Basic- Allianz Travel Insurance

Editor Review

The Good: This is individual coverage for the basic travel protections necessary on a trip. Pre-existing condition coverage is included (if purchased within 14 days of initial trip deposit) and the plan can be enhanced with rental car coverage too.

The Drawbacks: The medical and evacuation coverage limits are relatively low when compared to other plans, especially if your trip is outside the U.S.

The Bottom Line: This plan provides coverage for the travel basics: cancellation, interruption, emergency medical and evacuations, but the coverage limits are not high.

Plan Details

This plan is unique in that it provides the following:

  • Covered reasons for trip cancellation and interruption are relatively broad, including death and illness, foreign and domestic terrorism (within 30 days of departure), natural disasters, jury duty, and more.
  • Pre-existing medical conditions covered if plan is purchased within 14 days of initial trip purchase and 100% of non-refundable trip costs are covered.
  • Change fees are covered if you have to change your airline ticket for a covered reason.
  • Plan includes 24-hour emergency assistance services for medical and travel emergencies, legal assistance, emergency cash, flight information and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

  • Optional primary rental car damage protection for up to $40,000 at just $9 a day.


The following are the limitations on this plan’s coverage:

  • Medical and evacuation coverage is relatively low when compared to other plans – especially if you are traveling abroad.
  • Baggage delay time frame is relatively long (24 hours) when compared to other plans.
  • No coverage for supplier default is available.
  • No missed connection coverage.
  • No coverage for AD&D or flight accidents.
  • Plans with 0$ trip cost will not have trip cancellation or interruption benefits.

As with any type of insurance, terms, conditions, and exclusions apply.