Travel Insurance Options
SEE DETAILS RELATED TO SPECIFIC SUPPLIER COVERAGES BY CLICKING ON THE SUPPLIER
Allianz Policies |Funjet Vacations | Viking Cruises | Holland America | Royal Caribbean | Sandals |
Allianz Policies |Funjet Vacations | Viking Cruises | Holland America | Royal Caribbean | Sandals |
Remember to protect your travel investment. Losing a vacation is bad, but losing money is even worse. As a travel agent, I want to offer you a total package include travel insurance to protect your investment.
Common travel insurance benefits are: Trip Cancellation, Trip Interruption and Trip Delay, Accident & Sickness Medical Expenses, Emergency Medical Evacuation, Baggage and Baggage Delay, 24-Hour Worldwide Telephone Assistance Service to help your clients in the event of an emergency and more.
Every type of travel protection has it's key coverages, but here is a general synopsis of options we offer --
1. Supplier cash back option -- this will generally be more expensive and have certain qualifiers that must be met before the cash back option is invoked, such as reason for cancellation, when the plan was purchased, etc.
2. Supplier future credit option -- this is generally offered in a cancel anytime policy so that if you don't cancel for a covered reason as described below, you get future credit.
3. Outside carrier policy through Allianz Global Assistance -- this is an independent product which we are happy to quote, with costs based on age and amount of coverage.
4. Annual Policy -- Allianz Global Assistance has an annual policy that provides peace-of-mind year-found and also offers 24/7 travel assistance and concierge services while traveling.
When should you buy your travel protection?
For Cancel Any Reason coverage, it generally needs purchased at the time of your initial booking.
Or if you just want Classic coverage, via an individual, group or annual policy, you can purchase anytime before final payment from the supplier. Or prior to travel from Allianz.
Why Timing Matters
Buying early gives you the most coverage window: If you add the plan right when you first book, you may be covered for cancellations or issues that happen even before your final payment date.
Waiting until closer to travel can mean less protection for things that might occur earlier (like losing a job or getting sick before final payment).
KEY THINGS TO NOTE --
1. Any policy will only pay on "non-reimbursed costs" so first off you must incur costs to file a claim and have those receipts and if you are reimbursed through future credit, as with airline vouchers, it is not considered a non-reimbursed cost and will generally not be covered.
2. If you want coverage for a pre-existing condition or with a Cancel Anytime option, it must be purchased within 7 days of the initial trip deposit.
** TRAVEL AGENTS ARE NOT INSURANCE SALES PEOPLE AND WE CAN NOT TELL YOU WHAT IS BETTER THAN ANOTHER OR MAKE RECOMMENDATIONS. WE CAN SIMPLY GIVE YOU THE DETAILS ON WHAT IS AVAILABLE**
Most all suppliers offer their own insurance which we are happy to get you information on or below are some links to a product provided by Allianz Global Assistance where you can get price quotes and more information.
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We are often asked, "should I get insurance or what coverage should I get?" This is a personal decision that can only be made by the individual traveler when weighing their situation and risk tolerance. We can just provide benefit details! |
Allianz Travel Insurance
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Select Allianz Travel Insurance when booking your vacation and enjoy peace of mind throughout your trip.
Depending on your plan, travel insurance can reimburse up to 100% of your trip costs if you can’t go or need to come home early due to a covered illness, injury and much more. Benefits can also provide money back for covered travel and bag delays, medical emergencies, and lost or damaged personal items. Plus, you’ll have 24-hour access to award-winning assistance that can help you solve travel-related problems on the go. |
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Benefits at a Glance
Plans can include trip cancellation protection, baggage protection, 24-hour assistance and more—protecting you from booking to return. Since benefits vary by plan, please read your plan documents for details.
Trip Cancellation
Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered reason, which may include situations like:
For more information, visit Allianz Trip Cancellation Insurance: Covered Reasons Explained.
Trip Interruption
Reimburses the unused, non-refundable portion of your trip and additional transportation costs it takes for you to return home early or to continue your trip due to a covered reason, which may include:
Baggage Protection
Provides reimbursement if your luggage or other personal items are lost, damaged, or stolen while traveling.
Baggage Delay
Reimburses the reasonable additional purchase of essential items during your trip if you experience a covered baggage delay.
Benefits at a Glance
Plans can include trip cancellation protection, baggage protection, 24-hour assistance and more—protecting you from booking to return. Since benefits vary by plan, please read your plan documents for details.
Trip Cancellation
Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered reason, which may include situations like:
- A doctor says you or a traveling companion is too sick to travel
- Your parent or child requires hospitalization
- A storm shuts down your airport for 24 hours or more
- You need to attend the birth of a family member’s child
For more information, visit Allianz Trip Cancellation Insurance: Covered Reasons Explained.
Trip Interruption
Reimburses the unused, non-refundable portion of your trip and additional transportation costs it takes for you to return home early or to continue your trip due to a covered reason, which may include:
- You get sick or injured and a doctor says you need to return home
- A family member gets injured and needs your care
- An emergency like a fire or flood makes your home uninhabitable
Baggage Protection
Provides reimbursement if your luggage or other personal items are lost, damaged, or stolen while traveling.
