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Travel Insurance for Domestic Vacations

family at grand canyon
Allianz - family at grand canyon

If you're planning a Caribbean honeymoon or an African safari, travel insurance is a no-brainer. You know it’s smart to have medical coverage overseas, 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 if you get sick or injured on your trip, but what about benefits for trip cancellation and trip interruption?

That's where the OneTrip Cancellation Plus Plan comes in. Our most affordable travel insurance plan, the OneTrip Cancellation Plus Plan* includes trip cancellation and trip interruption coverage, as well as travel delay coverage and 24-hour assistance services. And here’s why it can come in handy for domestic travel. (One quick note—before you start planning your trip, just make sure to check if there are any state travel restrictions in place.)

Need to add rental car protection to your trip? Get a quote for Rental Car Damage Protector.

Life throws curveballs.

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 OneTrip Cancellation Plus 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.

Weather doesn't always cooperate.

A hurricane could derail your beach vacation, or a blizzard could leave you stranded in the airport. The OneTrip Cancellation Plus 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.

Flights get delayed and cancelled.

The nice thing about plane travel is that you get to relax and let someone else take the wheel. But the downside of logistics being out of your hands? Well, it means flight delays and cancellations are also out of your control. Often, travelers can just shrug off these delays—but a travel delay can get expensive. The OneTrip Cancellation Plus Plan can provide reimbursement for additional meals and accommodations, up to $150, if your travel is delayed six or more consecutive hours for a covered reason. Note that you need to make reasonable efforts to continue your trip if you're delayed or you miss your flight.

Accidents happen while you're traveling.

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 OneTrip Cancellation Plus Plan does not include emergency medical coverage, it can cover trip interruptions caused by a covered disabling injury or illness. Keep in mind that a doctor must examine you and advise that you cancel or interrupt your trip before you actually cancel or interrupt your trip (if your traveling companion is the injured one, the same thing goes for them). If that isn’t possible, a doctor must examine you within 72 hours of your cancellation or interruption. Note that the OneTrip Cancellation Plus 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 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.

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