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Allianz Travel Insurance: What You Need to Know

Allianz Travel Insurance coverage is supplied by Allianz International Help, an insurer that operates in 35 nations and serves 40 million prospects within the U.S. The corporate affords a number of various kinds of journey insurance coverage relying in your wants.

When planning a visit, it might be necessary to take into account journey insurance coverage to assist defend you if surprising occasions have an effect on your trip. Whether or not you’re on the lookout for a complete plan or emergency medical protection solely to complement the journey insurance coverage you’ve out of your bank cards, Allianz International Help affords loads of choices to select from. We’ll consider journey insurance coverage supplied by Allianz International Help to assist you to resolve if they’re best for you.

Coronavirus concerns

Due to coronavirus-related journey bans, Allianz is at present promoting insurance coverage for journeys after June 1, 2020, solely. Moreover, the plans could not cowl all losses sustained from COVID-19 as a result of it has a common exclusion for epidemics and journey advisories. It is necessary to hold this in thoughts, as not all insurers will cowl losses associated to coronavirus.

NerdWallet Information to COVID-19

Get solutions about stimulus checks, debt aid, altering journey insurance policies and managing your funds.

What plans does Allianz Travel Insurance coverage supply?

Allianz affords a number of totally different journey insurance coverage choices relying on whether or not you are on the lookout for a single or annual/multi-trip plan.

Allianz Travel Insurance coverage: Single Journey Plans

Single journey plans are designed for people who’re leaving their residence, visiting one other vacation spot (or locations) and returning residence. Allianz International Help has 5 journey insurance coverage for single journeys, together with a plan that’s primarily targeted on emergency medical protection.

OneTrip Cancellation Plus

OneTrip Emergency Medical

Emergency Medical Transportation

Loyalty Program Redeposit Payment Protection

24-Hr. Hotline Help

Rental Automotive Harm Protector

Pre-Present Medical Situation

The OneTrip Cancellation Plus plan is geared towards home vacationers who’re on the lookout for journey cancellation, interruption and delay protection however do not want post-departure advantages like emergency medical or baggage loss. This plan is Allianz’s most reasonably priced choice.

OneTrip Fundamental, Prime and Premier are three complete journey insurance coverage.

  • OneTrip Fundamental is essentially the most economical plan and affords journey cancellation, interruption and delay advantages together with emergency medical and baggage loss.

  • OneTrip Prime gives all the advantages of the Fundamental plan however with increased limits, a number of additional protection areas and complimentary protection for kids 17 and below when touring with a guardian or grandparent.

  • OneTrip Premier affords essentially the most protection, doubling virtually each post-departure restrict of the Prime plan with extra coated cancellation causes.

Should you do not want pre-departure journey cancellation and interruption protections or you have already got protection by a premium journey bank card, the standalone OneTrip Emergency Medical plan could also be a good selection. The plan primarily gives emergency medical protections together with some baggage loss/delay advantages.

Allianz single journey plan price

Now that you understand in regards to the plans, let’s take into account the price of an Allianz journey insurance coverage coverage for a one-week, $1,500 trip to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the costliest plan and gives the very best stage of safety, particularly for emergency medical occasions. Nevertheless, for those who’re OK with decrease limits on emergency medical, a OneTrip Prime or Fundamental plan might be a extra acceptable selection. These prices characterize a variety of three.4%-7.5% of the entire price of the journey, which is in keeping with typical prices, in accordance to the U.S. Travel Insurance coverage Affiliation (4%-8%).

Allianz Travel Insurance coverage: Annual/Multi-trip Plans

These plans are designed for individuals who like to take a number of little journeys all year long in addition to for enterprise vacationers. Allianz International Help affords 4 totally different annual/multi-trip plans.

$5,000 / $7,500 / $10,000 *

$2,000 / $5,000 / $10,000 / $15,000 *

$5,000 / $7,500 / $10,000 *

$2,000 / $5,000 / $10,000 / $15,000 *

Emergency Medical Transportation

Enterprise Gear Protection

Enterprise Gear Rental Protection

Loyalty Program Redeposit Payment Protection

24-Hr. Hotline Help

Rental Automotive Harm & Theft

Pre-Present Medical Situation

AllTrips Fundamental is appropriate for individuals who would love emergency medical protection whereas overseas however do not want journey cancellation and interruption advantages. The AllTrips Prime, Government and Premier plans present a whole 12 months of complete journey insurance coverage advantages.

The Government and Premier plans supply numerous ranges of journey cancellation and interruption advantages. The Government plan is particularly designed for enterprise vacationers because it affords safety for enterprise tools.

Allianz annual/multi-trip plans price

Let’s take a look at an instance of an annual Allianz journey insurance coverage plan that begins in July 2020 for a 50-year-old from Illinois.

Protection below these plans is obtainable for journeys up to 45 days in size.

The AllTrips Government plan prices considerably greater than the opposite plans; that is primarily due to increased journey cancellation protection, emergency medical and enterprise tools protections. The Government protection quantity for journey cancellation might be elevated past what’s quoted right here, driving that plan’s value up to as a lot as $785.

Should you’re not involved with pre-trip cancellation advantages and don’t want the elevated stage of medical protection, the Fundamental plan is essentially the most reasonably priced choice.

For journeys longer than 45 days, the AllTrips Premier plan may be a more sensible choice because it affords protection for up to 90 days. Utilizing the identical search parameters however with 90 days of protection per journey, the price of the annual plan is $475.

Which Allianz journey insurance coverage plan is greatest for me?

Choosing the proper plan on your journey entails understanding what sort of protection you will have when you’ll be overseas.

  • If in case you have a premium journey card (e.g., the Chase Sapphire Reserve®) that already gives you with a adequate stage of journey cancellation protection, getting the OneTrip Medical plan may be sufficient.

  • If the protection supplied by your card isn’t enough, you don’t have bank card protection otherwise you didn’t pay on your journey with that bank card, then you definately may be higher off with a complete plan just like the OneTrip Fundamental, Prime or Premier.

  • Should you’ll be happening a number of and longer journeys, the AllTrips Premier plan may be greatest because it gives insurance coverage advantages for journeys up to 90 days in size.

  • The remaining three annual AllTrips plans cowl a number of journeys, up to 45 days.

How to select an Allianz plan on-line

You might be ready to view all plans or see plans categorized by single journey, annual/multi-trip and a rental automobile add-on choice. When you’ve selected the plan you need, select the “Get a Quote” choice.

You might be required to enter the related journey particulars earlier than you possibly can see which plans can be found to you in your state.

What isn’t coated

Travel insurance coverage have a number of exclusions that you simply want to listen to so you understand precisely what sort of protection you’re getting. Listed here are some common exclusions you possibly can count on:

Excessive-risk actions: Skydiving, bungee leaping, heli-skiing, and different varieties of high-risk sporting actions that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and legal exercise.

Particularly designated occasions: Epidemics, pure disasters and conflict are particularly talked about within the coverage as exclusions.

It is necessary to notice that exclusions could fluctuate primarily based on the coverage and the place you reside, so it is at all times greatest to evaluation the tremendous print to make sure you’re clear about what’s and isn’t coated.

The underside line

Earlier than happening a visit, it is a good suggestion to evaluation totally different journey insurance coverage choices to ensure you’re protected in case of an emergency whereas overseas. It doesn’t matter what sort of traveler you’re, Allianz International Help affords numerous journey insurance coverage to select from.

How to Maximize Your Rewards

You need a journey bank card that prioritizes what’s necessary to you. Listed here are our picks for the greatest journey bank cards of 2020, together with these greatest for:

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