Travel insurance doesn’t just cover you. It also provides coverage if you need to cancel or return home if something covered happens to your:

• Traveling companion

• Children

• Spouse

• Parents

• Other family members

Credit card coverage for trip cancellation and interruption is highly limited compared to travel insurance.

• Credit card coverages vary. You would have to find your credit card agreement to determine if your card carries any cancellation coverage. 

• Credit cards usually only reimburse for death, injury or illness of the insured or a family member, or for supplier default.

Credit cards may not reimburse consumers in cases of travel delay.

Credit cards may not automatically cover medical emergencies, and usually don’t cover emergency medical transportation and evacuation.

Travel insurance is only a small percentage of your total vacation cost.

If you need to cancel, could you afford to re-book?

If you have to get home in an emergency, do you have the funds?

Traditional domestic health insurance plans

• Limit coverage for out-of-country medical expenses to emergency-related costs.

• Have high deductibles and co-pays for emergency treatment abroad.

• Don’t cover out-of-country emergency medical transportation.

Medicare

• Medicare won’t pay for health care and supplies you receive outside the U.S. in most situations.

• Medicare cannot cover prescription drugs purchased outside the U.S.

You can call 24-Hour Hotline Assistance anytime to reach a team of multilingual specialists who can help you with many types of travel problems, from reporting lost baggage to finding emergency medical providers. They can also help you replace passports, refer you to legal assistance, secure cash from home in case of emergency, and may be able to guarantee payment when you need to be admitted to a hospital, if you have a covered medical emergency while traveling.

Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. Examples of covered reasons may include: sudden covered medical emergencies; the birth of a family member’s child; the death of a travel companion or family member; financial default of a covered airline, cruise line or tour operator; legal separation or divorce; or jury duty. Some reasons for cancellation aren’t covered, such as changing your mind about taking a trip or other things not named in your Certificate of Insurance/Policy.

If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the cancellation. Not all plans include trip cancellation benefits. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.

“Cancel for any reason” insurance is not available for purchase online. If you are interested in this type of travel insurance, please talk to us about your options.

When you purchase your plan, we’ll email you your plan documents. You can obtain an additional copy by visiting our online plan management tool. For full mobile access to your plan, download the free TravelSmart app.

That depends on your budget, your destination and your specific situation. When you’re traveling overseas, we recommend a plan that includes emergency medical and emergency medical transportation benefits. To protect your trip investment, look for a plan with trip cancellation and trip interruption benefits.

Your travel insurance benefits do not cover pets. However, we include service animals (as defined by the Americans with Disabilities Act) in our definition of “family members,” so any benefits that apply to family members would also apply to service animals. Emotional support animals or therapy animals are not considered service animals by the ADA.

Travel insurance from Allianz Global Assistance does not cover losses resulting from normal pregnancy or childbirth, except as expressly covered under Trip Cancellation Coverage. Specifically, if you find out that you are pregnant after purchasing your travel insurance plan, that can be considered a covered reason for trip cancellation.

While normal pregnancy and childbirth are not covered, unforeseen pregnancy complications may be a covered reason for trip cancellation or interruption. The medical condition you’re experiencing must be disabling enough to make a reasonable person cancel their trip, and a doctor must advise you to cancel it. If your plan includes emergency medical benefits, your insurance may reimburse you for the cost of emergency medical care that you received for those covered complications while traveling.

You can call Allianz Global Assistance collect when traveling abroad. The easiest way to reach us is to download the free TravelSmart app. Or, simply dial 0170 to reach an international operator. Say the number you wish to call, and you’ll be connected:

1-866-884-3556 for customer service
1-804-281-5700 for 24-Hour Hotline Assistance outside the U.S.
Within the United States, Canada, Puerto Rico and the U.S. Virgin Islands, call toll free:

1-800-654-1908 for 24-Hour Hotline Assistance

Use our online claim management tool, or use the free TravelSmart app. Once you have filed your claim, you will receive a confirmation email from us with details on the documentation we need to process your claim. You can upload documentation online, fax it to us at 804-673-1469, or mail it to:

Allianz Global Assistance
P.O. Box 71533
Richmond, VA 23255-1533

Please include your name and policy number with any documentation submitted by mail or fax.

After your claim has been submitted, you can check your claim status 24 hours a day by visiting our online claim management tool or using the TravelSmart app. You can get help filing or checking a claim anytime by calling customer service at 1-866-884-3556.

For more details on the claims process, click here.

All required documents and information can be found on the confirmation page after you submit your online claim. You can also access this information in our documentation checklist. If you have questions about the documents you need to submit, please call us at 1-866-884-3556.

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including your plan purchase date:

1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
2. Presented symptoms; or
3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.