Illness, injury, death, quarantine
Yours, a traveling companion's, or a family member's. The most-used reasons by a wide margin, before departure and during the trip.
Spellbound Travel Intel
Travel insurance,
actually explained.
It's 11pm in a terminal eleven hours from home, the flight is gone, and somewhere in your inbox is a policy you bought in four minutes and never read. This is the guide we'd rather you read first.
What it covers, what it costs, when to buy it, and how to choose a plan. Every figure comes from Allianz's plan documents, linked at the bottom.
The short answer
Travel insurance is almost always a smart buy. But you don't need to insure every trip you take — it comes down to what you'd actually lose, and how far you'd be from help.
What is it, really?
Protection against the specific things that go wrong when you travel — from a delayed bag to a hospital in a country where nobody takes your health card. It covers a named list of situations and only that list. The plain version: if a situation's not named, it's not covered.
What does it cover?
Four things, bundled. Cancelling before you go. Cutting the trip short once you've left. Medical care and getting you to it. And the everyday mess in between — delays, missed connections, a bag that went to Lisbon without you.
When should I buy it?
As soon as your arrangements are made. The earlier you buy, the longer your coverage window — and if you need coverage for an existing medical condition, you have 14 days from your first trip payment. That window doesn't reopen.
What does it cost?
Around 7% to 9% of your prepaid trip costs, or 10% to 12% with a cancel-anytime upgrade. It's priced on your trip cost and your age. Not your destination, not your medical history, not whether you've claimed before.
How much do I need?
Insure the full non-refundable cost. Every deposit, every prepaid night, every tour you've already paid for. It's the number that sets your limits, and it's a requirement for the existing-condition waiver.
Do I need it for this trip?
Ask yourself the worst that could realistically happen on this one. A refundable long weekend three hours up the coast, probably not. A villa paid for in January for August, a cruise, anywhere far from a hospital you'd want to use — yes.
Allianz's own quote tool, running on our agency credentials. No email, no call, no follow-up.
Or keep reading — the whole thing is below.
In this guide
The decision
What's the worst that could happen?
It's the only question worth asking. Picture the worst version of this particular trip going wrong. If the answer is a soggy afternoon and a lost umbrella, skip it. If the answer costs you five figures or lands you in a foreign hospital, here's what a plan actually does about it.
You've spent a lot, and it's not refundable
Worst case: a last-minute emergency forces you to cancel, and the money is simply gone.
What a plan does: reimburses your prepaid, non-refundable trip costs when you cancel for a covered reason.
Cruises and organized tours are the ones that catch people out — both become non-refundable well before you'd expect. So does a villa deposit paid seven months early, which is how most good summers get booked.
You're going abroad
Worst case: you get seriously ill or hurt, and you're paying out of pocket for it.
What a plan does: emergency medical benefits stand between you and the bill.
This is the one people get wrong most often. Your U.S. health insurance very likely doesn't travel with you, Medicare definitely doesn't, and hospitals overseas typically want payment up front. On a ship it's worse — most cruise lines don't take U.S. health insurance either, so it's the onboard clinic or an airlift.
You're going somewhere genuinely remote
Worst case: something happens in the middle of nowhere and you need to be moved.
What a plan does: arranges and pays for the evacuation, and for getting you home afterwards.
A safari camp, a small island, the Carretera Austral, a trek in the Himalayan foothills. Easy to get to now; still hard to get out of in an emergency. An evacuation to the nearest hospital can run $100,000 or more, and the benefit also covers flying a family member to your bedside if you're hospitalized more than seven days, and getting the children home if it's more than 24.
The date can't move
Worst case: something delays you and you miss the thing you went for.
What a plan does: pays to get you there another way, or to catch the ship up at the next port.
A best friend's wedding, a hundredth birthday, a sailing that leaves without you. If your carrier can't get you there within 24 hours of your scheduled arrival for a covered reason, trip cancellation benefits can cover alternative transport. If a covered delay makes you miss a cruise or tour departure, the plan may cover getting you to it.
