Planning a trip but worried about unexpected cancellations? You’re not alone.
Many travelers find themselves anxiously wondering what happens if they need to cancel their plans due to illness, work emergencies, or other unforeseen circumstances.
The Allianz OneTrip Cancellation Plus plan is designed specifically for travelers seeking basic trip cancellation and interruption protection without the full expense of comprehensive travel insurance.
It’s most suitable for domestic travelers taking shorter trips who primarily want financial protection for their prepaid, non-refundable trip costs.
In this article...
Coverage Details
This plan centers around three core protections:
• Trip Cancellation: Reimburses up to 100% of your prepaid, non-refundable trip costs if you need to cancel for a covered reason.
• Trip Interruption: Covers up to 150% of your trip costs if your journey is interrupted by a covered event after you’ve departed.
• Travel Delay: Provides reimbursement for additional expenses if your trip is delayed for a covered reason (typically starting after 6 hours of delay).
The plan includes coverage for common cancellation reasons such as:
- Illness, injury, or death of you, a traveling companion, or family member
- Traffic accidents en route to departure
- Home uninhabitable due to natural disaster
- Legal obligation (jury duty, court appearance)
- Job termination or required to work
About the Company
Allianz Travel (formerly Allianz Global Assistance) is backed by Allianz SE, one of the world’s largest financial services providers and insurers.
With over 100 years in business, they’re known for solid financial stability and global presence.
The plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on your state of residence.
They sell directly through their website and also partner with many major travel providers, airlines, and online booking platforms.
❌ Avoid: This plan if you’re traveling internationally and seeking medical coverage, as it doesn’t include emergency medical benefits that are essential for foreign travel.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Plan Highlights
• Streamlined Protection: Focuses specifically on trip cancellation/interruption without the extras of comprehensive plans.
• Competitive Pricing: Generally more affordable than full-coverage plans.
• Epidemic Coverage Endorsement: Includes COVID-19 related cancellations if you become ill with COVID-19 before or during your trip.
• Family Coverage Options: Can cover all family members under one policy.
• 24/7 Assistance: Access to Allianz’s global assistance hotline for travel help and advice.
• SmartBenefits: Proactive claim payments for qualifying travel delays, typically deposited to your debit card without receipts.
Exclusions and Limitations
Understanding what’s not covered is critical:
• No Emergency Medical Coverage: Unlike more comprehensive Allianz plans, this one doesn’t include any medical or emergency evacuation coverage.
• Pre-existing Conditions: Generally excluded unless you purchase within 14 days of your initial trip deposit and meet other requirements.
• Fear of Travel: Cancelling simply because you’re afraid to travel isn’t covered.
• Known Events: Events that were known or foreseeable when you purchased the insurance aren’t covered.
• Travel Supplier Default: Only covered if you purchase within 14 days of initial trip deposit.
Pricing Insights
The OneTrip Cancellation Plus is positioned as Allianz’s budget-friendly option for trip cancellation protection.
Pricing typically ranges from 4-6% of your total trip cost, making it less expensive than comprehensive plans that include medical coverage.
Key pricing factors include:
- Total trip cost
- Age of travelers
- Trip duration
- Number of travelers
✅ Pro Tip: If booking multiple trips in a year, compare the cost of this single-trip plan against Allianz’s annual plans, which might offer better value for frequent travelers.
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Pros and Cons
| Pros | Cons |
|---|---|
| Affordable price point | No emergency medical or evacuation coverage |
| Strong trip cancellation/interruption limits | Limited travel delay benefits compared to premium plans |
| Backed by financially stable, reputable company | Fewer covered reasons for cancellation than premium plans |
| Easy claims process via mobile app | No baggage loss/damage protection |
| 24/7 global assistance services | No CFAR (Cancel For Any Reason) option |
Personal Note
Last year, a client used this plan for a family reunion in Florida. When her father was hospitalized three days before departure, she had to cancel.
Allianz processed her claim quickly and without hassle, reimbursing all her prepaid hotel and flight costs. The straightforward focus of this plan worked perfectly for her domestic trip needs.
Ideal Buyer Profile
The OneTrip Cancellation Plus plan is perfect for:
- Domestic travelers concerned primarily about protecting their trip investment
- Budget-conscious travelers who have health insurance that covers them domestically
- Those taking shorter trips with significant prepaid expenses
- Travelers who don’t need medical coverage or baggage protection
It’s not suitable for international travelers, adventure travelers, or seniors who may need robust medical coverage while traveling.
Alternatives to Consider
If international coverage is needed, consider upgrading to Allianz’s OneTrip Prime or Premier plans, which include emergency medical and evacuation benefits.
For those wanting more flexibility in cancellation reasons, Travel Guard’s Preferred plan offers similar trip cancellation coverage but with more covered reasons and some medical benefits.
Mini Comparison
When it comes to trip delay coverage, the OneTrip Cancellation Plus typically requires a 6-hour delay before benefits begin, while some premium plans from competitors like Travelex start coverage after just 3-5 hours.
Real User Feedback
Allianz Travel consistently earns 4+ stars on Trustpilot, with customers particularly praising their easy claims process and responsive customer service.
The OneTrip Cancellation Plus specifically receives positive feedback for its straightforward coverage and value, although some users note the limitations when compared to more comprehensive plans.
Always review the full policy wording carefully before purchasing. Safe travels!
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Can Save Up to 30%!
