IMPORTANT: Before purchasing a travel protection plan, please read our Coverage Alert for details on how our policy limits or excludes coverage related to COVID-19, as well as temporary, specific accommodations we are offering.

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COVID-19 FAQ's

UPDATED APRIL 9, 2020

The information in this FAQ is current as of the time of publication but is subject to change as the situation develops.   Please visit our coverage alert for the latest coverage information.  The information in this FAQ is intended to provide general information only and is not a coverage determination in any respect on any claim.  All claims are evaluated under the terms, conditions, and exclusions of the plan purchased based on the particular facts and circumstance of that claim.  The below FAQ responses address only losses incurred on or after the publication date of these FAQs. If your loss was incurred prior to that date, these responses may not apply to you or may vary. Please contact us at the number listed on your plan with any questions about your coverage or to file a claim.

FAQ's



COVID-19

  • +- I am worried about COVID-19 impacting a trip I have scheduled or plan to schedule. Should I buy an Allianz travel protection plan to cover me in case COVID-19 impacts my trip?

  • No. COVID-19 is a known and rapidly-evolving global pandemic that is impacting travel worldwide, with continued spread and impacts expected.  Our travel protection plans do not generally cover losses directly or indirectly related to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories, or fear of travel. As such, we recommend that you do NOT purchase our products to insure you against any such losses, including related to COVID-19. Please see our Coverage Alert for more details.

    Please note, in response to the public health and travel crisis that is currently occurring, for a temporary period, we are accommodating claims for the following*:

    • Under Emergency Medical Care benefit: Emergency medical care for a customer who becomes ill with COVID-19 while on their trip.
    • Under Trip Cancellation or Trip Interruption benefit: trip cancellation or trip interruption if a customer becomes ill with COVID-19 either before or during their trip.

    These accommodations apply to plans currently in effect. Please refer to our Coverage Alert before purchasing another plan.


  • +- Am I covered if I cancel or interrupt my trip due to COVID-19?

  • Travel insurance does not generally cover trip cancellations or interruptions directly or indirectly related to COVID-19.  However, in response to the public health and travel crisis that is currently occurring, for a temporary period, we are accommodating claims for trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.* This accommodation applies to plans currently in effect. Please refer to our Coverage Alert before purchasing another plan.

    We urge any customer who needs help to call us.  We are assisting customers 24/7/365 who wish to change their travel plans, need travel assistance, or would like to file a claim.  Our assistance team is ready to help all of our customers who need help while traveling, such as locating medical facilities or rebooking transportation.  You can also use our self-service options on this website. .  We review every claim based on its unique facts and circumstances and are happy to answer any questions you may have. 


  • +- Am I covered if I need emergency medical care because I become ill with COVID-19 while on my trip?

  • Travel insurance does not generally cover medical claims due to COVID-19 in most states. However, in response to the public health and travel crisis that is currently occurring, for a temporary period, we are accommodating claims for emergency medical care expenses a customer incurs due to becoming ill with COVID-19 while on their trip.* This accommodation applies to plans currently in effect. Please refer to our Coverage Alert before purchasing another plan.

    We urge any customer who has a medical issue while traveling or needs help to call us.  We are assisting customers 24/7/365 who wish to change their travel plans, need travel assistance, or would like to file a claim.  Our assistance team is ready to help all of our customers who need help while traveling, such as locating medical facilities or rebooking transportation.  You can also use our self-service options on this website. We review every claim based on its unique facts and circumstances and are happy to answer any questions you may have.


  • +- Am I covered if I cancel my travel plans because of a travel ban or other government-imposed restriction on travel related to COVID-19?

  • No, cancelling a trip because of a travel ban or other government-imposed restriction on travel directly or indirectly related to COVID-19 is generally not covered by our travel protection plans.

    However, we are happy to allow you to move your plan coverage dates to cover a new or rescheduled trip anytime within 770 days from date of initial insurance purchase.  Coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage.  There are two options to take advantage of this opportunity:

    • If you know the date of your rescheduled trip, please visit our Manage a Policy page to update the travel dates associated with your plan.
    • If you do not yet know your new travel dates, let us know by calling us at the number listed on your plan, and we can hold your plan for you to use later.  Once you know your new travel dates, please contact us to update your plan's travel dates to cover your new trip.

    Alternatively, for a temporary period, we are offering refunds for the cost of your plan if your travel supplier cancels your trip due to COVID-19, as long as no payable claim has been filed under the plan, and you do not wish to apply your plan to a future trip.*

    Other normal plan cancellation rules also apply. See your plan for details.


  • +- Am I covered if I want to cancel my travel plans because I’m afraid to travel due to COVID-19?

  • No, cancelling a trip because you’re afraid to travel due to COVID-19 is generally not covered by our travel protection plans. 

    However, if you’re concerned about traveling during this time, many airlines and other travel suppliers are allowing their customers to change the dates of their travel without change fees.  If you choose to change the dates of your trip, we’re happy to apply your plan coverage to another trip anytime within 770 days from date of initial insurance purchase (coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage).  There are two options to take advantage of this opportunity:

    • If you know the date of your rescheduled trip, please visit our Manage a Policy page to update the travel dates associated with your plan.
    • If you do not yet know your new travel dates, let us know by calling us at the number listed on your plan, and we can hold your plan for you to use later.  Once you know your new travel dates, please contact us to update your plan's travel dates to cover your new trip.

