We’re excited about our enhanced Allianz Travel Insurance plans with SmartBenefitsSM we launched in July 2018 for our travel agent partners. These are the most extensive series of customer-centric product enhancements, new coverages and innovative travel delay features we’ve designed in years.
Our revolutionary trip protection benefits give travelers even better financial protection (ie. more reasons to get reimbursed), while making it faster and easier for customers to get their claims paid.
Proactive Claim Payments for Flight Delay
Our most innovative benefit is proactive claim payments sent within minutes of qualifying flight delays, as we actively monitor customers’ flights. For example, if a four hour flight delay occurs (qualifier varies by plan), we proactively file a claim for the customer and offer three convenient payment options.
Customers can opt to receive typical fixed payments of $100 per person on their debit card within minutes (after entering payment details), while direct deposit payments are available in 24-48 hours. If no action is taken, customers are mailed a check automatically.
Note: This flight delay benefit is only activated if flight information is entered in AgentMax and customers opt in for communications.
“No Receipts” Claims for Travel and Bag Delay
We’re making travel and bag delay claims easier by giving customers the option to receive a faster, fixed-amount payment for their inconvenience, without uploading any receipts. After filing a complete claim online, customers can receive electronic payments within seven days, typically $100 per person impacted by the delay. Customers who provide receipts may qualify for a higher daily amount of reimbursement.
Some of our most significant product enhancements and added coverages for your clients include:
1. Improved Emergency Medical Coverage
All travel plans now include primary emergency medical coverage, which helps customers get quicker access to medical payments (up to their coverage limits) on qualifying claims.
For claims that qualify for pre-existing medical conditions coverage, we’ve made it easier for customers to file by no longer requiring them to get a Physician Statement Form filled out by their doctor. We also improved coverage limits on trip cancellation claims involving pre-existing medical conditions for travelers taking more expensive trips.
2. Expanded Travel Coverage
We’ve added new covered reasons for reimbursement, such as Mandatory Evacuation and (available on select plans) Hurricane Warning, to help keep travelers out of harm’s way and enable them to cancel their trip if a natural disaster makes their destination unsafe.
We also redesigned our Travel Delay benefit to help customers reach their destination sooner by alternative means, such as when severe weather or storms causes an extended delay by the carrier.
3. Simplified Benefit Descriptions
We rewrote descriptions of benefits and coverages on Allianz Travel Insurance policies, making it easier for all customers to understand what situations can be covered. We also now remind customers what their insurance benefits are and ways to access emergency travel assistance by sending them emails days before their trip.
These product enhancements for Allianz Travel Insurance plans were available in most U.S. states on July 24, 2018 for trips booked through our travel agency partners.
Useful tip: AgentMax Online is designed to guide travel agents and make it easier for them to select the optimal product benefits for each client, based on the traveler’s type of trip and state of residence.
For more information on our SmartBenefits and product enhancements, contact your field sales representative. Ask us about additional product training.