Table Of Content
- Travel insurance can cover baggage loss, damage and delays.
- Cruise travel insurance may help if COVID-19 disrupts your travel plans
- Trip Interruption Coverage
- Popular Travel Insurance Plans
- Costs can mount quickly when things go wrong
- Travel insurance for cruises can reimburse you in case of a last-minute cancellation.
- Cancel for any reason (CFAR) coverage
A cruise line insurance policy usually includes trip cancellation insurance, which covers common reasons for cancellation such as an unexpected weather event or illness. While reimbursement for covered cruise cancellation is usually the most top-of-mind travel insurance benefit for a majority of cruisers, Allianz Travel Insurance offers much more value beyond that. Since safe cruising can be weather-dependent, this is a valuable benefit to have. It can also be extremely helpful if a traveler’s flight to their cruise embarkment is canceled or delayed, causing them to miss part of their cruise.
Travel insurance can cover baggage loss, damage and delays.
It adds considerably to the standard policy cost—as much as 40 percent—but for some people it could be worth the upgrade. Medical coverage is important to look into because many health insurance policies do not cover international travel. Be aware that the policy offered by the cruise line may not cover pre- or post-cruise expenses— meaning any airline, hotel, or transportation costs that you did not book through the cruise line. Additionally, with cruise line policies, if your cruise is canceled or disrupted, your “reimbursement” may be in the form of future cruise credit rather than cash. Make sure to read the fine print and weigh the convenience, price, and inclusions when considering the cruise line’s plan.
Cruise travel insurance may help if COVID-19 disrupts your travel plans
There’s a maximum limit for this benefit, and certain items are excluded, so read your plan for details. If you buy travel insurance for your cruise, are excursions covered as well? "The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website.
Trip Interruption Coverage
For many travelers who choose to go on cruises, the experience is smooth sailing. For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average. After our analysis, we've determined these are some of the best cruise insurance options available. Of course, there's much more than just this list that cruise insurance can cover. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.
Allianz Travel Insurance review: Is it a good option for your next trip? - CNBC
Allianz Travel Insurance review: Is it a good option for your next trip?.
Posted: Tue, 06 Feb 2024 08:00:00 GMT [source]
Allianz Travel Insurance Review: Is it Worth The Cost?
AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance. Cruise lines also offer their own travel insurance plans, and most travelers have an opinion about which they like best. It doesn’t matter if you booked the excursion with the cruise line or an independent operator, as long as you included the cost of the excursion in your total trip costs when you purchased travel insurance. While travel insurance plans cover a wide variety of problems, every policy has exclusions. Here are examples of exclusions in the Allianz OneTrip Prime Plan.
Popular Travel Insurance Plans
For example, for Florida-based ships, nonvaccinated travelers may opt to satisfy a range of cruise requirements including regular COVID-19 testing and producing proof of travel insurance. With cruise travel insurance, you don’t have to sweat unexpected delays and missed connections. Serious medical emergencies may require a medical evacuation, which can mean being airlifted off the ship to the nearest hospital. According to the Centers for Disease Control (CDC), this can cost as much as $100,000—and that’s for the medical evacuation alone.2 Once you arrive at the hospital, prepare to pay upfront for services rendered. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.
Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.
Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent. And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.
Cancel for any reason (CFAR) coverage
The Executive plan is specifically designed for business travelers since it offers protection for business equipment. The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Cutting a trip short for reasons that aren’t listed in the policy aren’t covered, unless you have already purchased “interruption for any reason” travel insurance. You generally must buy it within 15 to 20 days of making your first trip deposit. Benefits don’t kick in until you are a specified amount of time into your trip, for example 48 or 72 hours.
Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.
If you’re worried you may have to cancel your trip for reasons not listed in the policy, think about getting the Prime or Premier plan and add the “cancel anytime” upgrade. For those who aren’t concerned about cancellation or interruption coverage and have few prepaid expenses, the Emergency Medical plan is worth checking out. It’s tough to relax if you’re worried about bad weather, illness, lost luggage, missed flights, theft or international emergencies. A top-flight cruise travel insurance policy, such as the plans offered by Allianz Travel Insurance, can offer recourse for the unexpected.
Often cruise lines offer special rates that cannot be displayed to the general public. By registering with Cruise.com you will be able to view these special rates and offers. You also should know that your insurance does not cover losses resulting from the use or abuse of alcohol or drugs, or any related physical symptoms. Keep this in mind, if you participate in a cruise excursion that combines alcohol with swimming, water sports or other activities. In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.
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