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Allianz Travel Insurance Review: Is it Worth The Cost?

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What does Allianz Travel Insurance cover?

Allianz single trip plans, allianz annual/multi-trip plans, which allianz travel insurance plan is best for me, can you buy allianz travel insurance online, what isn't covered by allianz travel insurance, is allianz travel insurance worth it.

• 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.

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Allianz Travel Insurance review: Is it a good option for your next trip?

With plenty of options to choose from, allianz likely has the right coverage for your trip..

Travel insurance can offer peace of mind — and financial protection — when you travel. Whether you want minimal coverage for emergencies or are looking for a more comprehensive plan, Allianz Travel Insurance probably has an option that will work for your situation.

CNBC Select breaks down the types of coverage Allianz includes in its policies, the features it offers and other providers you should consider.

Allianz Travel Insurance review

Other insurance offered, how it compares, bottom line, allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz Travel Insurance is a global insurance provider. It partners with airlines, travel agencies, resorts, credit card issuers and other companies to offer worldwide travel coverage. The insurer currently offers 10 trip coverage plans, giving travelers plenty of options that range from single-trip plans to plans that cover all your travel for a year.

For example, OneTrip Prime provides trip cancellation/interruption, emergency transportation, baggage loss or delay and other key benefits for a single trip up to 180 days. AllTrips Executive, on the other hand, is a multi-trip plan designed for business travel with higher trip cancellation and interruption limits and coverage for business equipment. You can also opt for OneTrip Rental Car Protector if you need primary car rental coverage against collision, loss and damage.

These plans let you easily tailor your insurance to your situation. Here are the types of coverage that Allianz Travel can include in your plan:

• Trip cancellation
• Trip interruption
• Emergency medical (this covers medical and dental emergencies that happen during your trip)
• Emergency medical transportation
• Baggage loss/damage
• Baggage delay
• Travel delay
• Travel accident
• SmartBenefits℠ (this includes automatic and no-receipts payments for trip delays and no-receipts claims for baggage delays)
• Change fees (this coverage can reimburse you for the fees the airline charges when you have to change the dates of your flight)
• Loyalty program redeposit fee coverage (with this coverage, you can get reimbursement for frequent flyer mile redeposit fees if your trip is canceled or interrupted)
• 24/7 hotline assistance
• Concierge services
• Rental car collision damage waiver
• Existing medical condition (this benefit waives the pre-existing medical condition coverage exclusion)

The types and limits of coverage benefits you can get vary by plan.

Many travel cards provide travel insurance benefits . To avoid duplicate coverage, go through your card's terms and conditions and see what your issuer already offers.

One of the features that helped Allianz Travel land a spot on our list of the best travel insurance is the Cancel Anytime benefit. Included with OneTrip Prime and OneTrip Premier plans, Cancel Anytime can reimburse 80% of your unused, pre-paid, non-refundable trip costs if you have to cancel your trip for just about any unexpected reason.

Additionally, the insurer offers 24/7 global assistance to refer you to a prescreened hospital during your trip.

Policyholders can also use the TravelSmart TM  app and check for flight status updates, the latest travel advisories and restrictions for their destination, local emergency services and hospitals and more. The app allows travelers to pull up their protection plan whenever they need and file a claim online.

As of writing, Allianz Travel doesn't advertise any discounts. That said, discounts aren't as common with this type of coverage, especially compared to home and auto insurance .

Allianz is a large global company offering a wide range of financial products and services. In the U.S., that includes travel insurance, life insurance and business insurance.

Allianz Travel can be a solid choice if you're looking to purchase travel insurance. However, it's always a wise idea to compare multiple options to ensure you're getting a good deal.

For instance, AXA Assistance USA travel insurance is also a good provider. You can pick from three plans with the most affordable one starting at just $16, according to the company's website. The most comprehensive option is the Platinum plan which comes with the option to cancel for any reason.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel Guard® Travel Insurance also offers a selection of plans, ranging from last-minute options to an annual travel plan. Or you can request a specialty plan, but you'll need to speak to a representative to do so.

Travel Guard® Travel Insurance

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

With 10 available plans to choose from, Allianz Travel makes it easy to get the right travel insurance coverage for your upcoming trip. Multi-trip plans are also available for those who frequently travel, including for business. Still, we recommend gathering several quotes and comparing plans before you purchase travel insurance. Just like with any financial product, it pays to shop around for this type of coverage.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Home » Budget Travel » HONEST Allianz Travel Insurance Review – [Updated 2024]

HONEST Allianz Travel Insurance Review – [Updated 2024]

Planning and preparing for a trip can be fun and exciting. Personally I love flicking through Lonely Planets seeking out those “Must See” places and I even enjoy scouring through forums for insider advice. I relish the challenge of arranging sophisticated logistics and revel in finding bargain flights from London to the ends of the earth.

Indeed, the feeling I get during the days before I start a trip is both exciting and invigorating. In fact, sometimes I wonder whether I’m equally as addicted to this “state of leaving”  as I am to travel itself – they do say that often anticipation is even better than the event itself.

What is far less exciting though, is comparing Travel Insurance policies. There are far too many policies and providers out there with far too many fine print details to scrutinise. Yep finding the best travel insurance is confusing, and finding cheap backpacker insurance can seem impossible. But, to make finding and buying Travel Insurance that bit easier for you, we have tried, tested and reviewed all of the major providers out there.

Allianz Travel Insurance Review

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Today we are going to review Allianz Travel Insurance. I have spent hours going through their policies and breaking them down for you. By the end of this post, you should know whether Allianz is the right travel insurance for you.

It’s important that you take time to look at other good travel insurance providers too. Different providers suit different kinds of travellers. So you may be better suited elsewhere.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

Before we begin the Allianz Travel Insurance review, do note that the terms and conditions of insurance policies are subject to changes and are always ultimately based on your individual circumstances. Therefore, it is very important that you read any policy terms and conditions yourself.

Hey you there! Before you delve any further or waste any more valuable time on this Allianz Travel Insurance Review, let me just tell you straight up front that we at The Broke Backpacker no longer use Allianz for our travel insurance needs.

We have nothing against them, we just found other providers more suited to the needs of travellers and backpackers whilst offering VERY competitive quotes.

If you are taking a single trip or going backpacking, we recommend World Nomads Insurance .

Alternatively, if you are a digital nomad working and travelling remotely from all over the world, then SafetyWing Insurance offer some very interesting travel insurance plans.

Ahem – Please note that insurance companies change their policies and product terms fairly regularly. We do our best to keep this review up to date but cannot guarantee that all of the information is 100% correct. Therefore, only use this review as a guide and check all policies yourself. Also note that some of the links in this post are affiliate links.

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Do you need travel insurance? Does anybody really need travel insurance ?

After shelling out for flights, visas, and a new backpack, having to find a few more bucks for travel insurance may feel a bit depressing. I mean, all you get is a “policy certificate” AKA a boring 100-page booklet to read. Aren’t there more sexy and fun things to be spending that money on?

After all, most trips, vacations, and odysseys end happily and safely without any ill occurrence. There is no definitive answer to this.

Our team at the Broke Backpacker , we have (collectively) spent more than a century backpacking the globe and we have visited over 100 countries. Most of those trips ended without incident. However, we have also clocked up a fair few mishaps along the way: inflected legs, tropical diseases, broken backs, and even gunpoint robberies.

These incidents were all bad enough in themselves, leaving physical and mental scars. Thankfully though, we were all insured at the time. This meant that we were spared the further trauma of paying out thousands in medical bills or replacing technologies.

Basically, insurance is one of those things that most people never actually need. But the ones who do are very lucky to have it.

So now, you get the picture: travel insurance is essential when it comes to staying safe on the road . But is Allianz travel insurance right for you? Or do other travel insurance options suit you?

So let’s take a look. Here are some things good travel insurance plans help with, and where you would be without them.

Lost Luggage

Luggage gets lost both on planes and in airports. It shouldn’t happen, but it sure as hell does.

That in itself is bad enough but replacing all your essential travel gear will cost. Any decent travel insurance policy usually covers lost luggage, usually up to at least $1000.

In fact, the aviation watchdog states that 5.73 items of luggage are lost for every 1000 passengers. That means that if you take 10 flights, then there is a 5% chance of your luggage getting lost forever. Some airports and airlines lose more baggage than others but all of them are equally as obtuse and obstructive when it comes to trying to make a claim.

Lost luggage can ruin your whole trip. I mean, imagine you head to Iceland and they lose all your cold weather gear?!

Medical Bills

Foreign medical care costs can be very high. A friend of mine was once hospitalised while backpacking in Costa Rica and ran up bills in excess of $10,000.

More recently he spent 1 night in a Thai hospital, was billed $1,000 and his passport was used as a ransom (that boy has no luck. Maybe he should stay at home?) . Personally, I don’t have $10,000 to pay to Costa Rican Doctors, but I do have maybe $50 to buy myself a travel insurance policy.

If you come from Europe, the cost of medical care in some parts of the world is quite a revelation. If you’re in the US, then you already know all about health extortion. But do remember, your domestic health insurance will most probably not cover you outside of the US.

Accidents happen (and without warning…) and ill health can strike any of us down at any time, anywhere. In fact, if you have experienced the driving or the hygiene standards in India, you’ll already know that you are at high risk of coming to some harm out on the road.

Trip Interruption Coverage

Trip interruption comes in all shapes and sizes. Claiming for flight delays or cancellations is annoying – and in the end, nothing’s guaranteed.

Every year a few airlines or travel agents go out of business leaving passengers stranded. Booking flights home at short notice is costly.

Not getting home on time on the other hand, can mean getting sacked from your job – ouch. If you have to stay a few more nights at your destination waiting for a flight home, then that can also stretch a maxed-out travel budget.

Having trip cancellation and interruption coverage can mean the difference between desperately raiding your overdraft or getting a few extra days of vacation, free of charge.

Theft Coverage

Sadly, tourists are a target for thieves in many parts of the world. Our team have been robbed with guns while backpacking South America . And I know people whose diamond jewellery and MacBooks were burgled from hotels.

Being robbed is scary. But theft coverage makes it suck a little less when you don’t have to fork out for your stolen iPhone.

Repatriation

In the unlikely event of your demise, your travel insurance can cover the cost of repatriation or sending your body home. The costs of this can otherwise run into several thousands of dollars.

Nobody ever thinks it will happen to them. And yet, it does happen.

Furthermore, the law of averages dictates that if you travel enough, something, somewhere will eventually go wrong. Just like you should always look twice before crossing the road, and always wear your helmet before riding a bike, you really should get comprehensive travel insurance.

By the way, some countries require you to obtain insurance before even letting you enter. Imagine being turned back at the airport for the sake of a few quid?! I personally never leave home without first obtaining travel insurance plans from either World Nomads or SafetyWing.

If you’re reading this, then I guess you decided that you do need travel insurance. Yay! Welcome to the world of sensible adults (AKA accepting your own mortality and the fact that you have no control whatsoever over the universe, despite whatever bullshit “The Secret” may have told you).

Allianz travel insurance is perhaps one of the biggest insurance companies in the world. They have been trading for over 120 years and they have offices across the globe.

Though travel Insurance is by no means Allianz’s primary focus or modus operandi. But this is not a bad thing. Note that even “specialist travel insurers” are often, in fact, brands or shop fronts backed by big insurance companies like Allianz.

They are governed by the Financial Services regulators in pretty much every national market they trade in. This means that if you have a problem with them, you can squeal on them and have your case reviewed independently and fairly by an adjudicator free of charge.

Now that the introductions are out of the way, let’s take a look at the individual travel insurance policies they offer.

Allianz are a major financial service provider and as such, they offer different coverage options, policies and plans aimed at different travellers. Let’s quickly run through them.

Firstly, Allianz travel insurance offer travellers 2 main types of policy. Within these coverage types are little variations. The main policy types are OneTrip and AllTrips .

