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
Buy one plan. Get protection for every eligible trip in the next 365 days. It’s that simple.
True to its name, an AllTrips annual travel insurance plan can protect all your trips: spontaneous or planned, long or short, business or pleasure, international or domestic. Here’s everything you need to know about getting the most from multi-trip insurance.
Older travelers: Here’s a secret many travelers don’t realize: Annual travel insurance is an especially good deal for people 65 and up. That’s because, unlike single-trip insurance plans, the cost of multi-trip plans is not affected by the traveler’s age. A 71-year-old traveler will pay the same as a 41-year-old traveler.
> Read more: What Factors Affect the Cost of Travel Insurance?
Business travelers: Your friends think your on-the-go life is glamorous. You know the truth: business travel is a grind. The AllTrips Executive plan helps you bounce back when things go wrong by reimbursing your expenses for covered travel delays, misplaced luggage, and even lost or damaged business equipment.
Spontaneous travelers: People with flexible schedules can score savings on last-minute cruises and hotel stays. But travel deals like these often have strict cancellation policies, making travel insurance all the more important. A multi-trip plan automatically protects your trip as soon as you book it.
Road trippers: Because road trips tend to have few pre-paid expenses, people don’t bother to insure them. But travel delays, trip interruptions and medical emergencies can still wreck your plans — what then? An annual travel insurance plan protects you from those unexpected speed bumps.
Budget travelers: If you’re careful with your travel spending, then an AllTrips plan is a must. The expense is minimal, especially if you’re planning several trips. And travel insurance can protect you from unexpected expenses when you’re dealing with a medical emergency, lost bag, travel delay or other mishap.
Parents and grandparents: Did you know you can give an AllTrips plan as a gift? If your child or grandchild is an avid traveler, an annual insurance plan will accompany them everywhere they go, helping them when things don’t go as planned. You’ll enjoy more peace of mind, too.
Every AllTrips plan includes the following benefits:
Some AllTrips plans also include:
Allianz Global Assistance offers four annual travel insurance plans. All of them include our award-winning 24-Hour Assistance services, which can help you find solutions to tough travel problems.
AllTrips Basic is the most economical multi-trip plan offered by Allianz Global Assistance. It includes post-departure benefits to protect you in case of baggage loss/damage/theft, travel delays, covered medical emergencies and more. It does not protect your travel investment with trip cancellation/trip interruption benefits.
AllTrips Prime includes all the benefits (with the same maximum limits) as AllTrips Basic, with the addition of trip cancellation and trip interruption benefits. There’s a limit of $3,000 for trip cancellation and trip interruption per person, per year.
AllTrips Executive can protect business, pleasure and blended trips, with multiple tiers of coverage for trip cancellation and interruption up to $10,000. If your business equipment is lost, stolen, damaged or delayed by an airline or other carriers, this plan can reimburse reasonable costs for equipment rental, replacement and/or repair.
AllTrips Premier can protect your entire household while you’re traveling. It offers four tiers of trip cancellation/trip interruption benefits, up to $15,000 per person, per year.
> Read more: Which Annual Travel Insurance Plan is Right for You?
It’s wise to look ahead at your travel plans to make sure your trips will be protected. Your AllTrips plan takes effect at 12:01 a.m. on the day after we receive both your order and full premium payment (or on a future date you choose at the time of purchase). It ends at 11:59 p.m. local time on your coverage end date, unless you are on a trip. If you are on a trip, your coverage will end on the day you arrive at your point of origin or primary residence, or seven days after the coverage end date, whichever is earlier.
This is key! Each benefit in your AllTrips plan has a maximum dollar limit, depending on which plan you choose. For example, AllTrips Prime has a maximum limit of $20,000 in emergency medical benefits per insured person, per trip. So, if you incur $20,000 in emergency medical costs from a car accident while in Romania, and then another $20,000 in emergency medical costs from a hippopotamus attack on a trip to Botswana (bad luck!), both claims could be covered.
Trip cancellation/interruption is different: The maximum limit applies per person, per year. AllTrips Prime’s maximum trip cancellation benefit is $3,000. So, if you file a claim for $2,000 after canceling your Jamaican vacation, you only have $1,000 left to cover any other trip cancellations for the duration of your plan. Keep your total trip costs in mind when you’re choosing a plan.
We define a pre-existing medical condition as injury, illness, or medical condition that, within the 120 days prior to and including the policy purchase date:
With an AllTrips plan, you can be covered for losses due to a pre-existing medical condition if you were a U.S. resident when the policy was purchased and:
a. The trip was purchased during the coverage period; or
b. Your policy was purchased within 14 days of the date of the first trip payment or deposit.
Please read your plan documents for details.
While there’s no limit on how many trips you take, most of our AllTrips plans have a 45-day limit on trip length. If you’re planning a longer journey, consider AllTrips Premier, a multi-trip plan that can protect trips up to 90 days, or OneTrip Emergency Medical, a low-cost single-trip plan that can protect trips up to 180 days in length. Also, travel insurance plans do not cover travel with the intent to receive health care or medical treatment of any kind, moving, or commuting to and from work.
If your family is taking multiple trips together in the next 12 months, AllTrips Premier may be your best choice, because it can cover your entire household. But if you’re planning only one big family vacation, then you might opt for the single-trip OneTrip Prime or OneTrip Premier plan. Both cover kids 17 and under for free when they’re traveling with a parent or grandparent.
Travel insurance can do a lot, but it can’t cover every possible situation. Take some time to read your annual plan documents so you understand which situations, events, and losses can be covered, and which aren’t.
> Read more: Travel Insurance 101: How Travel Insurance Works
TravelSmart, available for iOS and Android, helps you contact Assistance, file a claim, get travel alerts and flight updates, find pre-screened medical facilities and more.