Awesome Benefits: A Great Reason to Use Allianz

Airplane at the Jetway in Guernsey. Find out about Smart Benefits from Allianz.
Airplane at the Jetway in Guernsey. Find out about how you can be covered for flight delays even without receipts from Allianz!

Get Smart with Allianz Travel Insurance All Year Long

By Max Hartshorne
GoNOMAD Editor

We have long been partners with Allianz Travel Insurance, and for many good reasons.  Everyone who is involved with our website is traveling all of the time, and if you read enough travel blogs as we do, you know that things happen. And when the bad things happen, we’re covered with Allianz Travel Insurance. Now it’s even better with Smart Benefits that make claims very quick and easy.

But there are many new benefits and things that I never knew came with the policy….who reads it, right?

Terminal at Charles De Gaulle, Paris. Smart Benefits from Allianz help all travelers with flight delays and baggage loss.
A terminal at Charles De Gaulle airport, Paris.

Below is are some of the smart benefits that make buying your policy from Allianz the smartest decision you can make.

Here’s How it Works

When you purchase your travel insurance plan, submit your flight information on allianztravelinsurance.com (or through AgentMax, if you’re using a travel agent). You also can submit your flight information on the free TravelSmart app prior to 48 hours of departure.

Allianz will monitor your flights, and if the airline announces a covered delay, then they will send you an email, text message or both (whichever you prefer). The message will tell you that you’re eligible for an automatic claim payment of $100, sent by check within 5-10 business days. If you want the money faster, just click the link in the message and tell them how to send it:

  • Debit card (they will send the payment right away, once your claim has been approved, but your bank may take longer to process the transaction)
  • Direct deposit (you should receive payment within 2-5 business days

Smart Benefits are Easy!

It’s that easy! Please note that if your flight is canceled, you are not eligible for proactive payments. You still can file a no-receipts claim, if a flight cancellation results in an eligible covered travel delay.

What if your covered expenses during an eligible travel delay — such as a hotel stay or meals — exceed $100? You still can submit a claim with receipts for the remaining expenses, up to the maximum benefit limit specified in your plan. Just make sure you provide proof of expenses incurred over the $100 fixed payment.

Delayed or lost baggage is covered by Allianz Travel Insurance and smart benefits.
Delayed or lost baggage is covered by Allianz Travel Insurance.


No Receipts for Delay Claims!

Typically, travel delay benefits work like this: You save all your receipts for the essential things you needed to buy during your delay. When you file a claim, you submit those receipts, along with evidence of your covered delay, so you can be reimbursed.

At Schiphol airport, baggage is all high tech, and the security people are very helpful.
At Schiphol airport, baggage is all high tech, and the security people are very helpful.

Allianz Global Assistance now offers another option: no-receipts claims for covered travel delays. Instead of submitting all those receipts, you can choose to receive a fixed-amount inconvenience payment of $100 per insured person, per day. All you need is proof of a covered delay.

This is different from the automatic claim payments for monitored flight delays because a) you’re not required to enter your flight info ahead of time and b) while quick, it takes a little longer. No-receipts claims are typically processed within 7 days.

You can choose how you’d like to receive your payment, once your claim has been approved: on your debit card; by direct deposit, or via a mailed check.

If your covered expenses during an eligible travel delay go over $100, you can submit a claim with receipts for the remaining expenses, up to the maximum benefit limit specified in your plan. You’ll need to show proof that your expenses exceeded the $100 fixed payment.

No-Receipts Claims for Covered Baggage Delays

Baggage delays are tricky because you never know what to expect. A 12-hour delay on your suitcase might not be a big deal… unless your cruise ship is departing in six hours!

Luckily, SmartBenefitsSM also includes optional no-receipts claims for covered baggage delays. All you need to do is submit proof of a covered baggage delay to receive a fixed-amount inconvenience payment (typically $100 per insured person, per day). No receipts needed!

If you have to purchase more than $100 worth of essential items because your baggage was delayed, you can choose to file a claim with receipts for the remaining expenses, up to the maximum benefit limit specified in your plan. As with the other SmartBenefitsSM, you’ll need to provide proof that your expenses exceeded the $100 fixed payment.

New SmartBenefits Reshape How Travel Insurance Works from Allianz Global Assistance USA on Vimeo.

This post is sponsored by Allianz Global Assistance (AGA Service Company) and I have received financial compensation. However, all thoughts and opinions are my own.

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