Within both the OneTrip and AllTrips umbrellas are 3 variations : Basic, Prime, Premier . These vary depending on how much cover you want and how much you want to pay.

As the name kind of suggests, OneTrip covers one single, specific trip generally with a fixed start and end date.

AllTrips covers any and all trips that you make in a one-year period. This annual plan runs from the date you take out the policy, or a date of your choosing, and lasts for 365 days (or 366 in a leap year) .

You can take an unlimited number of trips in the year and an unlimited number of days travelling. Do be sure that all your chosen destinations are covered by the annual travel insurance policy though, otherwise, you may need to obtain additional cover.

OneTrip Basic Plan

This travel insurance policy covers all travel insurance basics such as medical coverage, trip cancellation and lost luggage. Look at it as the entry-level “classic cover” if you like.

The plan may be able to offer;

• Emergency Medical and Emergency Dental Coverage up to $10,000 and $50,000 for Medical Evacuation. These amounts may seem high but are not enough if you need to be airlifted home from an accident, for example.
• Lost or Stolen Baggage Coverage up to $500 and $200 for Delayed Baggage. Now, $500 may be enough for your baggage depending on how expensive your clothes are, and whether you pack any specialist equipment. However, a solid travel backpack is usually worth around $200.
• Trip Cancellation Cover up to $100,00. One of the best features of the OneTrip Basic plan is that Allianz may be able to reimburse the full cost of your trip if you need to cancel early. However, the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons – not because you got bored or changed your mind.

This policy is a good all-rounder and ideal for travellers on a budget . However, it does have some limitations.

Some of the Allianz travel insurance OneTrip basic coverage is a bit on the tight side. Furthermore, OneTrip Basic plan does not include coverage for missed connections or airline change fees. There are also relatively fewer accepted reasons for claiming on the trip cancellation clause.

OneTrip Prime Plan

Broadly speaking, Allianz OneTrip prime plan is more or less the same as the basic – with increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage and Dental Coverage up to $25,000 worth of and $500,000 worth of emergency evacuation coverage.
• Lost and Stolen Baggage Cover up to $1,000 which should cover most people’s hold luggage. However, the per-item max is $500. So if you pack your $8000 top-quality travel camera , you will only get $500 back for it. It also includes Baggage Delay Costs of up to $300.
• Missed Connection Coverage up to $800.
• Airline Change Fees up to $250.

OneTrip Premier Plan

In case you need a bit more on top of that, then we have the OneTrip Premier Plan. The Allianz OneTrip Premier policy is essentially the Prime with even higher coverage amounts. OneTrip Premier may be able to offer cover to;

• Emergency Medical and Dental Coverage of up to $25,000 to $50,000.
• Emergency Evacuation Coverage also increases to $1,000,000. With international evacuation averaging around $100,000, this amount is more than adequate to cover your transportation back home.
• Lost or Stolen Baggage up $2,000. However, like with the OneTrip Prime plan, you can only claim a maximum of $500 per item (up to $2,000 in total). $600 in Baggage Delay.
• Travel Delay coverage up to $1,600.
• Missed Connection Coverage up to $1,600.

Other Allianz OneTrip Options & Offshoots

In case that wasn’t choice enough for you, Allianz also offers 2 offshoots of their OneTrip policy. If you like, look at them as the highly specialised cousins of the OneTrip family.

OneTrip Cancellation Plus Plan

OneTrip Cancellation Plus Plan is definitely Allianz’s budget policy. With this plan, you are only covered against trip cancellation, interruptions, and delays. Medical coverage, medical transportation, and baggage loss are not included.

Personally, I would only consider this policy if (1) you are not checking luggage (2) you have medical coverage elsewhere. For example, this may be OK if you are an EU citizen taking a short break to another EU country where you only have your trusty carry-on luggage and an EU emergency healthcare card.

OneTrip Emergency Medical Plan

This policy is great for travellers who only want medical coverage on one single trip. It provides up to £50,00 in emergency medical coverage and $250,000 in emergency medical transportation coverage.

Remember that this plan only offers protection for medical expenses. If you are robbed, your cuts and bruises are covered but your stolen phone is not. If the airline loses your luggage it is not covered and neither is heartbreak. Trip cancellation coverage is also not included.

This plan is, therefore, for anybody whose sole and only concern is medical coverage.

Remember, the OneTrip policies cover one specific trip. The AllTrips policies we are going to detail below cover long, or multiple trips within a one-year period.

Note that AllTrips policies may also be able to offer rental car coverage for damage as well as dismemberment cover. On the flip side, trip cancellation coverage is either non-existent or limited.

AllTrips Basic Plan

The AllTrips basic may be able to offer coverage for the “classic” issues on multiple trips within a one-year period. Let’s see those numbers.

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Evacuation Coverage. Note that $20,00 on medical emergencies may still be a little on the low side in the event you get very sick in an expensive part of the world such as the US.
• Lost/Stolen or Damaged Baggage up to $1,000. Yes, this may be able to cover most checked bags but remember the $500 max item clause. Baggage Delay is offered up to $200 and then $300 for trip delay.
• Rental Car Damage Coverage up to $45,000. Note that additional premiums may apply.

Note that the AllTrips Basic plan does not come with Trip Cancellation or Interruption Coverage. Remember that means you will not be reimbursed in case you are unable to go on your trip!

AllTrips Prime

As you probably guessed, AllTrips Prime is more or less the same as the basic package with some increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00. Remember that the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons.
• Lost/Stolen or Damaged Baggage up to $1,000 and $200 for Baggage Delay.
• Trip Delays up to $300.

AllTrips Premier

If you want even more coverage, then we have AllTrips Premier. The Allianz AllTrips Premier policy is basically the Prime one with even higher coverage amounts. AllTrips Primer may be able to cover;

• Emergency Medical Coverage of $50,000,00 and $500,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00.
• Trip Delays Coverage of up to $1,500.00.
• Dismemberment and travel accident up to $50,000 if you lose a limb or your eyesight when travelling.

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These are packing cubes for the globetrotters and compression sacks for the  real adventurers – these babies are a traveller’s best kept secret. They organise yo’ packing and minimise volume too so you can pack MORE.

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We’re now going to drill down and look at the various things that may be covered by Allianz travel insurance. Remember that some of these are covered by some policy types but not others, and note that coverage amounts and excess’ also vary depending on the exact Allianz policy type.

Emergency Medical Coverage

Got food poisoning in Delhi? Got hit by a moped in Bangkok? Or maybe you just slipped in the shower and broke your wrist in Madrid?

These things can, and do, happen and will all require emergency medical care. Being sick, infirm, and unable to make TikToks is bad enough as it is, so the last thing you want is a hefty medical bill which you have to pay out of your own pocket.

Emergency accident and sickness coverage is quite likely the most important aspect of travel insurance plans.

Emergency Transportation

Emergency Medical Evacuation is when you need to be sent to your home country, or another country, for further or continued medical treatment, and are too sick to travel home normally as a regular passenger. For example – if you are stuck in a hospital bed on a drip in a leg cast.

Trip Cancellation

Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date of your insurance plan) due to covered sickness, accidental injury, or death of you, a family member or travelling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons.

Trip Interruption

Trip Interruption Coverage includes the same stipulations as listed above in “Trip Cancellation”. It includes the caveat of covering the cost of accommodation to you if you are delayed.

Baggage Coverage for Loss/Damage

Being compensated for baggage loss of lost personal gear is likely the second most important aspect of your insurance. This is one of the most common reasons file a claim on your travel insurance.

This covers reimbursement for loss, theft, or damage incurred during the trip. It can be applied to all personal items that were lost, stolen, or else accidentally blown off the roof of a chicken bus travelling at top speed.

Baggage Delay

In the event your checked baggage is delayed or misplaced by the air carrier (for more than 12 hours) , you can claim reimbursement for any necessary items you need to purchase until your bag arrives. This will typically mean toiletries but may even mean some travel clothes if you can demonstrate the purchase is essential.

Trip Delay cover protects you when you’re unable to reach your destination on time due to circumstances beyond your control. If your airline cancels your flight due to a technical fault, Allianz travel insurance will reimburse you for any meals, transportation, or accommodation costs you incurred as a result. Note that delays of less than 6 hours are not covered.

Change Fee Coverage

Have you ever tried to change or vary a flight date or add or remove a passenger?! The fees can be insanely high. This is where Change Fee coverage comes in. If you have the AllTrips Executive, OneTrip Prime plan or OneTrip Premier plan, you can claim up to $500 to cover the cost of the airline change fee.

Travel Accident Coverage

If you are in an accident, you may be entitled to claim a compensation payment in addition to your medical/repatriation costs. This is usually reserved for loss of limb/eyesight type scenarios and you can’t claim for whiplash or emotional trauma from falling from a donkey!

The Travel Accident Coverage is also payable to your family in the event of your death.

Rental Car Damage and Theft Coverage

The AllTrips travel insurance polices also include rental car coverage. This can often prove considerably cheaper than obtaining insurance direct from the rental car provider.

If you are resident in the US, this feature may not be available to you. For clarity, we suggest you speak with Allianz travel insurance directly.

There are some notable omissions from Allianz’s cover. Let’s take a look at them.

Pre-Existing Medical Conditions

If you have a pre-existing medical condition which causes you problems on your trip, it is not covered under the Allianz policies. This is fairly common amongst insurers. It is important that you do declare any pre-existing conditions when taking the policy out.

If you do have a pre-existing medical condition, then you may be very interested to hear that SafetyWing can offer full coverage for PEMCs in their policies.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Extreme Sports

Allianz Travel Insurance does not any kind of adrenaline sport such as Quad Biking and Parachuting. The lack of coverage for extreme or adventure actives is one of the many reasons why we now prefer World Nomads. To get full details of the kind of activities World Nomads can offer coverage for, head over to their site and get a tailer made quote.

So as you can see, Allianz Global Assistance offers a lot of different policy types for a lot of different people. Allianz Travel Insurance maybe suitable for the following kinds of travellers;

• Annual Travellers – With the Allianz annual plan, you may be covered for a whole rotative journey around the sun, no matter how many times you travel! Annual plans are great for frequent and long-term travellers to save you money in the long run. On the other hand, though, SafetyWing offers a month-by-month policy which you can stop and start depending on how much you travel; this may prove to be more cost-effective.
• Senior/Ageing Travellers –  Allianz travel insurance policyholders are among the best senior travel insurances . They have no age limit. Believe us, not all insurers offer this and we have a LOT of queries from over 65’s & over 70’s who have struggled to find insurance elsewhere.
• Travelling Families –  Allianz travel insurance policies may allow children under the age of 17 to travel with their parents for free, on selected plans. This is great for families with kids. My earliest travel memory is of a Spanish ER department, my parents were glad they had me on their policy. Otherwise my foot would still be bleeding 33 years later!

Whilst they do offer a myriad of different plans to cover most travellers types, Allianz is perhaps not the ideal travel insurance company for absolutely everybody out there.

• Adventure Travellers –  Allianz Travel Insurance does not offer protection for extreme activity or sport of any kind! If you plan on doing any dangerous, adrenaline-type activities, then perhaps consider World Nomads who can offer coverage for over 201 different extreme sports. SafetyWing are also rapidly extending their extreme coverage.
• Travellers Wanting High Medical Coverage –  We usually recommend travelling with at least $100,000 of emergency medical coverage. If you come down with a severe illness or are mangled by a badger, you might be stuck with thousands of dollars in medical bills so need to be prepared. World Nomads do offer $100,000 in medical emergency cover.
• Corporation Haters –  Allianz are a major international finance company and we know some of you prefer not to deal with such organisations. That’s a perfectly legitimate point of view. However, remember that even a lot of “boutique” insurers are in fact ultimately shop fronts for big insurers such as Zurich, Lloyds, or even Allianz. In fact, all some boutique firms do is sell you the illusion of dealing with a small firm and charge you a hefty commission for the privilege.

