Airline Flight Insurance

Help make sure your travel plans take off with travel insurance through Travel Guard.

Travel Guard's insurance plans can include flight accident coverage and flight
cancellation coverage for when you travel. Plans may include enhanced medical expense
coverage, trip cancellation/interruption coverage due to work reasons and involuntary job
loss, 24/7 emergency travel, health services and more. 

For more than 20 years, Travel Guard has covered millions of travelers. We're America's
leading provider of travel insurance and assistance service plans and we're here to help you
24 hours a day, 7 days a week. Coverage provided through Travel Guard is easy to buy and
with our 24-hour emergency travel services it's even easier to use. 

Travel Guard plans can offer numerous coverage options for trips of all shapes and sizes.
Coverage lengths can be flexible and vary according to your plans. To find out which Travel
Guard insurance plan is right for you, select Get A Quote today!

Brief Description of Coverage

Coverage may not be available in all states.
For questions regarding coverage, services or to file a claim please call 1.800.826.5248.

Flight Guard Plan

Flight Guard® is accidental death and dismemberment insurance which provides you
coverage for the duration of your trip while you are flying on commercial airlines. This is
affordable coverage that should be considered with every flight you take.

Select from five levels of coverage and receive coverage against unexpected accidents that
may occur while on, boarding or leaving an aircraft.

Five coverage options available - $100,000, $200,000, $300,000, $400,000 and $500,000.
Coverage

This is a brief outline of coverage - restrictions apply. 

For complete coverage details, please refer to the Certificate of Insurance or Policy. 
For questions regarding coverage, services or to file a claim please call 1.800.826.1300.

Flight Guard: Coverage for accidental death or dismemberment that occurs when traveling
on, boarding or alighting from a regularly scheduled flight or charter, subject to the
Maximum shown in the Schedule. Amount selected from the minimum of $100,000 up to a
maximum of $500,000.

Coverage includes:

100% benefit paid for:

 Loss of life
 Loss of both limbs
 Loss of sight in both eyes
 Loss of one limb and sight from one eye

50% of benefit paid for:

 Loss of one limb

 Loss of sight in one eye

If multiple losses result from the same accident, the total amount we will pay will be limited
to the amount of Flight Guard coverage purchased. Loss must be within 365 days of the
accident. We will pay for loss of life if your body has not been found within one year of the
accident.

Pricing

 $100,000 - $9
 $200,000 - $18
 $300,000 - $27
 $400,000 - $36
  $500,000 - $45

Above rates do not include a $5 service fee.

Questions

 Q. Do I get to list a beneficiary?  

A. Yes, you may list a beneficiary when you are enrolling for coverage.
 Q. Will I be covered by the insurance if I am flying on a private plane?
A. You must be a passenger on a regularly scheduled airline or charter and
operated by a properly certified pilot. Private planes are excluded.
 Q. I am already on my trip and would like to enroll for flight insurance for
my trip abroad, can I do so now?
A. You must enroll for Flight Guard coverage prior to departure. We
cannot begin coverage after the trip has started.
 Q. When does the coverage begin?
A. The coverage begins on your departure date and covers all flights
during the trip, including the return flight.
 Q. How does my beneficiary file a claim?
A. To file a claim, your beneficiary can call Travel Guard®  between the
hours of 7:00 am and 7:00 pm CST and start the process with a claims
analyst on the telephone. The analyst will explain what needs to be
provided to Travel Guard in order to pay your claim. The form will then
be faxed or mailed to your beneficiary to provide that information.
 Q. What if I want a refund of the plan cost?
A. Travel Guard is committed to providing products and services that
exceed your expectations. If you are not completely satisfied, you can
receive a refund. Request must be submitted to Travel Guard in writing
within 15 days of the receipt of your coverage, providing it is not past
your original departure date.
Although it is statistically safer to fly than to drive, people become
concerned that they will perish in an airplane crash. Sometimes, the
flight needs to be cancelled due to severe weather conditions.
Fortunately, these instances and others may be covered by flight
insurance in a general trip insurance package.

Cancellation or Postponement

Before people embark on a trip, they will need to purchase their

airline tickets in advance, and this expense can be non-refundable.
If a family planned a vacation in a faraway destination but needs to
cancel before they can leave, they will lose the entire amount paid
for the airline tickets. This can add up to a significant amount of
money. If people feel that it is at all possible that they will need to
cancel their trips or postpone them, a travel insurance policy with
flight insurance would benefit them.

Loss of Life or Dismemberment

Sometimes, nothing prevents people from taking their vacations or

going on business trips. However, an unfortunate incident can occur
while they are traveling. Not everyone in this situation has a life
insurance policy in place before they travel, but they can purchase
flight insurance that will cover them while they are in the air. This
type of coverage provides them with accidental death insurance in
the unlikely event that they do not survive a plane crash.

it’s becoming less and less likely that people are going to be
involved in a plane crash, but if they are, they are more likely to
survive now than they would have in the past. However, they may
have significant injuries and may even be dismembered. Flight
insurance in a trip insurance policy covers exactly this possibility
and will offer them a sum of money if they lose a limb, for example,
in a plane crash.

Medical Insurance Coverage

Flight insurance also benefits those who either have no medical

insurance coverage or are traveling outside of the country. Those
without medical insurance will need to consider the health
insurance they can purchase in a travel insurance policy along with
flight insurance in case they are injured in an airplane accident.
Those with medical coverage may find that their health insurance
policies do not cover them when they are outside of the country. If
they are injured in an airplane accident, they will need the
additional protection they can receive from flight insurance and
travel medical insurance.

When purchasing a travel insurance package, people can inform

their insurers of how much money they would like their
beneficiaries to receive in the event that they are involved in a
plane crash. They will, most likely, be able to purchase a policy for
a significant amount of money for a very low cost and travel with
peace of mind.

