Review of Annual Travel Protection from Allianz

Editor Review

The Good: When you know you’ll be taking multiple trips throughout the year, having a single plan makes sense because you won’t have to keep up with multiple benefits and coverage limits. This plan is an annual medical plan that includes a number of package-like benefits.

The Drawbacks: No coverage for pre-existing conditions, and the plan’s medical limits are relatively low when compared to other plans.

The Bottom Line: This is basic medical and travel insurance protection to cover the essentials for multiple trips for one full year.

Quote and buy direct: Get a quote directly at the Allianz website. A good choice if you know you want an Allianz plan and are ready to enroll.

Coverage

Benefits	Maximum
Medical expenses	$20,000
Emergency evacuations	$100,000
Flight accident AD&D	$300,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Including a number of package-like benefits, this plan covers trip cancellation, interruptions, travel delays. lost or delayed luggage, and more.
Includes car rental collision coverage up to $25,000 in base plan (location restrictions apply).
Coverage for redeposit fees imposed by the airline if you cancel your trip (for a covered reason) and recover your frequent traveler points.
$25,000 24-hour AD&D is included in the base plan.
Baggage loss up to $1,000 and baggage delays (after 24 hours) up to $200 in base plan.
Car rental damage protection up to $25,000 in base plane.
Covered reasons for trip cancellation and interruption are broad and include inclement weather, natural disaster, domestic and foreign terrorism, loss of destination accommodations, and more.
Advance payments (up to the plan limit) will be arranged to guarantee your emergency care.
Coverage is automatically extended up to 7 days if you are unavoidably delayed in your return.

Limitations

The following are the limitations on this plan’s coverage:

Individual trips must be no longer than 90 days each.
Trip cancellation protection is limited to $1,000, as is the trip interruption coverage.
Coverage does not extend to locations where a terrorist incident has occurred in the six months prior to your plan’s effective date.
No coverage for pre-existing medical conditions.