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.

Travel Insurance

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

**Underwriter Statement
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.
 

Travel Insurance can include the following benefits:

Cancellation
If you cancel the trip for reasons beyond your control.

Curtailment
If you need to return home for reasons beyond your control.

Travel Delay
If the aircraft or ship does not depart within the time span specified in your policy.

Missed Departure
If you miss your departure, will cover necessary hotel and traveling expenses.

Personal Accident
If you should suffer an accident and left permanently disabled or lose a limb or eye or if the accident causes your death.

Medical Emergency
Whilst abroad if you become ill, suffer an accident and require medical treatment.

Hospital Benefit
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.

Personal Liability
If you injure somebody or something is damaged due to your negligence.

Legal Expenses
If you need to take legal action against any person, who as a result of accident, causes you injury during your trip.

FOR AMERICAN CUSTOMERS
ALLIANZ GLOBAL ASSISTANCE
EMERGENCY CONTACT NUMBERS

In the event of an emergency, call the assistance center immediately.
 
1-800-654-1908 toll-free
from the USA and Canada
 
1-804-281-5700 collect
from anywhere else in the world
 
FOR CANADIAN CUSTOMERS
ALLIANZ GLOBAL ASSISTANCE
EMERGENCY CONTACT NUMBERS

In the event of an emergency, call the assistance center immediately.
 
1-866-520-8823 toll-free
from the USA and Canada.
 
(519) 742-3013 collect
from anywhere else in the world.
 
Our Assistance Centre is there to help you 24 hours a day, 365 days a year.
 
Please note that if you do not call the Assistance Center in an emergency, you may be responsible for up to 30% of the covered medical expenses we would normally pay under this certificate of insurance. If it is medically impossible for you to call, please have someone call on your behalf.


Top 10 Reasons to Buy Travel Insurance

  1. Life is unpredictable. Some trips need to be cancelled. With travel insurance, travelers don’t have to pay for a trip they are unable to take.
  2. Most lost luggage takes five days to return to its owner. Allianz Global Assistance provides coverage to replace needed items right away.
  3. Lost or forgotten medication? Travel insurance will assist you in locating a pharmacy to purchase a new prescription.
  4. 30%-50% of travelers stateside and abroad will become ill or injured during their trip. That’s almost one out of every two travelers. Travel insurance can provide peace of mind – especially for travel outside the United States, where many hospitals request cash payments in the thousands before treatment can even begin.
  5. Health insurance may not go the distance. The majority of health insurance (including Medicare), worker’s compensation insurance, third-party and personal liability policies don’t cover international travel. In fact, a closer look at the inside of your passport will reveal that the government recommends travel insurance when traveling outside the United States.
  6. In the event of a natural disaster, airline strike or act of terrorism, airlines will not refund the cost of your ticket. Allianz Travel Insurance plans can cover the cost and help travelers get home quickly and safely.
  7. Credit card coverage, homeowners and auto insurance – none of these provide sufficient coverage for travel. Even combined, they may not offset the cost of a medical emergency overseas.
  8. Excursion tour operators often require that you purchase travel insurance. Purchasing through Allianz Global Assistance in advance helps travelers get the best coverage at the best cost.
  9. Even the most stable of travel suppliers can default quickly. If a cruise line, airline or tour operator ceases operations due to financial hardship or bankruptcy, travel insurance saves travelers from paying for a trip they’ll really never get to take.
  10. We all experience tough economic times. The loss of a job or other income might mean a trip planned in advance may have to wait. Travel insurance puts cash back into the hands of travelers when they need it most.