Travel Insurance

Whether you're traveling for business or leisure, you'll appreciate the benefits and support travel insurance plans from Allianz Global Assistance travel can provide. Each year they protect millions of travelers from the unexpected with plans that can include benefits to help in a number of covered situations. Benefits can include protection for mishaps like covered trip cancellations and interruptions, travel delays, lost or stolen baggage, plus get 24/7 support from their award-winning assistance team to help you navigate any travel mishap.

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Travel Insurance Plans from Allianz Global Assistance can include:

Trip Interruption

Trip Cancellation

Emergency Medical

Baggage Loss/Damage

Travel Delay

24-Hr Assistance Hotline

Single Trip Plans

At Allianz Global Assistance, their single trip travel insurance offerings range from the Essential Plan, which gives affordable peace of mind, to the Classic Plan, which is designed for families and individuals traveling abroad who may experience a number of unforeseen covered challenges and inconveniences.

  • Basic Plan
  • The economical choice for domestic & international travelers
  • Trip Cancellation
  • Trip Interruption
  • Emergency Medical Care
  • Emergency Medical Transportation
  • Baggage Loss/Damage
  • Baggage Delay
  • Travel Delay
  • 24-Hr Assistance Hotline
  • Pre-Existing Medical Conditions
  • Classic Plan
  • Our most popular plan for family vacations, cruises and tours
  • Trip Cancellation
  • Trip Interruption
  • Emergency Medical Care
  • Emergency Medical Transportation
  • Baggage Loss/Damage
  • Baggage Delay
  • Travel Delay
  • Trip Change Protector
  • 24-Hr Assistance Hotline and Concierge
  • Pre-Existing Medical Conditions

Terms, conditions and exclusions, including for pre-existing medical conditions apply to all plans. Specific plan benefits may vary. Please review your plan details for more information.

Frequently Asked Questions

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.

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.

COVID-19 Update: New 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.

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

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 completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Premiums are non-refundable after this period.

Benefit Descriptions

Published Sep 06, 2018

Please note that these descriptions are solely intended to help our customers understand plan details, and should not be used to interpret coverage. Not all of these benefits are included in every Allianz Global Assistance travel insurance plan. For official definitions regarding coverage, as well as the maximum limit for each benefit, please refer to your plan documents.

Trip Cancellation – Provides reimbursement for prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.

Trip Interruption – Provides reimbursement for the unused, non-refundable portion of your trip and additional transportation costs to return home due to a covered reason.

Emergency Medical / Dental – Reimbursement for the cost of treatment associated with a covered medical or dental emergency incurred while traveling. A deductible may apply. Dental sublimit applies.

Emergency Transportation – Provides medically necessary transportation to the nearest hospital or appropriate facility.

Travel Delay – Provides reimbursement for certain eligible expenses due to a covered travel delay.

Baggage Loss – Provides reimbursement if your baggage is lost, damaged or stolen while you are traveling.

Baggage Delay – Your baggage is delayed by a common carrier while on your trip for period specified in your plan documents.

Trip Change Protector – If you must cancel or change your airline, rail, cruise, or tour itinerary for a covered reason, this benefit can reimburse you for any fee or extra expense charged by a carrier or supplier.

* - Please note that these descriptions are solely intended to help our customers understand plan details, and should not be used to interpret plan benefits. For official definitions regarding coverage, please refer to your Letter of Confirmation and Certificate of Insurance/Policy.