Travel Insurance

Allianz Travel Insurance

Allianz Global Assistance offers broader coverage, greater peace of mind, and benefits that truly support travelers before, during, and after their trip.

Here are 10 reasons Allianz stands out as the better choice:

• Key limitations of supplier insurance:

  • 1. Life is unpredictable. Sometimes trips must be canceled. With Allianz, you are not stuck paying for a trip you cannot take. It provides confidence and flexibility when the unexpected happens.

    2. Illness happens. From catching a cold to getting food poisoning, Allianz helps you navigate health issues while you are away, giving you support when you need it most.

    3. Your regular health insurance may not travel with you. Many U.S. health plans, including Medicare and Medicaid, do not cover you internationally. Allianz steps in to help, especially in serious situations where medical evacuations can cost tens of thousands of dollars.

    4. Forgot your medication? Allianz can help you locate a pharmacy and get the medication you need while abroad, turning a potential crisis into a manageable situation.

    5. Luggage delays or loss. Allianz provides benefits that help replace lost, delayed, or stolen items, so you can continue your journey without missing a beat.

    6. What if the plan crumbles? If a cruise line or tour company shuts down, Allianz coverage helps protect your investment. Supplier insurance usually does not cover this scenario.

    7. Credits versus cash. Airlines and cruise lines may only offer vouchers after cancellations. With Allianz, you are more likely to receive cash refunds for covered reasons, giving you more control over your next steps.

    8. Delays cost more than time. Flight delays can mean missed connections, overnight stays, and extra meals. Allianz may reimburse these expenses, helping you stay on track without additional out-of-pocket costs.

    9. Your credit card might not be enough. Even premium cards with built-in travel benefits rarely match the level of protection offered by a dedicated Allianz policy.

    10. Helpful tools at your fingertips. With the Allianz TravelSmart™ app, you can view your policy, file a claim, get flight updates, and access emergency support with one touch. It is free on the App Store and Google Play.

Supplier Travel Insurance

Cruise lines and travel suppliers often offer their own version of insurance, typically referred to as “Vacation Protection.” While these plans may be conveniently added at the time of booking, they are not always in your best interest.

• Key limitations of supplier insurance:

  • Often provides a future travel credit instead of a cash refund.

  • Only covers the portions of your trip booked directly with the supplier. Independent airfare, hotels, and excursions are not protected.

  • Limited transparency on policy details. Coverage is provided by a third party and can be difficult to research.

  • Uses a flat rate pricing model, which does not adjust based on your age or the actual trip cost.

  • May not be available to residents of certain states.

  • Rarely covers supplier bankruptcy, leaving you exposed if the cruise line or tour operator ceases operations.

  • Medical coverage and emergency evacuation limits are typically much lower than Allianz offers.

  • Cancellation for any reason is often restricted to 24 to 48 hours before departure and usually results in a credit, not a refund.