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Travel Resources

Which Annual Travel Insurance Plan is Right for You?

woman watching colorful hot air balloons flying over the valley at Cappadocia
Allianz - woman watching colorful hot air balloons flying over the valley at Cappadocia

Multi-trip travel insurance isn’t just for jet-set influencers or wealthy retirees. It’s for anyone who enjoys travel and doesn’t enjoy stress. Sounds like you, right?

An annual (or multi-trip) travel insurance plan can protect all your trips — long or short, international or domestic, planned or spontaneous — for 365 days. These plans may be right for anyone who’s planning three or more trips in a year, because it may be cheaper (and easier) than insuring each trip separately.

Considering buying annual travel insurance in case your trips are affected by COVID-19? We are currently offering certain temporary claim accommodations if you, a traveling companion, or your family member becomes ill with COVID-19. Also, our AllTrips travel insurance plans now include the Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. (Benefits vary by plan and are not available in all jurisdictions).

To see if your plan includes this endorsement and what it covers, please look for "Epidemic Coverage Endorsement" on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply. Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.

There are annual travel insurance plans for every kind of traveler. Which sounds most like you?

Annual Travel Insurance For the Budget International Traveler: AllTrips Basic

You’re a pro at snagging cheap airfares. When you travel, you’re not looking for luxury; you’re fine sharing a room in a hostel or camping under the stars. Maybe you’re fortunate to have friends overseas, so you rarely need to book a hotel at all. You especially love visiting destinations that are off the beaten track — and so you know that having travel insurance for medical emergencies is non-negotiable.

AllTrips Basic is the plan for you. The most affordable multi-trip plan offered by Allianz Global Assistance, AllTrips Basic includes a full slate of post-departure benefits to protect you while you’re traveling. It does not protect your travel investment with trip cancellation/trip interruption benefits. Here’s what it does include:

  • Up to $20,000 in emergency medical benefits, to reimburse you for covered medical expenses in case of a covered illness or injury
  • Up to $100,000 in emergency medical transportation, in case you require a medically necessary evacuation for a covered illness or injury
  • Up to $1,000 in baggage loss/damage benefits, in case your bags get banged up, misplaced or stolen
  • Up to $200 in baggage delay benefits to reimburse you for necessary, eligible purchases when your bags are delayed
  • Up to $600 (max $200 per day) in travel delay benefits, to reimburse you for eligible meals, accommodations and other covered expenses during a covered delay
  • Up to $45,000 in rental car damage and theft coverage. This is a huge benefit for budget travelers, because rental car damage insurance can be a big expense — especially in Europe. (Rental car coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents.)
  • Up to $25,000 in travel accident benefits, which can give you payments for covered losses due to death, loss of limb(s) or sight as a result of a covered travel accident.
  • Access to 24-Hour Hotline Assistance, so you can get expert help dealing with almost any kind of travel emergency.
  • Concierge assistance to help with travel planning and arranging special experiences

Get a quote for the AllTrips Basic plan.

Annual Travel Insurance For the Spontaneous Solo Traveler: AllTrips Prime

Any time you get the opportunity to travel, you say yes. Beach house with friends? Yes! Road trip to Vegas? Yes! Invitation to a destination wedding in Provence? Oui! You’re a budget-conscious adventurer, however. If a family emergency forced you to miss that trip to France, you’d hate to lose the money you spent.

The AllTrips Prime plan is a great fit for you. It includes all the benefits (with the same max limits) as AllTrips Basic, with the addition of trip cancellation and trip interruption benefits. These two benefits can reimburse you for pre-paid, non-refundable, unused trip costs if you have to cancel your trip or cut it short for a covered reason. Be aware, however, that there’s a limit of $3,000 for trip cancellation and trip interruption per year. (All other benefits are per trip.) So if you’re planning several expensive trips in a year, you may want to upgrade to a multi-trip insurance plan with higher limits.

Get a quote for the AllTrips Prime plan.

Annual Travel Insurance For the Savvy Business Traveler: AllTrips Executive

Your job takes you to some interesting places, which suits you perfectly. But you’ve experienced your share of disasters while traveling for work, like the time someone stole the laptop from your booth at the big convention. Oh, and the time the snowstorm stranded you at O’Hare, and your company told you to just sleep on the floor. All this business-travel stress means that when you go on vacation, you really don’t want to worry about a thing.

The AllTrips Executive plan was made for you. This innovative annual travel insurance plan can protect business, pleasure and blended trips, with multiple tiers of coverage for trip cancellation/interruption up to $10,000.

Compared to AllTrips Prime, AllTrips Executive raises the maximum limits on many benefits. You get up to $50,000 in emergency medical benefits, up to $250,000 in emergency medical transportation, up to $1,600 in travel delay, and much more. You also get special benefits for business equipment: if your equipment gets lost, stolen, damaged or delayed by a common carrier, you can get up to $1,000 to replace or repair it, and up to $1,000 to rent a replacement.

Get a quote for the AllTrips Executive plan.

Annual Travel Insurance For the Global Adventurer: AllTrips Premier

You believe that travel is the best gift you can give your family — and yourself. In the past few years, you’ve been on a Serengeti safari with your children, a Himalayan trek with your spouse, and a transatlantic cruise with your sister… and you still have seventeen destinations left on your travel bucket list. Because you’re an experienced traveler, you know that peace of mind is paramount. Anything can happen when you’re far from home, and you want to be prepared.

The AllTrips Premier Plan provides the protection you need for big family trips and dream vacations. It’s the only multi-trip plan we offer that can protect your entire household. Not only that, but it offers four tiers of trip cancellation/trip interruption benefits, up to $15,000 per person, per year. 

Other benefits are also substantial:

  • Up to $50,000 in emergency medical benefits
  • Up to $500,000 in emergency medical transportation
  • Up to $2,000 in baggage loss/damage benefits
  • Up to $2,000 in baggage delay benefits
  • Up to $1,500 (max $300 per day) in travel delay benefits

Get a quote for the AllTrips Premier plan

Whichever plan you choose, the free TravelSmartTM app from Allianz Global Assistance is the perfect travel companion. TravelSmartTM lets you instantly access all the benefits of your AllTrips plan, whether you need help in a hurry or you just want to know what your plan covers.

Find out why Allianz Global Assistance is the preferred choice for more than 55 million travelers annually! Pick the annual travel insurance plan that’s the right fit for you.

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