Trip insurance

Allianz Global Assistance trip insurance for U.S. residents
When the unexpected occurs, be prepared with trip insurance
Top reasons to buy trip insurance
- Financial coverage when plans change due to reasons such as covered illness, job loss, severe weather and more
- Reimbursement of prepaid, non-refundable expenses for covered trip interruptions/cancellations or essential items purchased on your trip if luggage is delayed
- Emergency medical/dental benefits for covered illness or injury while on your trip
- Rental car damage or theft coverage
- 24/7 assistance hotline and concierge services

Trip insurance coverage overview
Trip insurance from Allianz Global Assistance is designed for your specific travel needs.* You can choose trip insurance when you buy your flight or you can learn more now and get an instant quote.
Single Trip Plans
- Trip Protector
- Rental Car Damage Protector
Multi-Trip / Annual Plans
- Best value for frequent travelers
- All travel (including AAdvantage® awards)
Trip insurance benefits are displayed per person and are reflective of standard products offered by Allianz Global Assistance; other products may be offered at point of purchase that are more tailored to the flight itinerary details. Products offered during flight purchase may provide different benefits than those found in this chart or on the Allianz Global Assistance site.
Trip Protector
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Premium
Includes:
- Trip cancellation – Up to trip cost (max. $10,000)
- Trip interruption – Up to trip cost (max. $10,000)
- Emergency medical – up to $10,000
- Emergency dental – up to $500 / $50 deductible
- Emergency medical transportation – $50,000
- Travel delay – $150
- Change fee coverage – $150
- Baggage delay – $100
- Baggage loss / damage – $500
- Existing medical condition coverage
- 24-hour hotline
- Concierge
Rental Car Damage Protector1
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Premium
Includes:
- Collision / loss damage – Up to $40,000
- 24-hour hotline
Award Trip Protector
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Premium
Includes:
- Trip cancellation – $2002
- Trip interruption – $5002
- Travel delay – $300
- Baggage delay – $200
- 24-hour hotline
Award Trip Protector Select
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Premium
Includes:
- Trip cancellation – $2002
- Trip interruption – $1,2002
- Miles redeposit fee - $300
- Emergency medical – up to $10,000
- Emergency dental – up to $500 / $50 deductible
- Emergency medical transportation – $50,000
- Travel delay – $500
- Baggage delay – $300
- 24-hour hotline
- Concierge
1 Coverage is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage.
2 Includes change and reinstatement fees
Trip insurance benefits are displayed per person and are reflective of standard products offered by Allianz Global Assistance; other products may be offered at point of purchase that are more tailored to the flight itinerary details. Products offered during flight purchase may provide different benefits than those found in this chart or on the Allianz Global Assistance site.
Annual Basic
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Premium
Includes:
- Emergency medical – up to $20,000
- Emergency dental – up to $500 / no deductible
- Emergency medical transportation – $100,000
- Travel delay – $500
- Baggage delay – $200
- Baggage loss / damage – $1,000
- Existing medical condition coverage
- Collision / loss damage – $45,000
- Travel accident – $25,000
- 24-hour hotline
- Concierge
Annual Deluxe
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Premium
Includes:
- Trip cancellation – Trip costs up to $2,000 (per year)
- Trip interruption – Trip costs up to $2,000 (per year)
- Emergency medical – up to $20,000
- Emergency dental – up to $500 / no deductible
- Emergency medical transportation – $100,000
- Travel delay – $500
- Baggage delay – $200
- Baggage loss / damage – $1,000
- Existing medical condition coverage
- Collision / loss damage – $45,000
- Travel accident – $25,000
- 24-hour hotline
- Concierge
Benefits are provided on a per trip basis unless otherwise noted.
Coverage and benefits may vary by state.
Coverage is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage. CDI coverage, except when purchased as a separate policy, is not available to New York and Texas residents.
Review period
If you're not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. Plans are non-refundable after this period.
Additional assistance
Need help?
Insurance benefits underwritten by BCS Insurance Company, or Jefferson Insurance Company, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, 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. 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.
PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to New York and Texas residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:
California residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.
New York residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer's expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer's compensation, except as otherwise provided by law.
Maryland residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.
Texas residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.
*Terms, conditions, and exclusions apply. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured's state of residence. AGA Service Company is the licensed producer and administrator of these plans.