Don't bother getting travel insurance from Allianz it is virtually worthless-almost no medical conditions are covered-look at the exclusions on page 14-mental illness/suicide not covered for you or family member,prexisting conditions are not covered. Not even sure how they can legally do this. I am going to complain to the state insurance commissioner in Virginia! Major reasons people cancel trips is medical emergencies but since everything is excluded, save your money and gamble.