Q:
How do I purchase travel protection online?
A:
Purchasing travel protection online is simple. Simply enter your
information to get a quote and in just a few minutes, you'll have selected the
appropriate coverage for your travel.
Q:
What is travel protection?
A:
Travel protection is the unique combination of insurance benefits and assistance services specifically designed to help protect travelers.
Q:
Why should I purchase travel protection?
A:
Travel protection insures your prepaid and nonrefundable tickets,
accommodations and other travel expenses, in case you miss your trip for a
covered reason.
Q:
What does travel protection cover?
A:
Covered reasons may include:
-Reimbursement for unexpected travel expenses
-Medical and dental benefits in case of medical emergencies
-Arrangement and payment for emergency medical evacuations and repatriations
-24-hour access to emergency medical referrals and assistance
Please see your Certificate of Insurance/Policy for your policy's specific coverage.
Q:
What are the types of coverage available?
A:
Allianz Global Assistance® offers a variety of protection plans to meet each individual traveler's needs. You can find more information on our Coverage Options page.
Coverage benefits can include Trip Cancellation, Trip Interruption, Emergency Medical/Dental Coverage, Emergency Medical Transportation, Travel Delay, Baggage Delay and Baggage Coverage.
Q:
Are there events or medical conditions that are not covered?
A:
Yes. Every insurance plan contains restrictions and limitations.
Existing medical conditions is one of these limitations. Our plan is
specifically designed for travelers and covers the unexpected and unforeseen.
For more information, please refer to your Certificate of Insurance/Policy or select Manage Your Policyfrom the home page.
Q:
Can I cancel my trip for any reason and get all my money back?
A:
No. Trip Cancellation coverage will only refund prepaid, nonrefundable
payments if you have to cancel for an unexpected covered reason. If you simply
change your mind, you will not be eligible for benefits. Please see your Certificate of
Insurance/Policy for complete details.
Q:
Can I change the trip details on my insurance policy?
A:
Yes. For fastest service, modify your policy online by selecting Manage Your Policyfrom the home page.
Q:
Can I receive a confirmation email with my travel protection details?
A:
Yes. Simply enter your email address on the purchase page and we will
email you a confirmation with your travel protection details, including a
Certificate of Insurance/Policy.
Q:
Do I need to complete all the information requested?
A:
Yes. Since our plans are insurance, we do require the information.
However, you can feel secure knowing that your purchase is secured using
encryption technology and we will not disclose or sell any of your personal
information, including your name, address, credit-card number, shopping, or
transaction history to any third party without your permission.
Q:
Doesn't my credit card or auto, homeowner or health insurance cover me while I'm traveling?
A:
Credit cards and conventional insurance provide important benefits but,
in many instances, do not cover the prepaid or added expenses associated with
vacation plans. They often lack coverage for unforeseen travel expenses that
stem from cancellations, interruptions or delays and may not extend to nonrefundable
deposits and payments if you need to cancel or interrupt your vacation. Plus,
filing a claim on these policies could increase your premium costs. (Check your
specific policies to determine the coverage/benefits available to you in a
travel emergency.)
In addition, most U.S.
health insurance benefits are reduced when policy holders travel out of
network, and very few cover more than a fraction of the cost for overseas
health care. More importantly, medical transportation from another U.S. or
foreign city back home can be very costly.
Travel insurance can
help protect your trip costs and can cover many gaps left by these other plans.
(Certain exclusions, conditions and limitations apply.)
Q:
How can your 24-hour assistance service help me?
A:
Our 24-hour assistance service is staffed with multilingual specialists, trained to help travelers with emergency medical, legal or travel help. Should a medical emergency arise, we will coordinate medical assistance and emergency transportation.
Q:
How do I file a claim?
A:
We make filing claims easy. File a claim online simply by
selecting “File a Claim” from the home page.
Q:
I don't understand many of the terms. Can you explain them?
A:
See below for definitions of the various terms used. A complete description with specific coverage amounts will be provided in your Certificate of Insurance/Policy.  
Policy Amount - This is the amount of protection that each benefit provides. When purchasing travel insurance, be sure to find the plan that offers the policy amounts to meet your trip needs. 
Trip Cancellation - Provides reimbursement of covered prepaid, nonrefundable trip payments or deposits if your trip is cancelled prior to departure for a covered reason. 
Trip Interruption - Provides reimbursement for covered prepaid, nonrefundable expenses resulting from a trip interruption that occurs after departure for one of the covered reasons. 
Emergency Medical Transportation - Arranges to medically transport a patient to an appropriate medical facility or to return home to receive care. 
Emergency Medical/Dental Coverage - Pays for the cost of treatment associated with a medical or dental emergency incurred while traveling. 
Travel Delay - Provides reimbursement for meals and accommodations when a trip is unexpectedly delayed due to a covered reason. 
Baggage Delay - Provides reimbursement for essential items if your luggage is delayed for 24 hours or more. 
Baggage Coverage - Provides reimbursement if your luggage is lost, damaged or stolen while you are traveling.
Q:
How do I cancel my policy?
A:
For fastest service, cancel your policy online by selecting Manage Your Policy from the home page. 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:
Is my travel protection cancelled automatically if I cancel my travel arrangements?
A:
No. Please contact us as soon as possible after cancelling your travel
arrangements to make any changes and/or cancellations to your travel
protection. You can cancel your policy or modify your policy online by
selecting “Manage Your Policy” on the home page. 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:
What is an example of a covered reason for cancellation?
A:
There are many covered reasons for cancelling a trip; however, the most
common is an injury or illness. For example, a family is planning a summer
vacation and a week before the trip, a close relative is admitted to the
hospital with a life-threatening illness. The family could file a claim for any
prepaid, nonrefundable expenses or other costs associated with a change or
cancellation of their vacation plans.
Q:
What is the Satisfaction Guarantee?
A:
Allianz Global Assistance®
will refund your insurance premium if you cancel your insurance within 10 days
of purchase and have not filed a claim or departed on your trip.
Q:
When is the best time to purchase travel protection in order to be covered?
A:
Right away. While you can buy travel insurance up until the day before
you depart, we recommend you purchase as early as possible to receive the
maximum benefits if you have to cancel your travel arrangements for a covered
reason.
Q:
Who provides the insurance for these plans?
A:
Insurance coverage is underwritten by BCS Insurance Company (OH,
Administrative Office: Oakwood Terrace, Ill), 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.
Q:
Why can't I buy protection on the day my trip begins?
A:
Travel protection policy coverage generally starts at 12:01 A.M. on the
day the scheduled trip begins. Therefore, travel protection cannot be purchased
after that time.
Q:
Why isn't my travel protection purchase displayed in my travel itinerary?
A:
When you purchase travel protection products directly from Allianz
Global Assistance®,
you'll receive a separate confirmation. All policy documentation will be sent
directly to you from Allianz Global Assistance.