Allstate Travel Insurance: A 2025 Spending Analysis
Trip Cancellation and Interruption Insurance
Allstate's trip cancellation insurance starts at $14. If you cancel under covered circumstances, this can compensate for non-refundable travel expenses. One of the upgrades is vacation Interruption coverage, which covers similar costs should your vacation be interrupted by illness, extreme weather, or travel company problems. Additionally, overnight hotel stays could be covered by the Trip Interruption benefit.
Pandemic Plus Plan
Along with other disruptions, including weather-induced road closures, this plan provides coverage for COVID-19-related trip cancellations and interruptions. It also covers sickness and basic emergency accidents. The documents provided did not show pricing specifics for this particular plan.
Cruise Travel Insurance
Starting at $57, cruise travel insurance pays $250 for itinerary modifications. Baggage and travel delay coverage can be raised to $2,500 for a further fee. This covers quarantine-related COVID-19 delays.
Multi-Trip Annual Plan
The Multi-Trip Annual Plan costs $81 for regular travelers. In addition to other essential benefits, it offers $1,000 to $5,000 in trip cancellation coverage. It can be expanded to encompass missing connection coverage, baggage and travel delay coverage, rental car damage protection, and coverage for travel delays, including those brought on by COVID-19 quarantine.
International Travel Insurance
Through its TripMate® product—provided by TuGo—allstate offers international travel insurance. If you satisfy Canadian Federal Government vaccination requirements before travel, TripMate Emergency Medical Insurance covers up to $10 million and includes COVID-19 treatment. Further benefits include 24/7 emergency help, coverage for emergency dental care, ambulance services and medical evacuations, improved vision and hearing aid coverage, and cover for lost or stolen medications. Along with family pricing, companion savings, and travel delay coverage, this plan provides Customisable deductible amounts, travel distance, extra coverage options like sports and activity coverage, and unstable pre-existing condition coverage.
Mexico Tourist Auto Insurance
Allstate provides specialized motor insurance for those heading to Mexico, although not quite trip insurance. This tackles the issue of U.S. auto policies usually not covering the border. This insurance helps pay for auto repairs and medical expenditures following an accident. Coverages include physical damage and theft; liability for bodily harm or property damage you inflict on others (up to $1,000,000); medical payments for you and your passengers; loan or lease payoff for totaled new cars; roadside help; medical evacuation.
Factors Affecting Travel Insurance Costs
Travel insurance's cost is determined in several ways:
Trip Length: Longer trips generally cost more to insure.
Traveling to specific areas could raise expenses.
Age: Several policies charge more depending on age.
Pre-existing Conditions: Coverage for pre-existing conditions may increase premiums or require specific waivers.
Coverage Limits and Deductibles: Higher coverage and lower deductibles increase the premium.
Additional Add-ons: Optional coverages like rental car protection or adventure sports coverage increase the total cost.
Allstate Roadside Assistance Plans
Additionally available from Allstate are stand-alone roadside assistance programs that could augment travel insurance. Starting at $73 for the first year, Roadside Assist provides up to five rescues yearly, including towing (up to 10 miles), jump starts, gasoline delivery (fuel cost not included), lockout service, and tire changes. Starting at $89 for the first year, Roadside Advantage provides the same services plus travel interruption coverage up to $1,500 and tire and wheel repair/replacement coverage (up to $100 twice annually).
Homeowners Insurance Data Point
Although not directly relevant to travel insurance, data from an Oklahoma Homeowners Insurance (November 2024) rate comparison chart indicates Allstate Insurance Co. provided yearly premiums ranging from $756 to $10,199 based on dwelling coverage amounts and region. This shows that Allstate's prices vary according to the product lines and areas.
Car Insurance Rate Comparisons
Comparatively to Travellers' $1,069, Allstate's average annual full coverage premium of $1,743 for drivers with exceptional credit shows in car insurance rate comparisons between Allstate and Travellers (data not precisely dated, but presumably relevant to 2024/2025 based on context). This implies that there are different pricing variations across auto insurance providers. Additional comparisons are made for rates depending on credit level, type of reference, and age.
| Plan Type | Coverage Details | Cost | Requirements/Limitations |
|---|---|---|---|
| Trip Cancellation | Reimburses for prepaid, non-refundable trip expenses if canceled for covered reasons. | Starts at $14 | Purchase within 14 days of initial trip payment for pre-existing condition waiver. |
| Pandemic Plus Plan | Wide range of coverage for COVID-related trip interruptions or cancellations, road closures due to weather or natural disasters. Includes primary emergency accident coverage, trip cancellation and interruption, sickness coverage. | Varies. Contact local agent for details. | Not specified in the provided text. |
| Cruise Travel Insurance | Flexible, pre-existing plan with itinerary change coverage ($250). Baggage and travel delay coverage limits can be increased to $2,500 each (additional cost). Includes COVID-related delays. | Starts at $57 | Not specified in the provided text. |
| Multi-Trip Annual Plan | Annual plan offering $1,000-$5,000 trip cancellation coverage and standard benefits. Upgrades available for missed connections, baggage/travel delays, rental vehicle damage, and COVID-related delays. | Starts at $81 | Not specified in the provided text. |
| TripMate® Travel Insurance | Emergency medical (including COVID-19), 24/7 assistance, customizable deductibles and trip lengths, sports & activities coverage, pre-existing condition coverage, MyFlyt service (flight delay compensation), single and multi-trip options, baggage insurance, rental car protection. | Varies depending on chosen coverage and trip. Quote required. | Compliance with Canadian Federal Government COVID-19 vaccine requirements for entry/return to Canada (for COVID-19 coverage). Medical Questionnaire required for travelers 60+. |
| TripMate® All Inclusive Holiday Package | Bundle for Canadian residents 59 years old or younger. Medical emergencies, missed flights. | Varies. Contact local agent for details. | For Canadian residents 59 and under. |
