To be covered under the Cancel For Any Reason benefit, a traveler must cancel their trip in its entirety at least 2-3 days before their scheduled departure date. Please sign in to proceed. These are unprecedented times and many industries are feeling the impact of COVID-19 - especially the Travel Industry. Make sure you understand all the definitions, too. The exception is an optional upgrade to most travel insurance plans known as “Cancel for Any Reason” coverage, or CFAR. What does the Level 4 Travel Warning, issued by Smartraveller, mean? Even if you have very few pre-paid costs, or are certain nothing could interrupt your trip, we have travel insurance plans for other common what-ifs. Whilst the current government warning of “Do not Travel” remains in place, this policy may not provide cover even if your claim arises from an event unrelated to COVID-19. • You or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date. At Allianz Global Assistance, we design our travel insurance products to include a broad range of covered reasons, because we want to protect our customers from the most common mishaps that happen while traveling. Please ensure you review the terms, conditions and exclusions of this policy for further details. Benefits/Coverage may vary by state, and sublimits may apply. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. If I go on my trip and contract COVID-19, will I be covered? No medical or blood tests are required to apply and you can get a preliminary quote in minutes. I have paid for my trip, however I now want to cancel it (for example – I am travelling to an affected area / I don’t want to travel / I am elderly / my Doctor recommended I don’t travel / I am travelling with children / I suffer from anxiety). 1. Plans include insurance benefits and assistance services. Please note, this policy excludes claims arising from, or associated with, travel to countries or parts of a country for which advice or warning has been released by DFAT or any other government department or official body, and the advice or warning risk rating is “Reconsider your need to travel” or “Do not travel” (or words to that effect). We want travelers to have all the information they need to make an informed decision. Usually, this benefit is an additional charge on the plan, but it comes with … 2. Our proven return to work record, reducing claims costs and improving employee well-being. In the first instance we recommend you contact your travel provider to re-arrange your flights. If your claim is unrelated to COVID-19, then it will be assessed in accordance with the terms, conditions and exclusions in the PDS. The portion of premium you have used depends on a number of factors, including your travel dates and whether or not your policy contained journey cancellation cover. We recommend customers contact their travel provider in the first instance to determine the options available for having travel expenses refunded or travel arrangements altered. So if standard option for a $5,000 trip costs $500 (10%), the extra coverage would add $200 to that (40% of $500). Conditions, terms, limits and exclusions apply. 101-C series or 101-P series, depending on your state of residence and plan chosen. Yes, you can make your claim online at www.travelclaims.com.au. There are also some eligibility requirements for cancel for any reason travel insurance coverage, which can only be … Of course, the exact conditions vary based on the insurance plan that you purchase. Yes, your Travel Insurance PDS excludes claims arising from, related to or associated with an actual or likely epidemic or pandemic or the threat of an epidemic or pandemic. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. allianz travel insurance cancel for any reason is a tool to reduce your risks. 18 March 2020, when the Australian Government increased travel restrictions to Level 4, Do Not Travel for all international destinations; OR, The date you requested to cancel your policy; OR, The date your trip was due to commence (if this date was before 18 March 2020). Except as expressly provided under your plan, you are responsible for charges you incur from third parties. That way, you’ll know which covered reasons are named in your specific plan. If you are overseas currently and require urgent medical assistance, please contact us immediately to discuss your case. If you’re not satisfied with the coverage, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. Any advice here does not take into account your objectives, financial situation or needs. {{quote.travel_dates ? 101-C series or 101-P series, depending on your state of residence and plan chosen. The initial trip deposit date determines eligibility to purchase cancel for any reason insurance, pre-existing conditions waiver and a … 3. We could go on and on… but instead, we advise simply reading your plan. By Clicking ACCEPT or continuing to browse the site, you are agreeing to our use of cookies. Does my policy have a General Exclusion for a Pandemic? Allianz Airline Travel Insurance – No Cancel for Any Reason Benefit. ‘Cancel for any reason’ coverage may be included with trip cancellation coverage or it may be a selectable option that has to be added to a policy (for an additional fee). Have questions? Due to travel restrictions, plans are only available with travel dates on or after, Due to travel restrictions, plans are only available with effective start dates on or after. But add cancel for any reason coverage quickly if you want it, … In general terms, Epidemic means a sudden development or rapid spreading of a contagious disease in the region where it developed. Trip Cancellation Definition: Your trip is canceled before you get started for a covered reason. What if I started my travel but had to shorten my journey due to covid-19? Refunds are available for customers if you have not made a successful claim on your policy (i.e. One of the most common misconceptions about travel insurance is that it covers absolutely every risk you may encounter while traveling. After this review period, your premium is nonrefundable. A General Exclusion (or sometimes termed a Policy Exclusion, or Exclusion) is an exclusion which will be applied across all sections of the policy, and applies regardless of when the policy was purchased. Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. *Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 3) Trip Cancellation for Any Reason coverage is not available to residents of New York. If I am quarantined, will my policy cover my loss of income? Allianz's Landlord Insurance takes care of the property and the contents items you provide for your tenant's use. Travel Insurance is underwritten by the insurer Allianz. Please ensure that you review the terms, conditions and exclusions of the policy for further details. We are offering eligible customers who purchased travel insurance prior to 18 March 2020, and whose travel plans have been cancelled or shortened due to COVID-19, the option to cancel the remainder of their policy, and obtain a refund for the unused premium portion.. *Sub-limits and exclusions apply. Cancel for any reason, also known as CFAR in the insurance industry, is an add-on to certain traditional trip insurance policies. Please ensure you review the terms, conditions and exclusions of this policy for further details. Smartraveller has definitions for the travel warnings they provide. We will refund the ‘unused’ portion of your premium. You must be signed in to save your quote. The cancellation must occur not less than a defined number of days or hours prior to the scheduled trip departure (see table below). What portion of your premium will be refunded? Is Allianz Travel Insurance Worth It? 4. Type the country where you will be spending the most amount of time. If I have travelled to a country that is not impacted by COVID-19, will I be covered? All claims for cancellation will be assessed in accordance with the facts and circumstances relating to the cancellation and in accordance with the terms, conditions and exclusion of your policy. Can I get a refund for my travel insurance? Allianz Comprehensive Travel Insurance policies provide cover for overseas emergency hospital or medical expenses, overseas emergency medical assistance, lost or stolen luggage and travel documents, cancellation … The security of the global Allianz Group, supporting more than 78 million people worldwide. Call us at 1-866-884-3556, and our travel insurance experts will walk you through the plan documents and explain your benefits. If a situation’s not named, it’s not covered. 2. And if the accident / insurance event occurs, the insurance … Finally, the Allianz Airline Travel Insurance policy does not have a Cancel for Any Reason benefit. 1. Covered reasons are certain situations and events that, when they occur, mean you may be eligible to make a claim. Terms, conditions, limits and exclusions apply. Travel insurance can reimburse your prepaid, non-refundable expenses if you must cancel … You're better off planning the trip for another time. In other words, if you're buying travel insurance with a specific scenario in mind — "I'll probably have to cancel this trip because of X" — then it's likely to be a foreseeable event. If you are overseas currently and require urgent medical assistance, please call us: +61 7 3305 7499. Before we delve into the details, it’s useful to understand trip … Except as expressly provided under your plan, you are responsible for charges you incur from third parties. While the current government warning of “Do not travel” remains in place, this policy may not provide cover even if your claim arises from an event unrelated to COVID-19. Cancel for Any Reason (CFAR) is an optional benefit of travel insurance coverage which offers the opportunity to cancel travel plans for reasons other than those listed as “covered reasons” … How does the Level 4 travel warning, issued by The Australian Government, impact my policy? Following the advice of the Australian Government for Australians not to travel overseas, and the decisions of a number of Australian State and Territory Governments to impose travel and other restrictions, Allianz Global Assistance is temporarily ceasing the sale of new domestic and international Travel Insurance policies effective from Friday 27 March 2020. Depending on the plan you choose, there may be up to 28 covered reasons for interrupting or canceling your trip. En español | Most basic travel insurance plans are not likely to cover policyholders’ costs if they cancel planned travel to areas of the world affected by coronavirus — even though the Department of State has raised its global health advisory for U.S. citizens to Level 3, which means Americans should reconsider travel … Pandemic generally means a form of an Epidemic that extends throughout an entire continent or across continents. Allianz Travel Insurance has a range of travel cover options. For a travel insurance plan to cover cancellation of a trip for any reason whatsoever, there are specific plans under the label “cancel for any reason travel insurance”. For instance, “immediate family member” and “family member” mean different things. The quickest way to process your refund is via our COVID-19 Insurance Refund Portal. This coverage requires purchase within a certain number of days of making your initial trip deposit (see table below). accepted in part or in full) and do not currently intend to make a claim on your policy. If you are quarantined as a result of COVID-19, any General Exclusion for epidemic/pandemic will apply to any claims you may make. What is Cancel for Any Reason insurance, actually? Will I be covered if I re-arrange my flights? 