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Protect your travel experience
Read about Allianz Trip Insurance's restrictions on COVID-19 insurance coverage and accommodation.
Top reasons to buy travel insurance
- Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury service, etc.
- Emergency medical benefits inside and outside the US - how many personal health insurances (like Medicare) don't cover you
- 24-hour emergency assistance to help you resolve medical and other travel-related issues on the go
Types of travel insurance plans
Allianz Trip Insurance comes in a variety of plans to suit your specific needs. Single trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental car.
All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed manufacturer and administrator of these plans. AGA Service Company is a licensed manufacturer in all 50 states plus the District of Columbia.
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Travel insurance benefits
Refunds your pre-paid, non-refundable travel expenses if you have to cancel your trip due to covered illness, injury, etc.
Refunds the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or continue your trip due to a covered illness, injury, and more.
Reimburses expenses in connection with covered emergency medical or dental care on your trip.
Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.
Reimburses extra meals and lodging that you may need if your flight is delayed for 6 or more hours for a covered reason.
Reimburses you if your luggage is lost, damaged or stolen during your trip – keeping your travel plans on track.
Refunds purchases of essential items if your luggage is delayed for more than 24 hours.
Make your trip a VIP experience. Our travel experts can provide you with destination information, make restaurant reservations, find tickets to shows and more.
Help is just a phone call away. Our team of multilingual problem solvers is available to assist you with medical and other travel-related emergencies.
Provides primary coverage without excess.
Review period
If you are not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you have not started your trip or initiated a claim. Plans are non-refundable after this period.
Additional assistance
Coverage by country of residence
- Canada
- Mexico
Need help?
- Frequently asked questions
- Contact us
Insurance services underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated "A" (Excellent) by A.M. Best Co., under BCS Form No. 52.201 Series or 52.401 Series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated "A+" (Superior) by A.M. Best Co., under Jefferson Form No. 101-C Series or 101-P Series, depending on your state of residence and plan selected. A+ (Superior) and A (Excellent) are respectively the 2nd and 3rd highest of A.M. Best's 13 Financial Strength Ratings. Plans are only available to US residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are trademarks of AGA Service Company dba Allianz Global Assistance or its subsidiaries. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and a subsidiary of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage by reason of the association between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance benefits. Any non-insurance assistance services purchased are provided through the AGA Service Company. Unless expressly stated in your plan, you are responsible for fees you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or customerservice@allianzassistance.com
Send an email to customerservice@allianzassistance.com
PLEASE NOTE:This plan contains insurance benefits (which may include disability and/or health insurance benefits) that apply only during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter's, health, life, personal liability or other insurance or source of coverage, but may be subject to other limitations. You should review the terms of this policy with your existing coverage. If you have questions about your current coverage, call your insurance company/health plan or insurance agent/broker. This insurance is not required to purchase other products/services. Unless licensed, travel agents and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance or assess the adequacy of existing coverage. Plans are intended for US residents only and may not be available in all jurisdictions. Rental Car Protector is not available to residents of KS and TX except when purchased as a separate policy and is not available in all states or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law or any other law mandating motor vehicle coverage and does not cover you for damages to another party. Other than that:
California residents:We do business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.
New York residents:The licensed producer represents the insurance company in connection with the sale. Compensation paid to the producer may depend on the policy chosen or the producer's expenses, business volume or profitability. The buyer can request and obtain information about the manufacturer's compensation, unless otherwise provided by law.
Residents of Maryland:Purchase of travel insurance will make travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.
Texas residents:Before deciding whether to purchase this insurance plan, you may want to determine whether your own auto insurance or credit card agreement provides coverage for rental vehicle damage or loss and determine the deductible under your own insurance coverage. Purchase of this insurance plan is not mandatory. This coverage is not comprehensive, meaning it does not cover things like personal injury, personal liability, or personal property. It does not cover you for damage to other vehicles or property. It does not cover you for damages to any other party.
The plan fee includes the costs of insurance benefits and assistance benefits. See your plan details for more information or call Allianz Global Assistance at 800-284-8300.
AGA Service Company dba Allianz Global Assistance (AGA) compensates its suppliers or agencies for allowing AGA to market or offer products to the supplier's or agency's customers.
