I’ve already told you how important it is to get travel insurance, but as I am planning my upcoming travels for 2018 (which include Iran, Turkmenistan, Papua New Guinea, Solomon Islands, Namibia, etc) — I thought it would be a good time to break down my insurance plan step by step and let you know what is covered.

I have enrolled in an annual travel insurance policy with Allianz Travel Insurance, who is one of my partners — and their extensive policy covers anything you will need while on the road in case of unexpected emergencies.

The below photo is a quick breakdown of my coverage amounts, followed by more detailed descriptions below:

Baggage Coverage $1,000.00 – Since I’m now making videos full-time, I travel with a lot of gear.  This baggage coverage is nice to have for piece of mind in case one of my bags gets lost or stolen.

Baggage Delay Coverage $1,000.00 – If one of my bags is delayed for at least 24 hours, this coverage will be used to reimburse for clothes, toiletries and other immediate needs out of my bag that I do not have.

Business Equipment Coverage $1,000.00 – If one of my cameras, for example, get’s damaged, lost or stolen — this provides reimbursement for repair.

Business Equipment Rental Coverage $1,000.00 – this one provides reimbursement for reasonable rental costs if something has been lost, stolen or damaged.

Collision/Loss Damage Insurance $45,000.00 – Perhaps one of the most useful parts of my coverage plan, this part covers my rental car if it is stolen or damaged in a covered accident. I’ll be in Florida next week renting a car and driving all over the state, so this is great to have!

Change Fee Coverage $250.00 – If my flight dates get changed or switched around, this will reimburse.

Emergency Medical and Dental $50,000.00 – The most reassuring one for me is medical and dental coverage, because something bad can happen at any time while on the road. This provides coverage for any emergency medical or dental hospital visits when I’m away from home.

Trip Cancellation Protection $5,000.00 –  Should a trip be cancelled for a covered reason, this one provides reimbursement for non-refundable trip payments.  Once again, this is so nice for piece of mind because cancellations are really annoying and are out of my control!

Travel/Trip Delay Coverage $1,500.00 – If one of my trips is delayed for 6 or more hours, this part reimburses for additional expenses, meals, accommodations etc.

Trip Interruption Protection $5,000.00 –   Should a trip be interrupted, reimbursement for the unused, non-refundable portion of my trip and for increased transportation costs to get home.

Travel Accident Coverage $50,000.00 – If something extreme happens, such as death, loss of sight, etc — the travel accident coverage offers a payment of $50K in cash. 

I feel really good knowing that I will be covered in all of the above categories if an unexpected emergency happens while I am abroad.  And in addition to the extensive coverage in my plan, Allianz Travel Insurance has excellent 24-hour customer service and friendly staff to be at your needs within seconds.   I recommend getting their TravelSmart App which will make everything accessible on your fingertips!

If you have any further questions about getting health insurance, or what’s in my plan, don’t hesitate to contact me!

Disclaimer: I am partners with Allianz and receive financial compensation from them.  That being said, this post was written by me and all opinions are mine.

Drew Binsky

A graduate from The University of Wisconsin-Madison, Drew Binsky has visited 190+ Countries since 2012.He first caught the travel bug while studying abroad in Prague, then taught English in Korea, and now he's on a mission to visit every country on earth.Follow his journey on YouTube & Instagram @drewbinsky 🙂

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16 thoughts on “A Detailed Look Inside My Travel Insurance Policy

  1. Yes thanks for the good articles on your website. I was looking for something like if you have ever traveled to Africa – Rwanda, Uganda or Congo for Gorilla and Chimpanzee trekking?. Cant your insurance cover in Africa especially Uganda, Rwanda and Congo?

  2. Very useful information. It’s always better to be prepared. I don’t travel with a lot of gear like you but when something happens, I’m grateful for the safety net that it provides. Thanks for sharing.

  3. My friend fell off a horse last month in Dubai and her medical bills have already surpassed $80k – I’d look at increasing your medical cover, just in case. (PS Mother mode is engaged here)! haha

  4. That level of coverage doesn’t seem very high. My phone is worth more than $1000 never mind my camera equipment…?
    I’d recommend at least trebling your cover, personally.

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