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Travel Insurance is key!


AllianzTravelInsurance.com

Covered Reasons for Travel Insurance!

OneTrip – Protect your next journey with single-trip travel insurance. For an international trip, consider plans that include emergency medical and emergency medical transportation benefits. To protect your financial investment in travel, choose a plan with trip cancellation/interruption benefits.

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

– Attending immediate family members birth
You need to attend an immediate family members birth. The pregnancy must have occurred after the effective date of coverage and can be verified by medical records.

– Complete cessation of services
Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing, arriving or making a connection because of a natural disaster, severe weather, or a strike.

– Complete cessation of services 24 hours
Complete cessation of services by your common carrier for 24 or more hours due to a strike, natural disaster, bad weather or FAA mandated shutdown.

– Covered Travel Delay – loss of 50%
You miss more than half of the total length of your trip because your travel is delayed.

– Death of Family Member
A family member passes away.

– Death of Insured
An insured traveler passes away.

– Death of Traveling Companion
A traveling companion passes away.

– Destination uninhabitable
Your destination is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Employer Termination – 1 yr.
You or a traveling companion, after having been with the same employer for at least 12 continuous months, are terminated/laid off through no fault of your own, after your effective date of coverage.

– Employer Termination – 3 yrs.
You or a traveling companion is terminated or laid off from a company after your plan’s effective date. You must have worked for this employer for at least 3 consecutive years.

– Felonious Assault
You or a Traveling Companion are the victim of a felonious assault within 10 days prior to Your departure date or during Your Trip.

– Financial Default
Your tour operator, airline or cruise line, ceases operation due to a financial default.

– Foreign and Domestic Terrorism
A terrorist event happens at your destination within 30 days of the day you’re scheduled to arrive.

– Hijacking
You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking

– Home uninhabitable
Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Illness of Family Member
A family member has a covered illness.

– Illness of Insured
An insured traveler has a covered illness.

– Illness of Traveling Companion
A traveling companion has a covered illness.

– Injury of Family Member
A family member has a covered injury.

– Injury of Insured
An insured traveler has a covered injury.

– Injury of Traveling Companion
A traveling companion has a covered injury.

– Involved in a traffic accident
You or a traveling companion is in a traffic accident on the way to your point of departure and you or the traveling companion need medical attention or the car needs to be repaired because it’s not safe to drive.

– Jury/Subpoena
You are summoned by a court order or subpoena to serve on a jury or appear in court.

– Legal separation or divorce
Your or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date.

– Loss of accommodations abroad
Family or friends outside the United States can’t accommodate you as planned because someone in the household has died or been diagnosed with a serious illness or injury.

– Military Obligations
You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, bas or unit mobilization, unit reassignment or disciplinary action.

– Normal Pregnancy
You become pregnant as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records (only applies to Trip Cancellation).

– Quarantine
You or a traveling companion is quarantined.


 

– Trip Interruption
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.

– Complete cessation of services
Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing, arriving or making a connection because of a natural disaster, severe weather, or a strike.

– Complete cessation of services 24 hours
Complete cessation of services by your common carrier for 24 or more hours due to a strike, natural disaster, bad weather or FAA mandated shutdown.

– Covered Travel Delay – loss of 50%
You miss more than half of the total length of your trip because your travel is delayed.

– Death of Family Member
A family member passes away.

– Death of Insured
An insured traveler passes away.

– Death of Traveling Companion
A traveling companion passes away.

– Destination uninhabitable
Your destination is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Employer Termination – 1 yr.
You or a traveling companion, after having been with the same employer for at least 12 continuous months, are terminated/laid off through no fault of your own, after your effective date of coverage.

– Employer Termination – 3 yrs.
You or a traveling companion is terminated or laid off from a company after your plan’s effective date. You must have worked for this employer for at least 3 consecutive years.

– Felonious Assault
You or a Traveling Companion are the victim of a felonious assault within 10 days prior to Your departure date or during Your Trip.

– Financial Default
Your tour operator, airline or cruise line, ceases operation due to a financial default.

