Travel Insurance FAQs
Below are some common misconceptions we have heard from our clients.
Do I really need trip insurance?
Doesn't my health insurance plan already cover me?
No, not always. You won't typically have adequate protection far away from home, especially for medical care abroad or at sea. Travel insurance covers these gaps and safeguards you against unexpected events, ensuring peace of mind and financial security wherever your journey takes you.
I think I have travel insurance through my credit card.
Yes, credit card travel insurance is a travel benefit included with certain credit cards, but benefits vary greatly by card and there is usually a limit. Before your trip, be sure to review credit card coverage limits and covered benefits to determine if additional coverage is needed.
Do people actually get claims approved?
Yes, absolutely! If clients cancel for a covered reason, their claims are almost always approved. We work closely with our preferred suppliers to help you navigate the claims process.
Client testimonials
Surgery in Switzerland
At the beginning of their family cruise, Lali became very ill and had to have surgery abroad. Fortunately, the family had purchased travel protection and were able to recover the significant costs incurred. Read the story here.
Death in the Family
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Severe Weather
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Here's something we know for sure: Life Happens!
I'm the caregiver for a loved one and may need to cancel a trip, is that covered?
Things change. With travel insurance, you can recoup your investment and reschedule your trip.
What if my daughter finds out she's pregnant and the due date is during my trip?
Travel insurance reimburses prepaid, non-refundable trip costs if you have to cancel for a covered reason, like an important life event.
My roommate has to cancel, but I still want to go. Do I have to pay more?
With the right travel insurance, you will not be responsible for the additional cost of the cabin.
What if I need medical attention during an overseas trip or on a cruise?
Our insurance partners make it easy to find a doctor or use telehealth while you're abroad and cover your trip home, if medical evacuation is needed.
What if my babysitter cancels at the last minute?
We really hope this doesn't happen, but travel insurance can protect against this type of unpredictability.
What if severe weather leaves my home uninhabitable right before I'm supposed to leave for a trip?
You can't really enjoy a vacation when you know your house is unsecured. With travel protection, you can take care of renovations and plan a new adventure when it suits you.
What if my trip itinerary changes after I've paid, and it's not acceptable for me?
Unforeseen things can happen but you don't always have to settle if you have travel insurance.
What if my bags are lost, stolen or delayed? Will the insurance pay for new clothes?
Bag mishandling happens...a lot! And yes, it's covered!
What if my flight is cancelled and the airline won't help me?
You deserve compensation and travel insurance will cover additional expenses.
To learn more about how travel insurance works, check out Allianz Travel Insurance 101 or speak to your Crak Your Bags travel advisor.
