Award-Winning Travel Protection

Allianz Global AssistanceTravel is one of the utmost pleasures of life. That said, there are all kinds of variables that fall outside a traveler’s control—flight schedules, health issues, and weather patterns, to name a few. With benefits and assistance to help with unforeseeable cancellations, delays, medical emergencies, lost belongings and more, you can worry less about what’s outside your control and focus on connecting with your destinations.

Frequently Asked Questions

Looking for more information about trip protection? Allianz Global Assistance has provided answers to some of the most commonly asked questions.

General

Travel insurance from Allianz Global Assistance does not cover losses resulting from normal pregnancy or childbirth, except as expressly covered under Trip Cancellation.

While normal pregnancy and childbirth are not covered, unforeseen pregnancy complications may be a covered reason for trip cancellation or interruption. The medical condition you’re experiencing must be disabling enough to make a reasonable person cancel their trip, and a doctor must advise you to cancel it. If your plan includes emergency medical benefits, your insurance may reimburse you for the cost of emergency medical care that you received for those covered complications while traveling.

Before traveling overseas, it’s wise to ask your health insurance provider if your coverage travels with you. Medicare generally does not offer coverage overseas, and hospitals in other countries often require cash payments up front. Also, very few health insurance companies pay for your medical evacuation back to the United States, as the U.S. Department of State explains. Plus, more countries are now requiring that travelers have proof of medical benefits before entering. This is why it’s so important to have travel insurance with emergency medical and emergency medical transportation benefits.

You can call our 24-Hour Hotline Assistance to reach a team of multilingual specialists who can help you with many types of travel problems, from reporting lost baggage to getting emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash from home in case of emergency and guarantee payment when you need to be admitted to a hospital in some instances.

  • Within the United States, Canada, Puerto Rico and the U.S. Virgin Islands call toll free: 1-800-654-1908
  • Outside of the United States, call collect: 1-804-281-5700

We can’t change your travel arrangements for you. Instead, call your airline, travel agent or other travel supplier. If you need help making alternate travel arrangements due to a covered trip interruption, travel delay or other covered situation, call our 24-Hour Hotline Assistance.

  • Within the United States, Canada, Puerto Rico and the U.S. Virgin Islands call toll free: 1-800-654-1908
  • Outside of the United States, call collect: 1-804-281-5700

You can call Allianz Global Assistance collect when traveling abroad. The easiest way to reach us is to download the free TravelSmart app. Or, simply dial 0170 to reach an international operator. Say the number you wish to call, and you’ll be connected:

  • 1-866-884-3556 for customer service
  • 1-804-281-5700 for 24-Hour Hotline Assistance outside the U.S.

Within the United States, Canada, Puerto Rico and the U.S. Virgin Islands, call toll free:

  • 1-800-654-1908 for 24-Hour Hotline Assistance

Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan. Examples of covered reasons may include: sudden covered medical emergencies; the birth of a family member’s child; the death of a travel companion or family member; financial default of a covered airline, cruise line or tour operator; legal separation or divorce; or jury duty. Some reasons for cancellation aren't covered, such as changing your mind about taking a trip or other things not named in your Certificate of Insurance/Policy.

If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the cancellation. Not all plans include trip cancellation benefits. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.

If you’re having a medical emergency, or if you’re the victim of a crime, first call local emergency services.

To get help anywhere in the world, Allianz Global Assistance customers can call our 24-Hour Hotline Assistance.

  • Within the United States, Canada, Puerto Rico and the U.S. Virgin Islands call toll free: 1-800-654-1908
  • Outside of the United States, call collect: 1-804-281-5700

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.

Travel insurance exists to protect you from certain financial risks and losses that can occur while traveling. Trip cancellation and interruption benefits can reimburse you for non-refundable, pre-paid trip costs (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason. Depending on the plan you choose, travel insurance also can get you crucial assistance in a medical emergency; reimburse you for eligible losses caused by a covered travel delay, baggage delay or baggage loss/damage; and help in other situations as well.

Refer to your plan documents for all the details of your plan including benefits, coverage limits, covered reasons for trip cancellation/trip interruption and exclusions.

Non-refundable costs include pre-paid trip deposits/payments that would be lost if you had to cancel for a covered reason prior to trip departure. Some examples include cruise fares, conference fees, tours and airline ticket costs. Be sure to consult your travel suppliers to determine which costs are non-refundable for your particular trip, as cancellation policies vary.

Depending on the plan you choose, travel insurance can provide benefits for a number of situations that may occur before or during your trip. These benefits include:

  • Trip Cancellation
  • Trip Interruption
  • Emergency Medical Transportation
  • Emergency Medical / Dental
  • Lost / Stolen / Delayed Baggage
  • Travel Delay
  • Rental Car Damage Protection
  • 24-Hour Hotline Assistance

Note: Not all plans include each benefit listed here. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.

Your travel insurance plan covers only people who are named insured — that is, named in the plan. Family members and/or travel companions are not covered unless they’re named in your plan documents.

Claims

Email addresses are required for all electronic payments in order to send your explanation of benefits electronically.

The timeline for receiving payment for a claim depends on two things: the time required to process your claim (see above) and the payment method you choose. When you file a claim, we ask you to choose your preferred method of receiving payment:

  • Debit disbursement (sending money to your debit card)
  • Direct deposit (sending money to your bank account)
  • Check (mailing a paper check to your address)

A debit disbursement is typically the fastest way to receive payment, although the speed depends on your bank’s processing times.

To help us process your claim as quickly and efficiently as possible, please provide all the requested documentation as soon as you can. Also, make sure you know what’s covered by your policy, including covered reasons for trip cancellation/interruption and maximum benefit limits.

