Travel Insurance  –
When Should I Purchase It?

It’s time to start planning your upcoming vacation. You’ve been thinking about what to see and do, shopping around for the best flights, researching the trending spots and now it is time to book your flights, hotel, and tours, to make your vacation a reality.  

The most expensive part of your vacation will be the flights for you and your travel companions. Airfares take the largest bite out of your budget and next would be hotels. Protecting your travel investment is a smart idea and the best way to cover any unforeseen events which could cancel or delay your vacation. Your best defense against travel ups and downs is travel insurance. 

There are three areas where mishaps in your travel plans could cause concerns and reck your budget. When I travel I always bring along Allianz Travel Insurance as my travel buddy. They take all the worry out of my trip, so I can have all the fun.

 

The three main reasons for travel insurance: 

 

Trip cancellation – Unexpected situations do occur and usually happen without much notice. Airlines, cruises lines, and hotels can have very strict cancelation policies. Refunds can be prorated and based on the number of days before departure when your cancellation occurs. Travel insurance helps you sort through getting assistance with coverage and reimbursement, depending on the reason for your cancellation and the policy you chose.

 Trip delay – Airline delays are a frequent occurrence and depending on the time of year you’re traveling delays can be almost certain. Add an airline delay to your cruise plans and you’re singing a sad song. Cruise Lines don’t wait… that’s the truth. If there is a delay, you’ll want to have the option of being compensated and have solutions for the “what’s next” steps of meeting your cruise at the next port.

Medical Emergencies – No one plans to get ill or hurt at home, and certainly not on vacation when your focus is all about having fun and checking out the sights. But, accidents do happen and when you’re far away from home medical emergencies can feel completely out of your control and have you wondering, “where is a reputable doctor, who should I call, how can I get home?” All questions and concerns handled by travel insurance. For me, this is one of the main reasons to have insurance, especially for adventurous trips where outdoor activities may place me in more situations where accidents may happen. If there is an emergency – you’ll want to have a plan to get you to medical care….. quickly.

Another great reason for travel insurance is –

Loss luggage – the two words no one wants to hear together. Protect yourself with coverage which includes damaged and theft benefits along with loss protection. If you are packing expensive and easily damage gear for your outdoor adventures, such as bikes, skis, surfboards or tents, you will want to make sure they are protected and with enough coverage to recover and/or replace your items. 

When checking your options for coverage, keep in mind travel insurance does not cover losses from high-risk sports and activities. Read your policy very carefully and ask questions to ensure the type of vacation you are planning will be covered by the policy you are considering.

Allianz Travel Insurance can take the worry out of how much insurance is enough insurance. With their new customized benefits program, you can buy your insurance at the time of booking your vacation. Their new program is a game-changer for helping us sort out how much insurance is enough insurance for what your vacation plans. Their program follows the Five C’s.

Customized Benefits for Your Trip

Allianz Travel Insurance plans offered through their travel partners, such as airlines and cruises, provides the best options for you and your vacation based on key factors like your destination, trip length, costs and number of passengers, plus more. When you book with their travel partners all of this information is taken into consideration and customized benefits plans is recommended to protect your vacation and your investment…. After all your vacation is an investment.

Cost-Effective Primary Concerns 

“Your flight is delayed!” No one wants to hear those words, but it happens all too often. Delayed flights can have a ripple effect, causing you to miss part of your vacation and in some cases having to catch-up with your scheduled cruise or tour.

 When you purchase an Allianz Travel Insurance plan through their travel providers, the most cost-effective, most appropriate benefits and limits are suggested to protect your vacation investment. It’s a way of ensuring you only pay for what you need. Or, you might say, you only pay for your primary concerns.  

Coverage on Award Flights

When you have worked all year to accumulate, save and plan for using your flight awards, you don’t want to have it all disappear because of an unforeseen circumstance. Allianz Global Assistance partners with most major airlines to offer flat-rate plans that cost only $16-28 per award flight. Protect what you have worked hard to achieve and let Allianz do the worrying while you have all the fun.

Convenience Saves You Times 

Several travelers have said one of the drawbacks of purchasing travel insurance is the hassle and time it takes to research, and find the right coverage. When you book your travel with one of Allianz travel partners your plan is customized, saving you both time and money in a stress-free manner. No worries, just booking, planning and having fun.  

Claim Now, Compare Later

The one advantage of purchasing your customized insurance plan when booking is the money-savings. However, if you need to check and see what else is out there, you can certainly do that. And, if you’re not completely satisfied, you have a 10-day review period (or more days, depending on your state of residence) to request a refund, as long as you have not started your trip or initiated a claim.  

Protecting your trip has never been easier. Allianz is your travel buddy, let them do all of the customizing, preparing a plan and they’ll take all of the worries out of your vacation, so all you do is have the fun.

For more information about Allianz Travel Insurance and their various options and travel partners, visit their website, www.allianztravelinsurance.com

This is a paid ad based on a partnership with Travel Bags With Annita and Allianz Travel Insurance.