Safe travel tip: How to use the Allianz TravelSmart app

If you’ve traveled a fair amount, you know that sometimes, things go sideways. Usually, these things are small things: maybe you need to pick up a prescription from a pharmacy and need directions, or maybe your flight got delayed, leaving you rescheduling your airport transfer. These problems are always pesky–who to call? Where to go? Sometimes, of course, the problems are bigger and more consuming: you need serious medical care or you have to deal with a theft.

Murphy’s Law dictates that you’ll never have to deal with any of the above (yeah right!) if you think ahead and buy travel insurance, which is why we always travel with our travel insurance annual plan. Here’s why, if you’re wondering whether travel insurance is right for you.

As we’ve stated in the past, we use Allianz Travel for our personal family travel and highly recommend them, but, even if you opt to use a different insurer, you can now use Allianz’ TravelSmart app to help you navigate any rocky moments on your next trip. The TravelSmart app is FREE for anyone to download, and helps you organize a lot of necessary emergency information and tools in one place.

Note:

Allianz has recently upgraded their annual policies in light of the recent pandemic. Their newly filed policies now include permanent accommodations for epidemics, not only the current COVID-19 but others that may form in the years ahead. This benefit is now offered beyond single trip products and I am sure it will help many travelers.

Learn more about the Epidemic Endorsement Product (EEP) benefits here:

Here’s what the TravelSmart app can do, in a nutshell:

Provide emergency numbers: Once you’ve enabled location services on the app, it can provide access to local emergency numbers for the police, medical care, and fire with one-touch calling. We always recommend storing numbers for the US embassy in your phone for each country you visit, but this app goes a step further, because honestly, how likely are you to write down ALL of these emergency services numbers?

Access a map to emergency services: The TravelSmart app will bring up a map for you of nearby services, like hospitals and pharmacies. Right on your screen, you can find addresses and phone numbers.

Translate: Once, I spent a good five minutes in a Peruvian pharmacy trying to pantomime high altitude sickness. If I’d had the TravelSmart app, I could have turned on the emergency translator and had the right medical jargon at my fingertips. There’s also a medical dictionary, and the ability to convert dosages and measurements in various systems.

Track flights: You can track your flights, any delays, and departure times from the app, once you’ve input your flight information. If you’re an Allianz customer, you’ll want your flight numbers in there anyway, just in case you need to file a claim (fingers crossed you won’t!).

Tip: If you’re already an Allianz Travel customer, you can also track any claims in the app, and pull up your current plan and coverage at any time.

There’s much that families can do to avoid most travel difficulties: map things out ahead of time, get to know the neighborhoods and culture you’ll be experiencing, and keep track of your important documents, phone numbers and WiFi options. A little planning goes a long way! But we all know the unexpected can happen, and when it does, I guarantee you’ll be glad you took a few extra minutes to download this travel app and have it set up to help lend a hand. I’d call this one of the most practical travel apps out there–with a veritable Swiss army knife of features–whether we used Allianz or not.

Download TravelSmart on the Apple AppStore or Google Play Store.

Disclosure: This post was written in partnership with Allianz Travel, in order to make our readers aware of this free service. All opinions remain my own.

Travel Tip: Is a travel insurance annual plan right for your family?

Two years ago, just before a trip of a lifetime to Paris and Brussels, we learned of the very unfortunate attack on a Paris nightclub, which of course triggered an extended search across country lines…the exact country lines we planned to cross ourselves on our Christmas holiday. We didn’t cancel our European trip, but we did have to reroute one leg, due to airport closures. As I canceled train tickets and lodging in Brussels and rebought in Florence, Italy, where we decided to go instead, I was very glad I’d purchased travel insurance.

Ditto for the time we booked a cruise to the Caribbean at the edge of hurricane season, when we hiked through Iceland, and again when a snowstorm stranded us in Seattle after a weekend trip to Breckenridge, Colorado. In this case, the cost of a hotel overnight stay wasn’t significant, but I was in a much better mood knowing I’d be recouped for the expense.

We travel hard and we travel often, usually with an adventurous itinerary. Heck yes, we need travel insurance!

Do you need travel insurance as well? I always recommend asking yourself the following questions to determine if you need travel insurance but I now go a step further: consider whether a travel insurance annual plan is right for your family. Unlike single trip plans, which expire as soon as you’re home, annual plans protect a full year’s worth of vacations, with 365 days of international and domestic coverage.

To cover our European trip, we used Allianz Travel, based on recommendations from other travel experts, and I was happily surprised to learn how little it cost me to have peace of mind (which, it turned out, we needed). Truly, it’s just a fraction of the cost all of us already sink into traveling with our families. After learning about Allianz Travel annual plans, I’ve decided that because we travel at least six times per year, we need to upgrade to this level of protection. I don’t want to hassle with purchasing insurance for every trip. And you know it will be the one trip we decide not to protect that turns into a hot mess, right? That’s just Murphy’s Law.

