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Schnelle Abwicklung und Bezahlung

Ich konnte aufgrund eines Unfalls eine Reise nicht antreten. Schaden gemeldet und 14 Tage später war das Geld auf meinem Konto. Top

Datum der Erfahrung : 26. März 2024

Versicherung bei AWP P&C S.A. (Allianz Tochter)

Versicherung bei AWP P&C S.A. Zweigniederlassung CH: Annullation infolge Krankheit: Die Versicherung meiner Partnerin hat den gleichen Schaden (Sachverhalt) innert drei Wochen reguliert (Hanse Merkur). Die Allianz Tochter macht auf Hinhaltetaktik, obwohl die Unterlagen vor 42 Tagen eingereicht wurden. Gemäss Gesetz VVG 41 hätte der Versicherer max. 4 Wochen Zeit den Schaden zu regulieren. Diese Versicherung steht über dem Gesetz. Werde Vertrag kündigen. A. Lautenschlager

Datum der Erfahrung : 20. November 2023

Obwohl in der Versicherungspolice…

Obwohl in der Versicherungspolice angeben ist das man eine Entschädigung bei Verspätung ohne Belege des Reiseantritts in der Höhe von Max. 200 Euro bekommt. Nein man muss es dann doch genau mit Belegen für Essen, Unterkuft und Taxi belegen. Da ist die Policebeschreibung mehr als bescheiden. Raus geschmissenes Geld für diese Versicherung.

Datum der Erfahrung : 24. Mai 2023

Unkomplizierte Erstattung

Musste letzte Woche 1 Tag vor Abreise aufgrund von Krankheit Reise stornieren. 2 Tage später lag ich im Krankenhaus und war 3 Tage dort. Per App konnte ich alle Unterlagen (von Airline, Krankenhaus, AU, Eintrittskarten) einreichen, nach 3 Tagen wurde Auszahlung bestätigt. Top! Jederzeit wieder.

Datum der Erfahrung : 25. November 2022

Jahrespolice ziemlich nutzlos

Wenn man eine Jahrespolice mit einer Versicherungssumme abschließt und davon ausgeht, dass man dann Schäden bis zu dieser Summer erstattet bekommt, hat man sich gewaltig geirrt. (Wenn man zu den Leuten zählt, die sich jeden kleingedruckten Satz der Versicherungsbedingungen durchlesen, kann man das natürlich vermeiden) Ist der Reisepreis höher als die Versicherungssumme, gilt dann Paragraf 75 VVG. Konkret bedeutet das: Man hat jahrelang Beiträge bezahlt bis man man einen Schaden hat und stellt dann fest, dass das Geld praktisch zum Fenster rausgeworfen ist. Mit anderen Worten: Die Versicherung ist ein gutes Geschäft für die Allianz aber quasi wertlos für die Kunden.

Datum der Erfahrung : 21. März 2023

Wie immer, viele Worte , nichts passiert!

Sehr geehrte Frau Antje. Wie von mir in unserer Korrespondenz zu meinem Problem vorausgesagt hat sich nichts getan. Weder wurde mit mir in irgendeiner Form Kontakt aufgenommen noch hat sich am Zustand der seit Monaten anhält und den ich seit Monaten mit unzähligen Mitarbeitern ihrer Versicherung diskutiere etwas geändert . Würde ich es können, würde ich mich Fremdschämen. MfG. K. Zobel

Datum der Erfahrung : 11. September 2022

Nicht empfehlenswert!

Ich war im August im Urlaub, war dort Covid positiv und warte seitdem auf die Rückerstattung der Flugkosten, Hotelquarantänekosten, etc. Am Telefon wird einem versichert, dass alle Formulare richtig ausgefüllt sind und das Geld in einer Woche da ist - es ist jedoch nicht da; sondern ein Brief mit neuen Fragen, die in den letzten Formularen allerdings schon geklärt worden sind! Nie wieder!

Datum der Erfahrung : 11. April 2022

In der Hotline 30 Minuten hängen, denn die Versicherung wird nicht automatisch auf neue Plattform migriert - 100€ im Jahr für kein Nutzerkonto, top. Ich höre förmlich wie sehr es die Mitarbeiterin hasst, dass ich sie jetzt gerade störe… Kiloweise Dokumente hochladen, aber auch das funktioniert nur so halb - selbst wenn man vorher alles in kleine pdfs gepackt hat. All das hab ich noch hingenommen, aber der BRIEF! dass die Bearbeitung ZEHN! Wochen dauert ist das Höchste. Der gleiche Schaden wurde bei meinem Partner übrigens innerhalb von 5 Tagen mit Hilfe von 4 Screenshots beglichen.

