General Travel Insurance Questions
Just as you have home or car insurance, travel insurance is no different, protecting the investment you make in travel plans. Travel insurance protects your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason.
Travel insurance covers a number of reasons associated with a cancelled or interrupted trip, including:
Emergency Medical Transportation
Emergency Medical / Dental Coverage
Collision/Loss Damage for Rental Cars
Lost or Stolen Baggage
Vehicle Return Benefit
To view a full list of covered reasons, please refer to your Certificate of Insurance / Policy.
You can buy travel insurance up until the day before you leave on your trip. If you want coverage for pre-existing conditions, and/or supplier default, make sure you buy travel protection within 7 - 14 days of paying your initial deposit for the trip.
Not necessarily. You should check these policies before you
travel to assess just how 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.
Non-refundable costs include the all your trip deposits/payments
that would be forfeited due to cancellation 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.
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.
No. Trip cancellation coverage refunds prepaid, nonrefundable payments if you have to cancel your
trip for one of the reasons covered by your policy. Covered reasons include the
following: sudden medical emergencies, financial default of a covered airline, cruise line or tour operator, bad weather,
terrorist incidents, and jury duty. Changing your mind about taking a trip or
having certain business obligations are not covered. If you cancel your trip
for a covered reason, you must notify your travel supplier(s) within 72 hours
of the cancellation.
We make filing claims easy. File a claim online simply by selecting "File a Claim" from the homepage. You will receive a confirmation email, as well as a required documentation checklist. Additionally, you can check the status of your claim at any time by clicking on the "Claim Status" icon or link on our homepage.
You can check the status of your claim at any time by clicking on the "Claim Status" icon or link on our homepage.
The insurance coverage you get when you purchase travel
protection from Allianz Global Assistance is provided under Form No. 52.401 or
52.201 issued by BCS Insurance Company or Form No. 101-C-XX-01 or 101-P-XX-01
issued by Jefferson Insurance Company. BCS Insurance Company is rated
"A-"(Excellent), and Jefferson Insurance Company is rated
"A" (Excellent) by A.M. Best Co. Your insurance comes with certain
limitations and exclusions.
Existing Medical Condition Coverage Questions
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.
Yes. On select products, we offer existing medical condition
coverage. In order to have the existing medical condition covered, you must
meet the following criteria:
you must purchase your plan within 14 days of making your first
trip payment or first trip deposit.
you must purchase trip cancellation coverage that covers the
full cost of all your non-refundable trip arrangements.
you must be a U.S. resident and be medically able to travel on
the day you purchase the plan, and
the total cost of your trip is $50,000 or less. ($50,000 is for
Deluxe only. The amount should correspond to what is currently listed for each
Please also note that you may still be covered for losses caused
by other reasons other than those related to an existing medical condition. See
the Certificate of Insurance / Policy for details.
Covered Suppliers Questions
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.
Please review your plan's terms and conditions. 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:
purchased a plan with Trip Cancellation or Interruption coverage within 14 days of
paying your initial trip deposit.
financial default occurs more than seven days after the Policy effective date.
financial default results in a complete cessation of services of named supplier
on the "Covered Supplier List" at the time your policy was purchased.
not purchase your insurance from the defaulting airline, cruise line, tour
operator or their affiliates.