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The Classic Plan can prepare you for the unexpected with generous levels of protection for domestic and international travel. It’s the ideal travel companion with features like trip cancellation protection, emergency medical benefits, 24-hour live assistance, and available benefit enhancements that can tailor the plan to fit specific needs. This plan also includes SmartBenefitsSM which can proactively pay you and simplify the claims process with no receipts required. Plus, kids 17 and under are covered for free when traveling with a parent or grandparent. Under certain conditions, covered reasons for some benefits of this plan include epidemic or pandemic-related illness, individually-ordered quarantine, and denied boarding.

Whether you’re planning a family beach week or an epic road trip, Classic Plan gives you perfect peace of mind. Our most popular choice for vacations, Classic Plan includes key benefits like trip cancellation/interruption, emergency medical and emergency transportation. Trip cancellation benefits can reimburse your prepaid, non-refundable expenses — such as vacation rental costs, transportation costs, even campground reservations — if you must cancel your trip due to a covered reason. Pre-existing medical condition coverage is available. Kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).

Renting a car for your trip? Upgrade your plan to include the affordable Rental Car Protector.

Please note that Class Plan is designed for trips up to 180 days. All benefits are per insured traveler unless otherwise noted.

Benefits/Coverage

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

Epidemic Coverage

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.

Trip Cancellation

Up to $100,000

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

Benefit is per insured traveler.

Trip Interruption

Up to $150,000

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.

Benefit is per insured traveler.

Trip Change Protector

Up to $500

Reimburses fees or extra expenses from a carrier or supplier if you must cancel or change your airline, rail, cruise or tour itinerary for a covered reason.

Benefit is per insured traveler.

Emergency Medical

$50,000

Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. There is a $750 maximum for all covered dental expenses.

Benefit is per insured traveler.

Emergency Medical Transportation

$500,000

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

Benefit is per insured traveler.

Baggage Loss/Damage

$1,000

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

Benefit is per insured traveler.

Baggage Delay

$300

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.) You may opt to receive a fixed inconvenience payment of $100 after a covered baggage delay, with no receipts required (just proof of delay).

Benefit is per insured traveler.

Travel Delay

$800 (Daily Limit $200)

Reimburses up to $200 per day per person for additional travel and lost prepaid expenses if your trip is delayed for five or more hours for a covered reason. Can also reimburse eligible additional expenses if you miss your cruise or tour because of a covered delay. You may opt to receive a fixed inconvenience payment of $100 per day after a covered travel delay, with no receipts required (just proof of delay).

Benefit is per insured traveler.

SmartBenefits®

$100 per insured person, per day (Up to the maximum no-receipts limit)

With SmartBenefits®, you can opt to receive a fixed inconvenience payment of $100 per insured person, per day,for a covered travel delay or baggage delay (up to the maximum no-receipts limit). No receipts required — just proof of a covered delay. You may receive this payment automatically if your covered travel delay occurs on a flight monitored by Allianz Global Assistance. You can submit your flight itinerary online.

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 covered travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help re-book your flight and/or hotel arrangements, help with missed connections, 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.

Cancel Anytime

Optional Upgrade

Reimburses 80% of your lost-non-refundable trip costs if you cancel your trip for almost any unforeseeable reason your plan does not already cover.

Benefit is per insured traveler.

Rental Car Protector

Optional Upgrade

Don’t pay more at the rental car counter. Protect yourself for just $11 per calendar day with primary collision/loss damage coverage for physical damage to a rental car.

Required to Work

Optional Upgrade

Don’t let your job derail your vacation. Add Required to Work and get trip cancellation and interruption coverage for covered work-related emergencies.

Pre-Existing Medical Condition

Available

Your plan may provide pre-existing medical conditions coverage if you, a traveling companion, or family member has a pre-existing medical condition. We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 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 conditions or symptoms are controlled by that prescription, and the prescription has not changed). The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Coverage for a pre-existing medical condition is excluded unless:

  1. You purchased your plan within 14 days of making your first trip payment or first trip deposit;
  2. On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. (If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.);
  3. You are a U.S. resident;
  4. You were medically able to travel on the day you purchased the plan.

All other contract terms and conditions apply.

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