Perhaps you’ve never had travel insurance before. Or perhaps you’ve recently got travel insurance and are now poring through your policy details, unsure what it all entails. We’re here to assist you!
This tutorial covers the fundamentals of travel insurance, such as how it works, how to pick a plan, and how to get the most out of your coverage.

Traveling To Canada – Check About Travel Insurance
What Exactly Is Travel Insurance?
Travel insurance is a policy that you acquire to protect you from financial risks and losses that may arise while traveling. These losses might be trivial, such as a delayed bag, or severe, such as a last-minute travel cancellation or an international medical emergency.
Aside from financial security, another significant advantage of travel insurance is access to aid services wherever in the globe. Our top team of travel and medical professionals can organize emergency medical treatment, monitor your care, act as interpreters, assist you in replacing lost passports, and much more. They can even save tourists’ lives in some cases.
Here are a few facts concerning travel insurance that you should be aware of:
Benefits differ depending on the plan. It is critical to select a plan that meets your requirements, budget, and travel plans. All available travel insurance benefits are defined here.
Travel insurance cannot cover every eventuality. Allianz Global Assistance provides named hazards travel insurance, which means that it covers just the exact scenarios, incidents, and losses listed in your plan documentation, and only under the terms we specify.
Travel insurance is intended to cover unanticipated situations, not those that are readily foreseen or under your control. If, for example, you wait until a named storm is on its way to your destination before purchasing beach insurance, your damages will be uninsured.
What Is the Process of Purchasing Travel Insurance?
Most travel insurance policies compensate you for covered financial losses when you make a claim and the claim is accepted. Filing a claim entails providing Allianz Global Assistance with documentation of your loss so that we may verify what happened and compensate you for your covered losses. You may make a claim online or using our free TravelSmart app on your phone.
In practice, how does this work? Assume you buy the OneTrip Prime Plan, which includes trip cancellation protections, to safeguard your planned Cozumel cruise. You have a high temperature and chest trouble two days before your flight. Your doctor determines that you have bacterial pneumonia and urges you to cancel your vacation. When you alert the cruise line, they inform you that it is too late for a refund.
You’d lose the money you spent on your vacation if you didn’t have travel insurance. A serious, debilitating sickness, on the other hand, might be deemed a covered reason for trip cancellation, which means you can be compensated for your booked, nonrefundable trip expenditures. Once you’re feeling better, you gather the necessary documentation — such as your airline and cruise line receipts, as well as information about any reimbursements you received or did not get — and make a claim. You can also opt to have your refund deposited directly into your bank account, deducted from your debit card, or sent to you.
This procedure might be a little erratic at times. If you require emergency medical treatment or emergency transportation while traveling abroad, travel insurance may cover your costs in advance. Alternatively, you may be entitled for a fixed payment of $100 per day for a covered travel delay or $100 for a covered luggage delay under the OneTrip Premier plan. There is no requirement for purchase receipts; all you need is confirmation of your insured delay.
Many tourists ask whether COVID-19 is a covered cause for trip cancellation. And, if you become very ill with COVID-19 while traveling, does travel insurance help? Some of our most popular travel insurance policies now offer covered causes for epidemics (benefits vary by plan and are not accessible in all jurisdictions). The new Epidemic Coverage Endorsement expands covered justifications for selecting benefits for specific COVID-19 and future epidemic losses. Look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation to determine if your plan contains this endorsement and what it covers. There are terms, limitations, and exclusions that apply. The benefits you get may not cover the whole cost of your loss. All benefits are subject to maximum liability limitations, which may be subject to sublimits and daily maximums in some situations.
How to Select a Travel Insurance Policy
Allianz Global Assistance provides a variety of travel insurance policies with varying benefits and benefit restrictions. So how can you know which is the greatest option for you? Begin by requesting a price for your future trip. We can offer a few options for you based on your age, travel prices, and vacation dates. Then you may weigh the costs and benefits of each option.
If you’re a budget-conscious tourist visiting the United States, the OneTrip Cancellation Plus Plan could be for you. It covers rewards for travel cancellation, interruption, and delay.
If you want protection in the event of a medical emergency when traveling abroad but only have a few pre-paid trip expenditures, consider the OneTrip Emergency Medical Plan. This low-cost plan offers emergency medical and transportation coverage, as well as various post-travel benefits, but not trip cancellation/interruption.
If you want the peace of mind that comes with having large travel insurance coverage, the OneTrip Prime Plan may be the ideal option. This plan also includes free coverage for children aged 17 and under while traveling with a parent or grandparent.
If you have numerous travels planned in the next 12 months, consider purchasing yearly travel insurance, such as the AllTrips Prime Plan. It provides cheap coverage for a full year of travel, including trip cancellation and interruption benefits, emergency medical care, lost/stolen or delayed baggage, and Rental Car Theft & Damage insurance (available to residents of most states).
How to Make the Most of Your Travel Insurance Policy
Don’t put off purchasing travel insurance for too long! The best time to purchase travel insurance is just after you’ve finalized your vacation plans. The earlier you get insurance, the wider your coverage window will be. In order to be eligible for the pre-existing medical condition benefit, you must purchase your plan within 14 days after completing your first trip deposit (not available on all plans).
Before you go, go through your plan paperwork. If you aren’t totally pleased with your plan, you have 15 days (or longer, depending on your state of residency) to request a refund, as long as you haven’t begun your trip or filed a claim. After this time, premiums are non-refundable.
When you want assistance, please contact us. Please contact us if you have any concerns regarding how travel insurance works, how to submit a claim, or which coverage you require. Our agents are available 24 hours a day, seven days a week. If you’re already on the road and have a travel emergency or simply need some guidance, call our emergency support hotline.