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Our Most Popular Plan

OneTrip Prime Plan

Formerly the Classic Plan

Sudden illness? Delayed Bags? Canceled flight? No problem. Enjoy perfect peace of mind when you're protected with OneTrip Prime. Our most popular choice for vacation coverage, OneTrip Prime includes key benefits like trip cancellation/interruption, emergency medical and emergency transportation. Pre-existing medical condition coverage is available. Kids 17 and under are covered for free when traveling with a parent or grandparent.

OneTrip Prime now includes more covered reasons for trip cancellation and trip interruption, and adds a fixed inconvenience payment of $100 for covered travel delays and baggage delays — no receipts required (just proof of delay). Please note that OneTrip Prime is designed for trips up to 180 days, with an additional charge of $5 for each day over 30 days.


Emergency Transportation - $500,000
Provides medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Emergency Medical - $25,000
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.

Trip Interruption - Up to 150% of trip costs
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.

Trip Cancellation - Up to 100% of trip costs
Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.

Travel Delay - $800 (Daily Limit $200)
Reimburses up to $200 per day per person for additional travel and lost prepaid expenses if your trip is delayed for five or more hours for a covered reason. Can also reimburse 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).

Baggage Loss/Damage - $1,000
Covers loss, damage or theft of baggage and personal effects.

Baggage Delay - $300
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 may opt to receive a fixed inconvenience payment of $100 after a covered baggage delay, with no receipts required (just proof of delay).

Change Fee Coverage - $500
Provides reimbursement for fees to change the dates on your airline or rail ticket for a covered reason.

Loyalty Program Redeposit Fee Coverage - $500
Coverage for frequent flyer mile redeposit fees in the event of a covered trip cancellation.

24-Hr Hotline Assistance Plus - Included
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.

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 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.

May 03, 2018