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Travel Insurance Marketing Guide 2016
Disclaimer: Please notice that travel insurance is provided by Allianz Global Assistance.
Welcome! We are excited you are here. Allianz Global Assistance, a world leader in travel insurance and assistance services, offers many reasons to protect your clients and their family with travel insurance. They help travelers every year through unanticipated travel delays, bad weather, lost luggage, and medical emergencies in foreign countries.
Within this Travel Insurance Marketing Guide, you will find some materials with great information to help your clients understand the importance of travel insurance, while increasing the earning potential for you.
We are so excited to have you along for the ride!
Welcome to Allianz Global Assistance.
The content in this Travel Insurance Marketing Guide is entirely interactive to ensure you have the best experience possible. You will find that you can easily navigate between pages and can jump to other pages with a simple click of your mouse.
Each page is color-coded based on the audience it serves. Blue is for you, the agent, and red is for your customers, the clients.
Title pages of sections have a full-page image on the left side, with it’s various topics on the right. To open a topic, click on the bolded text above the topic description. To navigate back to the section title page, select the button on the bottom right of the page. If there is no button, the section is not over yet!
On the Table of Contents page, you will see all of the exciting information we have included in this guide. The images link to their corresponding sections and the bullets below will take you directly to the pages within that section.
Button back to Table of Contents or section title page
Links to Page
Links to Section
Links to PageSection Title
Corresponding Section
For You
Working with Allianz Global AssistanceWelcome to your best partnership yet.
Agent Training ToolsThe best travel insurance tools, right at your fingertips.
Importance of Travel InsuranceYou’ve planned the trip, now we’re here to protect it.
• Top 10 Reasons to Buy
• Why Recommend AGA?
• Global Reach
• Best Practices
• Overcoming Objections
• Maximizing Your Travel Insurance Earnings
• Video Library
• Marketing to Your Clients
• Claims Process
• Travel Insurance Terms 101
• In the News
• AgentMax & 2nd Chance by MaxMail
• TravelSmart Mobile App
Claims ProcessDoes the cruise line insurance fully protect your clients?
Why Travel Insurance fromAllianz Global AssistanceProtecting your clients’ adventure.
TravelSmart Mobile AppThe power of a global medical advisor at your fingertips.
Who’s FamilyWondering who is considered “family” under covered reasons? Look no further!
Top 10 Reasons to Buy Travel InsuranceWhy smart travelers choose Allianz Travel Insurance for what’s ahead.
For Your Clients
For You
Take a look at 10 reasons why smart travelers choose Allianz Travel Insurance for what’s ahead.
You’ve planned the trip, now we’re here to protect it.
Wondering why Allianz Global Assistance is the preferred travel insurance supplier? Look no further!
Top 10 Reasons to Buy Travel Insurance
Why Recommend Allianz Global Assistance to Your Clients?
Importance of Travel Insurance
Back to Table of Contents
Global ReachFind out how Allianz Global Assistance provides your clients with the assurance of care no matter where they travel.
So your client just called and needs to file a claim: now what?
Allianz Global Assistance is recognized on a global level. Take a look at some of our most prominent publications.
Allianz Global Assistance provides the industry’s leading assistance and technology services.
Your clients have questions; we have the answers.
Claims Need-to-Know
Travel Insurance Terms 101
In the News
Award-Winning Technology
Working with Allianz Global Assistance
Welcome to your best partnership yet.
Back to Table of Contents
Global ReachWorking with Allianz Global Assistance
Wherever our clients find themselves, they find us too!
Worldwide Medical NetworkAssurance of care no matter where your clients travel.
StabilityWe’re all in.
Feet On The GroundWe stand with your clients while they explore and experience.