  • +- I have an upcoming trip to an area with reported cases of COVID-19. Will I be covered if I cancel my trip?

  • No, cancelling a trip because of an area being affected by COVID-19 is generally not covered by our travel protection plans.

    However, if you’re concerned about traveling during this time, many airlines and other travel suppliers are allowing their customers to change the dates of their travel without change fees.  If you choose to change the dates of your trip, we’re happy to apply your plan coverage to another trip anytime within 770 days from date of initial insurance purchase (coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage).  There are two options to take advantage of this opportunity:

    • If you know the date of your rescheduled trip, please visit our Manage a Policy page to update the travel dates associated with your plan.
    • If you do not yet know your new travel dates, let us know by calling at the number listed on your plan, and we can hold your plan for you to use later.  Once you know your new travel dates, please contact us to update your plan's travel dates to cover your new trip.

  • +- What if my travel supplier (e.g. airline, cruise line, tour operator, etc.) cancels a portion or all of my trip due to COVID-19?

  • Travel supplier cancellations due to COVID-19 are generally not covered under our travel protection plans. However, if your supplier cancels your trip, you may be eligible for a refund directly from your supplier, and we encourage you to contact them for assistance.

    In any event, we are happy to allow you to move your plan coverage dates to cover a new or rescheduled trip anytime within 770 days from date of initial insurance purchase. Coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage. There are two options to take advantage of this opportunity:

    • If you know the date of your rescheduled trip, please visit our Manage a Policy page to update the travel dates associated with your plan.
    • If you do not yet know your new travel dates, let us know by calling us at the number listed on your plan, and we can hold your plan for you to use later.  Once you know your new travel dates, please contact us to update your plan's travel dates to cover your new trip.

    Alternatively, for a temporary period, we are offering refunds for the cost of your plan if your travel supplier cancels your trip due to COVID-19, as long as no payable claim has been filed under the plan, and you do not wish to apply your plan to a future trip.*

    Other normal plan cancellation rules also apply. See your plan for details.

    To cancel your plan for one of these reasons, please call us at the number listed on your plan.


  • +- If I rebook my trip to a later date, can I apply my travel protection plan from my original trip to the rebooked trip?

  • Yes, we are happy to allow you to move your plan coverage dates to cover a new or rescheduled trip anytime within 770 days from date of initial insurance purchase.  Coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage.  There are two options to take advantage of this opportunity:

    • If you know the date of your rescheduled trip, please visit our Manage a Policy page to update the travel dates associated with your plan.
    • If you do not yet know your new travel dates, let us know by calling us at the number listed on your plan, and we can hold your plan for you to use later.  Once you know your new travel dates, please contact us to update your plan's travel dates to cover your new trip.

  • +- Can I cancel my insurance and get the cost of my plan refunded?

  • You may be eligible to cancel your plan and receive a refund of your plan cost in the following situations:

    • You generally have 15 days (or more, depending on your plan and state of residence) from the date your plan was purchased to request a refund of the cost of your plan, provided you have not started your trip or initiated a claim. Please note, plan refund rules vary by state and plan purchased, so please see your plan for details or contact us.
    • Additionally, for a temporary period, we are offering refunds for the cost of your plan if your travel supplier cancels your trip due to COVID-19, as long as no payable claim has been filed under the plan, and you do not wish to apply your plan to a future trip.*

    To cancel your plan for one of these reasons, please call us at the number listed on your plan.


  • +- Am I covered for trip cancellation due to COVID-19 if I have a Cancel Anytime plan?

  • Losses directly or indirectly resulting from COVID-19 are not generally covered under our Cancel Anytime plans. Our Cancel Anytime plans provide up to 100% reimbursement of non-refundable, pre-paid trip costs when a trip is canceled for a covered reason, and up to 80% of those costs for most other unforeseen reasons for cancellation. However, these plans do not provide “Cancel For Any Reason” coverage, and coverage under these plans is subject to terms, conditions, and exclusions. Specifically, Cancel Anytime plans generally exclude coverage for losses directly or indirectly resulting from any of the following: known, foreseeable, or expected events, epidemics, and government prohibitions, and certain other causes of loss. See your plan for details. Please note, we do not currently offer “Cancel For Any Reason” coverage.

    However, in response to the public health and travel crisis that is currently occurring, for a temporary period, we are accommodating claims for trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.* This accommodation applies to plans currently in effect. Please refer to our Coverage Alert before purchasing another plan.



* - The above-described accommodations are strictly applicable to COVID-19 and are only available to customers whose plan includes the applicable benefit. All other terms, conditions, and exclusions of the plan applies as always.  These accommodations are an explicit and limited expression of donative intent only, which is for only the limited purposes expressly specified here and for no other further purpose, express or implied.  Further, it is expressly not a guarantee of coverage or admission of legal or equitable liability.  Nothing contained or described here, nor any payment made pursuant to the position described here, is or should be construed to be a waiver of any term, condition, or exclusion of any plan, or any applicable rights, remedies, or defenses under any plan or at law or equity.  We and our applicable underwriters and reinsurers reserve all rights, remedies, and defenses under the plan and under applicable law and at equity.

Apr 09, 2020