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Allianz Travel Insurance Review: Is it Worth The Cost?
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Table of Contents
What does Allianz Travel Insurance cover?
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- Annual or single-trip policies are available.
- Multiple types of insurance available.
- All plans include access to a 24/7 assistance hotline.
- More expensive than average.
- CFAR upgrades are not available.
- Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.
Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.
Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.
Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.
Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.
Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage.
Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.
Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.
Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.
The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.
OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.
OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.
OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.
OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.
If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.
» Learn more: Travel medical insurance: Emergency coverage while you travel internationally
Allianz single-trip plan cost
Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.
The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.
However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.
» Learn more: How to find the best travel insurance
Allianz offers four different annual/multi-trip plans.
AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.
The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.
Allianz annual/multi-trip plans cost
Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.
Coverage under these plans is offered for trips up to 45 days in length.
The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.
If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.
For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.
Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.
If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.
If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.
If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.
If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.
» Learn more: Your guide to Chase Sapphire Reserve travel insurance
Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.
You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.
You will be required to input the relevant trip details before you can see which plans are available to you in your state.
» Learn more: Is travel insurance worth it?
Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:
High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.
Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.
Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.
It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.
Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.
Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.
No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.
Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.
Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet.
If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
on Chase's website
1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.
50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel
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Explore Travel Requirements by Country
Planning an international trip? Get information on travel requirements and entry restrictions. This interactive map shows current requirements for each destination, including COVID-19 testing, necessary travel documents and quarantine periods.
This map is updated daily, but please keep in mind that travel restrictions change often. Check the latest requirements before you leave for your trip.
When you're ready to go, don't forget to protect your trip with Allianz Travel Insurance. Get a quote now .
Why buy Allianz Travel Insurance?
With straightforward benefits and simple online claim processing, Allianz Global Assistance is the preferred choice for more than 70 million travelers annually. When unexpected problems arise, we can help make things right. A travel protection plan from Allianz Global Assistance can safeguard your trip investment, reimburse covered emergency medical costs, and give you 24-7 access to Assistance services, among other benefits.
- If you have to cancel your trip for a covered reason, our travel insurance can reimburse you for your prepaid, non-refundable trip costs. Without insurance, you could lose your vacation investment.
- If you experience a covered medical emergency , our travel insurance can help ensure you get high-quality care and reimburse you for covered medical costs. Without insurance, you may have to pay out of pocket when traveling overseas.
- If you have a covered travel delay, our travel insurance can reimburse you for necessary, eligible expenses like hotels and meals. Without insurance, delays can be expensive.
- If you face an unexpected crisis, our travel insurance gives you access to 24-Hour Hotline Assistance for expert help and advice. Without insurance, you’re on your own.
Review Period: If you're not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund - provided you haven't started your trip or initiated a claim. Plans are non-refundable after this period.
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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.
Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .
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