​Travel Insurance Options


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 -- this is an independent product which we are happy to quote, with costs based on age and amount of coverage. 
4.  Annual Policy -- Allianz has an annual policy that is available for $280 person that has all the basic coverages and max of $3K for year trip reimbursement costs.

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.
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** 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**
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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 the details of what the coverage will provide!  

Covered Reasons for Trip Cancellation & Interruption

  • Attending immediate family members birth
  • Complete cessation of services 24 hours
  • Covered Travel Delay - loss of 50%
  • Death of Family Member
  • Death of Insured
  • Death of Traveling Companion
  • Destination uninhabitable
  • Employer Termination - 1 yr.
  • Felonious Assault
  • Financial Default
  • Foreign and Domestic Terrorism
  • Hijacking
  • Home uninhabitable
  • Illness of Family Member
  • Illness of Insured
  • Illness of Traveling Companion
  • Injury of Family Member
  • Injury of Insured
  • Injury of Traveling Companion
  • Involved in a traffic accident
  • Jury/Subpoena
  • Legal separation or divorce
  • Loss of accommodations abroad
  • Military Obligations
  • Normal Pregnancy
  • Quarantine
How does travel insurance define “family”?For the purposes of your travel insurance policy, Allianz Global Assistance defines family members as the following:
  • Spouse (by marriage, common law, domestic partnership, or civil union);
  • Cohabitants (A person you currently live with and have lived with for at least 12 consecutive months and who is at least 18 years old. You must be able to show evidence that you have lived together for 12 consecutive months.)
  • Parents and stepparents;
  • Children, stepchildren, foster children, adopted children, or children currently in the adoption process; Siblings;
  • Grandparents and grandchildren; The following in-laws: mother, father, son, daughter, brother, sister, and grandparent;
  • Aunts, uncles, nieces, and nephews;
  • Legal guardians and wards; Paid, live-in caregivers;
  • Service animals (as defined by the Americans with Disabilities Act)

A full range of coverage for all types of trips
Classic Plan with Cancel Anytime
If you need to cancel a trip for almost any reason not already covered at 100%, then you'll receive 80% of your non-refundable trip cost back in cash. With features like comprehensive trip cancellation, primary emergency medical coverage and 24-hour travel assistance, the Classic with Cancel Anytime Plan is there if life throws an unexpected wrench in your travel plans.  MUST BE PURCHASED AT TIME OF INITIAL TRIP DEPOSIT.

Classic Plan
Includes comprehensive coverage for coverage reasons only and, when traveling with a parent or grandparent, kids 17 & under are covered for free. Our most popular plan for vacations, cruises, and tours. 

Basic Plan
For travelers who prefer affordable coverage, including trip cancellation and lost/damaged baggage benefits. Great for weekend getaways and overnight trips. 

All policies also now come with the Epidemic Coverage Endorsement -- Explained HERE

NOTE: FOR COVERAGE OF A PRE-EXISTING CONDITION ON ANY POLICY, YOU MUST PURCHASE WITHING 14 DAYS OF DEPOSIT.