Missed your flight? Lost your bags? Caught a stomach bug? No problem. You don't have to worry if you're covered by the OneTrip Prime Plan, one of the best travel insurance plans for international travelers.
The OneTrip Prime Plan is like your favorite weather-proof jacket — the one you always pack in your suitcase, whatever your destination. It provides an extra layer of protection from any storm that comes your way. And it's big enough to share: The OneTrip Prime Plan covers kids 17 and under for free when traveling with a parent or grandparent. Here's an in-depth look at the OneTrip Prime Plan, as part of Allianz Global Assistance's series of travel insurance reviews.
A lot can go wrong when you're traveling, from small annoyances like losing your bag to major disasters like a medical issue. The OneTrip Prime Plan is designed to protect travelers from the most common travel mishaps. Most importantly, it includes:
The OneTrip Prime Plan also includes benefits that protect you and your possessions while you're in transit:
What differentiates the OneTrip Prime Plan from the lower-cost OneTrip Basic Plan? Let's put it this way: if the OneTrip Prime Plan is a warm and waterproof jacket, the OneTrip Basic Plan is a lightweight raincoat. It still provides some protection, just not as much.
The OneTrip Basic Plan has much lower limits for emergency medical/dental coverage and emergency medical transportation coverage. It doesn't include missed connection, change fee and frequent flyer mile redeposit fee coverage. And compared to the OneTrip Basic Plan, the OneTrip Prime Plan covers more reasons for trip cancellation or interruption.
There's one more important difference: the OneTrip Prime Plan can include benefits for financial default. This means that if your tour operator or cruise line should go under, you can be reimbursed for the trip costs you've paid.
Although the Classic plan is a good all-around choice for travel insurance, some travelers may need more coverage than it offers. If you're planning a high-dollar dream vacation, such as a safari or an extended European cruise, or if you're venturing into remote or perilous areas, you may want additional protection. The OneTrip Premier Plan doubles nearly all the post-departure benefits of the OneTrip Prime Plan, giving you up to $50,000 in emergency medical and dental coverage and $1 million in emergency medical transportation benefits.
The OneTrip Prime Plan provides robust coverage for most international trips. It's the best travel insurance for people who want peace of mind from knowing they're protected in case of common travel mishaps, such as covered injuries, illnesses and natural disasters. Read travel insurance reviews to get a sense of the problems travelers often encounter.
The OneTrip Prime Plan may be right for you if you are:
As always, read your policy documents carefully so you understand what's covered by your travel insurance plan. Need help figuring out which plan is best for your next trip? Call our travel insurance advisers at 1-866-884-3556. Safe travels!