You're traveling with children
Worst case: your child gets sick, and you're cutting the trip short.
What a plan does: covers their care, and reimburses the nights you never got to use.
Small children collect eight to twelve bugs a year. A runny nose won't end a holiday, but if it turns into something that needs a doctor, trip interruption benefits cover the unused portion and the flights home. And on OneTrip Prime and Premier, children 17 and under are covered free with a parent or grandparent — everywhere except policies issued in Pennsylvania.
Someone has an existing condition
Worst case: a chronic condition flares up and the trip doesn't happen.
What a plan does: covers it — but only if you bought the plan inside the window.
Most plans can cover losses caused by an existing condition, and almost nobody realizes it. The catch is the requirements, and the tightest of them is time. All four are below, and the clock started at your first deposit.
And when we'd tell you not to bother
Three hours up the coast, a rental that refunds in full, no flights, nothing prepaid. Or the train to a friend's place with a refundable ticket and nowhere to be. There's no real financial or personal risk in either, and a plan won't manufacture one. Don't buy it.
Just check what "refundable" actually means first. A refundable hotel rate doesn't make a non-refundable flight refundable, and an airline credit with an expiry date is not a refund.
The benefits
What does travel insurance cover?
A plan document reads like a wall because it's four different products bound together, each with its own trigger and its own limit. Read them in the order a trip actually happens and it comes apart in about a minute.
Before you go
Trip cancellation
You cancel before you leave, for a covered reason. The plan reimburses what you'd paid and can't get back — airfare, the vacation rental, the tour deposit, even the campground reservation.
Up to the maximum in your plan. It may not cover the full cost of your loss.
Once you've left
Trip interruption
You've gone, and something sends you home early or stops you mid-trip. Covers the part of the trip you paid for and never used, plus what it costs to get home or catch back up.
Set at up to 150% of your trip cost — because leaving early costs more than never going.
If you're hurt
Emergency medical, and getting to it
Two separate limits, and it matters that they're separate. One pays the hospital. The other pays to move you — to a facility that can actually treat you, or home with a medical escort once you're stable.
Transportation has to be pre-approved. Call the assistance line before you arrange anything.
In between
Delays, connections and bags
The unglamorous half of the policy and the half you're most likely to use. Travel delay, missed connection, and baggage — delayed more than 12 hours and the plan covers the essentials until it turns up.
If a bag is lost outright, you're paid the lowest of its actual cash value, the cost to repair it, or the cost to replace it.
Delays
The claim you're most likely to make.
Nobody buys travel insurance thinking about a delayed flight. Then you're six hours into one, you've given up on the airline, and you're paying for a hotel near the airport, a bad dinner and two taxis you hadn't budgeted for.
All of that is reimbursable. In practice it looks like this: a $30 ride to the hotel, a $140 room, a $26 dinner, an $18 breakfast the next morning and the ride back — covered up to $200 a day and $800 total on OneTrip Prime, or $200 a day and $1,600 on Premier.
The threshold is the part most guides get wrong, because it isn't one number. Three or more consecutive hours on OneTrip Premier. A covered carrier delay of five or more hours on Prime. Across the range it runs three to six hours depending on the plan, so check yours rather than assuming.
The covered reasons for a delay are their own shorter list: carrier delay, strike, quarantine, natural disaster, lost or stolen documents, hijacking, civil disorder, a traffic accident, or being denied boarding over a suspected contagious illness.
On Prime and Premier
SmartBenefits
A covered travel or baggage delay pays a flat $100 per person, per day — on proof of the delay alone. No receipts, no itemizing. Spend more than that and you can still claim the difference the ordinary way.
Do this before you leave the airport: ask the airline for written confirmation of the delay. It's what the whole claim rests on, and it is a great deal harder to get from your kitchen a week later.
Covered reasons
If a situation's not named, it's not covered.
