Exploring the pros and cons of travel insurance, you'll find it's a bit like choosing a dance partner for the tango of travel! On the pro side, travel insurance is your knight in shining armor, ready to rescue you from unforeseen misfortunes. It's got your back whether you lose your luggage in Timbuktu, fall sick in San Francisco, or face a flight cancellation in Fiji. Now, the cons! Well, it does add to your travel cost and you might not even use it. But isn't that the point? It’s like an umbrella on a sunny day—you don’t need it until a rainstorm comes out of nowhere!
Today I will be discussing some of the types and who I prefer. I will focus on the most popular type to buy (the basic), their recommended (classic policy), and a basic annual travel policy. There are so many types of travel insurance, so you should check out all that is available to purchase. From cancelation insurance or medical travel insurance or rental car insurance, Allainz Travel Insurance has it all and is my favorite company to buy from.
Why to buy and what to buy
The importance of travel insurance cannot be overstated. It's like a safety net for a trapeze artist—there to catch you when you fall. And why buy it separately? Well, dear globetrotter, bundled insurance plans might not cover everything you need. Buying separately allows you to customize and cover all bases. So, whether you're trekking in Tibet or sunbathing in Spain, don't forget to pack your travel insurance. After all, it's your ticket to a worry-free adventure! Sometimes when you buy, for example from the cruise company or travel company like Orbitz or Expedia, it just covers certain pieces of your trip. Check out Allainz Travel Insurance instead.
Strap in, folks, as we embark on a whirlwind tour of the different types of travel insurance that are as diverse as the destinations on your bucket list! Let's start with Trip Cancellation Insurance, your best friend when unexpected events derail your travel plans. Next in line is Travel Health Insurance, your personal health hero, swooping in to cover medical expenses in foreign lands. Then we have Baggage Insurance, ready to soften the blow of lost or damaged baggage. For those adventurous souls who love living on the edge, Adventure Sports Coverage is your go-to, providing insurance for high-risk activities. Finally, for our nomadic friends who can't get enough of jet-setting, there's Annual or Multi-Trip Insurance which covers all your voyages in a year. So, before you pack your bags and set sail on your next adventure, remember to choose the travel insurance that works best for you.
My Favorite
Now, let's shine the spotlight on a real game-changer in the travel insurance industry, none other than Allianz Travel Insurance. This titan of travel protection touts top-tier ratings across the board, garnering glowing reviews from globetrotters galore. Why, you ask? Well, Allianz's offerings are as diverse as the places you'd want to visit! They've got a policy to fit every traveler's tune. Emergency in Everest? Allianz has got your back. Luggage lost in London? Allianz to the rescue! With its wide array of options, Allianz has established itself as the DJ that remixes your travel safety tunes! Plus, they have had over 25 years practice in doing so.
Click on the pictures or the links attached to Allianz, it will take you to the page where you can get a quote. Remember the length, where you are traveling to, and your age does affect the quote.
It's not just about the variety. Allianz prides itself on its super-speedy claims process. Who would want to wait for ages to get their claim processed while they're stuck in an unknown territory? Not to worry, Allianz has got you covered faster than a cheetah chasing its lunch! And let's not forget their world-class customer service – always ready to lend an ear and assist, making you feel at home, even when you're far from it. So, for an uncompromised, top-of-the-charts travel insurance experience, Allianz is your go-to groove. Strap in and let Allianz be the insurance DJ of your travel adventures, spinning safety and security into your journey! Happy Allianz-ing!
Let's talk about some of my most favorite plans. The One Trip Classic is what they tend to recommend, but most affordable is the basic.
Types of Plans by Allianz
Basic- Most common used, and affordable
-Under certain conditions, covered reasons for some benefits of this plan include epidemic or pandemic-related illness and individually-ordered quarantine. -Trip Cancellation-Up to price paid for trip. -Trip Interruption-Up to price paid for trip. -Emergency Medical-$10,000 ($500 max for dental emergency). -Emergency Medical Transportation -$50,000 (very important for cruise travel) -Baggage Loss/Damage-$500 (covers loss, damage or theft and personal effects. -Baggage Delay- $200 (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. -Travel Delay-$300 (Daily Limit $150)-additional accommodation/travel expenses and lost prepaid expenses due to a covered departure delay of six or more hours. -24-Hr Hotline Assistance-Included -Pre-Existing Medical Condition-Available for trip interruption or cancelation, (limit $10,000) but special terms apply (look on website)
Classic
-Under certain conditions, covered reasons for some benefits of this plan include epidemic or pandemic-related illness and individually-ordered quarantine.
-Trip Cancellation-Up to price paid for trip
-Trip Interruption-Up to 150% of price paid for trip
-Emergency Medical-$50,000 ($750 max for dental emergency). -Emergency Medical Transportation -$500,000 (very important for cruise travel) -Baggage Loss/Damage-$1,000 (covers loss, damage or theft and personal effects. -Baggage Delay- $300 (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. -Travel Delay-$800
-Trip change protector- $500 -24-Hr Hotline Assistance-Included -Pre-Existing Medical Condition-Available for trip interruption or cancelation, (limit $50,000) but special terms apply (look on website)
Travel Concierge-Included
Annual or Multi trip coverage- Allainz offers 7 different levels for Annual/ Multi trip travel, so you can choose exactly what is best for you.
-Under certain conditions, covered reasons for some benefits of this plan include epidemic or pandemic-related illness and individually ordered quarantine. -Trip Cancellation $2,000 / $5,000 / $10,000 / $15,000-Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason. Multiple benefit levels available. -Trip Interruption$2,000 / $5,000 / $10,000 / $15,000-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. Multiple benefit levels available. -Emergency Medical-$50,000-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. -Emergency Medical Transportation-$500,000-Provides reimbursement for medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.
-Baggage Loss/Damage-$2,000-Covers loss, damage or theft of baggage and personal effects. -Baggage Delay-$2,000-Covers the 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 required. -Travel Delay-1,500 (Daily Limit $300) -Rental Car Damage and Theft Coverage-$45,000-Covers costs if a car you're renting is stolen or is damaged in an accident or while it's left unattended (not available to residents of KS, TX, and NY). -24-Hr Hotline Assistance-Included-With Allianz Global Assistance, you'll never travel alone. -Concierge-Included-Provides personalized information about your destination and assists you with obtaining restaurant reservations, tee times and tickets to events.
-Pre-Existing Medical Condition-Available- Special terms apply, check website
I hope you have enjoyed this blog post, and it has helped you decide that travel insurance is definitely worth it. Just buy the right type of insurance that dances to your travel tune! Happy globetrotting!
