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You are here: Home > Companies > Allianz > Essential

Essential

Editor Review

Allianz Insurance Review

The Good: This plan covers the essentials for domestic travelers who want cancellation and trip interruption coverage but don’t need post-departure benefits like travel medical. Essential is Allianz’s most affordable plan, and it includes travel delay and 24-hour assistance services.

The Drawbacks: This plan is only useful for domestic travelers with health insurance coverage. It has no coverage for baggage, emergency medical, or flight accidents.

The Bottom Line: This plan is great for travelers who want to protect expensive domestic trips and avoid potential cancellation or interruption losses.

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Coverage

BenefitsMaximum
Trip cancellation100% (maximum trip cost $10,000)
Trip interruption150%
Travel delays (6 hours or more)$150 maximum
24/7 assistance servicesYes

Plan Details

This plan is unique in that it provides the following:

  • Covered reasons for trip cancellation and interruption include  job loss, traffic accident, foreign and domestic terrorism, and more,
  • Pre-existing medical conditions covered if plan is purchased within 14 days of initial trip purchase and 100% of nonrefundable trip costs are covered.
  • Change fees are also covered up to $250.
  • Plan includes 24-hour emergency assistance services for travel emergencies.

Optional Coverage

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

  • Optional rental car damage protection for up to $40,000 at just $9 a day.

Limitations

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

  • No coverage for travel medical care, baggage, evacuations, AD&D or flight accidents.
  • Plans with 0$ trip cost will not have trip cancellation or interruption benefits.

As with any type of insurance, terms, conditions, and exclusions apply.

Related Allianz Plans

  • Basic
  • Classic with Trip+
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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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