
You don’t have to be a frequent traveler to know that a good travel policy can save you time, hassle, and moolah. But travel insurance is not one size fits all, and new developments in the purchase process mean travelers can elect their policy while booking a flight or trip itinerary.
You, dear readers, know we’ve been proponents of an annual travel insurance policy with Allianz. That works for us but isn’t necessarily the best for someone who takes only a couple trips a year. Single trip policies are good options, but what’s the best time to buy the insurance? And how many people remember to juggle all the insurance variables while in the midst of choosing a flight time and seat?
For a complete picture of travel insurance options, see our post, Travel Insurance Basics and New Coverage Options.
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Buying Travel Insurance On-the-Fly
Now you can buy travel insurance while you're in the process of booking your trip. New software developed by Allianz works right along with you during your travel booking process and matches the best travel insurance policy for you, right then. Just add on the insurance while you are booking.
This new technology is a far cry from the sort of fine-print boilerplate jumble that everyone tends to ignore. Allianz customizes the options and pricing for you depending on your type of trip and how far in advance you are booking. These are all factors you might have to consider in selecting your insurance, but that are now sorted out for you.

A recent story in Forbes summed it up like this:
“The goal: to ensure that travelers get the most appropriate product for their trip and don’t overpay for coverage. Allianz added machine-learning and artificial intelligence technology to offer real-time personalization that delivers the product recommendation in less than a second.”
Of all the variables to consider (trip cancellation, medical emergencies, policy cost, exclusions, etc.), the primary consideration ought to be what sort of company is behind the policy. Our experience filing claims with Allianz–for ailments ranging from a dog bite to Delhi belly–indicates reliable service. So it’s not surprising Allianz is applying their expertise to this new customer service approach.
Here are some of the basics that are handled during insurance purchases integrated into the booking process.
Travel Insurance Coverage
Automatically, you’ll be offered an appropriate policy, considering, for example, whether you have connecting or direct flights, or whether your trip is domestic or international.
Policy Cost
A policy pinpointing the type of travel you are booking prevents offering coverage you're not likely to need and keeps your costs down.
Awards Travel
If you are booking using awards miles, the Allianz offer will be a low cost, flat fee insurance policy to protect your points.
Time
The automated process can save hours of work comparing and contrasting policy details.
Satisfaction
The policy selection and pricing is designed to be the best available at the time of purchase. (After-booking policies are commonly priced higher.) For peace of mind, Allianz provides a 10-day review period. As long as your travel hasn’t started, you are free to request a refund if you’re not satisfied with your trip insurance.
So that's what's new in the world of purchasing travel insurance. To review all your options the old fashioned way, just visit Allianz Travel's website and get a quote today. Or check out our story about Allianz' Smart Travel Insurance Claims. You can see instantaneous payments for certain fixed-payment claims.
Once you are on your way, relax knowing you have taken best steps for stress free travel.
Up Your Travel Skills
Looking to book your next trip? Use these resources that are tried and tested by us. First, to get our best travel tips, sign up for our email newsletter. Then, be sure to start your reading with our Resources Page where we highlight all the great travel companies and products that we trust. Travel Accessories: Check out our list of all the accessories we carry to make getting there and being there a lot easier. Credit Cards: See our detailed post on how to choose the right travel rewards credit card for you. Flights: Start finding the very best flight deals by subscribing to Thrifty Traveler. Book your Hotel: Find the best prices on hotels with Booking.com. Travel insurance: We recommend the annual plan with Allianz Travel Insurance. See all of the gear and books we like in one place on our Amazon shop.Got a comment on this post? Join the conversation on Facebook, Instagram, or Threads and share your thoughts!
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