Why do I need travel insurance?
Just as you have home or car insurance, travel insurance is no different, by protecting the investment you make in travel plans. Travel 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, as well as provide additional benefits like baggage protection and emergency medical and dental.
What is included under non-refundable costs?
Non-refundable costs can include your trip deposits/payments that would be lost if you had to cancel for a covered reason prior to trip departure. Some examples may 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.
What does travel insurance cover?
Travel insurance can provide benefits for a number of covered situations that may occur before or during your trip, including:
- Trip Cancellation Protection
- Trip Interruption Protection
- Emergency Medical/Dental
- Emergency Medical Transportation
- Lost/Stolen/Damaged Baggage
- Travel Delay
For definitions of these terms, please click here.
Note: not all plans include each benefit listed here. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.
What will the 24-hour Assistance do for me?
The 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 from home in case of emergency and guarantee payment to gain admission into a hospital in many cases.
COVID-19 Epidemic Coverage Endorsement
For customers purchasing a new travel protection plan, some plans from Allianz Global Assistance now include an Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. Benefits vary by plan and by state of residence, and are not available in all jurisdictions. For more information, please see the Epidemic Coverage Endorsement page in your plan details and refer to Allianz Global Assistance’s COVID-19 FAQ or COVID-19 Coverage Alert. Learn more.
If I cancel my trip, do I get my money back?
Trip cancellation protection provides cash back for prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your plan. 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. Some reasons for cancellation aren't covered, such as changing your mind about taking a trip or other things not named in your policy/certificate of insurance. Not all plans include trip cancellation. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.
If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the cancellation.
Who provides the insurance for these programs?
Insurance benefits 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 chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance (AGA) or its affiliates. AGA compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.
Can I change the details of my insurance policy?
Yes, as long as you have not already departed on your trip or filed a claim. For fastest service, visit the online plan management tool or calling 1-866-672-9580.
How do I get another copy of my policy documents?
You can request an additional copy of your plan documents by visiting the online plan management tool.
How do I cancel a policy?
For fastest service, you can cancel your policy by visiting the online plan management tool. If you’re not satisfied, you have 15 days to cancel your plan and receive a full refund of the plan price. Plans are generally non-refundable after that period, or if you have started your trip, filed a claim, or the policy has ended. Cancellation rules may vary by plan or state; see your plan details.