So now we know the details, the next burning question is how much does Allianz Travel Insurance cost?

Well actually, it’s very difficult to say. The pricing details vary depending on a wide range of factors such as your age, location, your trip plans, if you have a pre-existing medical condition, and numerous other factors that only the gods of insurance can compute. It’s worth it to get in there and check yourself.

So, now, let’s talk about our trusty travel insurance plans for backpackers.

World Nomads

World Nomads offers coverage for backpackers and adventure trailers. They are one of our favourite travel insurance providers and we have used them for years.

Unlike Allianz travel insurance, World Nomads are a travel insurer with a focus on backpackers.

World Nomads offer 2 separate plans depending on how much cover you want and what exactly you intend to do. World Nomads can also offer trip cancellation coverage, electronic gadget, and theft coverage in the policies.

Word Nomads can cover over 140 countries (but not Pakistan which is a shame for us) . They can also cover a wide range of adventure stuff and extreme sports like mountaineering which Allianz travel insurance do not.

However, they do not offer home country cover and do not offer open-ended cover. If you are not planning on doing any adventure stuff though, then you may find World Nomads to be a bit expensive.

SafetyWing are a relatively new player on the scene. They are founded by travellers, for travellers, and their primary target is for those travelling as a digital nomad : people like me who move around the world working from our laptops. We can go many years without ever going “home” and SafetyWing recognises this and can offer open-ended cover.

What we LOVE about SafetyWing is that their insurance operates like a monthly subscription that you can stop and start as and when you need it. They are also one of the few providers who may be able to cover some pre-existing conditions and provide assistance with “routine” health stuff.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

By this point, you may well know which travel insurance is best for you. Maybe it’s Allianz travel insurance, or maybe it’s one of the others.

The question now then is, when should you buy travel insurance?

You can buy travel insurance up until the start date of your trip for most insurers. Many will not cover a trip that has already begun – with the exception of World Nomads and SafetyWing.

Note : if you ever do make a claim, you may well be asked to provide evidence of the start date. So I do not recommend trying to hoodwink insurers. Be totally honest or it will come back on you.

However, in our experience, the earlier you book your travel insurance, the better. This is for a number of reasons:

• Things sometimes go wrong before the trip even starts. For example, if the airline goes bust. This happens to 1000s of people every year. Or what if you get very sick a week before flying and have to cancel?! If you have the right travel insurance in place, your insurer may cover you in these scenarios.
• The vast majority of policies include a cooling off period . This is a period of time (usually 28 days) when you can cancel the policy and get all of your money back. We suggest using the cooling period to read through the policy documents and ensure that the cover fully meets your needs. Upon a closer look, if it does not suit you, you have time to contact the insurer and amend the policy, or cancel it and obtain more suitable travel insurance.

Personally, I usually book my travel insurance the very same day I book my flight. The only exception is if I already have long term or an annual plan. In these scenarios, instead, be sure to check the last date on your annual/long-term cover and make sure it covers your whole trip.

First up, it is unlikely you will ever need to make a travel insurance claim. Yipee!

In case you do though, you will be very pleased to hear that the process is pretty straightforward as long as you are dealing with a reputable company. If you are not then it may be a lot harder.

To initiate a travel insurance claim, all you need to do is contact (call) Allianz Global Assistance and chat with their 24-hour multilingual staff. You should do this as soon as possible or as soon as you know you will need to make a claim .

You will need to tell them about your claim including details of what has gone wrong, and what the damage seems to be. You can also initiate the process online by signing into your account.

If you are claiming lost or stolen items, you will need to write up a formal sworn statement of events, detailing what happened and what was lost. You will also need to have an official police report made up – it is highly important that you obtain this even if it means paying a fee/bribe or hassling the police to do it. Try to get it in both the native language and in English if possible.

The Insurance company may contact you to discuss your claim further. You may even be subjected to a an anti-fraud interview and your call may even be run through voice detection software designed to spot deceit! However, you have nothing to worry about if your claim is legitimate and in order.

It is very helpful to get all of your receipts and invoices together first and submit all expenses at once. Do keep copies of every expense, bill, invoice, and report as you will need to provide these to the claims team. They may pay out small amounts without a bill, but in the case of extra hotels, flights, or electronics, the rule is usually “no proof = no payment”.

After that is sorted, you upload all of your information and documents, review the claim and submit. The Allianz team will get cracking and stay in contact with you throughout this process. Note that resolution time does vary from case to case. It may be days, weeks, or sometimes months depending on the details of your claim.

I hope you found this Allianz Travel Insurance Review to be informative – it certainly took a lot of work on our part to put it together! Comprehensive travel insurance is important to safe travel and you need to carefully choose the best provider for your needs.

We really care about the safety of our readers. That’s why we do recommend travel insurance so strongly. We’ve seen ourselves what can go wrong – and we wouldn’t wish it on anyone.

So check for trip interruption coverage, get your gadgets covered, but most importantly, make sure any potential medical expenses are covered, especially emergency medical expenses. Shop around different providers to find the right one for you. Once again, we wish you an awesome and safe trip!

Aiden Freeborn

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The author did a very nice job explaining the different types of insurance Allianz offers. But, until you have experienced their VERY POOR customer service and actual reimbursement procedures, you will not have the complete Allianz story.

I would never use Allianz Global Assistance for your trip insurance needs During a Viking River Cruise June, 2023, my husband came down with COVID. VIKING handled their end of any claims and taking care of us beautifully, BUT Allianz Global Assistance was a completely different story. We had Trip Interruption insurance (which included coming down with COVID) and trying to get reimbursement for all our medical expenses and a post trip to Amsterdam we had planned (not with Viking, but through our travel agent) has been one of the most frustrating ordeals I have ever dealt with. We are asking for approximately a $2,000 reimbursement and we have received $300.

If you need to file a claim, here is what you can expect after you complete the on-line claim form on Allianz’s website : 1. They will tell you they can’t read your receipts (even though you can read them on the email you send or they are PDFs from Viking or your TA). One Allianz customer service rep (probably the 7th person I talked to), told me to download a $50 app that makes receipts readable, which I did, and they still couldn’t read them. I finally snail-mailed copies of the receipts and they still declined 75% of them. 2. Phone calls with wait times of over an hour. This has happened to me 10+ times (not just a random occurrence), and I have tried all times of the day – same thing. 3. When you do talk to a rep, the call will always, and I mean always, disconnect before the issue is handled.

I could go on and on, but bottom line, I will NEVER use Allianz again or recommend them to anyone. We are out $2,000 + $1,000 we paid for the Trip Insurance. It is a big deal, but I can’t imagine if we had to rely on Allianz for the total trip reimbursement. Thank goodness Viking stepped up and provided the level of customer service they did.

Of course, we are aware that some customers sometimes have insurance claims denied. We also appreciate that others have bad customer service experiences with all kinds of different companies.

However are not privy to the finer details of your situation, and Allianz are not here to put across their side of the story either – furthermore this is not really the legitimate forum to air complaints about them. Still in the interest of openness and transparency we will let your comment stand.

Best of luck with your next trip.

Yes agreed – your statement about Allianz not offering unlimited medical cover is complete BS and misleading to readers. Are you paid to promote World Nomads Insurance? Please provide full disclosure to your readers.

I have just rechecked the Allianz policy information available on their website and what we have said appears to remain correct. If you feel we have missed something then please elaborate.

As for World Nomads, we have made it clear that some of the links in this post are affiliated.

Hi there, I found your article very informative, but I just wanted to make a couple of corrections. Im not affiliated with Allianz, but Ive been researching which insurance to buy and they have provided me with a quote and their PDS, which Ive read in full. The amounts that Allianz offers for overseas emergency assistance and overseas medical and hospital expenses under their comprehensive plan are both unlimited, and they do offer insurance for pre-existing medical conditions, you just have to pay an additional premium.

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

308 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3174 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Why Purchase Travel Insurance

Allianz epidemic coverage endorsement, onetrip plans — for affordability and select coverages, alltrips annual plans — cover all of your trips for a 12-month period, how to obtain a quote with allianz, onetrip emergency medical plan, onetrip cancellation plus plan, rental car damage protector, allianz vs. credit card travel insurance, allianz vs. other travel insurance companies, allianz vs. point-of-sale travel insurance and protection, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

There are a lot of choices when it comes to travel insurance companies , so narrowing your selection to those that have a solid financial rating, offer products that provide good value, and receive high customer ratings should be baseline criteria.

Allianz Global Assistance company ( Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products. It also serves over 45 million customers in the U.S. each year with 84% of those customers giving the company a 5-star rating.

Allianz has also been around a long time. In fact, the company was there to insure the Wright Brothers’ first flight and the construction of the Golden Gate Bridge — so you know you’re working with an established organization. You’ll also find that Allianz does business in more than 35 countries.

Let’s take a look specifically at Allianz Travel’s insurance products, show you how to obtain a quote, and give you some tips on purchasing and comparing travel insurance policies.

And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.

Travel insurance can protect your trip investment with coverage for disruption due to unforeseen events such as severe weather, should you become ill, for illness in your family, missed connections, medical emergencies, and more.

Deciding whether to purchase travel insurance for your trip is an option each time you make a travel booking. The coverage is commonly offered by airlines, cruise companies, tour operators and other travel providers at the point of sale. If you travel infrequently and the cost is relatively low, you may just opt for the coverage during the booking process.

However, if you’re going to be taking several trips, you may be able to save money and receive better coverage if you compare with other travel insurance policies in the marketplace. Additionally, you’ll want to determine if it makes sense to purchase single insurance coverage for each trip or an annual all-trips-included policy.

Situations where it makes sense to purchase travel insurance include the following:

• You’re booking an expensive trip that includes a lot of non-refundable upfront expenses
• Your trip includes several travel providers (i.e. airlines, hotels, and tour operators)

While travel insurance is meant to cover unforeseen events, purchasing Cancel for Any Reason coverage may allow you to cancel your trip for any reason.

Bottom Line: If you’re uncomfortable with the amount of money you have at risk when you travel, securing travel insurance can provide immediate peace of mind . You’ll have solace in knowing that if you needed to cancel your travel plans due to a covered event or if your travel is disrupted, you’ll be able to recoup most, or all, of your investment.

Travel Insurance and the COVID-19 Virus

Most travel insurance policies do not provide coverage for trip cancellation due to fear of the coronavirus pandemic . However, COVID-19 is an included illness on many travel insurance policies as it relates to certain coverages such as emergency medical care while traveling and canceling a trip if you become ill with the virus. You may also have coverage if a family member or travel companion contracts the virus and you must cancel your trip as a result.

The only way to cover trip cancellations due to fear of contracting COVID-19 is to purchase Cancel for Any Reason insurance. This coverage can be added to a comprehensive travel insurance policy (with limitations) and subsequently allows you to cancel your trip for any reason.

While Allianz does not offer Cancel for Any Reason insurance , it may cover COVID-19 related illness in the following circumstances:

• Emergency medical care while traveling
• Trip cancellation due to becoming ill with the virus

Allianz recently announced that it is adding a new endorsement to select policies that will offer limited coverage for COVID-19 . Circumstances such as becoming ill with COVID-19 and having to cancel your trip, hospitalization, and trip delays due to such illness while traveling will have coverage.

Emergency transportation coverage has also been expanded to include COVID-19-related illness. Terms and conditions apply and the endorsement is not available on all policies Allianz offers.

You can find policies that offer Cancel for Any Reason insurance at TravelInsurance.com  and Aardy.com .

Bottom Line: Travel insurance policies normally do not cover canceling your trip because of fear you might get ill. However, Cancel for Any Reason insurance allows you to cancel a trip for any reason you determine is necessary. 

Types of Travel Insurance Policies Available With Allianz

Allianz Travel offers 2 core types of travel insurance plans: single trip plans and multi-trip plans . Each plan allows you to select the level of coverage you want and subsequently, the level of premium you prefer to pay.

