Should I buy Travel Insurance?
Travel Insurance is essential in our experience. The costs you can incur before and during your travel can far outweigh any premium you pay initially for the coverage. A simple visit to the infirmary on a ship can easily exceed the cost of your insurance protection. An interrupted trip due to illness and a one way fare back home, with all associated medical costs can be very expensive. A twisted ankle the day before your cruise, could cost you the whole cruise. A parent or family member, becoming ill prior to your departure, could cost you your vacation.
It happens all the time. Travellers try and save a little on their insurance costs and end up paying a significant amount more.
Peace of mind, knowing you will get your money back and not suffer through potentially crippling medical costs, can be available to you at very little cost.
Important note about your Travel Insurance:
The purchase of Travel Insurance is required at the time of booking or prior to any cancellation penalties imposed by the cruiseline or hotel/tour supplier in order for you to have complete coverage. Failure to purchase insurance at this time will limit the insurance protection available to you.
Why Travel Protection?
Traveling is usually exciting and fulfilling, but it can also be very expensive should the unexpected occur when you are far away from home. Sickness or injury, travel delay, baggage loss, or worse can happen when you least expect it. Medical costs have risen dramatically and even countries with subsidized National Health programs may now require payment in full from foreign visitors for emergency medical services. At the same time travel suppliers such as airlines, cruiselines and tour operators worldwide have made tightened up cancellation policies to make them more restrictive, so if you have to cancel a trip it's likely that a substantial portion of your pre-paid travel expenses will not be refunded and if you have to cut short a trip part way through; a last minute, one-way economy fare return-flight is likely to be more costly than ever. As well, the reality of global terrorism, increased travel industry bankruptcies, global economic instability, and the overall unpredictability of life today causes most travelers to look for ways to protect themselves from the financial risks associated with travel.
As a result, the knowledgeable traveler purchases travel insurance to protect against the potential of staggering financial costs resulting from crises such as the cancellation of a big trip due to death or illness of a family member or a required emergency medical evacuation.
US Residents - to view the Allianz Travel Insurance Certificate click here. Upon purchase the Certificate of Insurance/Policy will be provided to you. Exclusions, conditions and limitations may apply. A complete description of coverage can be found in the Certificate of Insurance/Policy. (note - US residents only**)
Canadian residents - to view our Allianz Global Assistance travel insurance Policy details - please click on the appropriate version below:
Allianz Global Assistance Comprehensive Coverage - English - French
Allianz Global Assistance Emergency Medical Coverage - English - French
Allianz Global Assistance Trip Cancellation Coverage - English - French
Insurance coverage is underwritten by BCS Insurance Company, rated “A-“ (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company, rated “A” (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on the insured's state. Allianz Global Assistance is a brand of AGA Service Company, a company of Allianz Global Assistance. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.
PLEASE BE ADVISED: This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner's insurance policy, personal liability insurance policy or other source of coverage. This insurance is not required in connection with the insured's purchase of travel tickets. Plan may not be available in all jurisdictions.
California Residents: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400.
Florida Residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida.
New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer's expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer's compensation, except as otherwise provided by law.
Utah Residents: We are doing business in Utah as Allianz Global Assistance Insurance Agency.
If you cancel the trip for reasons beyond your control.
If you need to return home for reasons beyond your control.
If the aircraft or ship does not depart within the time span specified in your policy.
If you miss your departure, will cover necessary hotel and traveling expenses.
If you should suffer an accident and left permanently disabled or lose a limb or eye or if the accident causes your death.
Whilst abroad if you become ill, suffer an accident and require medical treatment.
If you are taken into a hospital abroad.
Personal Baggage, Delayed Baggage, Personal Money
If your clothing, suitcases and other personal effects are stolen, lost or damaged.
Loss of Passport/ Driver's License
Costs of replacement if your passport or driver's license is lost or stolen.
If you injure somebody or something is damaged due to your negligence.
If you need to take legal action against any person, who as a result of accident, causes you injury during your trip.