Here’s confidential: Not that many people buy annual (or multiple) travel insurance. Most explorers simply buy a one-time protection for huge, costly trips – a semi-annual rental of a house on the coast or a memorial trip. The beauty of an annual package is that it can ensure both those large and more modest trips for a low price. Your family trip, your weekend getaways, your business trips… it’s all possible.
On the off chance that several outings are on the way, you should get a quote right now and secure your movement speculation! I’ll tell you why I finally made the choice to buy the All Trips Prime Plan from Allianz Global Assistance – and why I’m glad I did from now on.
1 I had soon arranged three excursions – and more not too far away
A family field trip to New York City in December. Soon after, a quick walk to Houston for a companion’s wedding. What’s more, a Spring Break getaway on Florida’s Gulf Coast. Looking at my schedule, I understood that the most conservative approach to insuring this load of trips might be annual travel insurance. First of all, I got some travel insurance for each excursion:
- one trip Prime for New York ($900 in prepaid expenses): $61
- one Prime trip for the trip to Houston ($600 in prepaid expenses): $61
- a Prime trip for Spring Break in Florida ($3,000 in prepaid expenses): $145
The absolute to guarantee three excursions independently: $267. The cost of All Trips Prime: $275. In addition, since I love to travel, I will definitely take more trips this year.
Currently your situation will be unique as motion protection citations are influenced by your age and the cost of your trip. Allianz Global Assistance also offers different levels of protection for multiple trips, from the super-reasonable All Trips Basic to the All Trips Premier Plan, which can cover your entire family.
2 I am a terrible travel diaper.
On the morning of a big field trip, I actually throw clothes in the washing machine and try to figure out my visa. I used to put off buying travel protection for as long as possible – or essentially neglected to get it. This is anything but a decent system! The more you wait to buy protection, the more limited your withdrawal window is. In addition, if something terrible happens before you buy protection, such as a storm call during the colder time of year, then you are not covered for misfortunes caused by that occasion at that time.
Annual travel protection is made for slowpokes like me. I am of course insured for 365 days, no matter where I travel. I actually need to find that ID, but…
3 I regularly plan short excursions with my travel companions.
Do you want to go to the coast? What about DC for the end of the week? How about doing a health retreat! My companions get a lot of writing like this because I love getting out of town for a casual escape. These excursions are usually modest – probably two or three hundred dollars in prepaid travel expenses – implying that I wouldn’t normally protect them. However, as I have annual travel insurance, they are covered. Allianz Global Assistance defines a “trip” as any time you travel to, within or from an area not less than 100 miles from your place of residence. (My appointment excludes a trip to receive medical care or clinical therapy, to move, and to drive to and from work. In addition, the trip cannot exceed 180 days.)
Currently my AllTrips Prime package only covers me – no companions traveling with me. It can nevertheless help in specific circumstances: for example, if my helper has to cancel the excursion, or gets sick or injured while we are travelling.
4 I don’t arrange super expensive excursions.
My AllTrips Prime package has an annual limit of $3,000 for trip cancellations and outages. That means if I go on a really expensive getaway, my annual package probably won’t cover all of my anticipated misadventures.
Still, that’s okay! If I choose to design an extravagant family getaway on the Amalfi Coast (hello, a young lady can dream), at least I can independently protect that. That’s because I need to guarantee that my whole family and all my excursion costs are covered so that I can buy the OneTrip Prime package for my partner and myself. OneTrip Prime, Allianz Global Assistance’s best-known package, covers up to 100% of excursion costs (up to the highest package) and covers children 17 and under with the expectation of free when traveling with a parent or grandparent.
I’d probably also buy OneTrip Prime in case I was heading to a place really far away, similar to the Patagonian steppe (hello, I’m actually dreaming here…) and up to $20,000 in clinical/dental crisis benefits. That’s a lot for most field trips, but perhaps not enough to cover a clinical departure or crisis shelter in a rough, less mature part of the world. one Prime trip includes up to $500,000 in emergency transportation benefits and up to $25,000 in emergency clinical/dental benefits.
5 With annual travel insurance, I don’t worry about delays
The absolute first excursion my AllTrips plan took care of was that three-day trek to New York City. On the last day of our excursion, a colder time of year dropped nearly a foot of snow on my old Richmond neighborhood, and Amtrak dropped off every southbound train.
Normally I would have been restless about the delay. This time I was delighted. However, in addition to getting an extra day of play in town, I was able to document a case for vital costs caused by a covered delay. The break point on my package is $200 a day, up to a limit of $600, and luckily we had a free place to stay. So my annual protection plan could pay for my lunch in Little Italy, my supper in an Irish bar, my espresso and donut in Penn Station, and my lunch for the train ride home. Not long after I bought my package, it actually saved me a lot of money. There are also countless other nice outings in the area…