That's the whole concept, and it's the one thing worth understanding before you buy anything. Your plan names specific covered reasons for cancellation, interruption and every other benefit. The list is finite for a straightforward reason: a policy that covered every conceivable scenario would cost too much for anyone to buy.
On the list
Work and legal
Job loss. Job relocation. Starting a new job — the one people assume is a change of mind and never think to claim. Also military duty, a first responder called in, a legal proceeding, and adoption.
Home and destination
An uninhabitable house or destination, a mandatory evacuation, severe weather. OneTrip Premier is the only plan that names a NOAA hurricane warning as a covered reason to cancel.
Getting there
A long travel delay, a car accident, a vehicle breakdown, a stolen car, a stolen passport, a refused visa, terrorism, hijacking, and missing half your trip.
Life
Pregnancy. A birth in the family. Separation or divorce. Hosts who can no longer have you. A tour or event that's cancelled.
Existing conditions, inside the window
Covered through the waiver on plans that include it, when every requirement is met. They're listed below.
Not on it
Anything you could see coming
The rule most people trip over. Losses from expected or reasonably foreseeable events aren't covered — once a storm is named, it's a known event and the door has shut on it.
The exclusions underneath
Even when your reason is named, the plan's general exclusions still apply on top. A covered reason is necessary. It isn't automatically enough.
Changing your mind
Standard cancellation covers the named list only. I'd rather not go isn't on it — that's the gap Cancel Anytime exists to fill.
A pet, a pet sitter, a friend
Named explicitly as not covered: your pet gets sick, your pet sitter or childcare falls through, or a friend or relative outside the plan's definition of family becomes ill or dies.
Existing conditions, if you waited
Miss the 14-day window and the exclusion stands. Same goes for non-refundable costs you add later and don't insure within 14 days of paying for them.
Trips longer than the plan allows
OneTrip Prime is built for trips up to 180 days. Annual AllTrips plans cap any single trip at 45 days, or 90 on AllTrips Premier.
The 72 hours nobody mentions
If you're canceling because you or your companion are ill, a doctor has to see you as soon as possible within 72 hours of the cancellation to confirm the decision. Cancel on a Friday, tough it out over the weekend, see someone on Tuesday — and you've got a paperwork problem that has nothing to do with how sick you were.
Cost
How much does travel insurance cost?
There's no rate card, because the premium is built from your trip rather than from a list. A conventional plan runs around 7% to 9% of your prepaid trip costs; add a cancel-anytime upgrade and it's 10% to 12%. On real numbers, that's this.
| Insured trip cost | Conventional plan (7–9%) | With Cancel Anytime (10–12%) | A trip at this level |
|---|---|---|---|
| $5,000 | $350 – $450 | $500 – $600 | A domestic week, or shoulder season abroad with flights and hotels prepaid. |
| $12,000 | $840 – $1,080 | $1,200 – $1,440 | A week in Europe with deposits already down. |
| $25,000 | $1,750 – $2,250 | $2,500 – $3,000 | A villa summer, or a suite on a good ship. |
| $40,000 | $2,800 – $3,600 | $4,000 – $4,800 | A safari, a charter, everyone's flights on one booking. |
What moves the number
Your trip cost and your age. That's essentially it.
Trip cost means the prepaid payments a supplier won't refund you — and it's usually more than people think, so check each supplier's terms rather than guessing. Age is entered individually for everyone on the plan, and it's priced on risk, so it rises as you get older. Your state of residence and the tier you pick finish the calculation.
What doesn't
Where you're going, and everything in your past.
Your cost is the same whether you're heading to Lisbon or Lima, Sydney or Samarkand. Trip length doesn't change the price either, though it does decide which plans you're eligible for. And nothing about your history counts — not your claims record, not a chronic condition, not the last thing you were treated for.
Two things worth knowing. Buying early costs no more than buying late, so there's nothing to gain by waiting — and the next section is a good reason not to. And the less a plan costs, the less it covers: lower limits, a shorter list of covered reasons, thinner medical protection.