Baggage Delay
Reimburses the reasonable additional purchase of essential items during your trip if you experience a covered baggage delay.
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Travel Delay
Provides reimbursement for certain eligible expenses like meals or accommodations due to a covered travel delay. Emergency Medical Care Reimburses expenses related to covered emergency medical or dental care (sublimit will apply) incurred on your trip. Examples of covered emergencies may include:
Easy Medical Access Abroad Provides convenient access to schedule virtual or in-person doctor visits, if available where you’re traveling, for unforeseen medial issues requiring non-emergency attention—like a stomach bug or migraine. Access includes:
Emergency Medical Transportation Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness. |
Emergency Medical Transportation
Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.
24-hour Assistance
Help is just a phone call away. A team of multilingual problem solvers is available to help you with medical and other travel-related emergencies or issues.
Medical assistance can include, but is not limited to:
Additional services for travel-related emergencies can help with:
Free Look
If you’re not satisfied, you have 15 days to cancel your plan and receive a full refund of the plan price. Plans are generally non-refundable after that period, or if you have started your trip, filed a claim, or the policy has ended. Cancellation rules may vary by plan and state; see your plan details.
Allyz® TravelSmart
You’ll also get the ready-for-anything Allyz® TravelSmart app—a digital extension of your plan with exclusive features like real-time safety alerts, easy paperless claims, and other smart services to help during your trip.
APP STORE GOOGLE PLAY
DISCLAIMER:
Terms, conditions and exclusions, including for pre-existing medical conditions apply to all plans. Specific plan benefits may vary. Please review your plan details for more information.
Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.
24-hour Assistance
Help is just a phone call away. A team of multilingual problem solvers is available to help you with medical and other travel-related emergencies or issues.
Medical assistance can include, but is not limited to:
- Medical triage with referrals to local prescreened medical providers
- Ongoing medical monitoring
- Payment guarantee
- Emergency medical transportation
Additional services for travel-related emergencies can help with:
- Missed connecting flights
- Lost/stolen travel documents
- Pre-trip information
- Prescription replacements
Free Look
If you’re not satisfied, you have 15 days to cancel your plan and receive a full refund of the plan price. Plans are generally non-refundable after that period, or if you have started your trip, filed a claim, or the policy has ended. Cancellation rules may vary by plan and state; see your plan details.
Allyz® TravelSmart
You’ll also get the ready-for-anything Allyz® TravelSmart app—a digital extension of your plan with exclusive features like real-time safety alerts, easy paperless claims, and other smart services to help during your trip.
APP STORE GOOGLE PLAY
DISCLAIMER:
Terms, conditions and exclusions, including for pre-existing medical conditions apply to all plans. Specific plan benefits may vary. Please review your plan details for more information.
FUNJET VACATIONS- APPLE LEISURE GROUP
By purchasing our Travel Protection Plus, travelers can relax and have confidence in their vacation purchase. If needed, travelers can cancel their trip for any reason. Simply call us at any time prior to departure to cancel and receive a refund in the form of a travel credit, minus the cost of the Travel Protection Plus. Other benefits include no fees for vacation changes, hurricane travel credit, and during travel benefits such as 24-hour emergency assistance, baggage protection and more.
Plus, when purchasing the Travel Protection Plus on Mexico, Caribbean, Hawaii, Europe and Central America vacations, travelers also receive our Price Protection Guarantee --- where if the hotel portion of the vacation price decreases after the booking is made, the traveler will receive the lower rate. This benefit also applies to airfare on Exclusive Nonstop Vacation Flight Vacations.
Two types of plans are offered -- For the less expensive, you get full travel credit to use for up to one year anywhere the the supplier travels. With the more expensive option, you get cash back if canceled with the terms, three days or more prior to departure. Costs are based on the per person package value.
To review full plan details online, go to Tripmate.com/wpN430F prior to your purchase
Plus, when purchasing the Travel Protection Plus on Mexico, Caribbean, Hawaii, Europe and Central America vacations, travelers also receive our Price Protection Guarantee --- where if the hotel portion of the vacation price decreases after the booking is made, the traveler will receive the lower rate. This benefit also applies to airfare on Exclusive Nonstop Vacation Flight Vacations.
Two types of plans are offered -- For the less expensive, you get full travel credit to use for up to one year anywhere the the supplier travels. With the more expensive option, you get cash back if canceled with the terms, three days or more prior to departure. Costs are based on the per person package value.
To review full plan details online, go to Tripmate.com/wpN430F prior to your purchase
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SANDALS AND BEACHES RESORTS COVERAGE
Purchase our comprehensive travel protection plan for only $140 per adult (from January 3 – December 20) or for $150 per adult (from December 21 – January 2).
