Trip insurance: a subject that many travelers don’t know much about, but one that can end up saving you thousands of dollars if your plans end up changing, even at the last minute (as they so often do). Plans at Allianz range from simple plans covering domestic travel to more complex plans for traveling abroad with an added layer of coverage. Having a good trip insurance plan can ensure your peace of mind and can give you that much-needed security to lessen one of the many stresses of traveling. However, when purchasing an insurance product, it’s easy to skip the fine print—read on to make sure you’re getting the right deal for your group.

What You Need To Know About Allianz Single Trip Insurance

1. Essential Plan (maximum trip cost of $10,000)

What it covers: As the most affordable of Allianz’s options, the Essential Plan covers trip cancellations, trip interruptions and trip delays (covers additional accommodation/travel expenses and lost prepaid expenses due to a covered departure delay of six or more hours—limit of $150/day). 24-hour hotline assistance and existing medical condition coverage is also included. Reasons for coverage include typical things like civil unrest, a death, and natural disasters, along with things like termination from your employer (must have worked at the company for 3 years) and jury duty.

What it does not cover: You aren’t eligible for coverage if your trip is cancelled or delayed due to intentional self-harm, participation in high-risk activities, unlawful acts, along with any kind of expected problem that isn’t specifically covered.

Best situation to buy: This plan is ideal for travelers staying in the United States looking for cancellation and trip interruption coverage without the need for benefits after departure.

2. Basic Plan (maximum trip cost of $10,000)

What it covers: In addition to the same benefits as the Essential Plan, the Basic Plan covers emergency medical care for both international and domestic travelers. The additions of emergency medical ($10,000), emergency medical transportation ($50,000), baggage loss/damage ($500), and baggage delay ($500) coverage is the main difference between this plan and the Essential Plan.

What it does not cover: Same as the Essential Plan

Best situation to buy: This plan is best for domestic and international travelers looking for post-departure affordable medical coverage and baggage benefits that aren’t included in the Basic Plan.

3. Classic Plan (maximum trip cost of $100,000)

What it covers: According to Allianz, the Classic Plan is the most popular—this plan covers the same situations as the Essential and Basic Plans, but with the added benefit of free coverage for kids under 17 (if traveling with a parent or grandparent). Emergency medical transportation ($500,000), emergency medical ($25,000), baggage loss/damage ($1,000), missed connections ($800), travel delay (daily limit of $200), baggage delay ($300), change fee coverage ($250), and a frequent traveler loyalty plan ($250) are all included.

What it does not cover: Same as the Essential and Basic Plans

Best situation to buy: This plan is best for families taking a more expensive vacation with children under 17. The benefits are similar to the Basic Plans, just with higher coverage amounts and coverage for children.

4. Classic Plan with Trip+ (maximum trip cost of $100,000)

What it covers: This plan covers everything the Classic Plan covers—with double the coverage amounts in most cases. For example—while the Classic Plan’s emergency medical transportation limit is $500,000, it is $1,000,000 with Trip+.

What it does not cover: Same as the Essential, Basic, and Classic Plans

Best situation to buy: This plan is best for families traveling internationally that need full coverage both pre- and post-departure.

This article was written by Kaitlyn Lannan.