Travel insurance exists to safeguard you

Travel insurance exists to safeguard you from certain financial risks and losses that can occur while traveling. Trip cancellation/interruption benefits can reimburse you for non-refundable, pre-paid trip costs (up to the amount of your plan limits) should your trip be canceled or interrupted for a covered reason. Depending on the plan you choose, travel insurance also can reimburse eligible medical costs in case of a covered medical or dental emergency; reimburse you for losses caused by a covered travel delay, baggage delay or baggage loss/damage; and help in other situations as well.

pre-paid trip deposits/payments that would be lost if you had to cancel

Non-refundable costs include pre-paid 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 fares, tours, conference fees and airline ticket costs. Be sure to consult your travel suppliers to determine which costs are non-refundable for your particular trip, as cancellation policies vary.

Depending on the plan you choose, travel insurance can provide benefits for a number of situations that may occur before or during your trip. These benefits may include:

• Trip Cancellation
• Trip Interruption
• Emergency Medical Transportation
• Emergency Medical / Dental
• Lost / Stolen / Delayed Baggage
• Travel Delay
• Change Fee Coverage
• Loyalty Program Redeposit Fee Coverage
• Rental Car Damage Protection
• 24-Hour Hotline Assistance

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

More is better when going to Europe

That depends on your budget, your destination and your specific situation. When you’re traveling overseas, we recommend a plan that includes emergency medical and emergency medical transportation benefits. To protect your trip investment, look for a plan with trip cancellation and trip interruption benefits.

people who are named insured

Your travel insurance plan covers only people who are named insured — that is, named in the plan. Family members and/or travel companions are not covered unless they’re named in your plan documents. If you purchase the OneTrip Prime or OneTrip Premier plan, kids 17 and under are covered free when traveling with a parent or grandparent. The AllTrips Premier plan also can cover an entire household on a single plan.

Probably not

Before traveling overseas, it’s wise to ask your health insurance provider if your coverage travels with you. Medicare generally does not offer coverage overseas, and hospitals in other countries often require cash payments up front. Also, very few health insurance companies pay for your medical evacuation back to the United States, as the U.S. Department of State explains. This is why it’s so important to have travel insurance with emergency medical and emergency medical transportation benefits.

Yes, if you have to cancel your trip for one of the covered reasons stated in your plan document

Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. Examples of covered reasons may include: sudden covered medical emergencies; the birth of a family member’s child; the death of a travel companion or family member; financial default of a covered airline, cruise line or tour operator; legal separation or divorce; or 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 Certificate of Insurance/Policy.

If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the cancellation. Not all plans include trip cancellation benefits. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.

Read more: Trip Cancellation Insurance: Covered Reasons Explained

You can request an additional copy of your policy documents by visiting our online policy management tool.

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including your plan purchase date:

1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
2. Presented symptoms; or
3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Yes. If your plan includes the Pre-Existing Medical Condition Exclusion Waiver, you may be covered for losses due to a pre-existing medical condition if you meet all the following requirements:

1. Your plan was purchased within 14 days of the date of the first trip payment or deposit;
2. You were a U.S. resident when the plan was purchased;
3. You were medically able to travel when the plan was purchased; and
4. On the plan purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the plan purchase date and the departure date.

If you incur additional non-refundable trip expenses after you purchase your plan, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion. Coverage limits may vary based upon your chosen plan. Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions.

Even if you don’t purchase protection that covers existing medical conditions, or if you don’t meet the requirements for that coverage, you can still purchase travel protection; just be aware that any loss due to an existing medical condition will be excluded.

Use our online claim management tool, or use the free TravelSmart app. Once you have filed your claim, you will receive a confirmation email from us with details on the documentation we need to process your claim. You can upload documentation online, fax it to us at 804-673-1469, or mail it to:

Allianz Global Assistance
P.O. Box 71533
Richmond, VA 23255-1533

Please include your name and policy number with any documentation submitted by mail or fax.

After your claim has been submitted, you can check your claim status 24 hours a day by visiting our online claim management tool or using the TravelSmart app. You can get help filing or checking a claim anytime by calling customer service at 1-866-884-3556.

For more details on the claims process, click here.