Oct 23, 2015
Frequent Business Travelers

The Annual Executive Plan

Frequent business travelers are all too familiar with the inconvenience and expense of missed flights, lost bags and canceled trips. The Annual Executive Plan is designed to make business travel frustration-free by providing coverage for trip cancellation and interruption; emergency medical care; lost, stolen or delayed baggage; and even rental car collision/loss damage insurance.

Benefit/Coverage

Emergency Medical Transportation - $250,000
Provides medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Emergency Medical - $50,000
Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. Depending on your plan, there is a $500 or $750 maximum for all covered dental expenses.

Travel Accident Coverage - $50,000
Provides cash payment for covered losses due to death, loss of limb(s) or sight as a result of a covered travel accident.

Collision Damage Waiver - $45,000
Covers costs if a car you're renting is stolen or is damaged in an accident or while it's left unattended.

Trip Cancellation - $5,000
Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.

Trip Interruption - $5,000
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.

Travel Delay - $1,500 (Daily Limit $150)
Reimburses you to cover additional accommodation/travel expenses and lost prepaid expenses due to a covered departure delay of six or more hours.

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

Baggage Delay - $1,000
Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.

Business Equipment Coverage - $1,000
Covers the reasonable replacement or repair of business equipment that has been lost, stolen, damaged or delayed by your common carrier.

Business Equipment Rental Coverage - $1,000
Covers the reasonable costs of renting replacement business equipment if yours has been lost, stolen, damaged or delayed by your common carrier.

Change Fee Coverage - $250
Provides reimbursement for fees to change the dates on your airline ticket.

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

Existing Medical Condition - Included
Your plan may provide Existing Medical Condition Coverage if you, a traveling companion, or family member has an Existing Medical Condition. An Existing Medical Condition is an illness of injury that exhibited symptoms or was treated at any time 120 days prior to purchasing your plan. Coverage for an 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.) You purchased Trip Cancellation coverage that covers the full cost of all your non-refundable trip arrangements; 3.) You were a U.S. resident and medically able to travel on the day your purchased the plan; 4.) The total cost of your trip does not exceed the maximum cost specified by your plan. All other contract terms and conditions apply.

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.

Our Promise to You

If you're not completely satisfied, you have 10 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. Premiums are non-refundable after this period.