We’ve used criteria to obtain a quote for a traveler age 35, traveling for 1 week to Mexico on a trip costing $3,000 . All benefits are per person, per trip, unless otherwise noted.

The single trip option allows you to select from a Basic, Prime, or Premier plan. Premiums vary by plan and coverage levels.  For the example we selected, the premiums ranged from  $116 for the Basic to $192 for the Premier pla n .

OneTrip Basic Plan — the Most Affordable Plan

The OneTrip Basic plan offers basic trip protection at an affordable price.

OneTrip Prime Plan — the Most Popular Plan

Need more coverage but still want your travel insurance protection to be affordable? The OneTrip Prime plan offers higher coverage limits at a reasonable cost.

The following are the maximum coverage limits for OneTrip plans. These coverages can be found under the OneTrip Premier Plan:

• Trip Cancellation —  up to $100,000 reimbursement for prepaid non-refundable expenses; pre-existing medical conditions included
• Trip Interruption —  up to $150,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event; pre-existing medical conditions included
• Emergency Medical — up to $25,000
• Emergency Medical Transportation — up to $500,000 for transportation to the nearest medical facility
• Baggage Loss/Damage — up to $1,000 for theft, loss, or damage
• Baggage Delay —  up to $300 for delays 12 hours or more
• Trip Delay — up to $800 ($200/day for 4 days) for delays of 6 hours or more, for eligible expenses; an option to receive $100/day with no receipts required is also available
• Change Fee Coverage — $500
• Loyalty Program Re-deposit Fee Coverage — $500, covers re-deposit of points/miles due to covered trip cancellation
• 24 Hour Hotline Assistance
• Optional coverages include pre-existing medical coverage, rental car coverage, and required to work coverage — restrictions apply

Also worth noting is that kids age 17 and under are covered at no additional charge when traveling with a parent or grandparent.

Bottom Line: Allianz offers several levels of single-trip travel insurance plans that can fit every budget and level of coverage needed. 

If you’re a frequent traveler and want to ensure all of your trips are covered without having to purchase individual travel insurance policies, one of the AllTrips plans might be an appropriate choice. All of the trips you book within the 12-month policy period are covered automatically.

Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent.

The AllTrips Executive plan is the most comprehensive policy and includes the maximum coverage limits listed below . AllTrips Prime and AllTrips Basic have less coverage than the Executive plan but may still be appropriate for your situation.

For example, the AllTips Basic plan does not include trip cancellation/interruption insurance but has emergency medical, evacuation, trip delay, baggage insurance, and car rental insurance.

• Trip Cancellation —  up to $10,000 reimbursement for prepaid non-refundable expenses
• Trip Interruption —  up to $10,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event
• Emergency Medical — up to$50,000
• Emergency Medical Transportation — up to $250,000 for transportation to the nearest medical facility
• Baggage Loss/Damage —  up to $1,000 for theft, loss, or damage
• Baggage Delay — up to $1,000 for delays 12 hours or more
• Trip Delay —  up to $200 per day for eligible expenses, up to $1,600 in coverage , for delays of 6 hours or more
• Rental Car Damage and Theft — up to $45,000
• Business Equipment Coverage — up to $1,000
• Change Fee Coverage — up to $500
• Loyalty Program Redeposit Fee — up to $500
• Travel Accident Insurance — up to $50,000
• Concierge Services
• Optional Pre-Existing Medical Coverage — restrictions apply

Bottom Line: Allianz’s AllTrips 12-month plans offer affordable options to cover every trip you have booked or have yet to book within a 12-month period. 

Travel insurance is one of the easiest policies for which to obtain a quote and subsequently purchase a policy. Unlike auto or home insurance, you simply input some basic information about your trip, your age, where you reside, and your quote is instant.

You can then read through the coverages, select a policy that fits, and hit the purchase button. There is also no risk as you’ll have a free-look period where you can review the policy and decide whether to keep it or not.

If not, you can get a full refund. This period can be 10-14 days after purchase , depending on your plan and state regulations.

Additional Travel Insurance Offered by Allianz

In addition to the travel insurance packages offered by Allianz, you can purchase these additional plans and coverages available for single trips:

If trip interruption/cancellation is not important to you, you’ll find this plan with emergency medical, baggage insurance , emergency transport, travel accident coverage , and trip delay an affordable alternative.

If you need to cancel your trip for a covered reason or your trip is interrupted for a covered event, you’ll have coverage. Trip delay and 24-hour assistance are included.

For $9 per day, receive rental car damage/theft coverage, rental car trip interruption protection, and baggage loss coverage.

Hot Tip: If trip cancellation/interruption or trip delay coverage comes with your credit card is adequate for your trip but you want additional medical coverage, the Allianz’s OneTrip Emergency Medical plan may be a viable and affordable supplement. 

How Allianz Compares

When it comes to comparing travel insurance policies, it’s difficult to match apples to apples. Coverages vary widely, as well as terms and conditions. The lowest-priced policy is not always the best value for your needs. The flip side is possible, too. You may find a policy with plenty of coverage at a price that is more than you want to spend.

The best solution is when you find a balance between coverage and cost.

Here’s how Allianz’s travel insurance offerings compare with other travel insurance options.

The coverage that comes with your credit card does not compare with a comprehensive travel insurance policy . In addition to the limited travel insurance coverage credit cards offer, if you do have a claim, you’ll have the potential hassle of dealing with a third-party claims administrator.

With that being said, the trip cancellation, trip interruption, trip delay insurance, and primary rental car insurance coverages found on several credit cards may be more than adequate for your trip.

Here are some of the best credit cards for travel insurance:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees: None
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American Express Membership Rewards

The Amex Platinum card comes with trip cancellation and trip interruption insurance with a benefit of $10,000 per trip, up to a maximum of $20,000 per account per 12-month period.

Pay for your trip with your eligible card and you, your immediate family, and eligible traveling companions are covered for non-refundable expenses paid to the travel provider. Trip interruption coverage will also reimburse for additional travel expenses incurred due to a covered loss during your trip.

Trip delay coverage is also included on the Amex Platinum card for delays more than 6 hours. Reimbursement for incidentals and eligible incurred expenses is limited to $500 per trip with 2 claims allowed per 12-month period.

The Amex Platinum card also comes with emergency medical evacuation coverage .

For more information, check out our detailed guide to the travel insurance benefits offered by the Amex Platinum card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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 SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

Pay for your trip with your eligible card for up to $10,000 in coverage per person, $20,000 per trip, and up to $40,000 in a 12-month period. You and your qualifying immediate family are covered.

You’ll also find primary car rental insurance on the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® .

To learn more about the travel insurance benefits on the Chase Sapphire Preferred card , you’ll want to review this detailed article.

Chase Sapphire Reserve Card

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• 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 SM .
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel SM  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
• Get 50% more value when you redeem your points for travel through Chase Travel SM . For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass TM  Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: $0

In addition to the same trip cancellation/interruption/delay coverage as the Chase Sapphire Preferred card, the Chase Sapphire Reserve card offers up to $2,500 in emergency dental and medical coverage , emergency medical evacuation .

For more information check out this guide to all of the travel insurance benefits offered by the Sapphire Reserve.

Before purchasing any travel insurance policy, it’s wise to compare — fortunately that’s an easy task to execute. With comparison sites such as the ones listed here, you can compare as many as 100 travel insurance policies very quickly and find a policy that fits your situation and budget.

Keep in mind that insurance rates and coverages are highly regulated by the states . Insurance companies file a certain policy for a certain price with the state insurance commission, then the company is allowed to offer that policy, at that price, in that state.

For this reason, you won’t find the same policy offered at different prices. However, you could find a policy that is a better fit and possibly for less money by comparing several companies’ offerings.

Not all comparison sites include Allianz but when comparing similar policies, you’ll find that the company is competitively priced (a few companies lower and many companies higher). Individual results will vary based on your criteria.

Here are 4 websites that allow you to easily compare travel insurance policies.

• Insure My Trip — With over 60,000 customer reviews, 21 highly-rated travel insurance providers, and a best price guarantee, Insure My Trip makes it easy to find the right travel insurance policy.
• Travelinsurance.com — Compare major top-rated travel insurance company policies easily with this licensed online insurance search engine.
• SquareMouth — This popular travel insurance search engine offers easy comparisons of hundreds of policies offered by dozens of highly-rated insurance companies.
• Aardy — AardvarkCompare is a licensed travel insurance company with agents on staff to help you find the right travel insurance policy. Its website allows you to compare the policies of over 30 travel insurance providers.

There are also specialty companies such as World Nomads  that do a great job providing travel insurance for active individuals. If you’re into outdoor sports, adventure activities, or even more risky activities such as skydiving, you can find coverage through World Nomads.

Bottom Line: If you’re looking to purchase a travel insurance policy, you’ll want to compare companies and policies . First, look at companies with a strong financial rating, select a policy with coverages that are a priority to you, then select a premium you’re comfortable paying. 

Allianz is actually one of the companies that provides the travel insurance you’re offered when you book a flight. An example is displayed in the above image of their offerings when you purchase a Delta Air Lines ticket.

Point-of-sale travel insurance, however, can run from inexpensive options that offer little coverage to expensive options that provide greater coverage but still have limitations, similar to stand-along travel insurance policies.

If you fly once or twice a year, the coverage is adequate for your needs, and the cost is reasonable, you may easily choose to go this route and purchase coverage at the point of sale. However, you may fare better by securing a separate travel insurance quote to compare coverage/cost.

Always read the fine print before purchasing any coverage to ensure you’re getting the coverage you expect. For example, one might assume by looking at this example that canceling the trip would be covered, when in reality the covered reasons are limited.

Bottom Line: Even for point-of-sale travel insurance to cover a single travel purchase, it’s good to get a comparison quote. Securing a quote may save you money while offering broader coverage that could cover your entire trip versus just a portion of it. 

Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.

One downside of Allianz is that the company does not sell Cancel for Any Reason Insurance . This is not an issue if you understand this up front and know that your policy does not allow you to cancel a trip for just any reason. After all, this is the case with most travel insurance — there are specific covered reasons for being able to cancel a trip and have coverage.

Cancel for Any Reason insurance can also result in a premium as much as 70% more than a standard policy, so many travelers may not consider it due to its cost.

If money is not a concern, you can purchase as much insurance as you’d like to have. However, in reality, purchasing travel insurance that works for you involves finding a balance between the coverage you want and the maximum premium you’re willing to pay.

Allianz is a respected company that offers a variety of policy choices with appropriate coverage for the majority of travelers at price points that fit most budgets.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is travel insurance worth it.

Yes, it can be worth it. If you are uncomfortable with the amount of money you would lose or be forced to pay in the event you had to cancel your trip or if you incurred disruption while traveling, you should purchase travel insurance.

An inexpensive trip or single flight may not warrant purchasing travel insurance, but insuring an expensive or complicated trip where you have a lot of non-refundable prepaid expenses at risk makes economic sense.

Travel insurance also provides the intangible benefit of peace of mind, knowing you are protected if you have to cancel due to a covered event or your trip is disrupted once in motion.

What is covered for trip cancellation?

There are limited covered reasons for receiving a benefit from trip cancellation insurance. The number 1 reason most travelers cancel their trips, according to InsureMyTrip.com , is the unforeseen illness of the traveler or of family members.

Fortunately, this is a covered reason for trip cancellation, although the level of coverage varies by company and policy.

Additional covered reasons can include death, hospitalization, or accident to you or covered family, legal obligations, your home becomes uninhabitable, the default of the travel provider, or natural disaster.

Deciding not to take a trip is not a covered reason for trip cancellation. Cancel for Any Reason insurance must be purchased in order to cover canceling a trip for a reason you personally deem necessary.

Does travel insurance cover flight cancellations?

Yes, travel insurance can cover flight cancellations in certain circumstances and depending on the policy purchased.

