Adds certain epidemic-related covered reasons for Trip Cancellation/Interruption; Emergency Medical Care; and Emergency Transportation. For example, you may be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip because you, a travel companion, or a family member are diagnosed with an epidemic disease such as COVID-19.

Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.

Benefit is per insured traveler.

Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason.

Benefit is per insured traveler.

Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. There is a $500 maximum for all covered dental expenses.

Benefit is per insured traveler.

Provides benefits for medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Benefit is per insured traveler.

Covers loss, damage or theft of baggage and personal effects.

Benefit is per insured traveler.

Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.

Benefit is per insured traveler.

Provides reimbursement for eligible, additional accommodation/travel expenses and lost prepaid expenses due to a covered departure delay of six or more hours.

Benefit is per insured traveler.

With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.

Your plan may provide pre-existing medical conditions coverage if you, a traveling companion, or family member has a pre-existing medical condition. We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 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 conditions 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.

Coverage for a pre-existing medical condition is excluded unless:

1. You purchased your plan within 14 days of making your first trip payment or first trip deposit;
2. On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. (If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.);
3. You are a U.S. resident;
4. You were medically able to travel on the day you purchased the plan.

All other contract terms and conditions apply.