Debit disbursements and direct deposit are both forms of electronic payments; however, they use different information to send payments and have varying timelines for the receipt of funds. Debit disbursements use your debit card information (account number and expiration date) to send money, while direct deposit uses your checking account number and your bank’s ABA (or routing) number, which can be found on your checks. Debit disbursements are typically quicker, depending on your bank’s processing times. If you select either of these options and the transaction does not go through for any reason, then we will send a paper check to your mailing address.

We need supporting documentation to help our claims experts understand the situation and prove that your losses took place. The evidence you’ll need to file a claim depends on the type of claim; it may include photos, receipts, communications and invoices from your travel suppliers, medical records, police reports etc. You can find a list of required documents here* for your specific type of claim. Remember, we’re always here to help you navigate the claims process! Call customer service anytime at 1-866-884-3556.

You will see a payment from AGA Service Company or Jefferson Insurance Company, depending on the product you purchased.

All required documents and information can be found on the confirmation page after you submit your online claim. You can also access this information in our documentation checklist*. If you have questions about the documents you need to submit, please call us at 1-866-884-3556.

Payments can only be made in US dollars. In addition, there is a $10,000 limit for debit disbursements ($50,000 per month).

You can upload documentation by using our online claim management tool or the free TravelSmart app. You also can submit materials by fax at 804-673-1469, or mail them to:

Allianz Global Assistance
P.O. Box 71533
Richmond, VA 23255-1533

No, debit payments are only available for direct consumers (persons), not businesses.

To streamline claims processing, submit your documents as soon as possible. We ask that you notify us of your claim within 90 days of the date of loss or as soon as reasonably possible (except as otherwise allowed by law).

We cannot make claim payments to a credit card at this time.

A travel insurance claim may be denied for many reasons. Some common reasons are: the loss does not meet the requirements stated in your plan documents; the loss was caused by a foreseeable event, or an event listed under “General Exclusions”; or the requested documentation was not submitted. If you have questions about why your claim was denied, please call customer service at 1-866-884-3556.

We cannot send payments to prepaid debit cards.

Submitting your claim electronically may result in faster processing of your claim. However, the manner in which you submit your documentation does not affect the outcome of your claim.

Unfortunately, we cannot split claim payments among multiple bank accounts. The total claim payment will need to go to one account.

Use our online claim management tool, or use the free TravelSmart app. Once you have filed your claim, you will receive a confirmation email from us with details on the documentation we need to process your claim. You can upload documentation online, fax it to us at 804-673-1469, or mail it to:

Allianz Global Assistance
P.O. Box 71533
Richmond, VA 23255-1533

Please include your name and policy number with any documentation submitted by mail or fax.

After your claim has been submitted, you can check your claim status 24 hours a day by visiting our online claim management tool or using the TravelSmart app. You can get help filing or checking a claim anytime by calling customer service at 1-866-884-3556.

If we experience technical issues with sending an electronic claim payment, we may send a check to avoid further delays.

You can check the status of your claim at any time by visiting our online claim management tool or using the free TravelSmart app. You also can reach customer service by calling 1-866-884-3556, by mail or by fax (804-673-1469).

Please call customer service at 1-866-884-3556. If your claim payment has not already been processed, we will happily update it for you.

Once we receive your claim form and all the required supporting documentation, we will contact you within 10 business days with either a claim determination or a request for additional information needed to finalize your claim. The time required to process a claim depends on the type of claim, the circumstances of the claim and the documentation required. If we have to request more documents or more information, then the claim processing time will be extended.

Pre-Existing Medical Condition Coverage

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including your plan purchase date:

  1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
  2. Presented symptoms; or
  3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Yes. If your plan includes the Pre-Existing Medical Condition Exclusion Waiver, you may be covered for losses due to a pre-existing medical condition if you meet all the following requirements:

  1. Your policy was purchased within 14 days of the date of the first trip payment or deposit;
  2. You were a U.S. resident when the policy was purchased;
  3. You were medically able to travel when the policy was purchased; and
  4. On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date.

If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion. Coverage limits may vary based upon your chosen plan. Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions.

Even if you don't purchase insurance that covers existing medical conditions, or if you don't meet the requirements for that coverage, you can still purchase travel insurance; just be aware that any loss due to an existing medical condition will be excluded.

Covered Suppliers

Please review your plan's terms, conditions and exclusions to see if the financial default of a travel supplier is listed as a covered reason for trip cancellation and trip interruption. To be eligible, the following conditions must apply:

  1. Your policy was purchased within 14 days of the date of the first trip payment or deposit;
  2. The cessation of operations occurs more than seven days after your policy’s Coverage Effective Date;
  3. Your policy was not purchased directly through the tour operator, airline, or cruise line ceasing operations, or an affiliate of that entity; and
  4. The tour operator, airline, or cruise line was included in our list of covered suppliers on your policy’s Coverage Effective Date. A list of these covered suppliers can be found by clicking here.

Some travel insurance plans include supplier financial default as a covered reason for trip cancellation and trip interruption. This means a covered supplier — such as a tour operator, airline, or cruise line — ceases all operations due to its financial condition, with or without filing for bankruptcy. Coverage applies to non-refundable payments and deposits you made before your trip was canceled, less any published refunds you're entitled to receive.

Assistance

If you’ve purchased a trip protection plan and need help with a challenging situation while traveling, you can connect with Allianz Global Assistance’s team 24 hours a day, almost anywhere in the world.

In the United States, Canada, Puerto Rico and the U.S. Virgin Islands, call 1-800-654-1908. In all other locations, call collect 1-804-281-5700.