However, if an airline cancels your flight, whether prior to travel or during your travels, you would first contact the airline or the agency where you purchased your ticket for rebooking, a refund, or travel credit.

If you are not made whole, you could then look for coverage in your travel insurance policy.

If a flight is canceled due to weather during your travels, for example, and you are forced to incur unexpected expenses as a result, you could have coverage under a travel insurance policy if these expenses are not covered, or insufficiently covered, by the airline.

There could also be coverage under trip interruption/delay insurance if an airline cancels a flight and it causes you to miss ongoing travel which has been prepaid and is non-refundable.

Which is the best travel insurance company?

The best travel insurance company will have a high financial rating from a respected insurance industry rating company such as A.M. Best, offer a selection of coverages that matches your protection priorities, and does this at a price you’re willing to pay.

You should check reviews as well, keeping in mind that most consumers want to pay the least amount of money they can at the time of purchase and by doing so, coverage can be sacrificed. When there’s a claim, it’s natural to want the highest degree of coverage, although that may not have been the level purchased.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Allianz Partners USA   Reviews

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Reviews 4.3.

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I purchased rental car insurance for a…

I purchased rental car insurance for a trip in Europe. Within 30 minutes of picking up my car the windshield was struck by a rock on the highway and cracked. The rental agency charged me nearly $1000 for the repair. Filing the claim with Allianz was extremely easy and straight forward. The whole process from my submission to the money hitting my bank account took less than 2 weeks. I would highly recommend Allianz rental insurance to anyone traveling abroad!

Date of experience : April 22, 2024

Game ticket problem

We had a problem regarding a game we were unable to attend due to a flight cancellation and they explained what they needed from us in order to process the claim. We provided the information and within 72 hours they had evaluated our claim. Everything was was perfectly handled.

Date of experience : April 10, 2024

Reply from Allianz Partners USA

Dear Roberto, Thank you for the 5-star rating! Your feedback motivates us to continue providing exceptional service to all our customers. Sincerely, Nolden Social Care USA

I live I Los Angeles County

I live I Los Angeles County, California. I thought I was buying RiverdAnce tickets for LA. I have not been released from Cancer treatment. I sent my last medical receipt showing my last doctor visit. I don’t understand the lack of customer care. It’s a year away. You will sell the tickets before then. Please please reconsider return our money. We are 74 years old. On social security and cannot afford this loss

Date of experience : April 19, 2024

Hi Fuchsia, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I am so sorry to hear about your experience. If you have further questions about the outcome of your claim or would like to review the plan you purchased in full detail, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R.

Smooth and hassle-free experience of purchasing a policy

I wanted to commend your company for the exceptional experience I had. Both purchasing a policy and filing a claim were smooth and hassle-free. The user-friendly website and mobile app with helpful customer service made everything easy. Thank you for the peace of mind while traveling!

Cancel air reservation

I had a trip with my grandson to Pittsburg. The day before we were scheduled to leave he developed an ear infection. I contacted the airline to cancel our flight and was told we could not cancel due to the method of booking. We drove home with others who were on the trip. I submitted a claim to Allianz explaining the circumstances and was refunded the airfare cost with no problems.

Dear Valued Customer, Thank you for taking the time to leave us a review. We are thrilled to hear that you received good service. Your support is invaluable to us. Sincerely, Stacey Social Care USA

Allianz is great

My husband and I both got bronchitis on our cruise. Aside from us getting antibiotics and cough medicine from the ship's doctor, I had to have 2 neblulizer treatments. When we got home, we submitted all the required documents to Allianz on their website and received payment within 2 weeks. We always use Allianz when we travel.

Date of experience : April 21, 2024

I unfortunately had to miss out on a…

I unfortunately had to miss out on a once in a lifetime show that I’ve been looking forward to for years and Allianz made it possible for me to get back most of my money so it wasn’t a double loss for me. I appreciate their assistance in making sure I had everything needed to receive my refund.

Date of experience : April 15, 2024

Dear Eric, We appreciate your feedback and are delighted to know you are protected by our travel insurance. Your satisfaction is our top priority, and we look forward to serving you again soon. Sincerely, Nolden Social Care USA

Grateful I bought the insurance this time.

Trying to upload the documents was a challenge at first because the files didn't work in your system. But then I was able to scan the documents and then they would upload correctly. From there it was pretty straight forward even for non-it minded folks.

I have used Allianz for over ten years

Easy on line purchase of insurance. I have been using Allianz for over 10 years to meet my travel needs. Over that time I have had only two claims and they were both processed on a timely and effective manner. I will continue to use Allianz.

Date of experience : April 20, 2024

Dear Valued Customer, We appreciate your feedback and are delighted to know you are protected by our travel insurance. Your satisfaction is our top priority, and we look forward to serving you again soon. Sincerely, Stacey Social Care USA

Don’t use them ! FRAUD

I paid for insurance and when it came time to utilize it I was denied despite having proof and it being something out of my control. They are a scam!! Just sell your tickets back from ticket master instead of dealing with the hassle of this fraud company.

Dear Nicole, We are grateful that you took the time out to leave us a review! Sincerely, Nolden Social Care USA

The purchasing experience was easy and user friendly.

The purchasing experience was easy and user friendly. The price is consistent with industry standards. I used this company because of a previous good experience (Iceland Earthquake disrupting travel from Europe many years ago). I have not traveled yet. I hope that if required to place a claim, the process will be as easy and productive this time..

Date of experience : April 14, 2024

The processing of claims is slow

The processing of claims is slow, and responses and followup is not always forth coming. It took all of six months to settle a simple accident claim. Even after I supplied all documents and was contacted by a rep, it took months to hear back from company and i had to call only to be told they had all the rwvords and did not know why i was not contacted and they would get the respective agent to contact me. Then later I was asked to submit the very things I had already submitted making it a third time I would submitt the same documents.

Date of experience : April 18, 2024

Allianz was there for us when we needed…

Allianz was there for us when we needed it. I always purchase travel protection, probably just out of habit but I never thought I would need it. On a recent trip we did need it and Allianz was wonderful. Easy to understand process, quick, and kept us well informed.

Date of experience : April 11, 2024

Dear Valued Customer, Thank you for sharing your positive experience with Allianz travel protection. We are delighted to hear that our services met your expectations and provided you with peace of mind during your recent trip. Your satisfaction is our top priority, and we strive to ensure that our customers have a seamless and hassle-free experience. We appreciate your trust in Allianz, and we are committed to continuously improving our services to meet your needs. Sincerely, Sam Social Care, USA

My claim was handled quickly

My claim was handled quickly. After my initial request, I was guided via email as to what documents I needed to submit, and was kept informed as to the status of my claim. In just a few days of submitting all documents, my insurance claim was sent to my checking account.

Dear Patricia, We appreciate your feedback and are delighted to know you are protected by our travel insurance. Your satisfaction is our top priority, and we look forward to serving you again soon. Sincerely, Nolden Social Care USA

Generally great process; poor ticket value coverage

the processing, upload, status communication was amazing. Was displeased with the cap on the ticket price purchased where it only covers up to a value but is less than the ticket amount. Read the fine print!

Date of experience : April 23, 2024

Great service and very quick

I had a completely unexpected illness come up over the last few months and Allianz was very quick to process my paperwork and get my event tickets refunded. The money was in my account the same day my claim was approved. I will never go without travel insurance again.

Dear Valued Customer, Thank you for sharing your experience with us! We are thrilled to hear that you have positive things to say about Allianz Partners. If you are attending another future event, please let us know and we would be happy to provide protection. Sincerely, Stacey Social Care USA

Never again.

I submitted my claim multiple times over fax, and downloaded files and sent over email. The only response I got was they never received all the information. Finally, four months later, i spoke with someone. The computer soft ware was updated, the files were submitted and the claim was paid out. Will never use this company again.

Hi Scott, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I am so sorry to hear about your delayed experience. If you have further questions about the outcome of your claim or would like to review the plan you purchased in full detail, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R. Social Care, USA

Very pleased

Process to file my claim was relatively easy, did as promised. Very happy that I purchased, pneumonia caused me to have to cancel my trip and Allianz got me my full refund. Highly recommend.

Dear Steven, It makes us incredibly happy to know that we were able to help you. We'll continue working hard to provide you with an excellent experience. Sincerely, Nolden Social Care USA

Definitely get trip insurance

Submitting a claim eas easy and the information they asked for was reasonable. The claim was approved and I was repaid in a good amount of time. I don't usually purchase their insurance, but after this great experience, I won't hesitate again.

Dear Jennifer, Thank you for sharing your experience with us! We are thrilled to hear that you have positive things to say about Allianz Partners. We look forward to protecting your travels again soon! Sincerely, Nolden Social Care USA

DO NOT BUY THEIR INSURANCE WITHOUT READING WHAT IT PROTECTS!!!!!!!!!!!

The fact that they offer “insurance” but only if ‘you’ have an emergency and can’t make the show is ABSOLUTE BOGUS!! I paid over 200 dollars for tickets, 425 for a hotel for 2 nights, AND rented a vehicle to go and see an artist that isn’t coming to my city, just for said artist to CANCEL their concert 4 DAYS BEFORE THE CONCERT! I took days off of work to go and see this artist and THEY canceled and RESCHEDULED their show so I can’t resell or transfer my tickets I can’t get a refund and this DUMB ASS INSURANCE DOESNT COVER IF AN ARTIST CANCELS OR POSTPONES THEIR CONCERT AND I CANT EVEN GET MY MONEY BACK!?!?!! ABSOLUTELY RIDICULOUS!! I HAVE wasted money on the insurance!

Allianz Global Assistance Travel Insurance Review

Allianz Global Assistance

• Offers emergency medical and evacuation coverage
• Annual plans cover trips up to 360 days in length
• The only top-rated provider with a mobile app
• Travelex Insurance Services
• John Hancock

How We Reviewed Allianz Global Assistance Travel Insurance

9 plans evaluated

3 experts consulted

2 competitors compared

When you’re going on a big trip, pre-paying for things like transportation and activities often makes traveling easier. If things don’t go as planned, you could risk losing money. This is where travel insurance comes in handy.

Travel insurance gives you financial security while you’re traveling. In addition to pre-paid activity and transportation reimbursement, travel insurance also covers things like lost luggage and emergency medical care.

If you’re planning a vacation, we recommend purchasing travel insurance for added peace of mind and security. Allianz Global Assistance is one of the leading travel insurance companies that provides a variety of plans and coverage options for domestic and international travelers.

• In business since: 1890
• AM Best financial strength rating: A+
• Policy types: OneTrip Cancellation Plus Plan, OneTrip Basic Plan, OneTrip Prime Plan, OneTrip Premier Plan, OneTrip Emergency Medical Plan

One Trip Cancelation Plus

• Trip Protection: $10,000 (interruption + cancellation)
• Emergency Medical Insurance: N/A
• Evacuation and repatriation: N/A
• Baggage loss and theft: N/A
• Number of activities covered: N/A

One Trip Basic

• Trip Protection: $20,000 (interruption + cancellation)
• Emergency Medical Insurance: $10,000
• Evacuation and repatriation: $50,000
• Baggage loss and theft: $500

One Trip Prime

• Trip Protection: $250,000 (interruption + cancellation)
• Emergency Medical Insurance: $25,000
• Evacuation and repatriation: $500,000
• Baggage loss and theft: $1,000

One Trip Premier

• Emergency Medical Insurance: $50,000
• Evacuation and repatriation: $1,000,000
• Baggage loss and theft: $600

One Trip Emergency Medical

• Trip Protection: N/A
• Evacuation and repatriation: $250,000
• Baggage loss and theft: $2,000
• Number of activities covered: N/A 
• The Competition
• Allianz vs John Hancock

Allianz Global offers a broader variety of policy options than John Hancock . Allianz offers five plans, whereas John Hancock only offers three. However, John Hancock’s policies provide much higher coverage limits than Allianz. If you’re looking for the most protection during your trip, we recommend John Hancock.

