In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses.

Allianz Global Assistance in 2026 operates as a comprehensive safety net that reimburses you for non-refundable expenses when a trip is interrupted or canceled due to "covered reasons." These reasons typically include sudden illness, injury, or severe weather. The way it works is that you pay a premium based on your total trip cost and age. If something goes wrong, you file a claim through their mobile app, providing documentation like doctor's notes or airline delay statements. A key feature in 2026 is their "OneTrip Prime" or "OneTrip Premier" plans, which include "SmartBenefits" that pay out a fixed amount (e.g., $100) for a flight delay of 3–5 hours without requiring receipts, providing instant relief for meals or transport. Additionally, Allianz provides 24/7 "Global Assistance" hotlines that can help you find local medical facilities or coordinate emergency medical evacuations, which are notoriously expensive if paid for out of pocket.