June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
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For many Americans, travel feels especially unpredictable right now. High costs, outbreaks of illness, and political upheaval are just some of the risks travelers have to contend with.
That’s why it’s so, so important to have travel insurance. Travel insurance can’t stop bad things from happening, or ensure your trip goes off without a hitch. But a reliable plan can protect you and your family from common travel concerns, giving you peace of mind.
If you’re traveling soon, don’t wait to buy insurance. Get a quote now.
In 2026, the price of a summer vacation soared. Domestic airfare increased by about 15% between June 1 and September 20, while international fares rose by about 12%.1 And using airline points won’t help much—the cost of points fares rose even more than cash fares. Travelers who chose to drive instead of fly didn’t catch much of a break, with national gas prices reaching a four-year high by Memorial Day.
Nearly eight in ten American travelers (79%) are concerned about rising travel costs, according to the 2026 Allianz Partners’ Global Travel Confidence Index.
They’re not giving up on summer vacation. However, 49% are scaling back their travel plans, while 59% are cutting back on other non-essential expenses so they can afford their trips, Allianz Partners found. On average, Americans travelers planned to spend $2,665 per person for summer vacation.
When you’re spending a lot on travel, losing that money to a last-minute cancellation really hurts. That’s why travel insurance with trip cancellation benefits is so important. It can reimburse up to 100% of your pre-paid, non-refundable trip expenses (such as airfare, cruise fare, hotels, vacation rentals, and tours) if you have to cancel your trip for a covered reason.
Covered reasons are the specific situations and circumstances listed in your plan documents. If you want extra protection for trip cancellations that may not be covered, you can get the Cancel Anytime upgrade. This can reimburse 80% of your lost non-refundable trip costs if you cancel your trip for almost any unforeseeable reason your plan does not already cover. You can cancel as late as the day of departure, as long as you haven’t already left on your trip. Cancel Anytime is available as an upgrade to our most popular plans, OneTrip Prime and OneTrip Premier.
Getting sick or hurt while traveling overseas is a worry for 31% of U.S. travelers, according to a recent survey.2 They’re right to be concerned—not only about the health risks, but the costs.
In most cases, providers overseas do not accept U.S. health insurance plans. Instead, they require payment up front. Also, most U.S. health insurance plans will not pay for medical evacuations/transportation, or repatriation to the United States following a medical emergency. Depending on where you are in the world and the severity of your medical condition, your out-of-pocket expenses may cost tens or even hundreds of thousands of dollars.3
If you’re heading overseas, always protect yourself with travel insurance that includes emergency medical and dental benefits to reimburse the cost of covered emergency medical care. Emergency transportation benefits can cover medical evacuation and/or repatriation costs up to $1 million, depending on the plan you choose. Last but not least, our 24-hour assistance team can help manage your care, serving as interpreters and even arranging to fly a family member to your bedside, if necessary.
That’s the beauty and the risk of travel: You just never know what might happen. Many people say civil unrest and terrorism are their biggest 2026 travel fears, Travel + Leisure reports.4 Not only that, but most travelers believe international travel will be more dangerous or more unpredictable in 2026, compared to pre-2020 travel.
Does this mean everyone should just stay home this summer? No. Does it mean you have to be smart about where and how you travel? Yes.
“Extreme weather and geopolitical instability are reshaping travel decisions, with many Americans factoring climate risks into destination choices, and adjusting destinations due to border restrictions, geopolitical tensions, and growing safety and security concerns,” the 2026 Global Travel Confidence Index found.5
Before you travel, check the U.S. Department of State Travel Advisories for your destination. Don’t just scan the map—read the details, so you understand what’s going on in the country you’re visiting. If an advisory says U.S. citizens should not travel to a certain country right now, you should follow that advice.
Also, download the free Allyz® app, one of the best apps for managing travel safety concerns. Get alerts for your destination, access local emergency services and medical providers, contact 24-hour assistance, and more.
Travelers often want to know: Does travel insurance cover civil unrest or terrorism? Insurance can help in some situations, but not in others.
In general, Allianz Travel Insurance excludes coverage for civil disorder or unrest, except in the situations that are specifically described in your plan. If civil disorder causes a travel delay or makes you miss at least 50% of your trip, for example, that may be a covered reason for a trip delay or trip interruption claim. If the disorder escalates to become political risk (as defined in your plan), then related losses will not be covered. Read your plan for details.
What about terrorism? Allianz Travel Insurance also excludes coverage for terrorism, except in the situations that are specifically described in your plan. A terrorist event may be a covered reason for trip cancellation, trip interruption, or trip delay, but only in the circumstances described in your plan.
Always read your plan documents carefully so you understand what can and can’t be covered. Questions? We’re here to help. Contact Allianz Partners.
While some countries are adopting mobile or digital passports, you still need the physical document for international travel. That’s why a lost or stolen passport (or wallet) is a common travel fear for many people.
Travel insurance can protect some situations related to stolen or lost passports, but not everything.
For instance, we can’t issue you a new passport, pay for your passport, or arrange for you to travel internationally without a passport. Travel insurance can’t reimburse you for a canceled trip if you can’t go because you don’t have a passport, or because your passport is lost or expired.
We can, however, help with covered travel delays and travel interruptions caused by a lost or stolen passport. We can also help you change your travel arrangements and get a new passport as quickly as possible. Learn more about how travel insurance can help with a lost or stolen passport.
What about a stolen wallet? Cash, credit cards, gift cards, and similar items in your wallet are excluded from baggage loss/theft coverage. However, we can help you deal with the theft so you can continue your trip.
Contact 24-hour assistance by phone or with the Allyz® app. Your assistance coordinator can help you file a police report (with interpreter services, if needed) and arrange to get emergency funds wired to you from a friend or family member.
Learn more about how travel insurance can help when you’re the victim of a crime.
View all of our travel insurance products
Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.
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