Jan 27, 2017
Our Most Affordable Plan

The Essential Plan

Our most affordable travel insurance plan, the Essential Plan includes the 3 key protections you need: trip cancellation, trip interruption and trip delay coverage. If a covered emergency arises that forces you to cancel or interrupt your plans, your trip investment is protected.


Trip Cancellation - Up to amount purchased
Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.

Trip Interruption - Up to amount purchased
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 - $150 (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.

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.

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.

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.

Rental Car Damage Protector
Don't pay more at the rental car counter. Protect yourself for just $9 per day with primary collision/loss damage coverage for physical damage to a rental car. Learn more about car rental insurance from Allianz Global Assistance.

  • Civil Disorder or Unrest / Your travel is delayed by civil disorder or unrest.
  • Common Carrier Delay / Your departure is delayed by a common carrier.
  • Complete cessation of services / Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you're departing, arriving or making a connection because of a natural disaster, severe weather, or a strike.
  • Covered Travel Delay - loss of 50% / You miss more than half of the total length of your trip because your travel is delayed.
  • 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.
  • 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.
  • 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.
  • 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.
  • Quarantine / You or a traveling companion is quarantined.
  • 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: 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; participating in extreme, high risk sports; 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.