*Terms, conditions and exceptions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on the insured's state of residence. AGA Service Company is the licensed manufacturer and administrator of these plans.
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FAQs
Does trip insurance cover if I cancel my trip? ›
If you have to cancel your trip for a covered reason, such as illness or jury duty, your travel insurance policy will reimburse you for part or all of the cost of the trip. However, it's important to note that most policies have strict requirements for what counts as a covered reason.
What does insurance cover on a trip? ›The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, rental property and rental car coverage, medical coverage, and accidental death coverage.
How do I get my money back from trip insurance? ›Travel insurance reimburses the cost of nonrefundable travel plans if you need to cancel your flight for a covered reason. To receive reimbursement, you must file a claim and submit supporting documentation that validates your eligibility to receive reimbursement.
Is trip insurance the same as a refundable ticket? ›The trip insurance will only cover a change fee to reschedule the trip due to a covered reason, like illness. Usually trip insurance only pays for certain events, e.g. getting sick just before the flight. Refundable tickets are refundable for any or no reason before or after departure.
What is not covered in travel insurance? ›According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."
Does trip cancellation insurance cover non refundable flights? ›Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.) that you have insured, should you cancel your trip before departure for an unforeseen covered reason.
Does travel insurance cover COVID? ›If you contract COVID-19 and must cancel your trip, you are likely to be covered if you have a standard travel insurance policy. Trip cancellation/trip interruption policies cover the cancellation or interruption of your travel as the result of a covered event.
Do airlines offer travel insurance? ›Generally, you can purchase a flight insurance plan through the airline carrier or from a third-party travel insurance company. Each policy can drastically vary, so it's important to read the fine print before you buy. For example, Allegiant offers flight insurance called Trip Flex.
How do I know if I have trip insurance? ›Am I already covered? Your homeowners or renters insurance may include travel coverage. Ask your insurer or agent what your policy covers. Some credit cards include travel protections or may offer travel insurance, too, so ask when you use the card for trip expenses.
Can I get a refund for Allianz travel insurance? ›For a full refund of your premium, you must cancel within 15 days of your plan purchase (depending on your state of residence) and must not have filed a claim or departed on your trip. Premiums are non-refundable after this period.
How long does Allianz take to process a claim? ›
Upon receipt, the Allianz Claims department will evaluate your claim within 10 business days. We will contact the beneficiary for additional information if needed.
How much is cancellation insurance for a flight? ›In general, you should expect a plan will cost anywhere from 4%-10% of your total pre-paid, nonrefundable trip cost. For example, if you purchased a trip with a total cost of $5,000, travel insurance policies available to you will likely range in price from $250-$500, depending on variables.
Does American Airlines sell refundable tickets? ›A refundable American Airlines ticket lets you receive a full refund anytime before departure, with any ticket type. Searching for refundable flights with American Airlines couldn't be easier with Alternative Airlines - using our refundable flights search filter, you can be as flexible as possible with your trip.
What happens if you cancel your trip? ›Canceling a nonrefundable fare will result in an eCredit for the full amount paid (minus any cancellation fees, depending on fare type and route). However, if you cancel a refundable ticket, you'll get the amount paid refunded back to your original form of payment.
Can you get a refund on plane tickets after 24 hours? ›Although airlines must hold a reservation for 24 hours or provide a refund to consumers at their request within 24 hours of making a reservation, airlines are not required to make changes to a ticket free of charge (for example - change your ticket to a different date or correct a misspelled name on the reservation).
What are valid reasons for trip cancellation insurance? ›- The unexpected death, illness, or injury of you and/or a family member.
- Being unable to participate in a sporting event due to a medical condition when the purpose of the trip was participation in that sport.
- Unforeseen natural disasters at home or at the destination.
Yes, you can reschedule or cancel a flight. However, you may need to pay a change or cancellation fee depending on the airline you booked with and the fare class of your ticket.
What does trip cancellation insurance mean? ›Trip cancellation kicks in if certain medical or non-medical events occur before you leave home, so you're reimbursed on all or some costs, depending on your coverage. Trip interruption reimburses you if a similar set of events occur after you leave home and during your trip and you're forced to return home.