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- Good option for frequent travelers thanks to its annual multi-trip policies
- Doesn’t increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
- Some plans include free coverage for children 17 and under
- Concierge included with some plans
- Coverage for medical emergency is lower than some competitors’ policies
- Plans don’t include coverage contact sports and high-altitude activities
- Single and multi-trip plans available
- Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
- Preexisting medical condition coverage available with some plans
While traveling can be a fun escape, it’s an inherently risky activity with many variables to consider. You’re away from home and what if something happens to you or your luggage or you need to cancel at the last minute because of weather or a personal emergency?
That’s where travel insurance can help. One option is through Allianz Global Assistance, a prominent leader in the travel insurance space that has been around in some form since 1890. Its Munich-based parent company, Allianz SE, has 155,000 employees across the globe. Allianz travel insurance serves over 55 million travelers in more than 70 countries each year, and it has a wide variety of plans and coverage options to choose from.
Travel insurance plans from Allianz
Allianz travel insurance offers different policies, grouped under two types: single trips and annual/multi-trips.
The company’s travel insurance policies can include the following coverage types:
- Trip interruption coverage, which can help recoup costs if you leave a trip early.
- Travel delay, which can cover some costs if you need additional accommodations due to a delay in travel.
- Emergency medical transportation, which covers transportation to a hospital for eligible illnesses and injuries.
- Emergency medical expenses in case of a dental or medical emergency.
- Baggage delay, which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
- Baggage loss or damage, which can help recoup some costs if your bag is lost, stolen, or damaged.
- Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to COVID-19. It’s important to note that there may be limitations and this isn’t an option everywhere.
- Travel accident coverage, which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
- Support via a 24-hour hotline
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Single-trip plans
The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.
One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.
A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.
The coverage limits available vary by plan. Here’s an overview of what each policy covers:
Other OneTrip Premier benefits not mentioned in the table above include:
- Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
- Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
- Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
- Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can’t drive it for a qualified reason
- Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more
There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.
OneTrip Emergency Medical
OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you’re on your trip. As such, the plan doesn’t include pre-departure benefits such as trip cancellation or interruption.
- Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
- Travel accident coverage, up to $10,000
- Emergency medical transportation, up to $250,000
- Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
- Baggage delay, up to $750 with a delay of 12 hours or more
- Baggage loss or damage, up to $2000
- Epidemic coverage endorsement
- Support via a 24-hour hotline
- Concierge services included
OneTrip Cancellation Plus
The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:
- Travel interruption coverage, up to $5,000
- Trip cancellation coverage, up to $5,000
- Travel delay, up to $150 with delays of six hours and beyond
- Epidemic coverage endorsement
- Support via a 24-hour hotline
Multi-trip plans
The aforementioned policies are for single trips, but with Allianz travel insurance it’s possible to get an annual/multi-trip policy.
The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.
The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.
Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.
AllTrips Executive
Additionally, there’s the AllTrips Executive policy, which may be a good fit if you’re a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:
- Trip interruption coverage, up to $5,000, $7,500, or $10,000
- Trip cancellation coverage, up to $5,000, $7,500 or $10,000
- Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
- Travel accident coverage, up to $50,000
- Emergency medical transportation, up to $250,000
- Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
- Baggage delay, up to $1,000 with a delay of 12 hours or more
- Baggage loss or damage, up to $1,000
- Rental car damage and theft coverage, up to $45,000
- Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
- Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
- Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
- Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
- Epidemic coverage endorsement
- Support via a 24-hour hotline
- Concierge services included
Additional coverage options from Allianz
Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.
For example, if you’re renting a car you might consider the OneTrip Rental Car Protector policy.
OneTrip Rental Car Protector
If you’re looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:
- Trip interruption coverage, up to $1,000
- Baggage loss or damage, up to $1,000
- Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen
- Support via a 24-hour hotline
On top of the rental car coverage plan, with the OneTrip Prime plan, there’s an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.
What’s not included with Allianz travel insurance?
Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:
- Acts of violence, such as war, terrorism, and civil unrest
- Risky adventure sports
- Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
- Flying
- Pollution
- Any travel alerts or government regulations and more
If you’re interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.
How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you’ll need to provide the following:
- Your destination
- Travel dates
- Your age
- The state you live in
- The total cost of the trip
A 23-year-old from Chicago looking to spend the week of Valentine’s Day in Italy with a budget trip costing $3,000 would have the following Allianz travel insurance quotes:
- $99 for OneTrip Basic
- $130 for OneTrip Prime
- $188 for OneTrip Premier
A 30-year-old traveler from California is heading to Japan for the first two weeks of October. The trip costs $4,000. The Allianz travel insurance quotes are:
- $153 for OneTrip Basic
- $195 for OneTrip Prime
- $270 for OneTrip Premier
A couple of 65-years of age looking to escape New York for Mexico for two weeks in January with a trip cost of $6,000 would have the following Allianz travel insurance quotes:
- $298 for OneTrip Basic (total for two travelers)
- $400 for OneTrip Prime (total for two travelers)
- $540 for OneTrip Premier (total for two travelers)
Allianz travel insurance premiums generally stack up favorably against the industry average, which is $248 per trip, but again, the specifics of your trip will largely determine how much you’ll pay to insure it.
If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company’s website or via its TravelSmart app.
To file a claim with Allianz, you’ll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed.
You’ll need to select the plan and include your email or policy number as well as your departure date.
If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556.
The Allianz mailing address is:
Allianz Global Assistance
P.O. Box 71533
Richmond, VA 23255-1533
To reach out to Allianz online, you can submit your request via its contact form.
Compare Allianz vs AXA Travel Insurance
One of the downsides of Allianz travel insurance is that the company doesn’t offer what’s referred to as Cancel for Any Reason (CFAR) online. You need to talk to a travel agent to discuss what’s available.
Competitor AXA travel insurance covers 75{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit.
Plus, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It’s $97 for its Silver plan, which covers 100{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.
Compare Allianz vs HTH Travel Insurance
Allianz is a good travel insurance option if you’re looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance, has three trip protection options.
TripProtector Economy is HTH’s budget option and may be a good fit if you’re looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.
Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.
Compare Allianz vs credit card travel insurance
A travel insurance policy can offer robust protections, but if you’re looking for something basic for trip interruption/cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.
Credit card travel insurance coverage may be a good fit for short trips where you don’t have a ton of upfront prepaid costs. However, if you’re going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.
Methodology
As part of this Allianz travel insurance review, we looked at the top travel insurance providers in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, COVID protocols, and affordability.
Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.
FAQs
Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.
Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it’s available in most plans it’s not available in all jurisdictions, so be sure to read the fine print. This is currently a temporary offering.
The best Allianz plan for travelers looking to protect a single trip is OneTrip Premier which comes with the most robust protections. Your kids ages 17 and under are included in the coverage. OneTrip Premier includes hurricane warnings as a valid reason, plus includes $100,000 in trip cancellation coverage and $150,000 in travel interruption coverage. The policy also includes up to $2,000 for lost baggage and one million for emergency medical transportation. Additionally, this policy includes unique benefits for athletes and adventurers thanks to sports equipment coverage.
If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.
Does Allianz cover missed flights?
Allianz doesn’t cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.
