You know when you’re booking a flight or hotel online and there’s that section to add trip insurance? You may scroll past it thinking “I’ll get it later” or, “Nah, I don’t need it.” First off, your vacation time and safety are too precious to leave to chance. Secondly, the travel insurance offered at checkout is often the most relevant and affordable coverage for your trip. You’ve already told the booking agent (Hotwire, Priceline, Delta, JetBlue, your travel advisor, etc.), where and when you’re going, the length of your trip, how much your spending, and how many guests are in your party, so you’ve basically filled out a trip survey. Using that information, developed a technology to instantly tailor their 100+ plans to your trip specs…and better yet, lowered the cost by only charging for what you need. So forget the one-size-fits-all plans, and see why getting your travel insurance when you book your trip is a better, easier, and more affordable.
Customization Where it Counts
A month-long trip to South Africa as a family has very different needs than a romantic weekend in South Carolina. To find the plan for you, Allianz Global Assistance take into account factors like:
- Airport Codes. Some airports have better track records than others when it comes to travel delays and baggage loss. A lower risk location means lower prices for you and spotty locations equal more extensive coverage.
- Flight Path. If you have a direct flight, you don’t need coverage for a missed connection and very little insurance for lost luggage—so why pay more for it? If you have multiple layovers and tight connections, the technology knows it’s time to increase post-departure benefits.
- When & Where. Flight delays and missed connections are common concerns for air travelers, but the real risk largely comes down to your trip’s season and region. As you can imagine, flying from LA to NYC in the summer is much less tenuous than Cincinnati to Siberia in the winter, which is why coverage and pricing should adjust accordingly.
- Time Until Departure. If you’re booking a trip far in advance, a lot can happen between now and then, so you might need a bit more insurance for unforeseen changes. If you’re booking same day, you shouldn’t have to pay for cancellation insurance on the way there, just the way back.
But isn’t knowing your choices better?
Many people think aggregator sites, where you can compare insurance plans back to back, would be the best way to go, but you’re not compare apples to apples. An insurance company might offer a lower price, but are they open 24 hours so you reach them whenever the need arises—be it an Asian time zone or in the middle of the night in New Orleans? Do they have a qualified in-house medical team to handle emergencies? Do they have a mobile app to file claims or will you be mired in paperwork? When you see Allianz offered as your trip protection provider, you know you’re getting quality coverage and even better prices.
Analyzing the ins and outs of insurance plans is time-consuming, and putting in hours of research for a one-week trip just doesn’t seem worth it. Taking the details that matter most about your trip and comparing it to the billion insurance offers Allianz makes per year, their technology creates a custom plan in under a second. Add insurance while booking a trip and you’ll have instant peace of mind and extra time to plan the fun stuff.
Say you buy travel insurance in the moment, but wake up in the night with doubts. No sweat, if you’re feeling unsatisfied with your Allianz insurance or find a cheaper option, you have up to ten days (or longer depending on your state) to request a refund.
Travel insurance has always been a good idea but now you just don’t have to think so hard about it. Personalized coverage, lower prices, and money back if you change your mind…Allianz has made buying insurance through your travel provider a no-brainer.
This post about better, cheaper trip insurance sponsored by our partner Allianz Travel (AGA Service Company) and we have received financial compensation as brand ambassadors.