General Travel Insurance Questions
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.
Travel insurance can provide benefits for a number of situations associated with a cancelled or interrupted trip, including:
Trip Cancellation Protection
Trip Interruption Protection
Emergency Medical Transportation
Emergency Medical / Dental Coverage
Lost / Stolen / Delayed Baggage Coverage
Travel Delay Coverage
Missed Connection Coverage
Rental Car Damage Protection
For definitions of these terms, please click here.
Not all plans include each benefit listed here. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.
Ideally, to make sure you're eligible for existing medical conditions coverage and supplier financial default protection, you must purchase your travel insurance within 14 days of making your original trip deposit unless otherwise specified in your particular plan. Coverage limits may vary based upon your chosen plan, however, you can still buy a policy up until the day before you leave on your trip.
Not necessarily. You should check these policies before you travel to assess exactly how or if 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.
Additionally, travel insurance can provide you with a wide range of assistance benefits, even if you're traveling halfway around the world. You can find out more about these benefits in the question below.
Non-refundable costs include your trip deposits/payments that would be lost if you had to cancel for a covered reason 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.
In most cases, yes. Trip cancellation coverage gives cash back for prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. 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. 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.
Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakbrook Terrace, IL), 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.
For fastest service, you can cancel your policy online by selecting "Manage Your Policy" from the top left menu on our homepage. 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. You can also watch a video demonstrating this process by clicking here.
Please visit our homepage and provide us with some information about your trip to get an immediate, free quote. From there, you can choose which of our plans provides the appropriate amount of coverage for your travel needs and simply click "Buy It Now"!
You can request an additional copy of your policy documents be sent via email by clicking on the "Manage Your Policy" icon located on the left side of our homepage, or by clicking here. You can also watch a video demonstrating this process by clicking here.
Yes. For fastest service, you can modify your policy online by selecting "Manage Your Policy" icon located on the left side of our homepage, or by clicking here. You can also watch a video demonstrating this process by clicking here.
Please contact us, and choose 'Technical issue with the website' from the dropdown menu of subjects. From there, let us know which page you were on and what the error was (e.g. the page did not load properly, you received an error message, etc?)
Simply visit our homepage and select "File a Claim" from the top left menu, or click here to go there directly. Once you have filed your claim, you will receive a confirmation email from us, as well as a required documentation checklist.
You can also watch a video demonstrating this process by clicking here.
You can check the status of your claim at any time by clicking on the "Claim Status" icon located on the left side of our homepage, or by clicking here.
You can also watch a video demonstrating this process by clicking here.
Once we receive your claim form and all the required supporting documentation, we will immediately begin our review. Please allow up to 10 days for us to complete this process.
All required documents and information can be found on your online claim filing confirmation page. You can also download and submit these forms by visiting the File a Claim page. Click here to watch a video demonstrating how to navigate to this information.
You can upload your completed forms by logging into the Claim Status page. To watch a video demonstrating this process along with where to find documentation you've already uploaded, click here.
If you prefer, you can mail or fax your completed forms to:
Allianz Global Assistance
Attn: Travel Claims Dept.
P.O. Box 72031
Richmond, VA 23255-2031
Fax: (804) 673-1469
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.
Terms, conditions and exclusions apply. Please see your Certificate of Insurance/Policy for full details.
Yes. On select products, we offer existing medical condition coverage. In order to have existing medical conditions covered, generally the following criteria must be met:
1) You must be a US resident who is medically able to travel on the date you purchase your plan
2) You must purchase trip cancellation coverage that covers the full cost of all your non-refundable trip arrangements.
3) Your plan must be purchased within 14 days of your original trip deposit or initial payment date unless otherwise specified in your particular plan.
Coverage limits may vary based upon your chosen plan. Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions.
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, conditions and exclusions. 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:
1) You purchased a plan with Trip Cancellation or Interruption coverage within 14 days of paying your initial trip payment or deposit.
2) The financial default occurs more than seven days after the policy's effective date.
3) You use a travel supplier (other than the organization from which you purchased this insurance or their affiliate companies) listed as a covered supplier at the time of insurance purchase.
A list of these covered suppliers can be found by clicking here.