When our customers speak, we listen. We heard travelers ask for simplified claims filing, improved travel delay and baggage delay benefits, more covered reasons for trip cancellation and streamlined existing medical condition coverage. And we said, “Sure!”
Allianz Global Assistance just introduced some big changes to two plans: OneTrip Prime (formerly the Classic Plan) and OneTrip Premier (formerly Classic with Trip Plus). Here’s an overview of what we changed in these plans:
When travel hiccups like cancelled flights and mislaid bags mess up your vacation, you deserve some recompense. Now, travel insurance can give you a fixed payment of $100 for covered travel delays and baggage delays. No receipts for purchases are required; all you need is proof of your covered delay.
If you purchase the One Trip Prime or One Trip Premier Plan, you can receive $100 per day for a covered travel delay or $100 for a covered baggage delay. You may not even have to file a claim; if your covered travel delay is on a flight monitored by Allianz Global Assistance, we can automatically file and pay the claim on your behalf.
If your losses are greater than $100 — if, for instance, you have to get a hotel for two nights because a winter storm grounds all flights — then you may file a claim, with receipts, up to the maximum limit stated in your plan (no more than $200 per day).
Previously, a covered travel delay meant your trip was delayed six or more consecutive hours for a covered reason. Now, it’s just five hours, if you purchase the One Trip Prime Plan; or three hours, for the One Trip Premier Plan.
And previously, the baggage delay benefit only kicked in if your baggage was delayed by an airline, cruise line or other travel service provider, hotel or tour operator for 24 hours or more. We cut that to 12 hours.
Covered reasons are certain situations and events that, when they occur, mean you may be eligible to make a claim. Allianz Global Assistance is already known for giving customers a broad range of covered reasons for trip cancellation and trip interruption — and now we’re adding even more.
If you have to change the dates on your airline or train ticket for a covered reason, travel insurance with the change fees benefit can reimburse you for the fees charged by the airline or railway. The maximum limit was $250; now, it’s $500.
Same for the Loyalty Program Redeposit Fee benefit: If you have to re-deposit points in your frequent traveler program because your trip is canceled for a covered reason, then travel insurance can reimburse you for any fees charged for re-depositing your points or miles. The maximum limit for this benefit is now $500 as well.
At Allianz Global Assistance, we believe that having an existing medical condition shouldn’t prevent you from enjoying the reassurance and protection of travel insurance. Previously, it was possible for travelers to lose their pre-existing condition coverage if their trip costs exceeded the original purchase limit. Now, your trip cost is not a qualifier for pre-existing medical conditions coverage — but each policy will have a maximum limit for pre-existing medical condition coverage (up to $50,000 for OneTrip Prime and up to $75,000 for OneTrip Premier).
When purchasing a plan that can cover you for losses due to a pre-existing medical condition, the requirements are:
On the policy purchase date, you must insure 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 policy purchase date and the departure date. (If you incur additional non-refundable trip expenses after you purchase this policy, 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.)