On the other hand, if you’re taking a vacation with kids, we recommend Allianz Global over John Hancock. Allianz will insure kids under 17 for free when they travel with a parent or grandparent. Looking at customer service, John Hancock comes out on top. We had a much better experience with John Hancock’s agents and appreciated their extensive knowledge of the plans.

• Allianz vs Travelex Insurance Services

Overall, Travelex performed better than Allianz Global in several major areas. First, we determined that Travelex is a better option for people who want to customize their plan and their coverage limits. This is one area where Allianz lagged behind competitors.

Despite having only four plans, travelers can get more coverage for longer or more adventurous trips with Travelex than with Allianz. Travelex also offers an adventure sports coverage package that Allianz doesn’t offer. Travelex customers can upgrade their plan with “Cancel for Any Reason” coverage for the most protection. Based on our evaluation, we also thought that Travelex had better customer service than Allianz. 

• The Bottom Line

Overall, Allianz Global is a trustworthy travel insurance provider. The company offers a number of plans and add-on policies that fit a wide range of travelers and vacation types. We also like that Allianz offers annual plans, which is ideal for people who travel multiple times each year. Families traveling together will also benefit from Allianz’s free coverage for kids under 17. However, Allianz didn’t offer the best customer service compared to John Hancock and Travelex. Additionally, Allianz’s insurance plans aren’t very flexible. Unlike Travelex, Allianz customers can’t choose to increase or decrease their coverage limits based on their needs.

Does Allianz Global Assistance cover flight cancellation?

Yes, Allianz Global Assistance covers flight cancellation in certain situations. For example, if you get sick and have to cancel your trip before you leave, Allianz will reimburse you for the airfare fee.

Does Allianz offer cruise insurance?

Yes, Allianz Global does offer cruise insurance. Allianz cruise insurance also covers situations like lost or delayed baggage, trip delay coverage and trip interruption coverage.

Can I get away with just having personal insurance travel?

When you’re going on a trip, getting travel insurance is better than relying on personal insurance alone. If you’re traveling abroad, keep in mind that some insurance companies won’t extend your coverage to overseas countries. 

About the Authors

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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Table of Contents

Allianz Travel Insurance Review (2024): Are they legit?

Travel insurances are necessary and recommended for traveling, but how do you know which ones are the best for you? Is Allianz travel insurance any good, and are their policies for you? Keep reading to find out what they offer so you can be in the know before you buy.

Whether you're a seasoned or newbie traveler, you've most likely heard of other travelers purchasing travel insurance. 

Since traveling carries many risks, purchasing insurance can be an easy and efficient way to safeguard yourself against anything unexpected or any snafus in your travels. 

Once you know you want to purchase travel insurance, you're met with a host of different providers - how do you know which one to choose? We've reviewed some travel insurance providers and even some travel insurance comparison sites like  InsureMyTrip . Still, we've got another to add to the mix: Allianz. 

Read on to see if they're a good fit for insuring your next travels! 

What is Allianz Travel Insurance?

Before diving into their travel insurance, let's get some background information on Allianz themselves. While they offer comprehensive travel insurance, that's not the only thing they do. As a German financial service management company, Allianz specializes in multiple areas of insurance for both corporations and individuals. Founded in 1890, the company has only continued to grow and expand within its services and around the world. 

Allianz Travel Insurance

As such a global company, Allianz is a big name in the travel insurance industry, frequently offering comprehensive packages at reasonable prices, but what does that mean for you as a traveler? Allianz policies offer different levels of coverage. Generally, Allianz's travel insurance policies will cover trip cancellation, emergency medical and associated expenses, missed departures, trip delays, and legal expenses. You can upgrade policies for more coverage. 

Policies and Packages

Allianz offers  single trip ,  annual , and backpacker policies, so you can choose the one that best fits your upcoming travels. With the single trip and annual policies, you can choose between bronze, silver, or gold packages. 

Each type of package offers different coverage levels, with bronze covering the least but most affordable to gold covering the most but pricey. The  backpacker policy  covers explicitly with and without skis as their different coverage levels. 

No trips are the same. Allianz will give you a quote before you commit to any of their plans to make sure you're tailored with the best plan/pricing suitable for you. 

Using Allianz online tool, you can fill out the following information that gives them a better idea of the kind of trip you'll be taking:

• What kind of trip (single, multi-annual, backpacking, business, etc…)
• Number of travelers
• Trip start and end date.
• Birthdate(s) of all travelers.
• Destination (up to three countries).

This will then give you a quote you can use to determine which level of coverage you want and whether Allianz insurance is within your travel budget!

Allianz Covid-19 insurance

One of the emerging reasons travelers rush to purchase travel insurance is the Covid pandemic. With restrictions ever-changing and testing requirements still existing, it's not out of the realm of possibility for Covid to derail your travels. 

Keeping with the times, Allianz does have a decent  Covid-19 policy  that outlines what it does and doesn't cover. In some circumstances, like if you need to cut a trip short to care for a loved one who has Covid, you will have to provide written documentation to receive compensation. 

Allianz Travel Insurance Reviews

Sometimes the best way to gauge whether a travel insurer is right for you is to hear about it from other travelers. On Trustpilot, Allianz travel insurance reviews holds a rating of 4.2/5 stars, with 84% of the reviews being "excellent." Many recent reviews speak to a lack of customer service and difficulties in filing their claims, with long waits to hear back from anyone at Allianz. 

Filing a claim with Allianz

If you need to file a claim after your travels, you can do this a couple of ways. 

You can use the  online form ,  which will require inputting all the information about your policy and details about why you're filing a claim. You can also email their travel email to receive the forms and then mail them off to file a claim. Keep in mind that their travel email also varies by country, so you'll need to retrieve the local email from which you've purchased your policy.

Contact information

Even though travel insurance can be pretty straightforward, that doesn't mean there won't be many situations where you'll need help. Contact details for Allianz travel insurance policies will vary from country to country, so make sure you look up your local contact number! 

If you're in the US, you can contact Allianz using  this online form  or reach out to them by calling 1-866-884-3556.

Is Allianz worth it?

Travel insurance is always recommended, but should you be using Allianz? 

Overall, they offer policies at multiple price points and cover a fair amount of travel "what ifs." Still, lately, their customer service and claim approval rates haven't been what they were late. It's not the perfect travel insurance, but no travel insurance will be 100% perfect with ever-changing travel requirements.

If you find their policy to cover everything you'll need for your trip, you can try Allianz travel insurance!

Our review: 3.8/5 

• Comprehensive policy for all types of travelers.
• Three coverage levels at three other price points
• Robust Covid-19 policy.
• Hard to reach customer service
• Poor or slow refund process.
• Complicated policies communicated poorly to the public.

Planning for success is free insurance!

Whether you opt to use Allianz or use a different provider like  Safetywing , or  InsureMyTrip , it's always worth the peace of mind to have travel insurance when you head off on your adventures. 

You'll want to research which provider offers the best coverage for you as a traveler and which one best fits your budget. Still, Allianz is definitely a well-known name in the travel insurance game!

The first and free insurance you can have is to plan for everything on your trip. That way, when things go wrong, your travel plan can redirect you without you having a panic attack. For that, we recommend Pilot!

Plan your trip with Pilot!

Start planning your trip with Pilot now!

Disclosure : Pilot is supported by our community. We may earn a small commission fee with affiliate links on our website. All reviews and recommendations are independent and do not reflect the official view of Pilot.

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Allianz Travel Insurance Review (2024)

Learn about Allianz travel insurance to find out if it’s right for you. We compare the cost, customer reviews and policy options offered by Allianz.

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Allianz Travel Insurance, from Allianz Global Assistance, offers popular insurance products, and it’s our pick for business travelers. Allianz is a popular choice among business travelers due to its AllTrips Executive travel insurance policy with coverage for lost, stolen or damaged business equipment and rental car insurance.

Earning 4.1 out of 5 stars , our expert reviewers think Allianz is a great choice for international travel insurance.

Our Thoughts on Allianz Travel Insurance

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad. This service includes help with hotel and flight re-bookings, stolen travel documents, medical care arrangements and more.

Allianz scored highly in the customer service and reviews section of our methodology. Along with 24-hour assistance and concierge services, it offers a mobile app and various ways to file a claim, according to our research. However, Allianz does not offer cancel for any reason (CFAR) coverage with any of its plans, an add-on that many other companies we’ve reviewed feature. It’s also one of the pricier providers we’ve gathered quotes for, so if you’re looking for a budget plan, Allianz may not be a good fit.

According to our survey of 1,000 people who have purchased travel insurance, 16% went with Allianz. Of those customers, 93% said travel insurance is worth the cost, with most citing peace of mind or financial protection as the reason.

Pros and Cons

How allianz scored in our methodology.

When we analyzed Allianz using our travel insurance ratings methodology, the company scored 4.1 out of 5 stars . The provider lost points in all categories except for coverage details and customer service and reviews and was awarded zero points for not offering cancel for any reason (CFAR) coverage.

Compare Allianz to the Competition

Use the table below to compare average plan costs, “Cancel For Any Reason” (CFAR) coverage and COVID-19 coverages of all our top travel insurance providers to Allianz Global Assistance:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Allianz v. Seven Corners

When compared, Allianz and Seven Corners present different benefits. Seven Corners’ Trip Protection Choice plan is almost 33% cheaper than the Allianz OneTrip Premier plan, and it offers $500,000 in medical expense coverage versus Allianz’s $75,000. However, Allianz provides higher benefits for lost baggage and baggage delay coverage.

See the table below for a comparison of similar plans offered by Allianz and Seven Corners.

Read our Seven Corners Travel Insurance Review to learn more.

Allianz vs. Generali Global Assistance

Generali Global Assistance’s Premium plan costs slightly less than Allianz’s OneTrip Premier plan while providing more than double the medical expense coverage. Generali also provides 175% trip interruption coverage versus Allianz’s 150%. However, Allianz offers higher baggage delay and trip delay benefits.

Compare similar plans from Allianz and Generali Global Assistance using the table below.

Check out our Generali Global Assistance Travel Insurance Review to learn more.

What Does Allianz Travel Insurance Cover?

Allianz offers basic travel insurance with its OneTrip Basic plan and the coverage compares favorably to other providers. It’s marketed as a plan to fit your budget with essentials covered to offer peace of mind. Here are the insurance coverage limits offered by the Allianz OneTrip Basic plan:

• $10,000 of trip cancellation costs
• $10,000 of trip interruption costs
• $10,000 for emergency medical
• $500 for emergency dental expenses
• $50,000 emergency medical transportation
• $500 baggage damage/loss
• $200 baggage delay
• $300 travel delay

Allianz travel insurance coverage extends to other policies to suit a wide variety of travelers looking for a basic plan.

• OneTrip Emergency Medical: This affordable plan doesn’t include trip cancellation or trip interruption benefits. However, it offers emergency medical coverage up to $50,000 and travel accident coverage up to $10,000, among other benefits.
• AllTrips Basic: A more comprehensive plan that provides year-long protection for one low rate. It includes travel delay coverage of up to $600 and emergency medical coverage up to $20,000, along with baggage coverage of up to $1,200.

Optional Riders

Add-ons, also known as insurance riders, are travel insurance options you can add to a policy to increase your coverage. Allianz offers optional trip protection designed to safeguard you from financial losses regarding specific risks or activities.

