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Allianz Travel Insurance – Basic

Editor Review

allianz-basic-planThe Good: This is individual coverage for the basic travel protections necessary on a trip. Pre-existing condition coverage is included (if purchased within 14 days of initial trip deposit) and the plan can be enhanced with rental car coverage too.

The Drawbacks: The medical and evacuation coverage limits are relatively low when compared to other plans, especially if your trip is outside the U.S.

The Bottom Line: This plan provides coverage for the travel basics: cancellation, interruption, emergency medical and evacuations, but the coverage limits are not high.

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
Trip cancellation 100% (maximum trip cost $10,000)
Trip interruption 100%
Travel delays (6 hours or more) $150
Medical expenses $10,000
Emergency evacuations $50,000
Baggage loss $500
Baggage delay (24 hours or more) $100
24/7 assistance services Yes

Plan Details

This plan is unique in that it provides the following:

  • Covered reasons for trip cancellation and interruption are relatively broad, including death and illness, foreign and domestic terrorism (within 30 days of departure), natural disasters, and jury duty.
  • Pre-existing medical conditions covered if plan is purchased within 14 days of initial trip purchase and 100% of nonrefundable trip costs are covered.
  • Plan includes 24-hour emergency assistance services for medical and travel emergencies, legal assistance, emergency cash, flight information and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

  • Optional rental car damage protection for up to $35,000 at just $9 a day.

Limitations

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

  • Medical and evacuation coverage is relatively low when compared to other plans – especially if you are traveling abroad.
  • Baggage delay time frame is relatively long and the coverage is relatively low when compared to other plans.
  • For trips over 30 days in length, and additional daily rate of $3 applies.
  • No coverage for supplier default is available.
  • No missed connection coverage.
  • No coverage for AD&D or flight accidents.
  • Plans with 0$ trip cost will not have trip cancellation or interruption benefits.

Related Allianz Plans


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.