  • Accidental Death / You're in an accident during your trip that results in your death.
  • Attending immediate family members birth / You need to attend an immediate family members birth. The pregnancy must have occurred after the effective date of coverage and can be verified by medical records.
  • Broken Windshield / A car you're renting is damaged with a broken windshield while in an accident or while it's left unattended.
  • Business equipment delayed / You have to rent business equipment because yours is delayed by a common carrier for 12 hours or more on your outbound trip.
  • Car Jacking / You or your traveling companion is carjacked.
  • Civil Disorder or Unrest / Your travel is delayed by civil disorder or unrest.
  • Collision with Animal / A car you're renting is damaged due to a collision with an animal while in an accident or while it's left unattended.
  • Collision with an Object / A car you're renting is damaged due to a collision with an object while in an accident or while it's left unattended.
  • Collision with other vehicle / A car you're renting is damaged due to a collision with another vehicle while in an accident or while it's left unattended.
  • Common Carrier Delay / Your departure is delayed by a common carrier.
  • Company merger or acquisition / You're required to work during the time you're scheduled to travel because your employer is merging with another company or being acquired.
  • Company unsuitable for business / The place where you work is unsuitable for business because of a natural disaster, fire, flood, burglary or vandalism, and you are required to work as a result.
  • Complete cessation of services 24 hours / Complete cessation of services by your common carrier for 24 or more hours due to a strike, natural disaster, bad weather or FAA mandated shutdown.
  • Covered Travel Delay - loss of 50% / You miss more than half of the total length of your trip because your travel is delayed.
  • Damage by Vandalism / A car you're renting is damaged by vandalism while it's left unattended.
  • Damage to tire / A car you're renting has a tire damage while in an accident or while it's left unattended.
  • Damaged / Reimburses the lesser of actual cash value or the cost to repair or replace (less any salvage) if damaged.
  • Death of Family Member / A family member passes away.
  • Death of Insured / An insured traveler passes away.
  • Death of Traveling Companion / A traveling companion passes away.
  • Delayed Luggage / A common carrier, hotel, or tour operator delays your baggage for 24 hours or more.
  • Destination Inaccessible 12 hours / Your destination is inaccessible for at least twelve hours because roads are closed due to severe weather.
  • Employer Termination - 3 yrs. / You or a traveling companion is terminated or laid off from a company after your plan's effective date. You must have worked for this employer for at least 3 consecutive years.
  • Felonious Assault / You or a Traveling Companion are the victim of a felonious assault within 10 days prior to Your departure date or during Your Trip.
  • Fire / A car you're renting is damaged by fire while in an accident or while it's left unattended.
  • Foreign and Domestic Terrorism / A terrorist event happens at your destination within 30 days of the day you're scheduled to arrive.
  • Hijacking / You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking.
  • Home uninhabitable / Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.
  • Illness of Family Member / A family member has a covered illness.
  • Illness of Insured / An insured traveler has a covered illness.
  • Illness of Traveling Companion / A traveling companion has a covered illness.
  • Injury of Family Member / A family member has a covered injury.
  • Injury of Insured / An insured traveler has a covered injury.
  • Injury of Traveling Companion / A traveling companion has a covered injury.
  • Involved in a traffic accident / You or a traveling companion is in a traffic accident on the way to your point of departure and you or the traveling companion need medical attention or the car needs to be repaired because it's not safe to drive.
  • Jury/Subpoena / You are summoned by a court order or subpoena to serve on a jury or appear in court.
    Legal separation or divorceYour or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date.
  • Loss of Limb / You're in an accident during your trip that results in permanent loss of one or both of your hands.
  • Loss of Sight / You're in an accident during your trip that results in total and permanent loss of sight in one or both of your eyes.
  • Lost / Your baggage is lost while you are traveling.
  • Lost/Stolen Documents / Your passports, money or other travel documents are lost or stolen.
  • Military Obligations / You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, bas or unit mobilization, unit reassignment or disciplinary action.
  • Natural Disaster / Your travel is delayed by a natural disaster.
  • Normal Pregnancy / You become pregnant as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records (only applies to Trip Cancellation).
  • Quarantine / You or a traveling companion is quarantined.
  • Required to work during trip / You or a traveling companion are required to work during the time you're scheduled to travel.
  • Severe Storm/Route Closed / Severe weather delays your departing flight or causes road closures.
    Stolen/Recovered DamagedReimburses the lesser of actual cash value or the cost to repair or replace (less any salvage) if stolen.
  • Stolen/Unrecovered / Reimburses the lesser of actual cash value or the cost to repair or replace (less any salvage) if stolen.
  • Theft of your vehicle / Trip is cancelled or interrupted due to TCAN/TINT covered reason except financial default.
  • Unannounced Strikes / Your departure is delayed by an unannounced strike.

In addition to any other exclusions that may apply to a particular benefit, no coverage is provided for any loss that results directly or indirectly from any of the following unless as specifically included: all extreme, high risk sports including but not limited to: bodily contact sports; skydiving; hang gliding, bungee jumping, parachuting; mountain climbing or any other high altitude activities, caving, heli-skiing, extreme skiing, or any skiing outside marked trails; existing medical conditions; intentional self-harm, suicide or attempted suicide; pregnancy (unless unforeseen complications or problems), fertility treatments, childbirth or elective abortion; mental or nervous health disorders, (like anxiety, depression, neurosis or psychosis); use or abuse of alcohol or drugs, or related physical complications; war (declared or undeclared), acts of war, military duty, civil disorder or unrest; participation in or training for any professional or amateur sporting competition; flying or learning to fly an aircraft as pilot or crew; nuclear reaction, radiation or radioactive contamination; natural disasters; epidemic or pandemic; air, water or other pollution or threat of pollutant release; unlawful acts; expected or reasonably foreseeable events or problems; financial default of a travel supplier; terrorist events; travel bulletins or alerts; and government prohibition or regulations.