– Foreign and Domestic Terrorism
A terrorist event happens at your destination within 30 days of the day you’re scheduled to arrive.

– Hijacking
You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking

– Home uninhabitable
Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Illness of Family Member
A family member has a covered illness.

– Illness of Insured
An insured traveler has a covered illness.

– Illness of Traveling Companion
A traveling companion has a covered illness.

– Injury of Family Member
A family member has a covered injury.

– Injury of Insured
An insured traveler has a covered injury.

– Injury of Traveling Companion
A traveling companion has a covered injury.

– Involved in a traffic accident
You or a traveling companion is in a traffic accident on the way to your point of departure and you or the traveling companion need medical attention or the car needs to be repaired because it’s not safe to drive.

– Jury/Subpoena
You are summoned by a court order or subpoena to serve on a jury or appear in court.

– Loss of accommodations abroad
Family or friends outside the United States can’t accommodate you as planned because someone in the household has died or been diagnosed with a serious illness or injury.

– Military Obligations
You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, base or unit mobilization, unit reassignment or disciplinary action.

– Quarantine
You or a traveling companion is quarantined.


 

– Emergency Medical/Dental Coverage
Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. Depending on your plan, there is a $500 or $750 maximum for all covered dental expenses.

– Illness of Insured
An insured traveler has a covered illness.

– Injury of Insured
An insured traveler has a covered injury.

– Emergency Medical Transportation
Provides medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

– Death of Insured
An insured traveler passes away.

– Illness of Insured
An insured traveler has a covered illness.

– Injury of Insured
An insured traveler has a covered injury.

– Baggage Loss/Damage
Covers loss, damage or theft of baggage and personal effects.

– Damaged
Reimburses the lesser of actual cash value or the cost to repair or replace (less any salvage) if damaged.

– Damaged by common carrier
Your business equipment is damaged by a common carrier.

– Lost
Your baggage is lost while you’re traveling

– Lost by common carrier
Your business equipment is lost by a common carrier.

– Stolen/Recovered Damaged
Reimburses the lesser of actual cash value or the cost to repair or replace (less any salvage) if stolen.

– Stolen/Unrecovered
Reimburses the lesser of actual cash value or the cost to repair or replace (less any salvage) if stolen.

– Baggage Delay
Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.

– Delayed Luggage
A common carrier, hotel, or tour operator delays your baggage for 24 hours or more.

– Travel Delay
Reimburses you for additional expenses due to a covered delay of six hours or more. Some plans may also cover lost prepaid trip expenses due to covered travel delay, depending on the product and state. Please see your insuring agreement to verify whether your insurance plan includes this coverage.

– Civil Disorder or Unrest
Your travel is delayed by civil disorder or unrest.

– Common Carrier Delay
Your departure is delayed by a common carrier.

– Hijacking
You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking

– Lost/Stolen Documents
Your passports, money or other travel documents are lost or stolen.

– Natural Disaster
Your travel is delayed by a natural disaster.

– Quarantine
You or a traveling companion is quarantined.

– Severe Storm/Route Closed
Severe weather delays your departing flight or causes road closures.

– Unannounced Strikes
Your departure is delayed by an unannounced strike

– Missed Connection
Reimburses expenses resulting from a covered delay that causes you to miss your scheduled flight or cruise.

– Airline Cancel/Delay Bad Weather
Severe weather cancels one of your flights en route to the connection or cruise, or delays it for at least 3 hours

– Bad Weather while en route
You’re delayed by severe weather while en route to the departure.

– Delayed by a traffic accident
You’re involved in or delayed by a traffic accident.

– Change Fee Coverage
Provides reimbursement for fees to change the dates on your airline ticket.

– Attending immediate family members birth
You need to attend an immediate family members birth. The pregnancy must have occurred after the effective date of coverage and can be verified by medical records.

– Covered Travel Delay – loss of 50%
You miss more than half of the total length of your trip because your travel is delayed.

– Death of Family Member
A family member passes away.

– Death of Insured
An insured traveler passes away.

– Death of Traveling Companion
A traveling companion passes away.