When to buy
Right after you book. Not later.
The earlier you buy, the longer your coverage window — and the premium is identical either way, so waiting buys you nothing at all. It can cost you something, though, and here's the part that does it.
The 14-day window, and the four things it asks of you
Coverage for an existing medical condition is available on most plans, and it's the one benefit with a deadline attached. To qualify you need all four of these.
01
Buy the plan within 14 days of your first non-refundable trip payment or deposit — or whatever window your plan specifies.
02
Insure the full non-refundable cost on that date, including anything that becomes non-refundable later. Add new costs within 14 days of paying them.
03
Be a U.S. resident when you buy.
04
Be medically able to travel that day. If you've had recent treatment, it's worth asking your doctor for written approval.
What counts as an existing condition
Anything that, in the 120 days before and including the day you buy, sent someone to a doctor, showed symptoms, or needed a prescription — unless the condition is controlled by that prescription and the prescription hasn't changed.
Read that with a specific person in mind, because it isn't only about you. It covers a traveling companion, and family members whose illness might be the reason you cancel. A parent's diagnosis six weeks before you booked is inside the window.
If you're booking in pieces, like everyone does
The clock starts at your first payment. Not final payment, not departure.
Day 0. The villa deposit goes down. Your 14 days have started, flights booked or not.
Inside 14 days. Buy the plan and insure everything you know you'll spend — the deposit plus the flights, hotels and tours you intend to book. Estimating high is fine.
After that. Every new non-refundable cost has to go on within 14 days of paying it. This is the step people miss, and it's what quietly voids the waiver on the biggest part of the trip.
The upgrade
Cancel for any reason, precisely.
There's no CFAR product on these plans. There's an upgrade called Cancel Anytime, it's more generous than most cancel-for-any-reason cover on three specific counts, and it's also more conditional than the name suggests.
What you get
80%, for almost anything.
It reimburses 80% of your unused, prepaid, non-refundable trip costs when you cancel for almost any unforeseeable reason your plan doesn't already cover.
Where you get it
Prime and Premier only.
A paid upgrade on OneTrip Prime and OneTrip Premier, chosen at the quote stage. Not available in every state — put your state of residence in when you quote and you'll see.
Against the category
Better on three counts.
Most CFAR products pay 50% to 75% and make you cancel at least 48 hours out. This pays 80% and lets you cancel as late as your departure day, as long as you haven't left. Expect it to add roughly half again to the premium.
The three conditions
Insure the full cost of the trip within 14 days of your first deposit. Your departure has to be at least 30 days away when you buy. And you have to cancel before you go — the morning of departure is fine, the airport is not.
How to decide
Standard cancellation already pays up to 100% for a named reason, and the named list is long. So the question is simply whether you can think of a reason you might genuinely pull out that isn't on it. If you can — a work situation, a family situation, second thoughts about a region — it's worth the money. If nothing comes to mind, you're buying a hypothetical.
Asked first, every time
Doesn't my credit card already do this?
Sometimes, partly, and for a refundable weekend at home it can be all you need. The comparison takes ten minutes if you look in four places instead of reading the whole benefits guide.
01 Primary or secondary?
The variable nobody explains, and the one that decides how much any of this matters. Secondary coverage pays only what your own insurance won't — so you file with your health insurer, wait, get part of it or none of it, then file again. Primary pays first, without the round trip. Most card benefits are secondary. Single-trip plans are primary; annual plans are secondary. Check which one you're holding before you assume you're covered.
02 Medical and transportation
Where the gap is widest. Card benefits carry little or no emergency medical and rarely any transportation at all. A comprehensive plan carries both, as separate limits — $50,000 and $500,000 on OneTrip Prime, $75,000 and $1,000,000 on Premier.
03 The cancellation cap
Capped per traveler, usually at a number designed for a long weekend rather than an itinerary with deposits paid months out. Compare it against your actual non-refundable total, not against the price of the trip.
