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Our Guarantee

When you purchase a travel insurance plan from us, you have 10 days to review the coverage details. If for any reason you wish to cancel the plan, we’ll refund your money as long as you haven’t already traveled or filed a claim.

FAQ

Q: Why do I need trip insurance?
A: Just as you have home or car insurance, trip insurance is no different, by protecting the investment you make in your travel plans. Trip insurance can protect your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason.

Q: What does trip insurance cover?
A: Trip insurance provides benefits for a number of situations associated with cancelled or interrupted travel, including:

Trip Cancellation Protection

Trip Interruption Protection

Emergency Medical Transportation

Emergency Medical / Dental Benefits

Lost / Stolen / Delayed Baggage Coverage

Travel Delay Coverage

For definitions of these terms, please click here

Not all plans include each benefit listed here. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.

Q: When is the best time to purchase trip insurance?
A: Ideally, to make sure you can be eligible for existing medical conditions coverage and supplier financial default protection; you must purchase your trip insurance within 14 days of making your original trip deposit unless otherwise specified in your particular plan. Coverage limits may vary based upon your chosen plan; however, you can still buy a policy up until the day before you leave on your trip. 

Q: Won't my credit card, homeowner's policy, or medical insurance give me the coverage I need when I'm traveling?
A: Not necessarily. You should check these policies before you travel to assess exactly how or if you would be covered in case you have an emergency.

Credit cards and homeowner's policies. Many credit cards and homeowner's policies don't cover everything you need to protect, including some types of emergencies and trip cancellation or interruption. If they do provide coverage, it's often limited, depending on the type of card you use or the coverage you have with your homeowner's policy.

Health insurance. Most health insurance plans don't provide direct payment to foreign hospitals. They may also have deductibles and won't cover the cost of emergency medical transportation.

Additionally, trip insurance can provide you with a wide range of assistance benefits, even if you're traveling halfway around the world. You can find out more about these benefits in the question below.

Q: What will the 24-Hour Hotline Assistance do for me?
A: Our 24-hour hotline is staffed with multilingual specialists who can help you with all types of situations from anywhere in the world, from reporting lost baggage to getting emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash in case of emergency and guarantee payment to gain admission into a hospital.

Q: What is included under non-refundable costs?
A: Non-refundable costs include your trip deposits/payments that would be lost if you had to cancel for a covered reason prior to trip departure. Some examples include cruise, tour and airline ticket costs. Be sure to consult your travel coordinator to determine what costs are non-refundable for your particular trip as cancellation policies vary.

Q: How do I purchase an insurance policy?
A: Please visit the homepage and provide us with some information about your trip to get an immediate, free quote. From there, you can choose which of our plans provides the appropriate amount of coverage for your travel needs and simply click 'Buy It Now'!

Q: If I cancel my trip, do I get my money back?
A: In most cases, yes. Trip cancellation coverage gives cash back for prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. Some reasons include sudden covered medical emergencies, financial default of a covered airline, cruise line or tour operator, employer termination, terrorist incidents, and jury duty. Changing your mind about taking a trip or having certain business obligations are not covered.

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If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the cancellation.

Q: How do I file a claim?
A: Simply click the "Claim Center" tab located on the upper left-hand side of the homepage. Once you have filed your claim, you will receive a confirmation email from us, as well as a required documentation checklist. You can also watch a video demonstrating this process by clicking here.

Q: How do I check the status of a claim I've filed?
A: You can check the status of your claim at any time by clicking on the "Claim Center" tab located on the upper left-hand side of the homepage.  You can also watch a video demonstrating this process by clicking here.

Q: How long will it take for my claim to be reviewed?
A: Once we receive your claim form and all the required supporting documentation, we will immediately begin our review. Please allow up to 10 business days for us to complete this process.

Q: Where do I find a list of the required claim documents?
A: All required documents and information can be found on your online claim filing confirmation page or by clicking here. You can also download and submit these forms by visiting the "Claim Center" tab located on the upper left-hand side of the homepage and entering your claim details.

Q: Where do I send my required claim documents?
A: You can upload your completed forms by tracking your claim from the "Claim Center" tab located on the upper left-hand side of the homepage. You can also watch a video demonstrating this process by clicking here.