– Destination uninhabitable
Your destination is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Employer Termination – 1 yr.
You or a traveling companion, after having been with the same employer for at least 12 continuous months, are terminated/laid off through no fault of your own, after your effective date of coverage.

– Felonious Assault
You or a Traveling Companion are the victim of a felonious assault within 10 days prior to Your departure date or during Your Trip.

– Foreign and Domestic Terrorism
A terrorist event happens at your destination within 30 days of the day you’re scheduled to arrive.

– Hijacking
You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking

– Home uninhabitable
Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Illness of Family Member
A family member has a covered illness.

– Illness of Insured
An insured traveler has a covered illness.

– Illness of Traveling Companion
A traveling companion has a covered illness.

– Injury of Family Member
A family member has a covered injury.

– Injury of Insured
An insured traveler has a covered injury.

– Injury of Traveling Companion
A traveling companion has a covered injury.

– Involved in a traffic accident
You or a traveling companion is in a traffic accident on the way to your point of departure and you or the traveling companion need medical attention or the car needs to be repaired because it’s not safe to drive.

– Jury/Subpoena
You are summoned by a court order or subpoena to serve on a jury or appear in court.

– Legal separation or divorce
Your or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date.

– Loss of accommodations abroad
Family or friends outside the United States can’t accommodate you as planned because someone in the household has died or been diagnosed with a serious illness or injury.

– Military Obligations
You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, bas or unit mobilization, unit reassignment or disciplinary action.

– Normal Pregnancy
You become pregnant as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records (only applies to Trip Cancellation).

– Quarantine
You or a traveling companion is quarantined.

– Severe Storm/Route Closed
Severe weather delays your departing flight or causes road closures.

 

– Frequent Traveler Loyalty Plan
Coverage for frequent flyer mile redeposit fees in the event of a covered trip cancellation.

– Attending immediate family members birth
You need to attend an immediate family members birth. The pregnancy must have occurred after the effective date of coverage and can be verified by medical records.

– Complete cessation of services 24 hours
Complete cessation of services by your common carrier for 24 or more hours due to a strike, natural disaster, bad weather or FAA mandated shutdown.

– Covered Travel Delay – loss of 50%
You miss more than half of the total length of your trip because your travel is delayed.

– Death of Family Member
A family member passes away.

– Death of Insured
An insured traveler passes away.

– Death of Traveling Companion
A traveling companion passes away.

– Destination uninhabitable
Your destination is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Employer Termination – 1 yr.
You or a traveling companion, after having been with the same employer for at least 12 continuous months, are terminated/laid off through no fault of your own, after your effective date of coverage.

– Felonious Assault
You or a Traveling Companion are the victim of a felonious assault within 10 days prior to Your departure date or during Your Trip.

– Financial Default
Your tour operator, airline or cruise line, ceases operation due to a financial default.

– Foreign and Domestic Terrorism
A terrorist event happens at your destination within 30 days of the day you’re scheduled to arrive.

– Hijacking
You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking

– Home uninhabitable
Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.

– Illness of Family Member
A family member has a covered illness.

– Illness of Insured
An insured traveler has a covered illness.

– Illness of Traveling Companion
A traveling companion has a covered illness.

– Injury of Family Member
A family member has a covered injury.

– Injury of Insured
An insured traveler has a covered injury.

– Injury of Traveling Companion
A traveling companion has a covered injury.

– Involved in a traffic accident
You or a traveling companion is in a traffic accident on the way to your point of departure and you or the traveling companion need medical attention or the car needs to be repaired because it’s not safe to drive.

– Jury/Subpoena
You are summoned by a court order or subpoena to serve on a jury or appear in court.

– Legal separation or divorce
Your or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date.

– Loss of accommodations abroad
Family or friends outside the United States can’t accommodate you as planned because someone in the household has died or been diagnosed with a serious illness or injury.

– Military Obligations
You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, base or unit mobilization, unit reassignment or disciplinary action.

– Normal Pregnancy
You become pregnant as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records (only applies to Trip Cancellation).

– Quarantine
You or a traveling companion is quarantined.

 




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