Approved Medical Facilities
Emergency Medical
Assistance
Dedicated Team to Manage &
Contact Service Providers
• Backed by the 27th largest company in the world*
• 24/7/365 assistance: service that’s always on
• 60+ years of assistance experience *2014
Emergency Message Service
Prescription Replacement
Document Translation
Emergency Cash Service
Destination Information & Lost Luggage Assistance
Travel Document Replacement
Assistance
Emergency Legal Referral
Emergency Interpretation &
Translation
• $2.48B in annual revenue*
• AA - S&P ranking*
• 55th on the Interbrand Global 100 List*
• 58 languages spoken
• 250 million people helped
The Global Medical Assistance Advantage
• Pre-authorized hospital admissions for your clients
• Our team of doctors visits and evaluates more than 1,700 hospitals in 160 countries on an ongoing basis
• Our award-winning customer service associates follow your clients’ care every step of the way
Back to Working with AGA
When it comes to insurance claims, we are experts. Send your clients our way if they express the need to start the claims process. Our dedicated customer service team is available around-the-clock to serve your clients as efficiently and thoroughly as possible.
Encourage your clients to visit allianztravelinsurance.com/partner or have them 1.800.284.8300 call with any questions.
Exceptional service in unforeseen circumstances.
For a closer look at what your clients need to know, click here.
Claims Process
Working with Allianz Global Assistance
allianztravelinsurance.com/partner
We are just a phone call or click away
1.800.284.8300
Back to Working with AGA
Existing Medical Condition
Date of Policy Purchase
Existing Medical Condition:Physician engaged Symptoms present
Medication prescribed
120 Days Prior to Policy
Purchase
Travel Insurance Terms 101
Working with Allianz Global Assistance
Your clients have questions; we have the answers.
It’s booking day! Here are some questions to run through to find out if your client(s) has an existing medical condition.
• Is your client* taking medicine for a recurring condition? • In the last six months, have they been to a doctor and/or been
prescribed new medicine?
If your client answered yes to one or both of these questions, they may have an Existing Medical Condition. Please see the next page for coverage stipulations.
*Refers to client, traveling companion, and/or family member.
Do You Cover Existing Medical Conditions?Yes, if you meet all of these requirements:
Purchase policy within 14 days of initial trip deposit**
Medically able to travel at the time of purchase of insurance
Full non-refundable trip cost insured
U.S. Resident
$50K maximum trip cost per person**
14
+
$
**Please read the Certificate of Insurance for specifics or call Allianz Global Assistance at 1.800.284.8300 for help.
Trip Cancellation & Interruption
Trip Interruption
Trip Cancellation
Before departing on their trip, the client is
injured in a car accident, rendering them unable to move forward with their purchased trip.
Client is unable to embark on their trip.
Can cover non-refundable payments & deposits.
Client is needed at home and thus has to
come home from their trip early.
While on the trip, client receives news
that a family member has fallen ill.
Client embarks on their trip.
Client purchases trip with Allianz
Global Assistance Travel Insurance.
Did your client have a disruption before their trip that prevented trip departure? This would fall under Trip Cancellation.
Did your client have an interruption during or after they departed? This would fall under Trip Interruption.
Can cover pre-paid expenses, transportation home, and/or transportation to resume the
remainder of the trip.
Covered Reasons
HEALTH
TRANSPORTATION & ACCOMMODATION
LEGAL
ENVIRONMENT
POLITICS & VIOLENCE
WORK
Attending Immediate Family Members Birth*Death of Family MemberDeath of InsuredDeath of Traveling CompanionCovered Illness of Family MemberCovered Illness of InsuredCovered Illness of Traveling CompanionCovered Injury of Family MemberCovered Injury of InsuredCovered Injury of Traveling CompanionNormal PregnancyQuarantine
Covered Travel Delay - loss of 50%Financial DefaultInvolved in a Traffic AccidentLoss of Accommodations Abroad
Legal Separation or DivorceJury Duty/Subpoena
Complete Cessation of ServicesDestination UninhabitableHome Uninhabitable
Foreign and Domestic TerrorismFelonious AssaultHijacking
Required to Work*Company Merger or Acquisition**Company Unsuitable for Business**Employer TerminationMilitary Obligations
*Trip Cancellation only.**Only available with Required to Work optional add-on.Bold-faced type means first and/or only in the industry.
Back to Working with AGA
The specific situations and events that may be covered by the insurance policy. All policies are different. Please read the Certificate of Insurance/Policy for more information.
Online Claim Filing Understanding the method of claim filing your clients prefer.