If you prefer, you can mail or fax your completed forms to:

Allianz Global Assistance

Attn: Travel Claims Dept.

P.O. Box 72031

Richmond, VA; 23255-2031

Fax:(804) 673-1469

Q: How do I get another copy of my policy documents?
A: You can request an additional copy of your policy documents be sent via email by logging in to the "Manage Your Policy" tab located on upper left-hand side of the homepage.

Q: Can I change the details of my insurance policy?
A: Yes. For faster service, you can modify your policy online by clicking on the "Manage Your Policy" tab located on upper left-hand side of the homepage. You can also watch a video demonstrating this process by clicking here

Q: How do I cancel my policy?
A: For faster service, you can cancel your policy online from the “Manage Your Policy” tab located on the upper left-hand side of the homepage. For a full refund of your premium, you must cancel within 10 days of purchase and have not filed a claim or attended your event.

Q: What is an existing medical condition?
A: An existing medical condition is an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. Please also note that you may still be covered for losses caused by reasons other than those related to an existing medical condition. See the Certificate of Insurance / Policy for details. Terms, conditions and exclusions apply. Please see your Certificate of Insurance/Policy for full details.

Q: If I have an existing medical condition, can I still purchase insurance?
A: Yes. On select products, we offer existing medical condition coverage. In order to have your existing medical condition covered, generally the following criteria must be met:

1)You must be a US resident who is medically able to travel on the date you purchase your plan

2) You must purchase trip cancellation coverage that covers the full cost of all your non-refundable trip arrangements.

3) Your plan must be purchased within 14 days of your original trip deposit or initial payment date unless otherwise specified in your particular plan.

Coverage limits may vary based upon your chosen plan. Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions.

Q: What is supplier default?
A: Supplier default refers to financial default as it is defined in our insurance policies and certificates: "A complete cessation of operations because of financial circumstances, with or without filing for bankruptcy protection." Subject to your plan's terms and conditions, you are covered for the specified amount of Trip Cancellation or Interruption you purchased in the event a Covered Supplier financially defaults. Coverage applies to non-refundable payments and deposits you made before your trip was canceled, less any published refunds you're entitled to receive.

Q: How do I determine if I have supplier financial default coverage?
A: Please review your plan's terms, conditions and exclusions. Generally, you are covered for the specified amount of Trip Cancellation/Interruption purchased in the event a covered supplier financially defaults as long as all of the conditions listed below are met:

1) You purchased a plan with Trip Cancellation or Interruption coverage within 14 days of paying your initial trip payment or deposit.

2) The financial default occurs more than seven days after the policy's effective date.

3) You use a travel supplier (other than the organization from which you purchased this insurance or their affiliate companies) listed as a covered supplier at the time of insurance purchase.

A list of these covered suppliers can be found by clicking here

Q: Is my Trip Insurance policy cancelled automatically if I cancel my travel arrangements?
A: No - you'll need to contact us as soon as possible after cancelling your travel arrangements to make any changes and/or cancellations to your policy. For faster service, you can modify or cancel your policy online by clicking on the "Manage Your Policy" tab located on upper left-hand side of the homepage. You can also watch a video demonstrating this process by clicking here.

For a full refund of your premium, you must cancel within 10 days of purchase and have not filed a claim or departed on your trip.

Q: Why isn't my travel protection purchase displayed in my travel itinerary?
A: When you purchase Trip Insurance from Allianz Global Assistance, you'll receive a separate confirmation. All policy documentation will be sent directly to you from Allianz Global Assistance. 

Q: Who provides the insurance for these plans?
A: Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakbrook Terrace, IL), 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: Richmond, VA), rated "A" (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on the insured's state. Allianz Global Assistance and Allianz Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

Our Company

Allianz Global Assistance is one of the world’s leading providers of travel insurance and assistance services. Worldwide, Allianz Global Assistance employs nearly 10,000 travel professionals and has offices in 28 countries. The strength of this global network allows us to deliver the highest level of benefits and services to customers like you. Allianz Global Assistance products are underwritten by BCS Insurance Company or Jefferson Insurance Company depending on the insured's state of residency.

Customer Testimonials

"We have used your insurance for many years and on the two occasions when we had to file a claim, you have come through with flying colors."

~ Edwin M., Orange, FL