What is a covered reason for trip cancellation? | Allianz Global Assistance (2024)

FAQs

What is a covered reason for trip cancellation? ›

Allianz Travel Insurance plans can reimburse you for lost trip expenses if you must cancel your trip for one of the covered reasons named in your plan.

Sickness, injury, death, or quarantine of a member of your travel party. A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory. Loss or damage to your baggage and personal effects due to theft, burglary, fire, or transportation hazards.

“Cancel for any reason” travel insurance is different. This type of plan, often abbreviated as CFAR travel insurance, can reimburse you for most, but not all, of your lost prepaid expenses when you cancel a trip for any reason that's not named in your plan.

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

For the fastest service, you can cancel your plan by visiting our online plan management tool. For a full refund of your premium, you must cancel within 15 days of your plan purchase (depending on your state of residence) and must not have filed a claim or departed on your trip.

Travel insurance does not cover losses that arise from expected or reasonably foreseeable events or problems. In general, you could not reasonably foresee crashing your car, catching the flu or falling off a camel.

Cancel Anytime plans can reimburse 80% of your client's lost non-refundable trip costs if they cancel their trip for almost any unforeseeable reason their plan does not already cover. With a Cancel Anytime plan, your clients can enjoy even greater peace of mind.

Allianz Global Assistance makes it simple. You can file a claim on the phone, by mail, online or using the TravelSmart app. Describe what happened, explain your losses, and upload supporting documentation, such as your travel itinerary and receipts. Then, choose how you want to receive payment for an approved claim.

The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage, is only if the trip is cancelled due to a specific, unforeseen covered reason.

Is it worth it to get trip cancellation insurance? ›

If you would lose the money you paid for your flights, accommodations, rental car, or activities if you had to cancel or go home early, travel insurance that specifically includes trip cancellation and trip interruption is probably a good idea.

If your travel insurance policy has a money-back guarantee or review period, you can cancel for any reason and receive a full refund within the timeframe if you haven't filed a claim or departed for your trip yet. But you won't get a premium refund if you cancel your policy after the review period.

The steps to take in order to request a refund for a travel insurance policy within the outlined Review Period may vary based on your provider. If you purchased a policy through Allianz Global Assistance, the fastest way to cancel travel insurance it to visit the online policy management tool.

Your travel insurance may cover the cancellation of the cruise, tour, or travel package by the cruise company or tour operator. You can also protect yourself with travel medical insurance so that if you have an unforeseen health emergency you may be eligible to cancel your cruise outright and rebook for the future.

Before your trip - If you have to cancel your trip, due to a covered reason, before you head off on holiday, we may reimburse you for your pre-paid non-refundable travel investment (e.g. hotel fees);

If you cancel your trip for a Covered Reason, you must notify Allianz Global Assistance and your travel supplier(s) within 24 hours of the cancellation to qualify for full reimbursem*nt.

A comprehensive travel insurance policy should offer protection for your flight should you need to cancel or amend your plans for reasons beyond your control. A valid travel insurance policy can offer protection in the event something goes wrong with your holiday.