• Hazardous Sports Travel Insurance: This add-on covers costs associated with certain activities, including deep-sea fishing, skateboarding and wall climbing. Other benefits include trip cancellation coverage for ski vacations of up to $500 and reimbursement of up to $300 for damaged, lost or stolen ski equipment.
• Terrorism Extension Cover: Covers loss, damage or injury in the event of an act of terrorism to you as an innocent bystander of up to $100,000.
• Cancel Anytime: Available with premium policies such as OneTrip Premier, this optional upgrade of cancel for any reason (CFAR) coverage reimburses 80% of non-refundable costs if you cancel your trip for reasons your standard plan may not cover.
• OneTrip Rental Car Protector: This rental insurance product provides coverage for rental car damage with collision, loss and damage up to $50,000. It also includes 24-hour emergency assistance.
• Required to Work: This add-on, which is included with the OneTrip Prime policy, provides trip cancellation and trip interruption coverage for work-related emergencies.

Policies Offered

The chart below outlines the travel insurance policies offered by Allianz to help you compare plan details and coverage limits.

Cost of Allianz Travel Insurance

According to our research, the average cost of Allianz is $275.

The cost of travel insurance depends on a range of factors, including your age, the destination and pre-existing medical conditions you may have. To help you understand costs when you get a quote, we gathered some samples from the Allianz website.

Use the chart below to compare Allianz's average cost to competitors:

Does Allianz Offer 24/7 Travel Assistance?

Allianz Global Assistance offers 24/7 travel assistance via a multilingual team for all travel insurance plans. The team helps travelers with issues pertaining to policy covered reasons for requiring help. This includes, but isn’t limited to, medical care arrangements, hotel and flight re-bookings and stolen travel documents.

Allianz Customer Reviews

Our research team considers customer reviews and ratings when formulating a company's overall score. At the time of this review, Allianz held a 4.4 out of 5-star rating on Trustpilot. To better understand what consumers like and dislike about Allianz, we read the most recent customer reviews featured on Trustpilot.  

What Customers Like

• Excellent customer service: Several customers were impressed with the company’s kind, helpful and professional customer service agents. This reviewer , in particular, stated that their local travel agent highly recommended the company.
• Quick claims processing: Many reviewers noted an immediate company response to their claims, along with a timely review and reimbursement.
• Easy enrollment process: New policyholders, such as this one , praised Allianz’s easy and straightforward enrollment process when purchasing a policy.

What Customers Don’t Like

• Frustrating claims experience: While many customers were pleased with their claims experience, some reviewers spoke of waiting months to receive reimbursement.
• Denial of claims: Several customers noted they had all the proper documents for a claim as outlined in their policy terms, yet were still denied.
• Confusion around payment: Several policyholders noted that they requested direct deposit for claims payment and received a check in the mail instead.

We reached out to Allianz for comment on its negative customer reviews and received a response from Daniel Durazo, director of external communications for Allianz Partners USA.  

“Allianz Travel Insurance is a customer-focused insurance company that works hard to provide products and services that meet the changing needs of consumers,” he said. “The company is proud of its 4.4 rating on Trustpilot and has received multiple awards for outstanding customer service. While insurance claims do take some time to process, the average time from claim receipt to approval is 17 days, and half of all claims are approved within six days.”

How To File a Claim with Allianz

You can file a claim with Allianz Global Assistance online on the File a Claim page or in the TravelSmart app . Alternatively, call 1-866-884-3556 for 24/7 assistance. Provide your policy number, departure date, and policy type, and the Allianz website will guide you through the process. You’ll need supporting claim documents—the Allianz website has the required documents for each type of claim.

The process is straightforward, but they also have a video to demonstrate how to file a claim . You can monitor the status of existing claims in the app or online.

Is Allianz Travel Insurance Worth It?

Allianz is a good option for travelers since it offers a broad range of travel insurance policy options to suit almost anyone. From the OneTrip Basic Plan to the AllTrips Premier Plan, each policy provides sufficient coverage for emergency medical and trip cancellations while catering to different budgets and types of trips. All policies offer a high level of emergency assistance with 24/7 access to company support.

The AllTrips Executive Plan is well suited to business travelers, with coverage for business and rental equipment included. For all travelers, a choice of optional policy upgrades is useful, including CFAR and OneTrip Rental Car Protector. You can speak to a representative to help you understand which plan is right for you. Whichever policy you choose, Allianz offers affordable safeguards for your travels.

Read More: Travel Insurance For Parents Visiting The USA

Frequently Asked Questions About Allianz Travel Insurance

How does allianz travel insurance work.

Allianz travel insurance reimburses you for financial losses covered by your policy, once you’ve filed and received approval for a claim. Depending on the policy chosen, travel insurance helps to recoup costs from trip cancellations, delayed baggage, medical emergencies and damaged valuables. Policy upgrades and access to 24/7 assistance are available with Allianz travel insurance.

Is Allianz a reputable company?

Yes, Allianz is a reputable company. Allianz, the parent company of Allianz Global Assistance, has a history that spans more than 100 years. Partners across the world include travel agencies, airlines and credit card companies. According to Allianz, approximately 55 million travelers use its services.

How much do Allianz travel insurance premiums cost?

The price of Allianz travel insurance depends on factors such as the cost of your trip, how long you’re traveling for, your age and pre-existing medical conditions you may have. Based on sample quotes we pulled for a $4,000 trip to Spain for two weeks, it would cost $134 to insure a 40 year-old New York resident under the OneTrip Basic Plan.

We recommend you request a free quote on the Allianz website to check rates and compare options before buying travel insurance.

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Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

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At ConsumersAdvocate.org, we take transparency seriously.

To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in Travel Insurance:  Travel Guard Insurance ,  Allianz Global Assistance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth ,  John Hancock , and  Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

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• Travel Insurance
• Allianz Global Assistance Review

Allianz Global Assistance Travel Insurance Review

The following companies are our partners in Travel Insurance: Travel Guard Insurance , Allianz Global Assistance , Travelex , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , John Hancock , and Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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Allianz Global Assistance offers a variety of different standard and personalized plans at various benefit levels. Depending on which plan you choose, benefits may include:

• Trip Cancellation
• Trip Interruption
• Cancel anytime, up to 80%: Only available in conjunction with the OneTrip Prime or Premier.
• Emergency Medical Transportation
• Emergency Medical / Dental
• Lost / Stolen / Delayed Baggage
• Travel Delay
• Change Fee Benefit
• Loyalty Program Redeposit Fee Benefit
• Rental Car Damage Benefit
• 24-Hour Hotline Assistance
• Concierge Services

Single trip

Annual (multi-trip) plans

Allianz Global Assistance's opening price point plans include the most common types of coverage purchased by travelers. While it does not have the high coverage limits included with more expensive plans, it does provide pre-existing medical condition coverage. Plan benefits and limits may vary by state. 

SINGLE TRIP PLANS

* Must be purchased within 14 days of the first trip deposit; additional conditions may apply.

Annual (Multi-Trip) Plans

Optional: Rental Car Damage ($11/ day)

Coverage for covered collision, loss and damage up to $50,000

Allianz Global Assistance has a wide array of standard and optional benefits so travelers can get the specific protection they need. Pre-existing conditions are covered under the company's medical provisions if the plan is purchased within 14 days of travel. Allianz Global Assistance also offers 24-hour emergency assistance and concierge services.

• Complete cessation of service
• Covered traveled delay – loss of 50%
• Death of Family Member
• Death of insured
• Death of travelling companion
• Employer termination – 3 years
• Felonious assault
• Foreign and domestic terrorism
• Home uninhabitable
• Illness of family member
• Illness of insured
• Illness of travelling companion
• Injury of family member
• Injury of insured
• Injury of travelling companion
• Involved in a traffic accident
• Jury/ subpoena
• Military obligations
• Unable to receive immunizations

Allianz Travel Insurance Summary

Allianz opening price point plans offer travelers the most commonly purchased coverage options. Trip cancellation and interruption services are offered even under its OneTrip Cancellation Plus, the company's entry level offering. Trips are insured up to their full purchase price. The company extends protection to children under 17 when accompanied by a paying adult with no additional cost on their OneTrip Prime and OneTrip Premier plans. 

Allianz offers customers a full refund if coverage is cancelled within fifteen days of purchase.

Allianz’s satisfied customers describe how much they appreciate the company’s help with serious overseas medical situations. Negative comments generally come from people unhappy because the company’s contract didn’t apply to their claims. Those comments reinforce the importance of reading and understanding insurance contracts before purchasing them. This is particularly important in less-regulated insurance markets (such as travel insurance) where there is no “standard” policy.

Customer Comments

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• Trip cancelations, delays, medical emergencies, lost baggage, unexpected crises, and more

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Quick claim payments for qualifying delays

24-7 emergency assistance services

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Suggested Comparisons

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Allianz Global Assistance Travel Insurance Review 2024

Updated: Jan 8, 2024, 12:52pm

Allianz Global Assistance offers comprehensive emergency medical insurance coverage with higher limits than other travel plans at an affordable price point. However, while Allianz may be a well known travel insurance brand, its plan offerings are a bit lacklustre compared to other providers.

• Generous emergency medical coverage
• Three simple plans
• Higher medical limits than other plans
• Affordable premiums
• Not able to customize coverage
• Maximum age for coverage is 84 years old
• No coverage upgrades or add-ons
• No CFAR coverage

Table of Contents

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Allianz Global Assistance has been providing travel insurance to Canadians for over 30 years. As part of Allianz Partners, one of the world’s largest insurance and assistance companies, Allianz Global Assistance has operations centres in 44 countries around the world with a network of over 900,000 medical providers. In 2019, the company handled 725,000 medical cases and arranged 17,200 repatriations.

The company’s travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

Here are the key types of travel insurance coverage offered in Allianz Global Assistance travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions cause a massive delay or you lose your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. It can also cover hotel stays and meals if your trip is delayed. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

There are three plans offered by Allianz Global Assistance for Canadian residents travelling outside of Canada:

Medical + Cancellation Plan: This option provides a package of all available benefits offered by Allianz Global Assistance, including emergency medical, trip cancellation, interruption and delay, lost, stolen or delayed baggage, flight and travel accident coverage, and more.

Coverage for emergency medical treatment includes:

• Hospital accommodation in a semi-private or private room
• Service of a physician, surgeon, anaesthetist or registered nurse
• Private duty nursing, up to $10,000
• Paramedical services from a chiropractor, osteopath, chiropodist, podiatrist, acupuncturist or physiotherapist, up to $600 per profession
• Lab tests and X-rays
• Air, land or sea ambulance
• Rental of crutches or a hospital-type bed and the cost of splints, trusses, braces or other prosthetic devices
• Emergency outpatient services
• Drugs or medication for your medical emergency, up to a 30-day supply
• Emergency dental treatment due to a blow to the face, up to $4,000
• Emergency dental treatment due to pain, up to $500

Medical coverage also covers the cost to transport up to two bedside companions if you are hospitalized, the cost to return home if medically necessary (this includes a travelling companion or family member), as well as baggage return and pet return. If your return home is delayed due to a medical emergency, this benefit covers meals and accommodations.

Medical Plan: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above.

Cancellation Plan: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, or delay your trip due to a covered reason. This benefit also provides baggage insurance, flight accident coverage and accidental death and dismemberment coverage.

We’ve highlighted the key benefits for each coverage option available for the single trip plan when travelling outside of Canada to help you identify which is the best fit for you.

The price of an Allianz Global Assistance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Allianz Global Travel Assistance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $500

Related: TuGo Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Review

Allianz Global Assistance does not offer any optional add-ons, upgrades or endorsements.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Allianz Global Assistance offers an Annual Medical Plan for 10 days or 30 days. These day limits can be extended for any single trip during the year.

This policy does not include trip cancellation and interruption coverage.

Here’s how the prices between single trip and multi-trip insurance compare for the Medical Plan.

