Why are more globe hoppers and jet setters checking the box next to “travel insurance” when booking their next trip? It starts with education. The educated traveler is empowered to make smart travel decisions including where to book airfare and hotels, and whether or not to insure their trip against a potential slew of travel disruptions. Travel Insurance 101 is your hub for everything you need to know about travel insurance, from the core benefits to know to the nuanced plan details to reread. So put down that in-flight magazine and pick up some helpful tips written with all types of travelers in mind.

Travel Insurance 101: How Travel Insurance Works:

Maybe you’ve never used travel insurance before. Or maybe you’ve just purchased travel insurance, and now you’re scrolling through your policy documents, wondering what it all means. We’re here to help!
This guide explains the basics: how travel insurance works, how to choose a plan, and how to get the most out of your coverage.

What Is Travel Insurance?
Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

In addition to financial protection, the other huge benefit of travel insurance is access to assistance services, wherever you are in the world. Our elite team of travel and medical experts can arrange medical treatment in an emergency, monitor your care, serve as interpreters, help you replace lost passports and so much more. Sometimes, they even save travelers’ lives.

A few things you should know about travel insurance:

• Benefits vary by plan. It’s important to choose a plan that fits your needs, your budget and your travel plans. Here are definitions of all available travel insurance benefits.
• Travel insurance can’t cover every possible situation. Allianz Global Assistance offers named perilstravel insurance, which means it covers only the specific situations, events, and losses included in your plan documents, and only under the conditions we describe.
• Travel insurance is designed to cover unforeseeable events— not things you could easily see coming, or things within your control. If, for example, you wait to buy insurance for your beach trip until after a named hurricane is hustling toward your destination, your losses wouldn’t be covered.