Review claim checklist
Client clicks “File A Claim”
Client searches for policy number
Working with Allianz Global Assistance
partner.allianztravelinsurance.com
Client fills out claim information
Client uploads supporting documentation
Claim has been received
Back to Working with AGA
allianztravelinsurance.com/partner
In the News
Working with Allianz Global Assistance
We make headlines wherever your clients are.
How Millennials, and Airbnb, are transforming travel for the rest of us
More Than Half of Americans Haven’t Taken a Vacation in the
Past Year, Study Shows
“For international travelers, I recommend downloading the TravelSmart app from Allianz Global Assistance.”-Johnny Jet, author of “The Ultimate Internet Travel Guide”
“How can you avoid trouble? Buy travel insurance.”
-USA Today, Jan. 2015
Back to Working with AGA
How to prepare for a medical emergency abroad
“Allianz truly saved the day for me, providing emergency medical
benefits when I needed them most.”
“Things can go wrong on vacation. So it’s wise to buy travel insurance from a trusted brand, such as Allianz.”
-Pauline Frommer, Frommer’s Travel Guide
“Make sure you look into travel insurance because it’s going to give you that peace of mind that’s going to allow you to enjoy your holiday.”
-Travel + Leisure
AgentMax is a software program designed by Allianz Global Assistance to help you sell travel insurance quickly and easily.
Both AgentMax and 2nd Chance by MaxMail took away gold Magellan awards in the overall Travel Insurance category. Plus, 2nd Chance by MaxMail took a silver award for its training program.
AgentMax & 2nd Chance by MaxMail
Award-Winning TechnologyWorking with Allianz Global Assistance
The industry’s leading assistance and technology services.
Tracks sales and
commissionsOnscreen plan comparisons
Policy modification or
cancellationMakes filing claims easy
Award-winning and still swinging.
Soon you’ll be able to use AgentMax on your phone or tablet — making it even easier to use on the go!
Back to Working with AGA
Agent Training Tools
Best Selling PracticesFind out the simple techniques that lead to increased sales opportunities.
Learn how to take roadblocks and turn them into opportunities.
A closer look at the plan that can protect your clients for an entire year.
You’ve worked hard to protect your clients. Now it’s your turn.
Take a peek at the videos that were created just for you!
Overcoming Objections
Annual Travel Insurance
Maximizing Your Travel Insurance Earnings
Video Library
The best travel insurance tools, right at your fingertips.
Back to Table of Contents
Social Media Marketing
Market to your clients in the places they know best.
Maximizing Your Travel Insurance Earnings
Agent Training Tools
You’ve worked hard to protect your clients. Now it’s your turn.
The Case for Third-Party Travel InsuranceYou provide your clients with expert support every day, and being recognized as an expert in travel insurance is an important part of your brand’s value.
In 2015, 18.28% of domestic flights were delayed and 1.54% were canceled.
89,884flights were canceled
1,063,439flights were delayed
It’s your responsibility to make sure your clients are educated about travel disruptions and we’re here to help.
We know that, in many agencies, a large percentage of your clients use multiple means of transportation for their travel. There is an enormous opportunity to provide a critical service to your customers by offering travel insurance.
http://www.transtats.bts.gov/HomeDrillChart.asp
Vacation Confidence Index2015 - 2016
According to our Vacation Confidence Index, more and more Americans are choosing to travel in 2015 - 2016. What an incredible opportunity for you to provide an additional benefit to your clients while developing ancillary revenue for your agency!
At Allianz Global Assistance, we routinely evaluate the travel insurance landscape, and we are confident that a travel insurance plan from a third-party provider gives your client much more value than insurance you may be able to offer from a travel supplier, such as a cruise line or tour operator.
How Third-Party Travel Insurance Impacts My Clients and MeThe things that matter most deserve the best.
• Access to a global network of vetted providers and medical facilities
• Award-winning customer service and travel assistance in-house
• Benefits that help your clients throughout their trip
• More flexibility and more covered reasons to cancel
• We offer commission protection if clients cancel
• We provide dedicated training and support
• Our products are designed to be an asset to you and your agency’s brand
• We can help you offer the best plan for your client’s individual needs
You get more valueYour clients get more value
As a partner with Allianz Global Assistance, you have the remarkable opportunity to earn more than the commission of the supplier’s waiver!
