Typical plan benefits include:

• Trip cancellation
  Provides cash back for prepaid, non-refundable trip expenses if your customer must cancel their trip due to a covered reason.
• Trip interruption
  Reimburses the unused, non-refundable portion of your customer’s trip expenses and additional transportation costs required to continue their trip or return home if their trip is interrupted for a covered reason.
• Travel delay
  Compensates customers for additional travel or lost prepaid expenses if their trip is delayed for a certain number of hours due to a covered reason.
• Baggage delay
  Reimburses the reasonable additional purchase of essential items during your customer’s trip if their baggage is delayed or misdirected by a travel supplier for the number of hours specified in their plan documents—with receipts for the emergency purchases. With some plans, they can also opt to receive a reduced, fixed payment with no receipts required—just proof of the covered baggage delay. 
• Baggage loss/damage
  Provides benefits for the loss, damage, or theft of baggage and personal items throughout your customer’s trip.
• Emergency medical and dental
  This primary benefit provides reimbursement for expenses incurred during your customer’s trip due to covered medical and dental emergencies.
• Emergency medical transportation
  Provides benefits for the cost of medically necessary transportation to the nearest appropriate facility and costs for your customer’s transportation back home following a covered illness or injury.
• 24-hour assistance by phone 
  A multilingual team of problem-solvers is always available to help with your customers’ medical and travel-related emergencies, and customers can easily reach them—plus other helpful safety features—on the go through the Allyz® TravelSmart app 
• Concierge
  A team of multi-lingual experts can help your customers select a restaurant and reserve the best table, locate hard-to-find event tickets, and more.

Common exclusions

Every plan purchased includes a list of covered reasons for which benefits can apply. As a general rule, these only include unforeseeable situations. Plan documents also provide a list of exclusions. Some common exclusions are:

• Pre-existing medical conditions (unless your customer is eligible for waiver of this exclusion )
• Inclement weather events that were already predicted and named when the plan was purchased
• Participation in high-risk sports or activities listed in plan documents
• War (declared or undeclared) or acts of war
• Alcohol or drug abuse
• Other exclusions, which vary between plans

Free look period

If your customer receives their plan documents and situations they were expecting protections for are listed as exclusions, they have 15 days (or more, depending on their state of residence) to request a refund, provided they haven’t started their trip or initiated a claim. Premiums are non-refundable after this period.

Help Customers Compare and Understand Benefits

To help your customer choose the plan best suited to their needs, visit our Digital Brochure Portal to customize and email plan brochures that highlight the benefits, maximum claim payouts for each benefit, and covered reasons for plans they’re considering. After purchase, your customer will receive fulfillment documents that include complete terms, conditions, and exclusions. Encourage them to review these documents. A clear understanding of what they’ve purchased will give them more accurate expectations—and, ultimately, higher satisfaction.