Feb 05, 2016
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Travel Resources

Travel Insurance 101 Round-Up

What We Talk About, When We Talk About …

There are an infinite amount of questions here at Allianz Global Assistance about a lot of things related to coverage. Let’s break down some of the most misunderstood topics around travel insurance and, perhaps, give you some clarity as you seek peace of mind for your upcoming trip.

Hurricanes

Weather can often wreak havoc on travel plans. At Allianz Global Assistance, we understand this. We also can’t control Mother Nature. No one can. During hurricane season, the chance of your late summer honeymoon in St. Thomas being ruined by a hurricane is, fortunately, slim to none.

That said, given that there IS a chance, you should know how a hurricane can affect your travel insurance coverage. Read: When a Hurricane Hits, What Does Travel Insurance Cover? »

Car Rental Insurance

Did you know that Allianz Global Assistance can insure your rental car? We sure can. How many times have you signed this or that liability form at the rental car office before driving away not even knowing, 1) what you signed, 2) what’s covered if you get into an accident, or 3) who to call if something DOES happen. At Allianz Global Assistance, we make it pretty simple with our Rental Car Damage Protector (which costs just $9 per day). It’s coverage we provide to make your driving experience less stressful.

For an explanation on the types of rental car insurance that are generally provided, Read: The Four Types of Rental Car Insurance, Explained »

Insurance from Your Cruise Line

Cruise

You’re booking a Caribbean Cruise on the Caribbean Queen (cue Billy Ocean song) and the cruise line offers you the option to buy their insurance plan. Why not? Insurance is a good idea. OK, we’re biased. But, it is! Did you know though that a cruise line’s insurance plans are inferior to a third party insurer’s plan like one offered by Allianz Global Assistance? Not only are the benefits modest, but there are more restrictions.

Before you buy that cruise line’s plan, know what you’re buying. Read: Cruise Line’s Insurance Vs. Allianz Global Assistance Insurance »

Terrorism

Although terrorism abroad, especially in most major cities, is rare, it does happen and it will happen again. The recent attacks in Paris were yet another wake up call to the world that we all must remain vigilant, especially when traveling abroad. Fear of traveling after an attack is not covered by Allianz Travel Insurance though. Know what’s covered when you think about canceling or you find yourself in a terror situation in a foreign country.

We want to make sure first and foremost that you are safe wherever you are. Read: Does Travel Insurance Cover Terrorism? »

Trip Cancellation and Trip Delay

The airport. Why do we dread a flight delay or even worse…a cancellation!? The inevitable is inevitable. Every scheduled flight has a potential weather pattern or mechanical issue ready to make a mess of our travel plans. But fear no more Allianz Global Assistance is here to save you! Well, sort of? Allianz Global Assistance can reimburse for covered trip delays and a good majority of insurance claims we pay are trip cancellation related.

Know what we do cover and when it’s covered.  Knowledge is power, right?  Read: How to Use Your Trip Delay Benefit and When to Cancel »

Existing Medical Conditions

Relax. We offer products where IF you insured the full cost of your trip within 14 days of paying you first deposit, and you’re medically able to travel when you do so, you can be covered! That’s pretty clear, but there seems to always be confusion over the terms, so we’ll try to make it clear for you. We want to help. We want to give you the confidence to travel without worry.

In these situations, it’s perfectly normal to be concerned. Read: When Does Travel Insurance Cover Existing Medical Conditions? »

As with all our plans, we advise you to read your policy thoroughly to understand what you may or may not be covered for. Stay safe.