Allianz Global Assistance travel assistance is available 24/7, 365 days of the year. Depending on the coverage provided by your insurance policy, emergency services may include:

• Referral to a nearby medical provider
• Arrangement for direct billing to medical providers, if possible
• Monitoring the status of your medical case
• Communicating with you, your family, physician, travel supplier and/or consulate
• Coordinating emergency medical transportation to the nearest appropriate medical facility
• Escorting and transporting home stranded dependent children and/or extended family members or friends while you are in hospital
• Repatriation to your home province for continuing care once your emergency is stable
• Return of your remains should you die while on a trip
• Emergency cash transfers between you and your friend, family member, business or credit card company
• Emergency message services from or for you
• Help replacing lost or stolen airline tickets
• Facilitating contact with a local attorney or consular office if you are arrested or detained, or require legal help

If a medical emergency happens while you are on your trip, you or someone acting on your behalf must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any surgery is performed. If you do not contact Allianz Global Assistance, you will be responsible for paying 20% of the claim. Also, some services, such as private duty nursing or the purchase of medical appliances, require advance approval by Allianz Global Assistance.

Allianz Global Assistance also provides non-emergency trip services, such as:

• Passport and visa information
• Health hazards advisory
• Inoculation requirements
• Weather information
• Currency exchange information
• Consulate and embassy locations

Allianz Global Assistance offers the free TripWise app to help you navigate emergency situations while you are away from home. The app provides access to:

• Flight status: Track any flight within three days for delays or changes
• Hospital search: Use the GPS locator to find an accredited, local hospital at your destination
• Prescription and first aid terms: Use the medical dictionary with internationally-recognized names of common prescription medication, or translate popular first-aid terms in over 15 languages
• Country information: Get real-time travel alerts and security information for over 195 destinations

Allianz Global Assistance will not pay medical expenses related to any medical condition that is not stable for a set period of time, either 90 or 180 days (depending on your age), before your coverage takes effect.

A medical condition is considered stable when all of the following are true (with some exceptions):

• There has been no new treatment
• There has been no change in treatment or change in treatment frequency or type
• There have been no signs or symptoms or new diagnosis
• There have been no test results showing deterioration
• You have not been hospitalized
• There has been no referral to a specialist and you are not awaiting surgery or the results of investigations performed by any medical doctor

In addition, Allianz Global Assistance has a number of age- and condition-specific exclusions, including:

For policyholders aged 59 and younger, benefits are not payable due to:

• Any medical condition that was not stable during the 90 days before your departure date
• Any heart condition if you have used nitroglycerine during the 90 days before your departure date
• Any lung or respiratory condition if you have a prescription for or used home oxygen or prednisone in the 90 days before your departure date
• Any cancer if you have received treatment in the 90 days before your departure date (with some exceptions)
• An unrepaired aneurysm of 4 cm or greater diagnosed before your departure date

For policyholders aged 60 and older and you were not required to complete a medical questionnaire, benefits are not payable due to:

• Any medical condition that was not stable during the 180 days before your departure date
• Any heart condition if you have used nitroglycerine during the 180 days before your departure date
• Any lung or respiratory condition if you have a prescription for or used home oxygen or prednisone in the 180 days before your departure date
• Any cancer if you have received treatment in the 180 days before your departure date (with some exceptions)

For policyholders aged 60 and older and you were required to complete a medical questionnaire, benefits are not payable due to:

• Any medical condition that was not stable during the 90 or 180 days before your departure date
• Any medical condition for which you received treatment at any time before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are exclusions to all coverages provided by Allianz Global Assistance travel insurance:

• Your mental or emotional disorder for which there has been new treatment or a change in treatment in the 90 days before departure
• Your suicide, attempted suicide or self-inflicted injury
• Loss incurred during an illegal act
• Intoxication from or chronic use of alcohol or prohibited drugs or other intoxicants
• Non-compliance with prescribed treatment included misuse of medication
• Injuries due to training for, competing in or participating in motorized speed contests, stunt activities, high-risk activities, mountain climbing or rock climbing
• Travelling against the advice of a physician
• Any sickness or injury where there is an active travel advisory and the sickness or injury is due to the reason for the warning
• Any act of war, kidnapping, terrorism, riot, strike or civil commotion, unlawful visit or nuclear occurrence

To be eligible for insurance with Allianz Global Assistance, the following must apply:

• You are a Canadian resident who is at least 15 days old but no more than 84 years old.
• You are not travelling for more than 60 days.
• You have completed the medical questionnaire and qualified for coverage if you are between ages 60 and 69 and are travelling for more than 30 days, or
• You have completed the medical questionnaire and qualified for coverage if you are between ages 70 and 84 and are travelling for any length of time.
• You are insured for benefits under a Canadian government health insurance plan during the entire policy period.

You can file a claim 24/7 by accessing the online Claims Portal where you can create an account, upload and access all documents, identify any documents you may have missed and check the status of your claim. Claims can be submitted online for non-medical benefits including trip cancellation and interruption, flight delay and lost or delayed baggage, as well as out-of-pocket medical expenses.

In the case of a medical emergency, once you contact Allianz Global Assistance (before seeking treatment) and your case file is opened, you have the option to continue completing your claim through the online Claims Portal.

In addition to your claim form, you may be asked to provide:

• Receipts from commercial organizations for all medical costs incurred and itemized accounts for all medical services
• Any payments made by any other insurance plans
• Supporting medical documentation
• Unused travel documents or tickets
• A police report or incident number for claims due to theft

Claims must be reported within 30 days of the occurrence and proof of claim must be submitted within 90 days of the occurrence.

Allianz Global Assistance Travel Insurance FAQs

Does allianz global assistance pay for medical costs upfront.

According to the company, Allianz Global Assistance manages a network of over 900,000 medical providers worldwide and will “arrange payment on your behalf whenever possible.”

Does Allianz Global Assistance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay beyond your control, as long as your policy has not expired. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. If your return home is delayed due to a medical emergency that makes you or your travelling companion unfit to travel, your coverage will be extended for up to five days.

If you would like to extend the length of your trip once you have already left home, you can apply for a new term of coverage if your policy hasn’t yet expired, you are in good health and you have no reason to seek treatment. If you have incurred a claim, Allianz will review your file before granting an extension.

Does Allianz Global Assistance require a medical questionnaire?

Yes. A medical questionnaire is required for travellers who are aged 60 to 69 and travelling for more than 30 days, and travellers who are aged 70 to 84 travelling for any length of trip.

Does Allianz Global Assistance have any age restrictions?

Yes. Travellers must be at least 15 days old and under 85 years of age.

When does my coverage with Allianz Global Assistance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Allianz Global Assistance?

A full refund will be provided for policies that are returned within 10 days of purchase as long as you have not left on your trip and have not made a claim. After the 10-day period, the policy is non-refundable.

Does Allianz Global Assistance offer a free look period?

Yes. Allianz Global Assistance gives you 10 days after purchase to review and cancel your contract if you’re not satisfied with it, as long as you have not left on your trip and have not experienced any event that would cause you to submit a claim.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• A sense of urgency or attempt to rush, scare, or entice you.
• A strange web address (URL) when you hover over the link in the email.
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Known email scams

• Counterfeit Allianz investment product materials to entice individuals to invest in a non-existent bond product. This activity is completely unaffiliated with Allianz.
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What to look for in phone and sms scams.

• Someone contacting you to confirm your personal information.
• Someone contacting you to ask you to provide urgent payment.
• Mobile text messages with suspicious links.
• Mobile text messages or phone callers detailing a consequence or threat, if you don’t undertake the action they are telling you to do.

Known phone and SMS scams

• A text message asking you to make a payment (for example, $200) to avoid debt recovery action being taken. It may include generic details about your place of work or products you’ve bought such as Allianz insurance. The text message will ask you to click a link or call a number not associated with us.
• To verify and update your details or your policy will be cancelled.
• For access to your computer.
• For your bank details, personal information, or your password.
• For you to download an application on your mobile phone, tablet or computer.
• To transfer a payment in order to prevent consequences such as debt recovery, cancelled policies or cancelled pay-outs.

Repairer scams 

What to look for in repairer scams.

• Unknown people or repairers contacting you to discuss your claim, where you’re unsure if they’re from Allianz.
• Documentation authorising repairs, storage, quotes, or other information related to the repair of your vehicle.
• Incorrect website or phone contact information for Allianz.

Additional repairer claims information

We can recommend one of our Selected Repairers at the time a claim is lodged as they offer fast, high-quality service, or you can always choose your own repairer. We may also agree to pay you the reasonable cost of repairs, or the cars agreed, or market value, at our discretion.

Known repairer scams

• Third-party businesses asking customers to sign documents to give repairers a right to charge for storage costs, administration fees, and other items customers may not be entitled to under their insurance policy.
• Third-party businesses are misrepresenting themselves as Allianz in search engine results and can appear in search engines (such as Google) against search terms such as “Allianz claims” or “Allianz car insurance claims”. These links suggest they can assist customers with lodging claims, however, the number provided connects customers to a non-Allianz call centre or website where they’re prompted to divulge personal information. We strongly recommend customers check the details of the website they’re clicking on and only click on links containing the official Allianz domain . Some recent examples of these scams include:

Your privacy is important

It’s common for scammers to use a technique called social engineering to find your personal information. This means a scammer may search the internet to find personal details about you, then try and use them to contact you and gain your trust.

We don’t disclose your personal information unless legally required to do so. For more information, visit our Privacy Policy .

Legitimate Allianz communications

We may contact you directly to talk about your policy or insurance refund. When we call, we might need to ask you for some information for our verification check so we can confirm we’re speaking to the right person.

If you’re unsure about the caller, or you don’t want to give your information for the verification check right away, you can choose to call us back, so you know you’re talking to us. We’ll never ask you for your passwords over the phone or through any other communication method.

Visit Contact Us to source the number best related to your enquiry.

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Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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Fraudsters editing vehicle photos to add fake damage in UK insurance scam

Insurers report rise in cases of images being manipulated with ‘shallowfake’ technology

A surge in fraud cases in which photos are manipulated to show fake car crash damage is alarming insurers and helping to push motor insurance costs up to record levels.

The insurer Allianz said incidents where apps were used to distort real-life images, videos and documents increased by 300% between 2021-22 and 2022-23, and it added that this had “all the signs of becoming the latest big scam to hit the insurance industry”.

Rival insurer Zurich UK said it was also seeing more and more claims that had been doctored using so-called “shallowfake” technology, and that this was “becoming one of the most emerging threats from a counter-fraud point of view”.

While deepfakes are hoax images, videos or documents typically created using AI , shallowfakes can be created using conventional editing software on a phone and apps such as Photoshop.

Allianz, which includes the general insurance arm of LV= , said in one case an individual had a photo of his van posted on his social media page as part of his business and ended up having a claim pursued in his name for an accident that never took place.

LV= received images of his vehicle from the fraudsters that seemed to show the front bumper had been cracked in the alleged accident, along with a fake repair invoice for more than £1,000.

The LV= fraud team investigated and found the photo was identical to the one on the social media page, except for the fact that the image had been doctored to show the fake damage.

Allianz said the rapidly changing nature of fraudulent activities such as shallowfake technology and the rise of deepfakes “pose big risks to UK consumers”.

Scott Clayton, the head of claims fraud at Zurich UK, said recently that shallowfakes were most prevalent in motor insurance. He highlighted how fraudsters were using image editing software to add fake registration numbers to vehicles that had been written off.

“We have seen an increase in people locating total loss vehicles on salvage agents’ websites and then implanting a registration number on to that car. There are then claims made for that vehicle, and a claims handler assessing this claim would take that at face value – that it is that actual vehicle,” Clayton said.

Zurich said claims that had been completely manipulated using deepfake technology – often involving totally fake engineer reports and repair estimates – were also on the rise.

Clayton said that in the past, criminals who intended to scam insurers with “crash-for-cash” claims needed to physically have vehicles crash into each other. “People can now create a fraudulent claim entirely from behind their computer and extract significant sums of money because these cars are total losses.” he added.

Rising levels of fraud have been one of the factors contributing to higher motor insurance premiums.

This week it emerged that the average price paid for comprehensive motor insurance in the UK was about a third (33%) – or £157 – higher in the first quarter of this year than in the same period in 2023. The data was issued by the Association of British Insurers.

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