What My Annual Travel Insurance Policy Covers

As I embark on a 3 week trip abroad where I’ll be doing a lot of things in different climates, I thought I’d share why I never get nervous. I have an annual travel insurance policy from Allianz Travel Insurance that covers just about everything. In fact, here’s exactly what’s in my annual travel insurance policy.

What My Annual Travel Insurance Policy Covers

My personal annual travel insurance policy covers the following up to the following amounts:

Trip Cancellation Protection $5000 – this provides reimbursement for non-refundable trip payments and deposits if trip is cancelled for a covered reason.

Trip Interruption Protection $5000 – this provides reimbursement for the unused, non-refundable portion of your trip and for increased transportation costs to get home.

Emergency Medical and Dental $50,000 – this provides coverage for losses caused due to medical or dental emergencies.

Emergency Medical Transportation $250,000 – to me this is the most important of all coverages; this covers you for transportation to nearest adequate medical facility and also for your transportation costs home-this can save you a fortune!

Baggage Coverage $1000 – this provides reimbursement of your luggage is lost or stolen while traveling.

Baggage Delay Coverage $1000 – this provides reimbursement for reasonable clothing, toiletries and other essentials if your baggage is delayed 24 hours or more.

Travel/Trip Delay Coverage $1500/$150 daily limit – this provides reimbursement for additional expenses, meals, accommodations etc. if your trip is delayed for 6 or more consecutive hours.

Change Fee Coverage $250 – this provides reimbursement for changing flight dates.

Travel Accident Coverage $100,000 – this provides a cash payment for covered losses due to death, loss of limbs or sight as a result of a covered accident.

Business Equipment Coverage $1000 – this provides reimbursement for repair, loss or damage to business equipment if lost by your common carrier.

Collision/Loss Damage Coverage $45,000 – This covers costs of your rental car is stolen or damaged in a covered accident whether you are driving or it’s parked.

Business Equipment Rental Coverage $1000 – this provides reimbursement for reasonable rental costs if it has been lost, stolen or damaged by your common carrier.

My policy also includes 24-hour hotline assistance, a concierge, and the fantastic TravelSmart app. So as you can see I am pretty covered in case anything happens and I definitely have peace of mind.

Everyone needs travel insurance. It’s a risk you shouldn’t take lightly and just get it. Check out AllianzTravelInsurance.com and find the policy that’s right for you!

Disclaimer: I work as an ambassador for Allianz Global Assistance (AGA Service Company) and receive financial compensation.


  1. I do have an Allianz annual policy thanks to your recommendation! I hated buying each time I took a trip, it just makes so much more sense!

  2. This looks a lot more competitive than World Nomads. The annual policy looks like a great option. Lee, do you know if they cover drones at all?

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