04 The conditions attached
The trip generally has to be paid for on that card, existing conditions are typically excluded with no waiver to buy into, and the covered-reason list is usually shorter.
And your health insurance?
Worth the same ten minutes. Most U.S. plans do very little abroad, Medicare does nothing at all outside the country, and almost none of them will pay to fly you home. The State Department is blunt about its own role: they don't pay medical bills, and the hospital is your responsibility.
Call your provider and ask three specific things. Am I covered abroad. Do you pay the hospital directly or reimburse me afterwards. Do you cover evacuation. Then quote the same trip and compare. Either answer is a good answer — what you want is a decision instead of an assumption.
Choosing
Which plan, in four questions.
Answer these and you've already made every decision the quote is going to put in front of you.
How much of this can't you get back?
Deposits, prepaid hotels, tours, non-refundable fares. That total is what you insure, and it sets your cancellation and interruption limits. If genuinely everything refunds, look at a medical-only plan instead — there is one.
How far are you from a hospital you'd actually use?
A European capital is one calculation. A ship, a small island, a safari camp, a mountain out of season is another. The further out you are, the more the medical and transportation limits should pick your tier — that's where Premier's $75,000 and $1,000,000 earn their keep.
How many trips this year?
Three or more and an annual AllTrips plan is usually the cheaper answer. Check the single-trip cap first — 45 days on most, 90 on AllTrips Premier — and remember annual plans are secondary on medical where single-trip plans are primary.
Can you name a reason to cancel that isn't on the list?
If yes, price Cancel Anytime. If nothing comes to mind, don't. It's the only question here where the honest answer is usually no, and answering it honestly saves you about half a premium.
| Benefit | Cancellation Plus | Basic | Prime | Premier |
|---|---|---|---|---|
| Trip cancellation | $5,000 | $10,000 | $100,000 | $200,000 |
| Trip interruption | $5,000 | $10,000 | $150,000 | $300,000 |
| Emergency medical | — | $10,000 | $50,000 | $75,000 |
| Emergency medical transportation | — | $50,000 | $500,000 | $1,000,000 |
| Travel delay (daily / total) | $150 / $150 | $150 / $300 | $200 / $800 | $200 / $1,600 |
| Baggage loss or damage | — | $500 | $1,000 | $2,000 |
| Baggage delay | — | $200 | $300 | $600 |
| SmartBenefits (no receipts) | — | — | $100/day | $100/day |
| Trip Change Protector | — | — | $500 | $1,000 |
| Cancel Anytime available | — | — | Yes | Yes |
| Kids 17 and under free (with parent or grandparent) | — | — | Yes — not in PA | Yes — not in PA |
Prime is the most popular plan and the right answer for most trips. Premier does everything Prime does, roughly doubles the post-departure limits, and adds more reasons you're allowed to cancel — including a NOAA hurricane warning, which no other plan names. If you're cruising, or going somewhere a storm could realistically end the trip, that's the one.
Get a quote
Five minutes, and nothing to fill in afterwards.
Allianz's own quote tool, running on our agency credentials. Same plans, same prices you'd find anywhere. Booking it through us just means the policy sits with an agency that already knows your itinerary and your dates — which matters at 2am in a country where you don't speak the language.
Have these ready
- Your destination, your dates, and your state of residence.
- The age of each traveler, entered individually.
- Total trip cost — everything prepaid and non-refundable.
- The date of your first trip payment, which started the 14-day clock.
Nothing is charged until you pick a plan and buy it.
A real Allianz quote for your exact trip — plans and prices straight from Allianz, opened right here on the page.
No email, no account, nothing saved — about five minutes.
Claims
If it happens, do these four things.
A claim is you submitting proof of what you lost. Which means ten minutes of admin while it's actually happening is worth more than any amount of explaining afterwards.
01
Call before you spend
Every plan includes a 24-hour assistance line, by phone or through the Allyz app. They can find you a doctor, arrange payment with the hospital, translate, and rebook flights. Calling first is often the difference between them paying the provider and you paying it — and medical transportation has to be pre-approved regardless.
