Does travel insurance cover your hotel? | Allianz Global Assistance (2024)

FAQs

Does travel insurance cover hotel rooms? ›

If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses.

Medical Tourism, Medical Exclusions

Don't look to travel insurance for help with the hospital bills or aftercare. Medical tourism is a common exclusion. Elective procedures, mental health care, routine physicals and exams and physical exams are also usually not covered by travel medical insurance.

Allianz Travel Insurance plans can reimburse you for lost trip expenses if you must cancel your trip for one of the covered reasons named in your plan.

This benefit provides you with peace of mind and protects common trip expenses. This can include any prepaid airfare, hotel accommodations, excursions, tours, and cruises.

What does holiday cancellation insurance cover? It covers pre-booked transport – so flights, transfers, train or ferry tickets, as well as accommodation. It will also cover the cost of any activities, excursions or tours you've paid for or are committed to paying for.

So, what does travel insurance cover? Here's the very short answer: Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance. These are the 5 basic types of coverage provided with vacation insurance.

The more costly your trip, the more your provider will need to reimburse you for a valid claim, which increases the cost of your policy. In addition, plan costs will generally increase with age, as younger travelers may be less likely to file a claim than senior travelers based on overall health.

Most policies include cover for: lost or stolen bags (with baggage cover an extra in some policies) emergency medical expenses, such as the cost of treatment and getting you home. the costs of cancelling, delaying or cutting your trip short (with cancellation cover sometimes an additional extra)

Travel insurance policies typically exclude epidemics and pandemics. According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

What does Allianz Global Assistance do? ›

We're Protecting You. From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

Trip cancellation benefits can help if you need to cancel your trip for a covered reason. You may be reimbursed for your prepaid nonrefundable trip costs – expenses like airfare, cruise fare, and hotel reservations.

If you have to unexpectedly cancel your trip due to unforeseen events, trip cancellation insurance can help. This insurance covers some of your non-refundable trip expenses such as airfare and hotel accommodations, reducing your risk of financial loss.

You can usually claim back the cost of your tickets to travel, plus accommodation for the time you should have been on holiday. So, if you were unable to travel at all, you can claim back the entire cost of your portion of the holiday, less the excess on your policy, up to a certain amount.

A comprehensive travel insurance plan protects your nonrefundable reservations, which can include prepaid excursions in addition to airplane tickets and hotel stays. If your trip doesn't involve any nonrefundable reservations, you may not need travel insurance.

A comprehensive travel insurance plan protects your nonrefundable reservations, which can include prepaid excursions in addition to airplane tickets and hotel stays. If your trip doesn't involve any nonrefundable reservations, you may not need travel insurance.

General liability: This coverage is mandatory and protects against lawsuits related to injury or property damage done by the business. Things like food poisoning claims would also fall under this category. Up to $1 million in coverage per hotel room is recommended.

If you are delayed for a reason covered by your policy, you can be eligible for reimbursem*nt of reasonable expenses—up to the coverage limit specified in the policy. These expenses could be for meals, hotel accommodations and transportation.