Allianz - Travel
Travel Resources

5 Ways Travel Insurance Can Help You Breathe Easier on Domestic Trips

road trip to monument valley
Allianz - road trip to monument valley

International vacations are nice, but sometimes there’s nothing like taking in the stateside sites. You’d almost certainly consider buying travel insurance if you were going to another country, but did you know that it can also be a smart investment if you’re traveling in the U.S.? Take a look at a few of the ways travel protection can help you breathe easier on domestic trips:

You can be protected if your trip is unexpectedly cancelled or interrupted.

You’re all packed for your week-long stay at the beach, where you’ve rented a house with a spectacular view of the water and plenty of amenities. But a few days before you’re scheduled to leave, you trip coming down the stairs. After a flash of searing pain, you realize you can’t stand on your ankle. You immediately go to the doctor, who delivers this not-so-welcome news: a.) it’s badly broken, and b.) she recommends staying off of it completely—and she definitely doesn’t want you traveling anywhere right now. Which is bad news for your beach vacay.

Luckily you were smart enough to get travel protection. You have OneTrip Cancellation Plus, which can provide reimbursement for non-refundable trip payments and deposits in case you have to cancel or interrupt your trip for a covered reason—like serious illness or injury, inclement weather, jury duty, employer termination, or military obligations, to name a few. And even better, it’s one of our most affordable travel insurance plans.

Check out a few more scenarios where OneTrip Cancellation Plus can help when you’re traveling domestically.

You can lessen the pain of lost luggage.

You’re headed to a friend’s wedding across the country. Your checked luggage has your (very carefully packed) attire for the ceremony, so you’re anxious to grab your suitcase at the baggage carousel. After a few rotations with no suitcase in site, you start to get nervous. Finally, after everyone else has grabbed their bags and you’re left staring at an empty carousel, you realize that your bag may be officially lost. You talk to a nice representative, but your bags are nowhere to be found. Now what? 

If you have a travel insurance plan like OneTrip Basic, you can breathe a little easier knowing you have protection if your baggage is lost, damaged, or stolen—up to $500. And if a delayed bag means you’re stranded without essentials like toiletries, you can reimbursed for emergency purchases up to $200 (just make sure to save your receipts).

You can get automatic claim payments for covered flight delays.

It’s been years since you’ve seen your college roommate, and you can’t wait to reconnect during a long weekend at a quaint little vineyard. It’s just a two-hour flight to your destination, so you only packed a few magazines in your carry-on. You gave yourself plenty of time to drive to the airport and get through security, and now all you have to do is kick back in the terminal and wait for your plane to arrive. But wait a second—it looks like your flight is delayed. First it’s just 30 minutes, but then it’s an hour. Then it’s two hours. Finally, a representative at the airline announces that you’re looking at a seven-hour delay.

Long delays aren’t fun, especially if you’ve only packed enough in your carry-on for a short wait at the airport. But if you have a OneTrip Prime plan, that means you have SmartBenefitsSM, which can give you an automatic payment of $100 if you have a qualifying flight delay—and that can help you with delay-related expenses like meals or hotels.

The really great thing about SmartBenefits is that they’re easy to use: when you buy your travel protection, just tell us your flight numbers so we can monitor for delays. Once we detect your qualifying delay, we’ll send you an email or text to let you know you’re eligible for the automatic $100 claim payment. Choose how you want to receive your money—by a mailed check, direct deposit, or straight to your debit card. That’s it!

You can save some green on rental car insurance.  

You’re taking a road trip to see family on the other side of the country. You don’t want to put wear and tear—not to mention more miles—on your personal vehicle, so you’ve decided to rent a car. But now you’re wondering what happens if you get into a fender-bender with your rental. If you use your personal insurance, your rates could skyrocket, which you definitely don’t want. You could also buy insurance from the rental car agency, but it seems a little pricy.

Happily, there’s another option: Rental Car Damage Protector, which gives you primary coverage for covered collision, loss, and damage to your rental vehicle—up to $40,000. You also get access to 24/7 assistance in case anything goes wrong on the road. More good news? It’s an affordable option at $9 per calendar day. Learn more about what rental car insurance covers, and hit the road with more confidence.

You can get 24-Hour Assistance for all kinds of travel issues.

Camping is your passion—to you, there’s nothing better than sleeping under the stars. In fact, you head to the great outdoors so often that you decided to get an annual travel insurance plan, because you know it protects you any time you take a trip over 100 miles from home. And it’s a good thing you did, because on one particular camping trip, you lose your footing on a path and end up twisting your ankle. It definitely hurts, but you’re not sure if it’s serious enough for an ambulance—but you’d better decide soon because it’s getting dark. That’s when you remember that your annual plan comes with 24-Hour Assistance, which means you can get emergency travel help anytime. You call the hotline and get one of our assistance experts, who gets in touch with the ranger station and arranges to have someone come out to check on you. Our team member stays on the phone with you until the ranger arrives, and reminds you they can help you locate a nearby hospital if needed.

All of our travel insurance plans come with 24-Hour Assistance, but if you frequently take trips more than 100 miles from home (including by car), learn why annual plans may be a great investment.

Staying closer to home doesn’t mean you can’t go protected. Take a look at our plans and find the travel protection that’s right for you.

Related Articles


Jul 07, 2020