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Travel Insurance Reviews: The OneTrip Prime Plan vs. OneTrip Premier Plan

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The OneTrip Premier Plan is, quite simply, the best travel insurance plan offered by Allianz Global Assistance. But it may not be the best travel insurance plan for every traveler.

You might not need $50,000 in emergency medical coverage, for instance, or $1 million in emergency medical transportation. It all depends on your destination, your health and your unique needs. Here are in-depth travel insurance reviews for both OneTrip Premier and OneTrip Prime so you can compare and choose the right one.

Benefit comparison for the OneTrip Prime Plan vs. OneTrip Premier Plan

Here's the upshot: Both plans give you robust coverage for all crucial travel eventualities, including trip interruption and cancellation, travel and baggage delays, emergency medical and dental coverage and emergency medical transportation. In general, the OneTrip Premier Plan doubles the coverage of the OneTrip Prime Plan for most post-departure benefits.

Benefit

What it Does

OneTrip Prime

OneTrip Premier

Trip cancellation protection Reimburses non-refundable trip payments when you have to cancel your trip for a covered reason Up to amount purchased ($100,000 maximum) Up to amount purchased ($100,000 maximum)
Trip interruption protection Reimburses non-refundable trip payments when you have to interrupt your trip for a covered reason Up to 150% of amount purchased Up to 150% of amount purchased
Emergency medical and dental coverage Reimburses covered losses due to covered medical/dental emergencies Up to $25,000 Up to $50,000
Emergency medical transportation benefits Covers medically necessary transportation to a medical facility and/or your home following a covered injury or illness Up to $500,000 Up to $1,000,000
Baggage coverage  Reimburses you if your bags get damaged, lost or stolen Up to $1,000 Up to $2,000
Baggage delay coverage Reimburses you for essential purchases if your luggage is delayed at least 24 hours Up to $300 Up to $600
Travel delay coverage Reimburses you for reasonable meals, accommodations and lost prepaid expenses if your trip is delayed at least six hours Up to $800 ($200 daily limit) Up to $1,600 ($200 daily limit)
Change fee coverage Reimburses you for airline fees if you need to change the date of your flight Up to $500 Up to $500
Loyalty program redeposit fee coverage Reimburses you for the fees associated with redepositing airline miles or points Up to $500 Up to $500

The biggest difference, as you can see, is in the level of coverage for medical emergencies. Both plans cover you for financial default, in case your tour operator or cruise line goes out of business. Both also include access to a 24-hour hotline you can call for assistance anywhere in the world.

How do you know which plan is the best travel insurance for you?

If the OneTrip Prime Plan is a cozy weather-proof jacket, the OneTrip Premier Plan is a coat warm enough for an Arctic expedition. Which one should you take on your next trip? Here are four things to consider.

  • Who's traveling with you? Both plans work well for families traveling overseas, because they cover children aged 17 and under at no additional cost. But you may want the increased protection of the OneTrip Premier Plan if you're traveling with multiple children. If you're touring Europe with three teenaged granddaughters, for example, you need all the peace of mind — and lost luggage protection— you can get.
  • Where are you going? Here's a good rule of thumb: the more remote your destination, the more expensive emergency medical care will be. If you're traveling to Norway and Sweden, chances are you'll have easy access to high-quality medical care. If you're visiting Lord Howe Island — a jewel off the Australian coast — the nearest major hospital is a long, expensive flight away.1
  • What are you doing on your trip? While medical emergencies are impossible to predict, it's safe to say that you'll be more prone to injuries on a vacation spent hiking and biking than shopping and sunbathing. Active travelers may want to invest in the increased protection of the OneTrip Premier Plan. Please note, however, that all travel insurance plans from Allianz Global Assistance exclude losses related to extreme sports and other high-risk activities.
  • Are you in good health? Both OneTrip Prime and OneTrip Premier Plans include coverage for existing medical conditions at no additional cost, as long as you meet certain requirements. For instance, you must insure the full cost of your trip within 14 days of paying your first trip deposit, and you must be medically able to travel when you do so. If you suffer from a medical condition that could potentially require emergency care, you may want higher coverage amounts.

Whichever plan you choose, you know you're well protected. Both the OneTrip Prime and OneTrip Premier Plan are highly rated in travel insurance reviews. On InsureMyTrip, 98 percent of customers said they'd recommend the OneTrip Prime Plan to a friend; 100 percent said they'd recommend the OneTrip Premier Plan.2

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!

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