Making it Easy to Provide the Best for Your ClientsWe have compiled some of the very best practices from our sales team to help you recognize some of the most effective methods for selling insurance.
Best Practices
Simplify the reason
to buyProvide a
quote
If your client declines, use a
waiver
Offer protection
multiple times
Provide a travel insurance brochure
Become an expert on one plan and focus
on selling it
Offer Travel Insurance from Allianz Global
Assistance to every client when they
begin their booking
Include examples, provided you share them in a way that
doesn’t frighten your client out of booking
the trip
The challenges and opportunities involved with selling travel insurance can’t be overstated. The most successful travel agents combine client insight with simple, repeatable techniques that lead to increased sales opportunities.
Overcoming Objections
What Clients Say What You Say
“My credit card will cover it.”
“I don’t need insurance because I’m young and
healthy.”
“I already have health insurance.”
“Credit card coverage is more limited and varies depending on
what card you have.”
“What if you need to cancel your trip because something happens to your traveling companion, child, or
spouse?”
“Did you know that most domestic health insurance plans don’t cover
out-of-the-country emergency medical transportation?”
Back to Agent Training Tools
Chances are some of your clients will have misconceptions about their need for travel insurance. The best way to overcome their objections is to understand the issue and provide the right information that better informs them. You can turn an objection into a sales opportunity by preparing yourself for those situations.
Social Media MarketingAgent Training Tools
Market to your clients in the places they know best.
Always link back to the Allianz
Global Assistance website
End each post with a call to
action
Get your audience involved
Be consistent
Tailor your message to your target demographic
Tap into current trends and
incorporate them into your messages
Post at a time when your desired audience
is going to interact with your content
Share experiences of other clients
Your clients love to share their travel experiences on social media; don’t you want to be part of the conversation? Here are some of the best practices to keep in mind when interacting on social media:
Let’s Be Friends
@AllianzAgentsUS #protecttheiradventure
Sample PostsSometimes interacting on social media can be tough, but it might be easier than you think. Here are some examples of where you can get started!
• Highlight colleagues/agencies you admire by posting an image or by implementing an Agent/Agency of the Month
• Mythbusters - Once a week have a breaking the myth post
• Get permission to post about a favorite client’s experience with travel insurance
• Show your agents in action using “best practices”
• Ask your clients to send in pictures from their trips and ask if you can share them
Do you want to travel confidently and comfortably? An insurance policy from Allianz Global Assistance can ensure just that! To find out more about the security you need, send me a message or give me a call!
Did you know Allianz Global Assistance provides return deposits on frequent flier miles? Send me a message to learn more!
Stop in and chat with me about travel insurance today!
Need a life-line while you venture abroad? Travel insurance from Allianz Global Assistance provides assistance when those unanticipated scenarios become reality. [Link to our page]
Immerse yourself in the experience again. Send me a message or give me a call to find out how. [include an image]
Helpful Hints
Use bit.ly to shorten URLs and stay within the Twitter character limit!
Back to Agent Training Tools
Annual Travel Insurance
Agent Training Tools
The plan that protects your clients for an entire year.
Terms, conditions, and exclusions apply. Please see the Certificate of Insurance/Policy for full details.
Do you or any of your clients travel more than twice a year? An annual travel insurance plan provides affordable year-long protection for frequent travelers. These travelers are the cornerstone of our business and we want to ensure they always have the peace of mind that comes with our products and services.
The affordability of our annual plans make life easier and include conveniences found in our other plans such as trip cancellation, trip interruption, emergency medical costs, and more.
25+ Covered Reasons
Year-Round Coverage
24-Hour Assistance
Loyalty Rewarded
We know how much your clients love to travel and we want to be with them every step of the way.
Don’t let your clients miss out on year-round trip protection!
Back to Agent Training Tools
For Your Clients
1. Life is unpredictable. Some trips need to be cancelled. With travel insurance, you don’t necessarily have to pay for a trip you are unable to take.
2. Airlines mishandled more than 21 million bags in 2013. Allianz Global Assistance can provide coverage to replace
needed items if your bags are delayed, damaged, or stolen.
3. Credit card coverage may not provide sufficient coverage for travel. The free coverage that may or may not be included with your credit card will never be as extensive as a separate travel insurance plan.
