When it comes to purchasing travel insurance during this unprecedented time, choosing a plan can feel daunting. Confused by the options? Don’t fret. We asked Allianz Travel Insurance in the U.S. and Manulife in Canada, two of our travel insurance partners, for their professional insight.

Here are six things they recommend travelers consider when purchasing travel insurance.

1. Your credit card coverage might not cover all your needs.

Manulife mentioned many people assume their credit card’s travel insurance is enough but be sure to read the fine print. Some credit cards have age limits for medical coverage, or they may offer trip interruption but not trip cancellation prior to departure.

2. Purchase travel insurance early to get the most protection out of your plan.

Allianz Travel Insurance said it’s a good idea to purchase travel insurance at the time of your initial trip deposit to receive the longest possible window of protection. This is particularly important when your plan offers a pre-existing condition exclusion waiver. You’ll want to be sure you purchase your plan within the specified timeframe to meet the criteria for this added benefit.

3. Protect yourself on journeys both near and far.

Allianz Travel Insurance added that even if you’re traveling relatively close to home, you’ll want expert help in an emergency — and Allianz Travel Insurance includes access to an award-winning assistance team that’s available around the clock. Depending on your plan, you may also have primary medical benefits to protect you whether you’re 100 or 1,000 miles from home — helping you avoid deductibles and co-pays, plus substantial emergency transportation fees. It’s important to remember most health insurance plans (including Medicare and Medicaid) won’t cover you outside your country. Plus, you can get reimbursed for non-refundable cancellations if you or someone named on your plan becomes ill with COVID-19 before or during your trip.

4. Make sure the insurance you purchase has 24/7 multilingual assistance.

Manulife noted you will want to be able to reach your travel insurance provider at any time of day. Additionally, they should be able to communicate with hospital staff in any language.

5. Plan for unexpected emergencies in your extended family.

Allianz Travel Insurance plans include more family members under covered reasons than you might think. For example, if your employed, live-in caregiver gets sick and can’t care for your children while you’re away, and one of your plan’s covered reasons is “illness of a family member,” you could cancel or cut your trip short and cite this as a covered reason for your claim. Check with your travel advisor for a full list of who’s considered family under covered reasons.

6. Consider purchasing a Trip Cancellation and Interruption Plan.

Manulife said trip cancellation and interruption are the most common travel insurance claims. It can be easy to overlook this coverage and just go with emergency medical insurance, but it’s important to keep it in mind. It can save you thousands of dollars if you must cancel an expensive trip.

IMPORTANT: Before purchasing a travel protection plan, please read the Allianz Travel Insurance Coverage Alert for details on how policy limits or excludes coverage related to COVID-19, as well as temporary, specific accommodations offered. Terms, conditions, and exclusions apply


For more info on travel insurance check out Allianz Travel Insurance for your travel policy needs.

It’s a typical day on a tropical beach somewhere in the Caribbean, or perhaps Mexico. The breezes are cool, the ocean is warm, and the hours are languorous. Butlers carry cocktails to waiting for guests who are happy to accept them. Farther inland, children play at a kids’ club and teens chat over games. Diners travel around the world without ever leaving the resort, sampling hibachi, ceviche, and the delectable, edible works of art offered up as dessert. In the spa, tranquil, almost-hypnotic music casts a spell of quieting relaxation — a rare moment of genuine peace.

No, it’s not a flashback to the days before COVID-19 (seven months or more like 100 years ago). It’s a portrait of the present, at an all-inclusive resort.

On the beach, the loungers are spaced widely apart. The staff all wear masks and carry hand sanitizer. At the kids and teens clubs, temperatures are checked, and new protocols are explained (most memorably at Iberostar Hotels & Resorts’ Star Camp, where a “medic superhero” unriddles social distancing). In restaurants, menus are posted to digital boards and accessible by phone, buffets have been reimagined, and new individual takeaway portions have been introduced. Meanwhile, at the spa, beds are disinfected before and after each use, and amenities are sanitized and sealed.

With over 70 years of evolution behind the all-inclusive, it’s unsurprising that when we found ourselves facing a history-making pandemic, these hotels were some of the quickest to act, pivoting without pause to become pacesetters in health and hygiene.

Adapting rapidly, premier all-inclusive brands from across the globe partnered with world-class organizations to establish broad-gauge guidelines for safety, sanitation, and quality … and give us all hope that vacationing can be safe once again.

Spick-and-Span from Top to Bottom

When you go to an all-inclusive, you expect the beach to be pristine. Now, new cleaning practices are making every inch of hotel grounds as unblemished as the sands they sit on. Constant disinfecting of common areas? Check. Air purification and water systems testing? Check. Strict requirements for suppliers dropping off products? Check. If it’s in any way part of your experience or a staff function, it’s been scrutinized and sanitized.

New Standards, Same Mission

For all these changes, however, the heart of an all-inclusive stay remains the same. The luxury is still there — but more innovative. The recreation is still there — but safer. The selection is still there — but with a focus on hygiene. Because, even though new sanitation requirements are rigorous, they’re also unobtrusive. Whether staying at a RIU hotel or a Blue Diamond resort, a Bahia Principe property or a Palladium one, you’ll continue to get that vacation feeling you’ve always known. Plus, with reduced occupancy, getaways feel more private and services more personalized, actually enhancing your experience.

Far-Reaching Value

One of the greatest things about all-inclusives has always been their value. When you stay at one, everything — room, food, drinks, entertainment — is rolled up into one price, meaning you never have to worry about a budget. Before the pandemic, hotels were busily adding even more to that list: spa treatments, excursions, cultural experiences. Now, more than ever, you can unwind and let go. And that’s the true value of these resorts. Because, when you don’t need to leave the property, you can relax like normal — no worrying about unknown protocols or uncontrolled crowds.

A Trip You Can Trust

From Cristal International Standards® to Ecolab, brands like AMResorts, Karisma Hotels & Resorts, and the all-inclusive Hard Rock Hotels have teamed up with some of the biggest names in safety certification. Brands are now making it easy to see their exact sanitation standards by listing it on their website and with just one glance, you can rest assured your resort is taking every precaution.

This era of new health awareness isn’t ending any time soon. But, thankfully, with all-inclusive hotels helping lead the way, neither is travel. 

Have you thought about planning your next All-Inclusive vacation?