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Do I need to choose the date an annual plan becomes effective?

• Yes. To complete a quote, a date must be entered in the “Departure Date” field in AgentMax
• This date will become the effective date
• If you want to set a future effective date, you’ll need to enter that date as the customer’s “Departure Date.” Otherwise, you’ll want to list the “Departure Date” as the next date available—typically the day after purchase

Can I delay the effective date for an annual plan?

The plan effective date can be set up to 59 days in the future; however, delaying isn’t recommended because:

• It means no protection between the purchase date and set effective date (if someone needs to cancel during this period, there would be no cancellation benefits).

Do annual plans automatically renew after a year?

• No. However, advisors may reach out to customers nearing the end of their current annual plan to offer a new plan for the upcoming year
• These sales earn commission like any other plan sale through your agency
• The customer doesn’t need to have any specific trips planned to purchase a new annual plan for the upcoming year

Are emergency medical benefits primary or secondary on an annual plan?

• Emergency medical benefits are generally secondary on annual plans—however, for many states, Emergency Medical benefits are primary (refer to the specific product’s terms and conditions for details)
• In the event of hospitalization, Allianz Travel Insurance would provide benefits (e.g., a Guarantee of Payment) for the insured’s care regardless of the primary or secondary nature of the benefit.

What is the maximum number of days for a trip on an annual plan?

That depends on the plan purchased:

• For the Annual Executive & Annual Deluxe plans, 45 days
• For the Annual Premier plan, 90 days

Who can be included on each annual plan?

• Annual Deluxe & Executive only protect those whose names are included on the plan
• Annual Premier plan can include:
  • Named insureds
  • All family members residing in the purchaser’s household
  • Note: Family members on the same plan don’t need to be traveling together to be eligible for benefits

How do I add my trips to the annual plan?

• Travelers don’t need to add trips to their annual plan
• Protection is effective for all trips taken during the 365-day period stated on their confirmation page if they don’t exceed the plan’s maximum trip length

How can a traveler meet the requirements for waiver of the exclusion for pre-existing medical conditions?

To be eligible for waiver of the exclusion for pre-existing medical conditions*, the insured must:

• Be a U.S. resident
• Purchase their plan within 14 days of their initial trip deposit or make their initial trip deposit during their annual plan’s effective dates
• Meet any additional standard criteria for eligibility, as outlined in plan documents

If there is a lapse between one annual plan’s end date and the start date of the next one, will eligibility for waiver of pre-existing condition exclusions still apply?

Waiver of the exclusion for pre-existing conditions can carry over to a new annual plan when that plan is effective within 7 days of the previous plan’s expiration date.

 How does each benefit work for the year?

• Rental Car Damage/Theft protection maximums apply per rental, per trip
• Other benefits reset to their full, maximum amount for each insured individual, with each new trip, while the plan is effective

*Plans include a waiver of the exclusion for pre-existing medical conditions if your client meets the requirements listed in their plan; otherwise, the exclusion for pre-existing medical conditions will apply. All other terms, conditions, and exclusions apply. See plan details for more information.

Terms, conditions, and exclusions apply. 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. 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. 101-C series or 101-P series, depending on your state of residence and plan chosen.  A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings.  Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance (AGA) or its affiliates.   AGA compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency 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. 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. Any Non-Insurance Assistance services purchased are provided through AGA Service Company.  Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.