If you're planning a Caribbean honeymoon or an African safari, travel insurance is a no-brainer. You know you need medical coverage, and you can't risk losing your travel investment if something goes wrong. But what about trips within the United States? These trips are usually less expensive, and you're typically covered by your own medical insurance but what about trip cancellation and trip interruption coverage?
That's why Allianz Travel Insurance created the Essential Plan. Our most affordable travel insurance plan, the Essential Plan* includes trip cancellation and trip interruption coverage, as well as travel delay coverage and 24-hour assistance services. Here's why you need basic travel insurance for domestic travel.
You've planned every detail of your family's long-awaited vacation to Disney World, and then you get laid off. Or your daughter gets pneumonia. Or you are directly involved in a car accident on the way to the airport. Even the best-planned trips may have to be cancelled last minute because of unforeseen circumstances. The Essential travel insurance plan can provide reimbursement for non-refundable trip payments and deposits in case of trip cancellation. Reasons include the covered serious illness or injury of a family member or travel companion, as well as employer termination, military obligations and jury duty.
A hurricane could derail your beach vacation, or a blizzard could leave you stranded in the airport. The Essential Plan can cover trip cancellation and interruptions in case your airline or travel supplier stops offering services where you're departing, arriving, or making a connection due to bad weather.
About 24% of flights were delayed in January 2017.1 Thousands of flights are cancelled each month. Often, travelers can just shrug off these delays -- but a travel interruption can get expensive. The Essential Plan can provide reimbursement for additional meals and accommodations, up to $150, if your travel is delayed 6 or more consecutive hours. Note that you need to make reasonable efforts to continue your trip if you're delayed or you miss your flight.
When you're on vacation, you're living life to the fullest: swimming, hiking, golfing and playing tennis. What if you lunge for the ball, or slip on the trail, and break your ankle? While the affordable Essential Plan does not include emergency medical coverage, it can cover trip interruptions caused by a covered disabling injury or illness. A doctor must examine you or a traveling companion and advise you or a traveling companion to cancel or interrupt your trip before you cancel or interrupt it. If that isn?t possible, a doctor must examine you within 72 hours of your cancellation or interruption. Note that the Essential Plan does not cover any loss that results from participation in high-risk activities, such as skydiving, caving, extreme skiing or mountain climbing.
Planning a trip? Protect yourself against trip cancellations and trip interruptions with innovative trip insurance products by Allianz Travel Insurance. Get a quote.
*Terms, conditions, and exclusions apply. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on the insured's state of residence. AGA Service Company is the licensed producer and administrator of these plans.