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Do I need Travel Insurance? Alpaca Your Bags Travel

do i really need travel insurance?

why do i need travel insurance?

Most all-inclusive resorts and vacation packages are PRE-PAID and NON-REFUNDABLE.
As much as we try, there are some things we cannot plan for.
Travel insurance is rarely for the things we can predict - its for the unexpected.

TRAVEL INSURANCE COST ESTIMATOR

By clicking here, you will leave this site and be re-directed to our insurance partner, Allianz.

WHAT TYPE OF TRAVEL INSURANCE IS RIGHT FOR ME?


Not all travel insurance is the same.
This is an area where the fine print really matters. Like most things in life, you get what you pay for.
Cheap travel insurance can be like a cheap parachute...
it may mean less coverage and fewer resources when things go awry.

In most cases, we partner with Allianz Travel Insurance.
The most purchased Allianz travel insurance policies are the "Classic Plan with Required to Work" coverage or the "Classic Plan with Cancel Anytime" coverage.


The Allianz Classic Plan with Required to Work coverage is a traditional travel insurance policy where you need to show documentation for a claim. This means that if you file a claim for a covered reason, you must provide documentation to support your claim

The Classic Plan can prepare you for the unexpected with generous levels of protection for domestic and international travel. It's the ideal travel companion with features like trip cancellation protection, emergency medical benefits, 24-hour emergency assistance, and available benefit enhancements that can tailor the plan to fit your needs. This plan also includes smart benefits that can pay you proactively and simplify the claims process with no receipts required. Plus, kids 17 and under are covered for free when traveling with a parent or grandparent.  If you have a pre-existing medical condition, your plan excludes losses due to that condition unless you qualify for a waiver under the terms of your plan. See Plan and Pricing Details for more information.

The Required to Work enhancement gives you the added flexibility to cancel your trip for work-related reasons like a business/company merger, your workplace becoming unsuitable for business, or simply because your boss says so. Plan must be purchased within 14 days of the initial trip deposit/payment to make this feature effective.

Please note: If you have a pre-existing medical condition, your plan excludes losses due to that condition unless you qualify for a waiver under the terms of your plan. See Plan and Pricing Details for more information.


The Allianz Classic with Cancel Anytime is a special plan that allows you to file a claim for almost any reason with NO documentation. It's an easier policy, but more expensive.

The Classic with Cancel Anytime Plan gives you the extra flexibility of knowing you can cancel your trip for almost any unforeseen reason that the Classic plan does not already cover at 100% and receive 80% of your non-refundable trip cost back. It includes benefits like trip cancellation protection, primary emergency medical benefits, 24-hour travel assistance, and more. This plan also has smart benefits that can pay you proactively and simplify the claims process with no receipts required.

Please note: Plan charge includes the cost of insurance benefits and assistance services. If you have a pre-existing medical condition, your plan excludes losses due to that condition unless you qualify for a waiver under the terms of your plan. See Plan and Pricing Details for more information.

If you have a pre-existing health condition, are pregnant, planning to become pregnant, special policies are available for your needs.  Please make sure to contact us for details.

Please read policy details carefully before purchasing.
If you have questions, we are always available to help!
Email me at ashley@alpacayourbags.com or call me at 816-287-0383

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