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The Annual Premier Plans can provide you and your household family members with an entire year of worldwide travel protection and 24/7 assistance by phone-whether you’re traveling separately or together. In addition to up to $15K worth of trip cancellation coverage, other benefits include emergency medical and dental, trip delay, lost or stolen baggage, and more. Benefits are available only for trips up to 90 days. Under certain conditions, covered reasons for some benefits of this plan include epidemic or pandemic-related illness, individually-ordered quarantine, and denied boarding.

Frequent travelers rely on the AllTrips Premier Plan to smooth all the bumps in the road. AllTrips Premier can make travel less stressful for you and everyone in your household by providing benefits for covered emergency medical care and emergency transportation, lost/stolen or delayed baggage, and rental car damage and theft coverage (available to residents of most states). Trip cancellation and interruption benefits can reimburse your prepaid, non-refundable expenses — such as transportation costs, vacation rental costs, resort fees, even campground reservations — if you must cancel or cut your trip short due to a covered reason.

All benefits are per insured, per trip unless otherwise noted. Trip Cancellation and Trip Interruption are per travel insurance plan. Trips longer than 90 days are excluded from coverage.

Benefits/Coverage

Benefits/Coverage may vary by state, and sublimits may apply. Please see your plan for full details.

Epidemic Coverage Endorsement

Adds certain epidemic-related covered reasons for Trip Cancellation/Interruption; Travel Delay; Emergency Medical Care; and Emergency Transportation benefits. For example, you may be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip because you, a travel companion, or a family member are diagnosed with an epidemic disease such as COVID-19. For more information, look for the Epidemic Coverage Endorsement page within your plan details.

Not available in all jurisdictions. For plans without this endorsement, certain limited-time COVID-19 claim accommodations may be available. Read our Coverage Alert for details.

Trip Cancellation

$2,000 / $5,000 / $10,000 / $15,000

Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason. Multiple benefit levels available.

Benefit is per policyper year.

Trip Interruption

$2,000 / $5,000 / $10,000 / $15,000

Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason. Multiple benefit levels available.

Benefit is per policyper year.

Emergency Medica

$50,000

Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. Depending on your plan, there is a $500 or $750 maximum for all covered dental expenses.

Benefit is per insuredper trip.

Emergency Medical Transportation

$500,000

Provides reimbursement for medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Benefit is per insuredper trip.

Baggage Loss/Damage

$2,000

Covers loss, damage or theft of baggage and personal effects.

Benefit is per insuredper trip.

Baggage Delay

$2,000

Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.

Benefit is per insuredper trip.

Travel Delay

$1,500 (Daily Limit $300)

Reimburses additional eligible accommodation/travel expenses and lost prepaid expenses due to a covered departure delay of six or more hours.

Benefit is per insuredper trip.

Rental Car Damage and Theft Coverage*

$45,000

Covers costs if a car you’re renting is stolen or is damaged in an accident or while it’s left unattended (not available to residents of KS, TX, and NY).

Benefit is for all insuredsper trip.

Travel Accident Coverag

$50,000

Provides cash payment for covered losses due to death, loss of limb(s) or sight as a result of a covered travel accident.

Benefit is per insuredper trip.

24-Hr Hotline Assistance

Included

With Allianz Global Assistance, you’ll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.

Concierge

Included

Provides personalized information about your destination and assists you with obtaining restaurant reservations, tee times and tickets to events.

Pre-Existing Medical Condition

Available

Your plan may provide Pre-Existing Medical Condition Coverage if you, a traveling companion, or family member has a Pre-Existing Medical Condition. A Pre-Existing Medical Condition is an injury, illness, or medical condition that, within the 120 days prior to and including the certificate purchase date: 1, Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

This plan waives the exclusion for pre-existing medical conditions if at least one of the following conditions are met:

  1. The trip was purchased during the coverage period;
  2. Your policy was purchased within 14 days of the date of the first trip payment or deposit; or
  3. You have continuous coverage. You have “continuous coverage” when the Coverage Effective Date of this policy is no later than seven days after the Coverage End Date of a previous annual policy issued to you by us.

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