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Post Departure

OneTrip Emergency Medical

Formerly the Travelers Protection Plan

OneTrip Emergency Medical is flexible and affordable travel insurance for international and domestic travelers that includes only post-departure benefits. This means you get emergency medical and emergency transportation benefits, as well as benefits for travel delays, missed connections and lost/stolen or damaged baggage. Designed for travelers with few prepaid expenses, this low-cost plan does not include trip cancellation or trip interruption benefits.


Emergency Transportation - Up to $250,000
Provides benefits for medically necessary transportation hospital or appropriate facility following a covered illness or injury during your trip.

Emergency Medical - Up to $50,000
Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. There is a $750 maximum for all covered dental expenses.

Baggage Loss/Damage - Up to $2,000
Covers loss, damage or theft of baggage and personal effects.

Baggage Delay - Up to $750
Reimburses the reasonable additional purchase of eligible essential items during your trip if your baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.

Travel Delay - Up to $1,000
Reimburses up to $200 per day per person for additional travel and lost prepaid expenses if your trip is delayed for six or more hours for a covered reason. Can also reimburse eligible additional transportation expenses if you miss your cruise or tour because of a covered delay.

Travel Accident - Up to $10,000
Pays benefits for losses when you, as a result of an accidental injury occurring during the covered trip, sustain a covered loss of life, sight, hands or feet.

24-Hr Hotline Assistance - Included
With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.

Pre-Existing Medical Condition - Available
Your plan may provide pre-existing medical conditions coverage if you, a traveling companion, or family member has a pre-existing medical condition. We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 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.

Coverage for a pre-existing medical condition is excluded unless:

  1. You purchased your plan within 14 days of making your first trip payment or first trip deposit;
  2. On the policy 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 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.)
  3. You are a U.S. resident;
  4. You were medically able to travel on the day you purchased the plan.

All other contract terms and conditions apply.

May 03, 2018