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

FAQs

What is a covered reason for trip cancellation? | Allianz Global Assistance? ›

Answer: The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member.

Here are some examples: The unexpected death, sickness or injury of you, a travelling companion, or a family member. You need to attend the birth of a family member's child. Travel carrier cannot get you to your destination due to a natural disaster or severe weather.

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.

Some examples of covered reasons could be: 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.

Depending on the policy and reason you need to cancel, you can be reimbursed for expenses such as accommodation, unused flights, car hire and excursions that you have already paid for. Policies differ between providers, but cancellation cover usually includes: An injury or illness that prevents you from travelling.

As long as the reason for cancellation is covered under your policy, you can submit a claim for reimbursem*nt up to a certain amount. Some providers offer reimbursem*nt of over 100% of your covered trip expenses, but the amount will depend on your plan choice.

Submit your claim.

The easiest way to submit the claim is by visiting the Allianz Global Assistance online claim management tool. You may also call 1-866-884-3556 to get the ball rolling over the phone. Either way, you'll want to have all your plan information at hand.

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.

Any appropriate documentation that officially explains the cause of your trip cancellation or interruption. Any explanation of medical diagnosis along with your original itemized bills, receipts, and proof of other insurance payments.

What is cancel for any reason? ›

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you've already paid; percentages vary by provider).

Cancellation generally covers you for the cost of cancelled flights, hotels, visas, tours/excursions, paid-for activities or sports, and prepaid meals, less applicable excess. This is all assuming that the expenses cannot reasonably be recovered from any source.

Travel insurance usually includes holiday cancellation cover in case your trip is cancelled for reasons beyond your control – illness or the death of a close family member, for example.

Reasons to consider canceling your insurance policy:

You believe you're paying too much for insurance. Your business has changed, and you need different coverage. You're moving out of state, and your current insurer doesn't offer policies in your new location. You're unhappy with the service your insurer provides.

The unexpected death, illness, or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician. The hospitalization or death of a non-traveling family member.

Airlines will often post about flight disruptions like cancellations on their websites. The reason may be stated there, and if not, you can always contact the airline directly by phone or live chat to confirm. Passengers can also use an airline's online system to check for cancellations and the associated cause.

CFAR coverage typically reimburses up to 75% of your nonrefundable trip costs when you cancel a trip. But you have to cancel at least 48 hours before your scheduled departure if you hope to file a successful CFAR claim.

Each travel insurance provider institutes its own limitations on how far away from your initial trip deposit you can upgrade to CFAR-level insurance. You typically need to purchase travel insurance between 14 to 21 days from your initial trip payment to qualify to add CFAR coverage.