Datum der Erfahrung : 15. Juli 2022

Habe Allianz Travel über die Website…

Habe Allianz Travel über die Website für 1 Jahr gebucht. In den AGB's wurde versteckt geschrieben dass die Versicherung ohne zu fragen um 1 Jahr verlängert wird. Bei der Hotline wurde auf mein Kündigungswunsch gar nicht eingegangen. Einfach ein No-Go. Werde niemehr mit Allianz geschäfte machen. Die behandeln Kunden wie Dreck.

Datum der Erfahrung : 28. Juli 2022

Wenn Sie Hilfe brauchen - versichern Sie sich woanders!

Seit 10 Wochen warte ich auf eine Bearbeitung meines Versicherungsfalles. Gut, andere warten viel länger.... Hilfe oder gar Geld? niemals. Nur die üblichen Ausreden: Corona - völlig überraschend nach über 2 Jahren... Den Hinweis auf die Beschwerdestelle habe ich tatsächlich ernst genommen. Die Kollegen werden sich spätestens nach 3 Tagen melden. Eine Lachnummer, die einem im Halse stecken bleibt. Über 3 Wochen keine Reaktion. Also, vergessen Sie die Allianz Travel Versicherung. Suchen Sie sich eine andere Versicherung. Mit viel Glück: Da werden Sie geholfen...Ich wünsche es Ihnen. Update 05.09.2022. Keine Reaktion von Allianz. Auch nicht von der Beschwerdestelle. Vergessen Sie Allianz Versicherungen - am besten für immer! 16.09.2022: Keine Reaktion! Am 21.09.2022 alles überwiesen. 13 Wochen. Mein Geburtstagsgeschenk. Danke. Allen anderen viel Geduld.

Datum der Erfahrung : 27. August 2022

Bei dieser Versicherung Wartet man…

Bei dieser Versicherung Wartet man länger auf eine Antwort als auf die Erstattung der Flugesellschaften. Telfonisch hängt man min 20min. in der Warteschleife. Keine Angabe zu Bearbeitungsterminen. Und das bei sehr hohen Preisen für die Versicherung. Danke Allianz für gar nichts... Nächstes Mal versuche ich es vielleicht woanders!

Datum der Erfahrung : 13. Oktober 2022

Allianz Travel … NIE WIEDER!

Auch ich kann nur abraten von dieser Reiserücktrittsversicherung! NIE WIEDER! Mein Bruder und ich mussten wegen eines schlimmen Sturzes unserer Mutter, 4 Stunden vor Abflug unseren Urlaub stornieren. Mein Bruder (hatte Versicherung bei einer anderen Firma) bekam nach 3 Wochen sein Geld zurück. Ich warte jetzt seit Mai auf die Bearbeitung meines Anspruchs! Bekam 3 Wochen nach Einsendung aller Papiere, eine automatisch erstellten Brief mit der Ansage, dass man Geduld haben müsste, denn aufgrund vieler Stornierungen, würde die Bearbeitung leider 8 - 10 Wochen dauern. In der 12. Woche nach gefühlt stundenlangem Hängen in der Warteschleife, bekam ich die Info, dass ich noch warten müsste. Inzwischen sind es 17 Wochen ohne jegliche Bearbeitung! Heute war ich bei einem Allianz Vertreter und hab ihm mein “Leid geklagt”, aber auch er kam leider nicht weiter, was ihm wohl auch recht peinlich war.

Datum der Erfahrung : 02. September 2022

Nie wieder Allianz Travel

Ich kann mit meiner Familie nur abraten von einer Reiseversicherung bei der Allianz Travel. Solange kein Schadensfall zustande kommt, ist alles in bester Ordnung. Eines unserer Kinder bekam unerwartet ein Virusinfekt, woraufhin wir eine ärztliche Untersuchung in Anspruch nehmen mussten. Da diese im europäischen Ausland erfolgte, war diese auch mit Kosten verbunden. Nachdem ich nun zweimal die Allianz Travel inkl. zugesendeter originaler Belege per Einschreiben um Rückerstattung bat, warte ich noch heute auf jegliche Rückmeldung oder Rückerstattung. Kein zweites Mal werden wir irgendeine Versicherung mit der Allianz Travel abschließen.

