available to help with your medical and travel-related emergencies, and customers can easily reach them—plus other helpful safety features—on the go through the Allyz® TravelSmart app - Concierge
A team of multi-lingual experts can help you select a restaurant and reserve the best table, locate hard-to-find event tickets, and more.
Common Exclusions
Every plan purchased includes a list of covered reasons for which benefits can apply. As a general rule, these only include unforeseeable situations. Plan documents also provide a list of exclusions. Some common exclusions are:
- Pre-existing medical conditions (unless eligible for waiver of this exclusion)
- Inclement weather events that were already predicted and named when the plan was purchased
- Participation in high-risk sports or activities listed in plan documents
- War (declared or undeclared) or acts of war
- Alcohol or drug abuse
- Other exclusions, which vary between plans
Free Look Period
Once you receive your plan documents and situations you were expecting protections for are listed as exclusions, you have 15 days (or more, depending on your state of residence) to request a refund, provided they haven’t started their trip or initiated a claim. Premiums are non-refundable after this period.
The Israel-Hamas Armed Conflict became a known event as of October 7, 2023. Until further notice, we are not accepting sales of policies covering known travel to Israel. Policies that become effective after October 7, 2023 will not provide coverage or accommodations for losses directly or indirectly resulting from this event. Read our Coverage Alert for more details about policy coverage, accommodations, and exclusions related to this event.
If you are ready to get a quote on insurance for an upcoming trip and/or purchase or just have questions you can call us at (800) 587-6136. You may also fill out the form below and we will return with a quote.
