Traveling is an exciting experience that can broaden your horizons and help you create unforgettable memories. However, traveling can also be unpredictable, and sometimes things don’t go as planned. That’s why having travel insurance is essential. Bank of America offers a travel insurance program that can help you protect your trip and give you peace of mind. In this article, we’ll take a closer look at Bank of America travel insurance and explain how it works.
What is Bank of America Travel Insurance?
Bank of America travel insurance provides coverage for unexpected events that can happen when you’re traveling, such as trip cancellation, trip interruption, medical emergencies, and lost or stolen baggage. The travel insurance is provided through Allianz Global Assistance, a leading provider of travel insurance.
The Bank of America travel insurance program offers three levels of coverage: Travel Basic, Travel Select, and Travel Deluxe. Each level provides different levels of coverage and benefits.
Travel Basic
Travel Basic is the most affordable level of coverage and provides the following benefits:
Benefit |
Coverage Amount |
Trip Cancellation |
Up to $1,500 per person |
Trip Interruption |
Up to $1,500 per person |
Emergency Medical and Dental Expenses |
Up to $10,000 per person |
Emergency Medical Transportation |
Up to $50,000 per person |
Baggage Loss or Damage |
Up to $1,500 per person |
Baggage Delay |
Up to $100 per day |
Travel Delay |
Up to $100 per day |
As you can see, Travel Basic provides essential coverage that can protect you from common travel mishaps. However, it’s important to note that Travel Basic doesn’t include coverage for trip cancellation due to a pre-existing medical condition.
Travel Select
Travel Select is the mid-tier level of coverage and provides more comprehensive benefits than Travel Basic. In addition to the benefits provided by Travel Basic, Travel Select includes the following benefits:
Benefit |
Coverage Amount |
Trip Cancellation |
Up to $5,000 per person |
Trip Interruption |
Up to $7,500 per person |
Emergency Medical and Dental Expenses |
Up to $25,000 per person |
Emergency Medical Transportation |
Up to $500,000 per person |
Baggage Loss or Damage |
Up to $2,500 per person |
Baggage Delay |
Up to $300 per day |
Travel Delay |
Up to $200 per day |
Missed Connection |
Up to $1,500 per person |
Change Fee Coverage |
Up to $250 per person |
Loyalty Program Redeposit Fee Coverage |
Up to $250 per person |
Travel Select provides more coverage for trip cancellation and interruption, medical expenses, and baggage loss or damage. It also includes coverage for missed connections, change fees, and loyalty program redeposit fees.
Travel Deluxe
Travel Deluxe is the highest level of coverage and provides the most comprehensive benefits. In addition to the benefits provided by Travel Select, Travel Deluxe includes the following benefits:
Benefit |
Coverage Amount |
Trip Cancellation |
Up to $10,000 per person |
Trip Interruption |
Up to $20,000 per person |
Emergency Medical and Dental Expenses |
Up to $50,000 per person |
Emergency Medical Transportation |
Up to $1,000,000 per person |
Baggage Loss or Damage |
Up to $3,000 per person |
Baggage Delay |
Up to $500 per day |
Travel Delay |
Up to $300 per day |
Missed Connection |
Up to $2,000 per person |
Change Fee Coverage |
Up to $500 per person |
Loyalty Program Redeposit Fee Coverage |
Up to $500 per person |
Cancel for Any Reason |
Up to 75% of non-refundable trip cost |
Travel Deluxe includes coverage for cancel for any reason, which means that you can cancel your trip for any reason and receive a partial refund. However, it’s important to note that cancel for any reason coverage must be purchased within 14 days of your initial trip deposit.
How to Purchase Bank of America Travel Insurance
If you’re interested in purchasing Bank of America travel insurance, you can do so when you book your trip through Bank of America’s travel center. The cost of the travel insurance will depend on the level of coverage you choose, the length of your trip, and other factors.
You can also purchase Bank of America travel insurance separately if you’ve already booked your trip. To do so, you’ll need to call Allianz Global Assistance directly and provide your travel details.
Frequently Asked Questions
What is covered under Bank of America travel insurance?
Bank of America travel insurance provides coverage for trip cancellation, trip interruption, medical emergencies, and lost or stolen baggage. The level of coverage will depend on which level of travel insurance you purchase.
How much does Bank of America travel insurance cost?
The cost of Bank of America travel insurance will depend on the level of coverage you choose, the length of your trip, and other factors.
Can I purchase Bank of America travel insurance if I’ve already booked my trip?
Yes, you can purchase Bank of America travel insurance separately if you’ve already booked your trip. To do so, you’ll need to call Allianz Global Assistance directly and provide your travel details.
Does Bank of America travel insurance cover pre-existing medical conditions?
Travel Basic and Travel Select don’t include coverage for trip cancellation due to a pre-existing medical condition. However, Travel Deluxe includes coverage for pre-existing medical conditions as long as you purchase the coverage within 14 days of your initial trip deposit.
What is cancel for any reason coverage?
Cancel for any reason coverage is a type of travel insurance that allows you to cancel your trip for any reason and receive a partial refund. This coverage is only available with Travel Deluxe and must be purchased within 14 days of your initial trip deposit.
How do I file a claim with Bank of America travel insurance?
If you need to file a claim with Bank of America travel insurance, you’ll need to contact Allianz Global Assistance directly. You can do so by calling the toll-free number provided in your policy documentation.
Conclusion
Bank of America travel insurance is an excellent option for anyone who wants to protect their trip and have peace of mind while traveling. By providing coverage for trip cancellation, trip interruption, medical emergencies, and lost or stolen baggage, Bank of America travel insurance can help you avoid unexpected expenses and stress.
If you’re planning to travel soon, consider purchasing Bank of America travel insurance to protect your trip and ensure a worry-free experience.
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