4. Sick happens. Nothing can ruin a vacation like getting sick. Travel insurance can provide you with peace of mind – especially when traveling outside the United States, where many hospitals request cash payments in the thousands before treatment can even begin.
5. Health insurance may not go the distance. Many U.S. health insurance policies (including Medicare and Medicaid) don’t cover international travel. And, those that do will likely not cover the cost of medical evacuation back to the U.S., which can cost more than $50,000.
6. Lost or forgotten medication? Travel insurance can provide assistance to help you locate a pharmacy to purchase a new prescription.
7. Even the most stable of travel suppliers can default quickly. If a cruise line, airline, or tour operator ceases operations due to financial hardship or bankruptcy, travel insurance can save you from paying for a trip you’ll never get to take.
8. In the event of an emergency, airlines are not required to refund a ticket. It’s ultimately the airline’s decision whether your situation warrants a full refund of the ticket cost. Most times however, airlines will merely offer a credit voucher (the original purchase price minus a penalty fee) towards future travel.
9. Flight delays can add up. It’s not the airline’s responsibility to cover the expenses you accrue when your flight is delayed or you miss a connection. Travel insurance can reimburse you for costs associated with these, including rebooking fees, meals, and accommodations.
10. We all experience tough economic times. The loss of a job or other income might mean a trip planned in advance may have to wait. Travel insurance can put cash back into your pocket when you need it most.
Allianz Global Assistance, a world leader in travel insurance and assistance services, offers many reasons to protect yourself and your family with travel insurance. We help travelers every year through unanticipated travel delays, bad weather, lost luggage, and medical emergencies in foreign countries.
Here are 10 reasons why experienced travelers choose Travel Insurance from Allianz Global Assistance:*
Sources:2. http://www.wsj.com/articles/baggage-claim-airlines-are-winning-the-war-on-lost-
luggage-14019225953. http://www.usatoday.com/story/travel/columnist/hobica/2014/08/19/credit-card-travel-
insurance-policy/14241701/5. http://travel.state.gov/content/passports/english/go/health.html
*Terms, conditions, and exclusions apply. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.
Allianz Global Assistance
Top 10 Reasons People Buy Travel Insurance
Covered ReasonsWho‘s Considered “Family?”
Travel Insurance by Allianz Global Assistance provides travelers with greater coverage by recognizing more people as
“family members” than any other company in the industry.
This graphic shows all of the individuals Allianz Global Assistance considers “family members,” which means any of them could trigger a covered reason. For instance, if your nanny 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 interrupt your trip and be covered.
The Certificate of Insurance/Policy includes a full list of covered reasons.
For more information on Travel Insurance plans and coverages by Allianz Global Assistance visit www.allianztravelinsurance.com/partner
Allianz Global Assistance
Traveler
Traveling Companions
Children
Grandparents
Grandchildren
Aunts & Uncles
Spouse
Parents
Nieces & NephewsBusiness Partners
Employed Caregivers
Siblings
Natural, Step, Ward, In-Law, Adopted (or in progress)
Natural, Step, In-Law, Legal Guardian
Natural, Step, In-Law, Ward
Husband, Wife, Domestic Partner
Protect Your Investment
Why Travel Insurance from Allianz Global Assistance
For Your Clients
How travel insurance can help protect your adventure.
Trip delays, interruptions, or even cancellations can cause unexpected headaches and expenses, but travel insurance can help make sure you are covered for any adjustments you need to make to overcome these situations. And should something worse happen, like a medical emergency or loss of employment before your trip even begins, you can get reimbursed for trip expenses, giving you peace of mind and dollars back in your wallet.
Of course no one likes to spend more money, but the truth is that anything can happen when traveling, and it’s a good idea to be covered just in case. Below are some of the most common ways that vacations get ruined and how travel insurance can help.
Lost or Stolen Luggage
Lost or delayed luggage can put a damper on any vacation, as most lost bags take five days to return to the owner. Stolen luggage is obviously worse as it’s unlikely that you’ll ever get your luggage back. Should your suitcase get delayed, lost, or stolen at any point during your trip, travel insurance can cover up to hundreds of dollars in reimbursement if you need to purchase new clothes, toiletries, and other essentials for your trip right away.
