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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Because Allianz Partners protects millions of American travelers ever year, we’ve seen just about every kind of travel nightmare you can imagine. That’s why we recommend travel protection for every trip, whether it’s a short getaway or an epic adventure.
However, we understand that when your budget’s tight, you wonder if insurance is really worth the cost. Here are the types of trips and destinations for which travel insurance is a must.
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Yes. Cruise insurance is essential. One, most cruise lines have extremely strict cancellation policies. Penalties can be high even when you cancel months in advance, and you may get $0 back for a last-minute cruise cancellation. A solid cruise travel insurance plan can reimburse those nonrefundable trip costs when you cancel for a covered reason.
Two, medical emergencies aboard a cruise ship are expensive. Onboard infirmaries can handle minor illnesses and injuries. But you’ll have to pay the bill yourself, unless you have travel insurance with emergency medical benefits.
If you suffer a major medical emergency, such as a heart attack, stroke or serious injury, you’ll be evacuated—most likely by helicopter—to the nearest hospital. Guess who’s paying for that medical evacuation? Not the cruise line… If you don’t have travel insurance with emergency transportation benefits, you may get hit with a bill for several thousand dollars or even $100,000+, in some circumstances.1 That’s why it’s always worth buying cruise insurance.
Yes. Travel insurance is a must for active travelers, whether you’re cycling, hiking, kayaking, or camping.
You might think, “I’m an experienced backcountry camper—why do I need travel insurance?” Imagine you’re somewhere in the middle of Denali National Park’s 6 million acres when you break your leg in a fall. Even if you’re able to contact emergency services for help, the nearest hospital is several hours from the park entrance. Travel insurance with emergency medical transportation benefits can be a lifesaver if you need a medical evacuation for a covered illness or injury.
Just make sure you understand the exclusions listed in your travel insurance plan. Your plan does not cover losses that result from participating in extreme, high-risk sports like:
You’re also not covered for losses that that result from participating in or training for any professional or amateur sporting competition. So if your idea of a good time is competing in the Barkley Marathons, the annual, 100-mile run in the mountains of Tennessee that’s known as the most brutal race on earth, travel insurance can’t reimburse emergency medical costs if you get hurt.
Yes. Travel insurance is a must for trips to wild, remote, and less developed areas. That’s because a serious medical emergency may require medical evacuation via helicopter, which can be a crushing expense if you don’t have travel insurance with emergency medical benefits. The 24-hour assistance benefit included with every Allianz Travel Insurance plan means you always have access to a team of travel experts who can help arrange your evacuation and monitor your care.
Examples of remote destinations where travel insurance is a must:
Yes. When you’re planning a vacation that’s a big splurge—we’re talking about something that’s been on your travel bucket list for a decade, or a multigenerational trip—travel insurance is absolutely a must. That’s because you need trip cancellation/trip interruption benefits to protect your travel investment. Ask yourself: “Could I easily afford to lose the money I’ve spent on this trip, if a last-minute emergency forces me to cancel?” If the answer is no, buy travel insurance.
Travel insurance with trip cancellation benefits can reimburse your prepaid, non-refundable trip expenses if you must cancel your trip for a covered reason. Covered reasons vary according to the plan you purchase, but may include things like the serious covered illness or injury of the insured traveler, a family member or traveling companion; your destination being uninhabitable; job loss, etc.
Our best travel insurance plan for dream vacations is OneTrip Premier, with high limits for every benefit and more reasons for trip cancellation.
Yes. It’s wise to protect your trip investment, as many resorts and vacation rental companies have strict cancellation policies. Travel insurance is especially important if you’re traveling during hurricane season.
While the Atlantic hurricane season officially lasts from June 1 through November 30, its peak is from August through October. That’s when 87% of minor hurricanes and 96% of major hurricanes occur, according to the National Oceanic & Atmospheric Administration.2 If you’re planning a vacation in that time frame to a destination known to be at risk of getting hit by a hurricane, such as the Outer Banks of North Carolina, Gulf Coast beaches, Florida or the Caribbean, then you absolutely should protect your trip with travel insurance.
If your trip is cancelled or cut short by severe weather, travel insurance from Allianz Partners can reimburse you for lost, prepaid trip expenses, plus the extra cost of traveling home early. If your journey home is delayed, travel insurance can reimburse you for the cost of a hotel room, meals or other essentials. Read your plan documents for the full details on what’s covered. Just be aware that if you wait to buy travel insurance until after a storm is named, your plan won't provide coverage for storm-related losses. To be safe, buy travel insurance right after you book your trip.
Only for stays longer than 90 days, in the 29 countries in the Schengen area of Europe. The required travel insurance must include a minimum of €30K of coverage, with coverage for emergency medical care, medical repatriation, and coverage for expenses related to the traveler’s death.2
Even for shorter stays, it’s always smart to buy travel insurance for Europe to cover travel delays, interruptions and cancellations; baggage mishaps; medical emergencies; and more. Our most popular travel insurance plan for Europe is OneTrip Prime, which includes all these benefits and can cover kids 17 and under for free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).
That depends on where you’re going. Some countries do require visitors to prove they have travel insurance as a condition of entry. Sometimes the cost of that insurance is included in a visa fee or tourist fee, and sometimes you have to buy it on your own.
Here’s a list of certain countries where travel insurance is required for entry. But rules change often, so it’s always wise to check the U.S. Department of State’s page for the country you’re visiting before you go. For more information on travel requirements and entry restrictions for international destinations, check our interactive map. (Content is provided by Sherpa, an affiliated third party).
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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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