Is my once-a-year travel insurance policy coverage refundable?

Expensive Journey TROUBLESHOOTER: Right before the pandemic, I compensated $1,025 for an once-a-year journey insurance plan policy as a result of Allianz for my wife and me. She’s in her 70s, and I’m in my 80s. Then COVID-19 came along, and we had to terminate everything we planned to do in Europe. So our policy became useless.

Christopher Elliott, the Travel Troubleshooter ...
Christopher Elliott, the Journey Troubleshooter 

I asked Allianz if we could transfer our coverage to subsequent year when vacation appears to be coming back again. The organization made available a 90-working day extension, but it’s apparent that there will be no journey for us through those 90 times. I’d like your aid to possibly get a refund for the worthless journey insurance or have the policy extended for yet another 12 months when it seems we will essentially be capable to make use of it.

— Durndord King, Santa Monica, California

Answer: I’m sorry you experienced to terminate your journey to Europe. You would consider that your vacation insurance policy would be refundable, but it generally is not.

Allianz travel insurance policies ideas give protection for any trips that are additional than 100 miles from your household and arise all through the policy’s effective period of time. So it would have also applied to your visits within the U.S. to take a look at mates and relatives in the course of the summer months and holidays. If you want to cancel your annual travel insurance policy, you can do so for any reason and acquire a prorated premium refund.

It seems you questioned for an extension of your plan. Allianz was featuring extensions during the pandemic on a situation-by-case foundation, so it made available you an extra 90 days of protection. But you informed an Allianz consultant that you couldn’t use the excess 90 days, which is thoroughly understandable.

Journey insurance policies companies have some overall flexibility when it arrives to requests like yours. You could have appealed to Allianz on the net (I suggest a prepared appeal with any documentation). You also could have appealed to an govt at Allianz. I listing their names, quantities and email addresses on my buyer advocacy web-site at
By the way, I have the identical once-a-year plan that you do. It would make a large amount of sense for tourists who choose various trips in a year.