We Put You First
Did you know Allianz Global Assistance has award-winning customer service? For more information, visit our website today at allianztravelinsurance.com/partner!
Medical Emergencies While Overseas
If you’re venturing abroad, travel insurance can be incredibly helpful in case a medical emergency occurs. Even if you are considerably healthy, foreign elements can negatively impact you, or random accidents can occur. In fact, anywhere between 30 - 50% of travelers stateside and abroad will become ill or injured at some point during a trip. Unfortunately, most American health insurance policies are ineffective or minimal overseas, and medical bills can quickly become astronomical. In the case of a medical evacuation, the cost on average is $60,000 and some places require payment before being treated. A good travel insurance policy can help cover your bills for doctor visits, hospital visits, and other medical bills relating to illness, accidents, or another medical emergency that might occur while traveling in a foreign country.
Car Rental Accidents and Break-Ins
When booking a rental car, it’s important to check with your current auto insurance provider to see what kind of coverage you have while traveling in a rental vehicle. In most cases, insurance companies do not provide sufficient coverage for travelers. Travel insurance can help in case you get into an accident or if your car gets broken into or stolen. Often times, this insurance coverage will be much cheaper than if you purchase the additional insurance directly from the car rental company. Several different travel insurance plans include this as primary coverage, so any claims made won’t appear on your own personal insurance.
If you have further questions about travel insurance or if you need to purchase an insurance package for an upcoming trip, talk to your travel agent.
Back to Table of Contents
Download TravelSmart Today!
Visit the App Store or Google Play and search “TravelSmart”.
You’ve arrived in paradise, but have a splitting headache after spending 12 hours on a plane. If you
forgot to pack medication, would you know the international name for Tylenol is Paracetamolum?
TravelSmart is the mobile app designed by Allianz to provide this type of medical information and
so much more. Available on both Android and iOS devices, TravelSmart delivers critical information
quickly and easily.
TravelSmart Mobile AppAllianz Global Assistance offers the power of a global medical advisor right at your fingertips.
Features
• Emergency numbers such as Police, Fire Department and Ambulance, by destination.
• A Drug Dictionary with international translations in multiple languages.
• First aid terms, translated into multiple languages.
• A comprehensive list of hospitals by country from our hospital provider network, showing informational details and maps.
• Free to download.
Questions/Contact: [email protected]
Download TravelSmart Today!
Visit the App Store or Google Play and search “TravelSmart”.
International Drug DictionaryEmergency Number Access Abroad
Features
First Aid Terms Translator Hospital Listings and Contacts
Emergency numbers such as Police, Fire Department and Ambulance, by destination.
First aid terms, translated into multiple languages.
A Drug Dictionary with international translations in multiple languages.
A comprehensive list of reputable hospitals by country from our hospital provider network. Detailed contact information and maps are also included.
Claims ProcessFor Your Clients
What you need to know.
☐ Read your insurance documents thoroughly and contact Allianz Global Assistance with questions
☐ Confirm your travel dates are covered by the policy
☐ Travel with hard copies of all insurance documents, including the Allianz Global Assistance Customer Service phone number
☐ Report your flight delay or cancellation to Allianz Global Assistance the moment it happens
☐ Keep all receipts connected to travel delays or other travel interruptions
☐ If you get sick pre-trip, see a doctor for an exam
→ If your doctor advises that you should cancel your trip, notify your travel supplier within 72 hours
→ Request physical documentation of the damaged baggage
☐ Report damaged luggage to your travel supplier, hotel, or tour operator within 24 hours
Contact Allianz Global Assistance Directly
By phone1.800.284.8300
Or onlineallianztravelinsurance.com/partner
Back to Table of Contents
Allianz Travel Insurance plans are underwritten by BCS Insurance Company, rated “A-” (Excellent) by A.M. Best Co., or Jefferson Insurance Company, rated “A+” (Superior) by A.M. Best Co., depending on the insured’s state. Allianz Global Assistance and Allianz Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator for these plans.
Visit allianztravelinsurance.com/partner for more information.Travel Agent Use Only - Not for Public Distribution©2016 AGA Service Company 97931_022916