Airline Travel Insurance

Why Buy Airline Travel Insurance?

Flights and hotels are booked. But, what happens if...

 You come down with the flu just a few days before your departure?
 The tour operator for your 2-day excursion declares bankruptcy?
 You are unexpectedly laid-off from your job?

Let Allianz Travel Insurance help protect your trip investment by taking the
worry out of unforeseen circumstances that could disrupt your plans. We can
provide trip cancellation coverage, giving you cash back for up to 100% of
your trip costs for reasons like: Termination by employer* Covered illness or
injury of you or your traveling companions* Airlines stopping services for at
least 24 hours due to natural disasters such as hurricanes, named severe
storms, or earthquakes*

Have you ever noticed that some people in the airport look perfectly
unruffled, even as chaos unfolds around them? You too can be one of those
polished flyers with these air travel tips for packing your bags, sailing through
security and dealing with flight delays.

What does travel insurance cover?

So, what does travel insurance cover?

Here’s the very short answer:

Travel insurance covers cancellations, medical expenses,
evacuations, loss or delays, and 24/7 assistance.

The 5 Things Travel Insurance covers

These are the 5 basic types of coverage provided with vacation
insurance. This page outlines the general coverage provided, and
our full guide to coverage can be found here.

1. Cancelled Trips
This is the #1 concern with most travelers.

Plane tickets, cruise fare, tour packages, hotel rooms, charter

fishing boats, golf greens fees.

You invest money when planning a trip. If these expenses are pre-
paid and non-refundable, you risk losing it if something goes wrong.

Travel insurance covers expenses if you need to cancel your trip for a
covered reason

Trip Cancellation Coverage reimburses you for pre-paid, non-

refundable expenses if you need to cancel your trip before you
depart.

Insurance companies provide a list of covered reasons for trip

cancellation, an overview of typical covered reasons is below.

Covered reasons to cancel your trip:

 Sickness, injury, or death of you, a family member, or a traveling

companion
 Hurricane damages your destination or cancels your flight
 Laid off from work or required to work
 Terrorist incident in your destination city
 Bankruptcy of your travel supplier
 Called for jury duty

This is only a partial list, but you can see it covers very common
situations for cancelling.

The most common reason is the first one…someone getting sick or

a family member passing away.
Cancel For Any Reason (CFAR) coverage will allow you to call off
your trip for any reason, as long as you meet the plan criteria.

Trip Interruption Coverage is similar to cancellation coverage, but

covers you while you are on your trip for the same list of covered
reasons.

If something happens and you are required to return home,

insurance will reimburse you for the lost portion of your trip…as well
as any additional expenses for the last-minute flight home.

2. Medical emergencies abroad

This is crucial, and often overlooked.

Most people think they are covered for medical emergencies if they
already have existing health care insurance. Within the United
States, that will be true.

Outside the U.S., however, is a big IF. Most do not provide coverage,
and Medicare never covers you abroad.

Would you feel comfortable having a family member risk inadequate

medical care in a foreign country?

For cruises, your health insurance from home may not cover you if
you’re traveling on a foreign-flagged ship (which includes most
cruise ships).

Travel insurance covers emergency medical expenses

Medical Expense Coverage will cover you for accidents and

emergency medical and dental care when you travel abroad.

Even if you are covered for basic emergency care overseas (again, a
big IF), your current health insurance provider will almost certainly
NOT pay to evacuate you and repatriate you back to the U.S.

3. Emergency evacuations
Medical emergencies can be scary, and the travel medical coverage
explained above helps you get care.

But how do you get home?

Travel insurance covers emergency evacuations

Emergency Evacuation Coverage will pay for emergency evacuation

expenses such as airlifts and medically equipped flights back home,
and oftentimes will transport you to the hospital of your choice for
care.

Evacuation expenses can be devastating.

An ambulance to the hospital, an airlift to a more adequate hospital,

getting you back home on board a medically-staffed flight
afterwards…evacuation expenses can easily cost $50,000.

4. Lost bags, delayed bags, delayed flights

These coverage are for the “smaller things” that are nice to have.
Again, the list is not complete but it will give you an idea of some
additional coverages.

Travel insurance covers baggage and delays

Baggage Coverage can reimburse you for your personal belongings

if your luggage is lost, stolen or damaged.

Baggage Delay Coverage provides money to buy essential items

until your delayed bags arrive, such as a toiletry kit, a swimsuit, or
another change of clothes.

Travel Delay Coverage provides reimbursement for additional

expenses if your flight is delayed, such as an extra night in a hotel
or a meal at a restaurant.

5. Phone assistance 24/7 worldwide

This is about having a ‘lifeline’ to call when something happens.

Medical emergencies, stolen baggage, lost passports, cancelled

flights. Every travel insurance company provides 24/7 support for all
of these needs.

This service is most important when you have a medical issue.

24/7 Travel Assistance Services can help you:

 Locate the nearest adequate hospital if needed

  Organize medical transportation
 Arrange for treatment and overcome any language barriers
 Organize transportation home
 Replace prescriptions in an emergency

In addition, non-medical assistance may include:

 Lost baggage search; stolen luggage replacement assistance

 Lost passport/travel documents assistance
 Travel information including visa/passport requirements
 Emergency telephone interpretation assistance

Additional coverage with travel insurance

Travel insurance can also provides coverage for:

Life Insurance coverage for accidental death or dismemberment.

Hazardous Sports extends the medical coverage to cover activities

like SCUBA.

Rental Car Collision replaces your personal insurance or the rental

company policy.

Identity Theft provides services to help in the event of identity theft

while traveling.