2021 will be a bizarre, and focused, travel year for me. My flights so far have been nothing – nada – zip! My adventures for the next few months will be VERY limited, that is, only a few select short trips following all the suggested safety protocols.
Now that I am a few weeks away from being fully vaccinated (i.e. two JABs of the Moderna treatment), I am turning my attention to the most important thing I can do to protect myself financially during my travels:
Resuming my annual blanket travel insurance policy!
Years ago I wrote about the one thing I always gladly pay for, that is, my blanket Allianz travel insurance policy. It is so much more than the limited, bare-bones, protection ANY travel card provides. My Allianz All Trips Travel Premier policy covers both myself, and my wife, for anything I have booked or anything I will book during the policy coverage time. I love this so much because of things like:
- I don’t have to register any trips I book or have booked
- It covers anything I book during the year paid with cash or points
- It gives me peace of mind for every trip I book
- I don’t have to pay with a certain credit card to get coverage
- It covers me for any cruises I have booked or will book
- It provides massive medical coverage and at my age that matters
- It covers me when I scuba dive vs. paying for expensive DAN coverage
- Fantastic rental car coverage over and above what I already have
- For now, provides me – limited – COVID related protections
I have returned to Allianz for a number of reasons. First up, as I blogged about before, when NCL decided to change the final port we were to end our cruise over an hour from the scheduled port they reimbursed me for the expensive cab ride to the airport. The next reason was how great Allianz treated me about this time last year. I was about halfway into my policy year when COVID ended my travel. I called to see if I could get part of my premium refunded and they gave me not 50% cash back since I had half a year coverage already but a 100% refund for the price paid.
So why do I feel now, more than ever, this is a must-have for me? As we return to travel, for a long time to come, nothing will be what was normal. Delta, the once bragged about “on time machine”, has had more operational meltdowns than SkyMiles has had devaluations in 2020 and 2021! I fully expect our dearest Delta to have more issues and not just around holidays as travel picks back up again.
The above is not just Delta-related. I have way more points than I like to admit and I will be flying other airlines this year and they likely also will have operational issues as they try to get back to what things were like pre-COVID reductions. Same goes for just about anything that touches my travel experience – I foresee nothing working as smoothly as it did before the pandemic hit for the rest of the year.
Now before anyone comments about COVID being a “get out of jail free card” for Allianz to simply deny everything and pay out nothing – they have been so great in the past I expect the same when things go wrong for me during the next 12 months of coverage.
I would also love to point you to some shopping portal like Rakuten or TopCashback to get a discount on Allianz but sadly they have withdrawn from any and all programs that I can find (anyone else see a discount code or something others can use?).
Are you a yearly travel insurance buyer or do you simply get by with the coverage you get from your premium travel cards? – René
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