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To help make certain unforeseen issues easier for you and your traveling companions, Allianz Travel Insurance includes benefits that can offer cash reimbursement for covered situations, emergency care support, 24/7 expert assistance, and more.

Typical plan benefits include:

  • Trip cancellation
    Provides cash back for prepaid, non-refundable trip expenses if you must cancel your 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 for additional travel or lost prepaid expenses if your 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 your 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 you are eligible for a 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

If you receive your plan documents and situations you were expecting protections for are listed as exclusions, you have 15 days (or more, depending on their state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Premiums are non-refundable after this period.

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