Allianz Travel annual plan comparison (and who needs what):

If you travel as much as we do, you probably need an annual plan, too, but which one? Here’s how Allianz’ annual plans break down, with our recommendations for each.

Annual Basic Plan: This plan does not include trip cancellation protection, which frankly, I think is essential, so it’s not the plan for me. That said, you might have trip cancellation coverage through a credit card you used to book your airfare or lodging, in which case, the basic plan is all you need. It includes emergency medical protection and emergency medical transportation protection (so important overseas where your personal health insurance may not reach), plus trip delay protection, baggage benefits, rental car damage protection, and a 24/7 assistance hotline to help with travel-related emergencies.

Annual Deluxe Plan: The Annual Deluxe plan adds trip cancellation coverage ($2,000 annual maximum), plus everything you get in the basic plan, like trip interruption, emergency medical, lost, stolen or delayed baggage and even rental car damage protection.

Annual Executive Plan: This one is better for the most frequent travelers who need who need higher trip cancellation and interruption limits (tiered levels up to $10,000 annual maximum). Of course, you still get all the other benefits listed above. If you’re planning that epic, once-in-a-lifetime bucket list-worthy trip, you may want to upgrade to this plan.

Lastly, there’s a Premier Plan, which requires a phone call to learn more about, for the absolute greatest coverage with worldwide protection. If you want or need the most extensive concierge service, call about this one.

Note:

Allianz has recently upgraded their annual policies in light of the recent pandemic. Their newly filed policies now include permanent accommodations for epidemics, not only the current COVID-19 but others that may form in the years ahead. This benefit is now offered beyond single trip products and I am sure it will help many travelers.

Learn more about the Epidemic Endorsement Product (EEP) benefits here:

Do you purchase travel insurance? Would you consider an annual plan? Let us know!

Disclosure: This post is written in partnership with Allianz Travel, for the purpose of educating my readers about available plans. All opinion remains my own.

Five questions to ask yourself before buying travel insurance

When should you consider buying travel insurance? This is a question I am asked regularly, and frankly, it’s one I’ve been mulling over when booking my own travel adventures as well. I’ve bought travel insurance for two family trips in recent years: for a vacation to the Caribbean uncomfortably close to hurricane season, and for our upcoming two-week trip to Europe.

travel-insurance

I don’t believe families need to buy travel insurance for every trip. How to know which ones are ‘insurance-worthy’? Ask yourself these five questions:

1. Am I already insured?

You may assume you are not,  but if you booked your entire trip on a major credit card, you may already have the perk of limited coverage. Personally, I do not book all my travel via credit card, which works for our family to reduce debt. However, I do miss out on the built-in travel insurance some card companies offer. Double check!

2. Is this a ‘bucket list’ trip?

Is this vacation a trip of a lifetime? In other words, will it be hard to financially recoup? If you will not be able to replace your trip financially within the foreseeable future, should something prevent you from going, you should consider insurance. For us, our European trip falls under this category. Should we not be able to go, it will take considerable time to make up for the financial loss.

3. Will I be traveling during the winter or hurricane season?

Flight delays and cancellations can happen anytime, but if you like to travel during the shoulder season or off-season, you may find yourself flying in extreme weather seasons more often than you’d like. If your trip will be in winter or during hurricane season, you may rest easier knowing you’re insured. The insurance we purchased for our winter trip to Europe covers weather-related delays. If our flight is canceled and we miss a hotel or apartment stay, we will be reimbursed.

4. Did I book a tour or cruise leaving on a specific date and time?

If you’re flying to connect with a cruise ship or major tour operation that will leave without you if you’re not on time, consider travel insurance! Anything can happen, and delays are, of course, a regular occurrence. Even if it’s not your fault you arrived at the cruise terminal an hour late, you’ll still be left behind.

5. Do I have a job that’s hard to leave?

We fall into this category…not because of my job, which is travel-friendly, of course, but because of my husband’s. Even after requesting (and being granted) time off, work-related emergencies are always a possibility. We found an insurance policy that included work-related trip cancellation, which is not always part of the package. Of course, any good policy will include illness or (god forbid) death-related cancellation, which is always good to have. Life is unpredictable.

Five easy steps to finding and buying insurance:

This is the easy part, believe it or not! Here’s what I did to identify and buy the right travel insurance for our trip:

  1. Double check that I’m not already covered (we do not have a credit card that covers us, and our medical insurance does not cover international travel).
  2. Compare insurers.
  3. Fill in the trip information needed to get a quote.
  4. Looking at your results, click on 2-3 policies and click on the ‘compare’ tab. Click on ‘details’ to see exactly what each section of the policy means. Decide how much medical coverage you need based on personal health and travel risks involved.
  5. Buy right on the site! Be sure to print your policy.