OneTrip Premier

If you're planning an incredible family vacation, you need travel insurance benefits to match. OneTrip Premier doubles most of the OneTrip Prime plan's post-departure benefits. With up to $75,000 in emergency medical benefits and up to $1 million in emergency transportation benefits, you know your family's protected. Trip cancellation benefits can reimburse your prepaid, non-refundable expenses — such as vacation rental costs, resort fees, and transportation costs  — if you must cancel your trip due to a covered reason. Kids 17 and under are covered free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).

OneTrip Premier also offers a fixed inconvenience payment of $100 for covered travel delays and baggage delays — no receipts required (just proof of delay). If you’re renting a car for your trip, you can upgrade your plan to include the affordable OneTrip Rental Car Protector.

Please note that OneTrip Premier is designed for trips up to 366 days. All benefits are per insured traveler unless otherwise noted.


Benefits/Coverage may vary by state, and sublimits may apply. Please see your plan for full details.

Epidemic Coverage

Adds certain epidemic-related covered reasons for Trip Cancellation/Interruption; Travel Delay; Emergency Medical Care; and Emergency Transportation benefits. For example, you may be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip because you, a travel companion, or a family member are diagnosed with an epidemic disease such as COVID-19.

Trip Cancellation

Up to $200,000

Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason. The OneTrip Premier Plan is the only plan from Allianz Global Assistance that includes a NOAA hurricane warning as a covered reason for trip cancellation. Please read your plan documents for details.

Benefit is per insured traveler.

Trip Interruption

Up to $300,000

Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason.

Benefit is per insured traveler.

Emergency Medical


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.

Benefit is per insured traveler.

Emergency Medical Transportation


Provides benefits for medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Benefit is per insured traveler.

Baggage Loss/Damage


Covers loss, damage or theft of baggage and personal effects.

Benefit is per insured traveler.

Baggage Delay


Reimburses the reasonable additional purchase of 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.) You can also opt to receive a fixed inconvenience payment of $100 after a covered baggage delay, with no receipts required (just proof of delay).

Benefit is per insured traveler.

Travel Delay

$1,600 (Daily Limit $200)

Reimburses up to $200 per day per person for additional travel and lost prepaid expenses if your trip is delayed for three 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. You may opt to receive a fixed inconvenience payment of $100 per day after a covered travel delay, with no receipts required (just proof of delay).

Benefit is per insured traveler.

Trip Change Protector


Reimburses fees or extra expenses from a carrier or supplier if you must cancel or change your airline, rail, cruise, or tour itinerary for a covered reason.

Benefit is per insured traveler.


$100 per insured person, per day (Up to the maximum no-receipts limit)

With SmartBenefits®, you can opt to receive a fixed inconvenience payment of $100 per insured person, per day, for a covered travel delay or baggage delay (up to the maximum no-receipts limit). No receipts required — just proof of a covered delay. You may receive this payment automatically if your covered travel delay occurs on a flight monitored by Allianz Global Assistance. You can submit your flight itinerary online.

24-Hr Hotline Assistance


With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle covered travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help re-book your flight and/or hotel arrangements, help with missed connections, lost/stolen travel documents, and much more.



Provides personalized information about your destination and assists you with obtaining restaurant reservations, tee times and tickets to events.

Cancel Anytime

Optional Upgrade

Reimburses 80% of your lost non-refundable trip costs if you cancel your trip for almost any unforeseeable reasons your plan does not already cover.

Benefit is per insured traveler.

OneTrip Rental Car Protector

Optional Upgrade

Don't pay more at the rental car counter. Protect yourself for just $11 per calendar day with primary collision/loss damage coverage for physical damage to a rental car.

Pre-Existing Medical Condition


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 conditions 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.

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Apr 10, 2019