02
Get it in writing, now
Written confirmation from the airline. The baggage report and its file number. The doctor's note and the itemized bill. And if you're canceling for illness, see a doctor within 72 hours.
03
Keep every receipt
Meals, the hotel, the taxis, the things you buy because your bag is in another country. Photographs of receipts count. Claim what you actually spent.
04
File it properly
Online or in the app, with your itinerary and cost breakdown, proof of payment, the supplier's cancellation terms, any refund already issued, and proof of what happened. Reimbursement isn't instant — the review takes as long as the paperwork takes.
Where claims fall down
Squaremouth, which sells plans from most of the major providers, publishes the four reasons it sees claims denied most often: the plan was bought after the event was already foreseeable, the scope of coverage was misunderstood, the receipts and reports were never kept, or an eligibility requirement wasn't met. All four are addressed somewhere above, which is the point of the whole page.
FAQs
Everything else people ask us.
Does travel insurance cover flight delays?
Yes, once it passes your plan's threshold for a covered reason — three or more consecutive hours on OneTrip Premier, five or more on Prime, and three to six hours across the range. Meals, accommodation, local transport and communication become reimbursable up to a daily and total cap. Prime and Premier also include SmartBenefits, which pays $100 per person per day on proof of the delay alone, no receipts needed. Ask the airline for written confirmation before you leave the airport.
What counts as a non-refundable trip cost?
Anything prepaid that the original supplier won't give back: airfare and rail, hotels and vacation rentals, transfers, tours and excursions, event tickets, lift passes. On a cruise, add prepaid gratuities, drinks and dining packages, spa, Wi-Fi and shore excursions — plus taxes, fees and port charges, which run another 15–20% of the fare and which almost nobody remembers to count. Leave out things you haven't paid for yet and anything you bought for the trip, like clothes.
When is it too late to buy?
Two different deadlines get muddled here. You can generally buy a plan any time before you leave. But the 14-day window from your first trip payment is what makes you eligible for the existing-condition waiver and for Cancel Anytime, and that window doesn't reopen. So it's rarely too late to buy something — often too late to buy the version you wanted.
Does my health insurance cover me overseas?
Far less than most people assume, and Medicare doesn't cover you outside the United States at all. Hospitals abroad usually want payment up front and won't take a U.S. plan, and very few domestic insurers will pay to fly you home. Call yours and ask three things: am I covered abroad, do you pay the hospital directly or reimburse me, and do you cover evacuation.
Cancellation or interruption — what's the difference?
Timing. Cancellation applies before you leave and reimburses prepaid, non-refundable costs. Interruption applies once you've gone and covers the unused portion plus the cost of getting home or catching back up. Interruption limits sit at up to 150% of trip cost on OneTrip plans, because cutting a trip short costs more than never starting it. And a delay can turn into an interruption claim once you've lost more than half the total length of the trip.
If I cancel, do I actually get my money back?
If you cancel for a covered reason, yes — up to the maximum in your plan, which may not be the full cost of your loss. If your reason isn't on the named list, that's what Cancel Anytime is for, at 80%. And if you're canceling because of illness, remember the 72-hour rule: a doctor has to see you within 72 hours to confirm it.
My flights are refundable. Do I still need a plan?
Maybe not — this is genuinely the case where we'd tell you to skip it. Check two things first, though. Whether the refund goes to your card or to an airline credit with an expiry date. And whether the rest of the trip is refundable or only the flights. Cancellation is one benefit of four; medical, transportation and delay don't care how refundable your fare was.
Do we need it for a cruise?
We'd treat that as a yes. The fare is paid in full months ahead and goes non-refundable early, the ship leaves without you if your flight is late, and the onboard clinic stabilizes rather than treats — most cruise lines don't take U.S. health insurance either, so it's the clinic or an airlift. Getting sick on a ship can cost more than the holiday did.
Who's actually covered by the plan?
