A purchased plan that protects against financial losses while traveling.
Covers issues like delayed luggage, trip cancellations, or medical emergencies abroad.
Includes 24/7 assistance services for global support.
Key Points:
Plans vary – choose one that fits your trip, needs, and budget.
Covers only listed (named) perils – not every situation.
Meant for unforeseen events – not things you can anticipate (like a hurricane you already knew about).
How It Works:
You file a claim with proof of loss.
If approved, you’re reimbursed (via check, debit card, or direct deposit).
In emergencies abroad (like hospitalization), some expenses may be paid upfront.
Example:
If you cancel a cruise due to illness, insurance can reimburse nonrefundable costs, provided the illness is a covered reason and you provide documentation.
COVID-19 Coverage:
Many plans now include epidemic-related benefits (varies by plan/jurisdiction).
Check your Declarations of Coverage for details.
Choosing a Plan:
Get a quote with your age, trip cost, and dates.
Compare plans based on costs, benefits, and coverage limits.
1. Trip Cancellation Coverage
Plans change. If you cancel due to a covered reason—like illness or a family emergency—travel insurance can reimburse your nonrefundable expenses.
2. Medical Emergency Protection
Your regular health insurance might not cover care abroad. Travel insurance covers emergency treatment and costly evacuations—especially important overseas.
3. Coverage for Delays & Missed Connections
Flight canceled? Bags lost? Travel insurance can reimburse you for hotel stays, meals, and help get you to your destination or home.
4. Emergency Assistance & Trip Interruptions
If you have to end your trip early or deal with unexpected events, insurance can arrange your return and reimburse unused portions and added travel costs.
5. Peace of Mind While You Travel
Relax and enjoy your trip without worrying about weather delays, lost belongings, or medical issues. Insurance gives you backup when things go sideways.
📝 Pro Tip: Buy your travel insurance within 14 days of your first trip payment to get maximum coverage and early protection.
How Travel Insurance Works
What is travel insurance?
Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.
In addition to financial protection, the other huge benefit of travel insurance is access to assistance services, wherever you are in the world.
A few things you should know about travel insurance:
- Benefits vary by plan. It’s important to choose a plan that fits your needs, your budget and your travel plans.
- Travel insurance can’t cover every possible situation. Allianz Travel Insurance is named perils travel insurance, which means it covers only the specific situations, events, and losses included in your plan documents, and only under the conditions we describe.
- Travel insurance is designed to cover unforeseeable events—not things you could easily see coming, or things within your control. If, for example, you wait to buy insurance for your beach trip until after a named hurricane is hustling toward your destination, your losses wouldn’t be covered.
How does travel insurance work?
In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses.
How does this work in real life? Let’s say you purchase the OneTrip Prime Plan, which includes trip cancellation benefits, to protect your upcoming cruise to Cozumel. Two days before departure, you experience a high fever and chest pain. Your doctor diagnoses bacterial pneumonia and advises you to cancel the trip. When you notify the cruise line, they tell you it’s too late to receive a refund.
Without travel insurance, you’d lose the money you spent on your vacation. Fortunately, a serious, disabling illness can be considered a covered reason for trip cancellation, which means you can be reimbursed for your prepaid, nonrefundable trip costs. Once you’re feeling better, you gather the required documents—such as your airfare and cruise line receipts and information about any refunds you did or did not receive—and you file a claim. You can even choose to receive your reimbursement by direct deposit, to your debit card, or via check.
Sometimes, this process works a little differently. Travel insurance may pay your expenses upfront if you require emergency medical treatment or emergency transportation while traveling overseas.
Many travelers are wondering: Can COVID-19 be considered a covered reason for trip cancellation? And can travel insurance help if you become seriously ill with COVID-19 while traveling? Most of our travel insurance plans now include epidemic-related covered reasons (benefits vary by plan and are not available in all jurisdictions). The Epidemic Coverage Endorsement adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. To see if your plan includes this endorsement and what it covers, please look for "Epidemic Coverage Endorsement" on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply. Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.
How to choose a travel insurance plan
There’s a wide range of Allianz Travel Insurance plans, each with different benefits and benefit limits. So how do you know which is best for you? To begin, get a quote for your upcoming trip. When you enter your age, trip costs and trip dates, we can recommend a few plans for you. Then, you can compare the costs and benefits of each.
5 Reasons You Need Travel Insurance (Not Just for Cruises!)
For many travelers, a vacation goes off without a hitch. But when things go wrong—lost baggage, sudden illness, unexpected delays—they can go wrong fast. That’s why travel insurance is just as essential to pack as your phone charger and passport.
Here are five solid reasons why travel insurance is worth every penny when you're preparing for any kind of trip—land, sea, or air. But first, let’s tackle the biggest question:
Is Travel Insurance Really Worth It?
Absolutely.
Even budget vacations come with hidden costs: flights, accommodations, excursions, and more. A travel insurance policy is a small upfront cost that protects you from huge potential losses—trip cancellations, emergency medical care, travel delays, lost baggage, and more.
Just make sure you choose a plan that fits your specific needs. Not all plans are the same, so read carefully to understand what’s covered.
1. It Protects You If You Need to Cancel Last-Minute
Trip cancellations happen—family emergencies, illnesses, natural disasters, or even unexpected job obligations. But many airlines, tour operators, and hotels don’t offer full refunds unless you cancel well in advance… and sometimes not even then.
Travel insurance can reimburse you for prepaid, non-refundable expenses if you have to cancel your trip for a covered reason. Just be sure to review what your policy defines as a "covered reason."
2. It Can Save the Day During a Medical Emergency
Most health insurance plans—including Medicare—don’t provide full coverage outside your home country. If you need treatment abroad, or worse, require an emergency evacuation, the out-of-pocket cost can soar into the tens of thousands.
Comprehensive travel insurance includes emergency medical coverage and evacuation benefits. Some plans also include 24/7 assistance services to help you find doctors, navigate foreign hospitals, and even arrange medical transport home.
3. It Has Your Back When You Miss a Connection
A canceled flight, a flat tire, or a delayed train can cause a ripple effect that ruins the start of your vacation. Without travel insurance, you could be stuck covering the cost of a new flight, hotel room, or even rebooking entire parts of your trip.
With trip delay and interruption benefits, your insurance can reimburse you for meals, accommodations, and alternate transportation when delays or missed connections occur for a covered reason.
4. It Helps When the Unexpected Happens Mid-Trip
Sometimes you’re forced to cut your trip short. Maybe a loved one falls ill at home, or a natural disaster disrupts your destination. Travel insurance can reimburse you for both your unused travel expenses and the extra costs of getting home.
Look for policies that offer up to 150% reimbursement for trip interruption—that means even if your return flight costs more than your original one, you’re covered.
5. It Lets You Relax and Enjoy Your Trip
Travel should be exciting—not stressful. But it’s hard to unwind when you're worried about potential problems like lost luggage, bad weather, theft, or political unrest.
A good travel insurance policy offers peace of mind. You travel knowing that if something does go wrong, you won’t face it alone—or foot the bill alone either.
Final Tip: Buy Early for Maximum Protection
For the best value, buy your travel insurance as soon as you book your trip—ideally within 14 days. That way, you get access to extra benefits like coverage for pre-existing conditions or “cancel for any reason” upgrades, if available.
Whether you’re headed to a remote beach, a bustling city, or the mountains, travel insurance is your backup plan when life throws you a curveball. Don't leave home without it.