When you purchase Allianz Global Travel Insurance, it’s essential to understand the details of your coverage. Your policy is underwritten, and the specifics depend on factors like your state of residence and the plan you choose. This ensures that you receive appropriate protection for your travels.
Who Underwrites Your Allianz Travel Insurance Policy?
Allianz Global Travel Insurance policies are underwritten by established insurance companies. Depending on your policy, your insurance benefits will be provided by either:
- BCS Insurance Company: Located in Oakbrook Terrace, IL, and holding an “A” (Excellent) rating from A.M. Best Co.
- Jefferson Insurance Company: Based in Richmond, VA, and rated “A+” (Superior) by A.M. Best Co.
These ratings from A.M. Best, a well-respected credit rating agency, indicate the financial strength and stability of these insurers, giving you confidence in the backing of your allianz global travel insurance. It’s important to note that “A+” (Superior) and “A” (Excellent) are high ratings within A.M. Best’s ranking system, reflecting their ability to meet ongoing insurance obligations.
Important Policy Terms and Conditions
Like all insurance policies, allianz global travel insurance comes with terms, conditions, and exclusions. These apply to various aspects of your coverage, including pre-existing medical conditions. It’s crucial to review your policy documents carefully to understand these details fully.
Key points to be aware of include:
- Terms, conditions, and exclusions: These define the scope of your coverage and any limitations.
- Pre-existing conditions: Coverage for pre-existing conditions is subject to specific terms and exclusions outlined in your policy.
- U.S. Residents Only: Plans are generally available only to U.S. residents.
- Jurisdictional Availability: Policy availability may vary depending on your specific location within the U.S.
Allianz Global Assistance markets and distributes allianz global travel insurance products. It’s also important to understand that while Allianz Global Assistance is affiliated with Jefferson Insurance Company, this affiliation does not provide the insured with any special benefits beyond the terms of the policy itself.
Understanding Insurance Benefits and Assistance Services
Your allianz global travel insurance plan includes both insurance benefits and assistance services. The insurance benefits are underwritten as described above. Non-insurance assistance services, if included in your plan, are provided through AGA Service Company. Remember that unless explicitly stated in your plan, you are responsible for any charges from third-party providers.
Contacting Allianz Global Assistance
For any questions or customer service needs related to your allianz global travel insurance policy, you can contact AGA Service Company directly:
- Phone: 800-284-8300
- Address: 9950 Mayland Drive, Richmond, VA 23233
- Email: [email protected]
By understanding these key aspects of your allianz global travel insurance policy, you can travel with greater peace of mind, knowing you have appropriate coverage and know where to turn for assistance.