This highly recommended plan protects against cancellation penalties if the trip is cancelled for any reason prior to departure. Plus, it also covers trip interruption, baggage, medical expenses and other problems that may occur after departure. Trip insurance is offered by a third party but can be purchased online on the last step of the booking engine. Price will be added to the total vacation price.
The travel protection plan payment is required in full and once paid, the plan is non-refundable. The coverage amount applies to all guests traveling.
Change For Any Reason: Cancel resort stay and use travel certificate for later travel.
Cancel For Covered Reason: 100% refund on your flights and on unused portion of your resort stay.
You Also Get Protection For: 100% refund on tours, $50,000 Emergency Evacuation, $25,000 Medical Protection, and $2,500 Baggage Protection.
For full plan details you can download a copy of the Plan document from Trip Mate's website using this link https://www.tripmate.com/main/plan-documents/
Plan number is F389U. Must be purchased by final payment.
Purchase our comprehensive travel protection plan for only $140 per adult (from January 3 – December 20) or for $150 per adult (from December 21 – January 2).
This highly recommended plan protects against cancellation penalties if the trip is cancelled for any reason prior to departure. Plus, it also covers trip interruption, baggage, medical expenses and other problems that may occur after departure. Trip insurance is offered by a third party but can be purchased online on the last step of the booking engine. Price will be added to the total vacation price.
The travel protection plan payment is required in full and once paid, the plan is non-refundable. The coverage amount applies to all guests traveling.
Change For Any Reason: Cancel resort stay and use travel certificate for later travel.
Cancel For Covered Reason: 100% refund on your flights and on unused portion of your resort stay.
You Also Get Protection For: 100% refund on tours, $50,000 Emergency Evacuation, $25,000 Medical Protection, and $2,500 Baggage Protection.
For full plan details you can download a copy of the Plan document from Trip Mate's website using this link https://www.tripmate.com/main/plan-documents/
Plan number is F389U. Must be purchased by final payment.
VIKING CRUISE LINE TRIP MATE TRAVEL PROTECTION
Summary for Plan #GR425V -- Call 866.303.1918 or To review full plan details online, go to www.tripmate.com/wpgr425v Effective for sales on or after 9/1/2021 and Viking offers more details at https://www.vikingrivercruises.com/my-trip/travel-protection/index.html
Highlights -- Part A- Cancel for Any Reason - Up to the trip cost- provides reimbursement in the form of a travel voucher valid for travel booked withing 12 months of date of issue.
Part B - Insurance Benefits -- Covers Trip Cancellation, Interruption, Travel Delays, Medical Expense, Emergency Transportation, Security Evacuation, Accidental Death, Baggage and Baggage Delays for COVERED REASONS. Plan will reimburse for covered expenses due to unforeseen covered events.
Cost of the plan is based on the amount of the cruise and set by Viking. The plan must be purchased prior to final payment. IF you want coverage for pre-existing conditions, it must be purchased at the time of deposit.
Highlights -- Part A- Cancel for Any Reason - Up to the trip cost- provides reimbursement in the form of a travel voucher valid for travel booked withing 12 months of date of issue.
Part B - Insurance Benefits -- Covers Trip Cancellation, Interruption, Travel Delays, Medical Expense, Emergency Transportation, Security Evacuation, Accidental Death, Baggage and Baggage Delays for COVERED REASONS. Plan will reimburse for covered expenses due to unforeseen covered events.
Cost of the plan is based on the amount of the cruise and set by Viking. The plan must be purchased prior to final payment. IF you want coverage for pre-existing conditions, it must be purchased at the time of deposit.
HOLLAND AMERICA CRUISE LINE TRAVEL PROTECTION
Holland offers two plans -- Platinum and Standard.
Both are Cancel for any reason and both give cash back. The main difference is the Platinum plan includes trip delays, baggage coverage and medical coverage. See the full details below.
1 Post-Departure Travel Insurance benefits are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio for guests departing on or after 12/1/17. For more information regarding the Standard Cancellation Protection Plan, please refer to https://www.hollandamerica.com/en_US/pre-post-travel-cruise/cancellation-protection-plan.html, or a Holland America brochure, or call Holland America.
The Platinum state-specific Certificate of Insurance providing the terms, conditions and exclusions of the certificate is available at: http://www.affinitytravelcert.com/docs/nwehal01.
Travel protection can be added up to final payment
Both are Cancel for any reason and both give cash back. The main difference is the Platinum plan includes trip delays, baggage coverage and medical coverage. See the full details below.
1 Post-Departure Travel Insurance benefits are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio for guests departing on or after 12/1/17. For more information regarding the Standard Cancellation Protection Plan, please refer to https://www.hollandamerica.com/en_US/pre-post-travel-cruise/cancellation-protection-plan.html, or a Holland America brochure, or call Holland America.
The Platinum state-specific Certificate of Insurance providing the terms, conditions and exclusions of the certificate is available at: http://www.affinitytravelcert.com/docs/nwehal01.
Travel protection can be added up to final payment
With no travel protection, here are the cancellation penalties:
Royal Carribean Travel Protection