296559 is the insurer of any life insurance products offered on this website. If you did not travel or did not start your journey, If your policy provided journey cancellation cover, you will be refunded the portion of your premium relating to the period after. Travelers who opt for CFAR will need to insure 100% of their pre-paid and non-refundable trip costs and buy it within a set amount of days from their initial trip payment (usually 21 days or less) in order to be eligible for this optional upgrade. If you make any additional payments that were not already included in the initial trip cost, you must purchase the additional insurance within the same duration constraints. To understand what each warning level means, visit Smartraveller to find more information. If you are re-arranging due to COVID-19, any General Exclusion for epidemic/pandemic will apply. In addition, we strongly encourage you to be fully informed of the risk of travel. Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason. Finally, the Allianz Airline Travel Insurance policy does not have a Cancel for Any Reason benefit, which means that you cannot play the Airline Ticket Hack game against the airlines using the Allianz Travel Insurance … Not sure which plan is best for your situation? Will my cancellation costs be covered under my insurance policy? Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment. What do we mean by the ‘unused’ portion (the refundable portion) of your premium? The … Cancel for Any Reason (CFAR) is an optional travel insurance benefit available on some of the plans available with InsureMyTrip. If the claim was declined due to COVID-19, you may be eligible for a refund. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com. Terms, conditions, and exclusions apply. {{annualTravelBanText}} {{travelBanDateFormatted}}. Please note, this policy excludes claims arising from, or associated with, travel to countries or parts of a country for which an advice or warning has been released by DFAT or any other government department or official body, and the advice or warning risk rating is “Reconsider your need to travel” or “Do not travel” (or words to that effect). There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia website for a list of alternative providers. For cancel for any reason plans, insuring the full trip cost is required. If the claim arises from or relates to COVID-19, then the General Exclusion for epidemic/pandemic applies and cover will be excluded; If the claim arises from or relates to COVID-19, then the General Exclusion for epidemic/pandemic applies and cover will be excluded. quote.start_date : "Date"}}, View all of our travel insurance products. Eligible customers who purchased Travel Insurance on or after 18 March 2020 will be given the option to cancel their insurance and receive a full refund of the premium. Why does it work like this? Your travel provider can provide you with more information about your options for adjusting your travel itinerary or obtaining refunds. Please call us on 1800 440 806 (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at TravelHelpdesk@allianz-assistance.com.au. For instance, if you purchase travel insurance for your Bahamas vacation when a named hurricane is already barreling toward your destination, and then your beach house gets smashed, your trip cancellation would not be covered. Before making a decision please consider the product disclosure statement available at www.allianz.com.au. Should a General Exclusion apply, this means that your Travel Insurance policy does not provide cover for the specified event, activities or circumstances. Here’s what you need to know about covered reasons and trip cancellation insurance. Canceling a planned trip is a big — and often expensive — decision. The refund amount is calculated from the date you returned home from your journey until the end date of the policy. This is a test environment. When you purchase travel insurance from Allianz Global Assistance (or any other company), the plan names specific covered reasons for trip cancellation, trip interruption, and other benefits. It doesn’t. If your claim arises from an event unrelated to COVID-19, then it will be assessed in accordance with the terms, conditions and exclusions in the PDS. 234708 is the insurer of any general insurance products offered on this website. Travel insurance does not cover losses that arise from expected or reasonably foreseeable events or problems — even if that event or problem is listed as a covered reason. Contact AGA Service Company at, or 9950 Mayland Drive, Richmond, VA 23233 or, how travel insurance covers family members, Tips For Dealing With a Trip Cancellation, Trip Delay, Trip Interruption, and Trip Cancellation Insurance Explained, Plan B: When Trip Cancellation Doesn't Mean Trip Cancellation. When you purchase travel insurance from Allianz Global Assistance (or any other company), the plan names specific covered reasons for trip cancellation, trip interruption, and other benefits. Stay up to date on Travel Information for COVID-19 from the DFAT's Smartraveller website and the World Health Organisation . Definitions may vary so it’s important that you refer to your PDS for any specific definition applicable to your cover. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Plans only available to U.S. residents and may not be available in all jurisdictions. Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade's (DFAT) Smartraveller website and World Health Organisation. Buying cancel for any reason coverage will give you an escape hatch from a trip that’s turning sour, no matter the reason. Targeted risk management advice to reduce workplace risk. Can I get a refund if I have made a claim? Yo… If a situation’s not named, it’s not covered… 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. Plans only available to U.S. residents and may not be available in all jurisdictions. *For WA residents, Rental Car Damage and Theft Coverage may not be available in all plans. Depending on the policy, this benefit reimburses … Please see the PDS for full details. We do not provide advice based on any consideration of your objectives, financial situation or needs. Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. Will I be charged extra if I change the dates on my policy? If you or your traveling companion suffers an illness, injury or medical condition that's disabling enough to make a reasonable person cancel a trip, Allianz Global Assistance considers that a … Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site. A foreseeable event is an outcome that a reasonable person in similar circumstances would expect to occur. Ask us for more details before we provide you with any services on this product. If you choose to travel overseas despite the current government warning in place, you may not have cover under this policy. Your Travel Insurance PDS includes a definition of a Pandemic and/or Epidemic. Yes, we recommend all travellers to contact their travel provider/s to discuss their travel plans. Can I still make a claim for consideration? Please ensure that you review the terms, conditions and exclusions of this policy for further details. To get “cancel for any reason” coverage you’ll have to purchase a base travel insurance plan and add “cancel for any reason” coverage within 14 to 21 days of your first trip payment. Please note, eligibility criteria applies. {{travelBanText}} {{travelBanDateFormatted}}. The Cancel for Any Reason (CFAR) option is available as an upgrade on several of our comprehensive travel insurance plans and is a great option that allows travelers to cancel their trip for any reason that … If every travel insurance policy covered every possible scenario, the cost of insurance would shoot sky-high. Date changes are permitted, however eligibility criteria applies. No problem. Keep in mind that if you cancel for a covered r… (Here’s a more detailed explanation of how travel insurance covers family members.). And a pet is not considered a family member, although a service animal (as defined by the Americans with Disabilities Act) is. Please see your plan for full details. *, Up to $1.5 million total cover depending on your age. In order to get the trip cancellation coverage under the cancel for any reason travel insurance, certain conditions must be met. For policies that cover journey cancellation, cover starts as soon as you buy your policy, and so your premium starts to be used immediately from the time of purchase. If you travel to a country where affected by COVID 19, a number of factors will determine whether your claim is covered. Our expert team understands the complexities of workers compensation and will support your business and injured workers through the claims management process. While the current government warning of “Do not travel” remains in place, this policy may not provide cover even if your claim arises from an event unrelated to COVID-19. Please correct the validation errors above before proceeding. There are the three rules for Cancel for Any Reason cover: You must buy the CFAR cover within 14-21 days of making your first deposit (this varies by policy). If the claim arises from or relates to COVID-19, then the General Exclusion for epidemic/pandemic may apply and cover may be excluded. “Cancel for any reason” (CFAR) coverage is an add-on to a base travel insurance policy that allows you to cancel the trip for any reason that’s not already a reason covered by the policy. That’s why trip cancellation is one of the most valuable benefits in your travel insurance plan. 24, with Cancel for Any Reason coverage for a … CFAR covers up to 50-75% (depending on provider and plan) of pre-paid and non-refundable expenses and deposits if the trip must be canceled for any reason. We are offering eligible customers who purchased travel insurance prior to 18 March 2020, and whose travel plans have been cancelled or shortened due to COVID-19, the option to cancel the remainder of their policy, and obtain a refund for the unused premium portion. Copyright © 2021 Allianz Australia Limited ABN 21 000 006 226. If I travel to a country with COVID-19 cases, will I be covered? Before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. It covers 100% of nonrefundable, prepaid trip … This site uses cookies to improve your user experience and analyze site traffic. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. If you cancel, you must do so at least 48 hours … Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. These covered reasons vary according to the plan you purchase, but here are some examples: • A terrorist event happens at your destination within 30 days of the day you're scheduled to arrive.• The insured traveler, traveling companion or a family member suffers a serious covered illness or injury.• The insured traveler, traveling companion or a family member dies.• You or a traveling companion are terminated/laid off from your job through no fault of your own, after your effective date of coverage, after working there at least 12 continuous months.• Your airline, cruise line or other carrier ceases services for at least 24 consecutive hours due to a strike, natural disaster, bad weather or FAA-mandated shutdown.• You need to attend the birth of a family member’s child.• Your destination is rendered uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.• You or a traveling companion is in a traffic accident on the way to your point of departure, and you or the traveling companion need medical attention or the car needs to be repaired because it's not safe to drive.• A natural disaster renders your home or your destination uninhabitable. 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