It’s comforting to know that your travel insurance plan will be there for you when you need it. Whether it’s a vacation, a business trip, or a weekend shopping spree, you can rely on valuable travel insurance benefits so you can enjoy a worry-free get away. And if something sudden and unforeseen does occur, you’ll know exactly how your benefits work.
When it comes to educating yourself about travel insurance, it’s helpful to understand and differentiate between the key benefits that are typically included in travel insurance plans. This will allow you to consider which risks are important to you so you can choose the right coverage for your travel needs.
Depending on which travel insurance plan you choose, options will generally include either one, a combination of, or all of the benefits below.
Note that the benefits described reflect those offered by Allianz Global Assistance on this site and do not represent all travel insurance offerings in general.
In case you become sick or injured on your trip…
Plans offered by Allianz Global Assistance with benefits for Emergency Medical and Dental include:
In case you need to cancel your trip before you leave…
In case you need to return early or get delayed beyond your original return date
In case your bags are lost or stolen…
In case your bags are delayed…
In case you need help while travelling…
Plans offered by Allianz Global Assistance with benefits for Trip Cancellation, Interruption and Delay, as well as Lost, Stolen or Delayed Baggage, include:
This list is by no means exhaustive, and each benefit type described will have its own unique conditions that outline which situations are covered, and which are not. As always, the best way to fully appreciate how a travel insurance plan can help you is by reading the policy wording for the plan that is most suitable to your travel needs.
Still have questions about what travel insurance covers and how benefits work? Simply call Allianz Global Assistance at 1-844-310-1578 and we’ll be happy to assist with any questions you have.
What's not covered?
Being clear on the benefits and exclusions of your travel insurance policy can be empowering. Not only does it provide you with the advantage of making thoughtful, informed decisions about your travel insurance purchase, it also ensures there are no surprises if you need to file a claim.
In the simplest of terms, the intent of travel insurance is to cover events that are completely unexpected or unforeseen.
However, like all types of insurance, travel insurance policies include descriptions of what exactly is and isn’t covered.
Every travel insurance policy will contain wording that outlines exclusions – the situations that won’t be covered by your policy. These exclusions are just as important to understand as the eligible coverages, because travel insurance won’t cover every situation.
Within your policy, each benefit type will include exclusions specific to that benefit.
For policies offered by Allianz Global Assistance on this site, the following is an example of an exclusion specific to Medical benefits:
a) routine pre-natal or post-natal care; or
b) pregnancy, childbirth, or complications thereof after the 31st week of pregnancy; or
c) high-risk pregnancy.
Your policy will also include General Exclusions that apply to every benefit in your policy.
The following is an example of a General Exclusion that would apply to all benefits within in the Medical + Cancellation Plan offered by Allianz Global Assistance:
It’s important to review both benefit-specific and general exclusions when reviewing your benefits.
Still have questions about what travel insurance doesn’t cover and how policy exclusions work? Simply call Allianz Global Assistance at 1-844-310-1578 and we’ll be happy to assist with any questions you have.
Pre-Existing Condition Exclusions
A common exclusion in travel insurance plans is for pre-existing medical conditions. This exclusion relates to medical conditions that existed before the effective date of your policy. Exclusions such as these are in place because an incident while on holiday that is related to a medical condition you had previously, isn’t considered unexpected, sudden or unforeseen.
Depending on your age and the length of your trip, the pre-existing condition exclusion will require that any previous medical conditions you have must be stable for a specified period of time before the effective date of your policy, for example, 90 or 180 days.
In the travel insurance policies offered by Allianz Global Assistance through this site, the defined term “stable” describes any medical condition or related condition, including any heart condition or lung/respiratory condition, for which:
a) there has been no new treatment; and
b) there has been no change in treatment or change in treatment frequency or type; and
c) there have been no signs or symptoms or new diagnosis; and
d) there have been no test results showing deterioration; and
e) there has been no hospitalization; and
f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of investigations performed by any medical professional.
If a medical condition is not stable within the specified period, and you need to file a claim for something related to that same medical condition before or during your trip, your claim will not be covered.
Still have questions about how pre-existing condition exclusions work? Simply call Allianz Global Assistance at 1-844-310-1578 and we’ll be happy to assist with any questions you have.
Notification of Treatment
Beyond benefit-specific and general exclusions, it’s also important to be aware of the notification periods outlined in the travel insurance policy. Travellers may be required to notify their travel insurance provider immediately if they need to seek medical treatment, or within 24 hours in the case of an emergency. Failure to do so could lead to only a portion of the claim being payable, typically limited to 70-80% of the claim.
Reading your travel insurance policy is the best way to familiarize yourself with what is and isn’t covered. If you have an existing medical condition and you're concerned how it might affect your coverage, or if you have questions about the benefits and limitations described in your policy, you can call Allianz Global Assistance at 1-844-310-1578 and one of our licensed associates will be happy to help.
Travel insurance does not cover everything. Please refer to the policy wording for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Please note that remuneration may be payable to the distributor of this insurance.