San Simeon Travel FAQ
Travel Protection -
Allianz Travel Protection
What is travel protection? How is it different from travel insurance? Why buy coverage? What does it cover? These are just a few of the questions you might have as you explore the advantages of buying travel protection for your next trip.
If you have questions about the products we offer and how they'll work for you, this section should give you the answers you need to make your decision.
If you have other questions for us, you can call us toll-free at 1-800-266-3359. You can also email your questions to us. We're happy to help you.
Why do I need travel protection?
What does travel protection cover?
Won’t my credit card, homeowner’s policy, or medical insurance give me the coverage I need when I’m traveling?
What will the 24-hour hotline service do for me?
When is the best time to purchase travel protection in order to be covered?
If I cancel my trip, do I get all of my money back?
Questions about the Existing Medical Condition Coverage
Who provides the insurance for these plans?
What is travel insurance?
Underwriters
For additional information, please call 1-800-266-3359.
Why do I need travel protection?
You need travel protection because it lets you travel with a strong sense of security. Travel protection insures your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason, and it guards your health in case of medical emergencies. Here are a few of the benefits you'll enjoy:
- Reimbursement of the non-refunded portion of your travel investment if your trip is cancelled or interrupted for a covered reason
- 24-hour access to emergency medical referrals and assistance
- Reimbursement for unexpected travel expenses
- Protection in case of medical emergencies
- Arrangement of and payment for Emergency medical transportation
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What does travel protection cover?
The insurance component of travel protection assures that you'll be reimbursed for non-refundable financial expenses associated with a cancelled or interrupted trip due to a covered reason, lost baggage, or medical emergencies. (Exclusions, restrictions and limitations may apply, depending upon the plan you purchase). Coverage may include the following:
- Trip Cancellation provides reimbursement for non-refundable trip payments and deposits if you mush cancel your trip before you get started.
- Trip Interruption provides reimbursement for non-refundable trip payments and out-of-pocket expenses if your trip in interrupted after you have left.
- Emergency Medical Transportation arranges and pays for the cost to medically transport you to an appropriate medical facility to receive care and to get you home after you have received care.
- Emergency Medical / Dental Coverage pays for the cost of emergency medical dental care incurred while on your trip.
- Collision/Loss Damage for rental cars covers the cost if your rental car is stolen or is damaged in an accident
- Lost or Stolen Baggage provides reimbursement if your baggage is lost, damaged or stolen while you are traveling.
- Baggage Delay provides reimbursement for essential items if your luggage is delayed for 24 hours or more.
- Travel Delay provides reimbursement to cover meals and accommodations due to a departure delay of 6 or more hours.
- Missed Connection covers expenses resulting from a covered delay that causes you to miss your schedule flight or cruise.
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Won't my credit card, homeowner's policy, or medical insurance give me the coverage I need when I'm traveling?
You should check these policies before you travel to assess just how you would be covered in case you have an emergency.
Credit cards and homeowner's policies. Many credit cards and homeowner's policies may not cover everything you need to protect, including some types of emergencies and trip cancellation/interruption. If they do provide coverage, it's often limited, depending on the type of card you use or the coverage you have with your homeowner's policy.
Health insurance. Many health insurance plans don’t provide coverage outside the U.S. and won’t cover the cost of emergency medical transportation.
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What will the 24-hour hotline service do for me?
Allianz's 24-hour hotline is staffed with multilingual specialists who can help you with many types of situations from anywhere in the world, from reporting lost baggage to getting emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash in case of emergency and guarantee payment to gain admission into a hospital.
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When is the best time to purchase travel protection in order to be covered?
You can buy travel protection up until the day before you leave on your trip. For supplier default coverage and existing medical conditions coverage (may not be available in all plans) make sure you buy travel protection within 14 days of making your initial trip deposit/payment. Exclusions, restrictions and limitations may apply.
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If I cancel my trip, do I get all of my money back?
No. Trip cancellation coverage refunds prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. Covered reasons may include the following: sudden medical emergencies, financial default of a covered airline, cruise line or tour operator, bad weather, terrorist incidents, and jury duty. Changing your mind about taking a trip or having certain business obligations are not covered. If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the occurrence, otherwise the right to compensation will lapse.
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Questions about the Existing Medical Condition Coverage
What is an existing medical condition?
An existing medical condition is an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. Please also note that you may still be covered for losses caused by reasons other than those related to an existing medical condition.
What is the existing medical conditions exclusion?
The plan does not cover losses or expenses if they result from an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it.
If I have an existing medical condition, can I still purchase insurance?
Yes. On select products, we offer existing medical condition coverage. Please refer to the Certificate of Insurance/Policy for specific criteria that applies to each plan.
Please also note that you may still be covered for losses caused by other reasons other than those related to an existing medical condition.
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Who provides the insurance for these plans?
Allianz branded plans are underwritten by BCS Insurance Company, rated “A-” (Excellent) by A.M. Best Co., or Jefferson Insurance Company, rated “A” (Excellent) by A.M. Best Co., depending on the insured’s state of residence. World Access Service Corp. is the licensed producer and administrator for this plan and an affiliate of Jefferson Insurance Company.
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What is travel insurance?
Travel insurance is the unique combination of insurance benefits and assistance services specifically designed to help protect travelers while away from home.
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Underwriters
Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakwood Terrace, IL), rated “A-“ (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated “A” (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on the insured’s state. Allianz Global Assistance and Allianz Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.
PLEASE BE ADVISED: This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner's insurance policy, personal liability insurance policy or other source of coverage. This insurance is not required to purchase any other products/services. Unless separately licensed, travel retailer employees are not qualified/authorized to answer technical questions about coverage details or evaluate your existing coverage. Plan may not be available in all jurisdictions.
Additionally:
California Residents: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400.
Florida Residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida.
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.
Utah Residents: We are doing business in Utah as Allianz Global Assistance Insurance Agency.
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