Everyone named on it, and only them. Which matters more than it sounds, because your plan's definition of "family member" is what decides whose illness counts as a covered reason for you to cancel — and it's narrower than most people's idea of family. On Prime and Premier, children 17 and under travel free with a parent or grandparent, except on policies issued to Pennsylvania residents.
Does it cover pregnancy?
A birth in the family is a named covered reason. A pregnancy you already know about when you buy is generally treated as an existing medical condition, which brings the waiver and its 14-day window into it. This is exactly the kind of question where your plan document is the only real answer — read it before you buy, not after.
What if a tour operator or airline goes under?
That's supplier default, and it's covered on some plans and not others — and only for suppliers on the covered list. If a supplier's finances are a live question for your trip, check that list before you buy rather than after.
Can Spellbound help me file a claim?
Claims are handled entirely by Allianz — we're not licensed to adjust them or interpret your coverage, so we can't file one for you or lean on the outcome. What we can do is tell you exactly what the claim will need, chase suppliers for cancellation letters and invoices, and make sure the file is complete before it goes in. Which is usually where claims are won or lost.
Who put this together
Spellbound Leisure.
Part magazine, part little black book, part booking boutique — a handpicked collection of the world's best hotels, tours and experiences, bookable with VIP perks and no booking fees, plus itineraries designed with intention when you'd rather have the whole thing handled.
We're an appointed Allianz agency, which is why this page exists in this form. Insurance is the least glamorous thing we explain to anyone and the thing they thank us for most, so it lives here as a page rather than an email. Free, ungated, for whoever needs it.
The List
More where this came from.
The rooms that aren't on the booking engine. The chef who only takes referrals. The room category Spellbound clients never get bumped from. Sunday mornings, one email.
Unsubscribe any time. Never shared.
Sources
Every limit, threshold and requirement above is Allianz's published figure for the plan named, checked on the date this page was last updated. Plans change and vary by state; your plan document is always the authority.
- The complete guide to travel insurance — named perils, cost factors, when to buy
- When does it make sense to buy — the six cases, the one to skip, evacuation costs
- Find a plan — the full OneTrip and AllTrips line-up
- OneTrip Prime — benefits, SmartBenefits, 180-day trip length, free kids
- OneTrip Premier — medical and transportation limits, 3-hour delay threshold, NOAA hurricane warning
- Covered reasons explained — the named list, foreseeable events, general exclusions
- Covered reasons for travel delay — the shorter delay list
- Trip delay explained — the worked example and the 5-hour Prime threshold
- SmartBenefits — $100 per person per day, no receipts
- Cancel for any reason — the comparison against CFAR
- Cancel Anytime — 80%, the 14-day and 30-day conditions
- Existing medical conditions — the requirements and the 120-day definition
- Cost factors — what does and doesn't affect price
- What it should cost — the 7–9% and 10–12% ranges
- Calculating trip cost — what to include, and cruise port fees
- Annual vs single-trip — trip length caps, primary vs secondary medical
- Claims center — the process and required documentation
Important disclosures
This page is general information, not advice about your circumstances and not a description of your coverage. Spellbound Leisure, LLC is an appointed agency of Allianz Partners (ACCAM F206061) and is not an insurer, insurance producer, or claims adjuster. We do not underwrite, bind, price, or adjudicate coverage, and we are not qualified or authorized to answer technical questions about the terms and conditions of the plans described here. Any quote, plan document, purchase, and claim is between you and Allianz. Read your plan document before you buy — it governs, and this page does not.
Terms, conditions, and exclusions apply, including for pre-existing conditions. Insurance benefits are underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated "A" (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated "A+" (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Travel Insurance is a mark of AGA Service Company dba Allianz Partners or its affiliates. Allianz Partners compensates their suppliers or agencies for allowing Allianz Partners to market or offer products to customers of the supplier or agency. Allianz Travel Insurance products are distributed by AGA Service Company, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com. ©AGA Service Company. All rights reserved.