Datum der Erfahrung : 06. Mai 2022

Ewig lange Bearbeitung einer einfachen…

Ewig lange Bearbeitung einer einfachen Ticketversicherungs-Erstattung. Nach finaler positiver Bestätigung einer Auszahlung in den nächsten Tagen!! ist nach Wochen immer noch kein Geldeingang verbucht! Werde nie wieder eine solche Versicherung abschließen! Und ein telefonischer Kontakt ist unmöglich. Man hängt nur stundenlang in der Warteschleife und es wird auf ein Online-Kontaktformular verwiesen. Verwendet man dieses, erhält man frühestens eine Woche später eine Antwort, dass man sich gedulden möchte und die Bearbeitung aufgrund eines hohen Arbeitsaufkommens sich verzögert! Es ist unglaublich, dass man keinen direkten Kontakt aufnehmen kann 🤬

Datum der Erfahrung : 08. August 2022

Mein Mann erlitt auf einer Kreuzfahrt…

Mein Mann erlitt auf einer Kreuzfahrt einen Schlaganfall, kam in Antigua ins Krankenhaus. Meine Tochter und ich mussten mit von Bord. Erste Kontaktaufnahme mit der Versicherung war super. Nach 3 Tagen kam der Vorschlag ihn auf einen normalen Flug mit 2mal starten und Landung ausfliegen zu lassen und dann von Paris mit den Krankenwagen 10 Stunden ins Krankenhaus zu bringen. Die Ärzte in Antigua lehnten dies absolut ab. Nur ein Airambulanceflug wäre das Richtige. Dies lehnte die Allianz jedoch ab. Der Gesundheitszustand meines Mannes verschlechterte sich jeden Tag, neben einen Lungentzündung kollabierte noch der rechte Lungenflügel. Mittlerweile brauchte er auch schon sehr viel Sauerstoff. Auch jetzt lenkte die Allianz nicht ein. Mein Mann ist nicht transportfähig meinten sie. Nach 16 Tagen habe ich uns auf eigene Kosten mit einer Airambulance ausfliegen lassen, sonst wäre mein Mann gestorben.Für die Übernahme der Krankenhauskosten musste ich einen Anwalt einschalten. Die Kostenübernahmebestätigung kam nach 15 Tagen. Da braucht man auch keine Versicherung.

Datum der Erfahrung : 01. November 2022

Der mieseste Kundenservice

Einen mieseren Kundenservice habe ich noch nicht erlebt !!! Wochenlang keinerlei Reaktion auf Emails etc. Geld abbuchen sind se so schnell und zuverlässig, aber dann hört es schon auf, mit schnell und gut. Seit Wochen keine Chance die Versicherung unserer Reise zu ändern etc. War vorher immer bei der Ergo, bin nun nach Allianz weil billiger und wollte mal was sparen. Nie nie wieder und werde wieder zur Ergo gehen, lieber etwas mehr bezahlen als so einen billigen Mist. Pfui

Datum der Erfahrung : 20. Juni 2022

Ich liege seit drei Tagen im Krankenhaus im Ausland und habe nur Enttäuschungen mit der Allianz Travel. Bin seit Jahren mit der ganzen Familie versichert und glücklicherweise ist nie etwas passiert. Aber jetzt wo ich ein Problem habe, machen sie nur Probleme. Es fing schon damit an, dass ich drei Mal über 20 min warten musste und am Ende NIEMANDEN über sie Hotline, die auf der Karte steht, erreicht habe. Erst am nächsten Tag über Umwege. Die Romingskosten werden sicherlich auf mir sitzen bleiben. Dann ist der Support richtig mies. Man wird mit Formularen und Bürokratie nur gestresst während das Krankenhaus auf die Deckungszusage wartet und ebenfalls stresst. Keine Ahnung was hier dabei rum kommt, aber ich ahne nichts Gutes! Eine Gesellschaft wie die Allianz, die keine 24/7 Hotline inkl. WhatsApp, Chatbot usw hat, die will auch nicht helfen!

Datum der Erfahrung : 31. Dezember 2021

Reiseversicherung Allianz Travel

Ich habe für meine Familie eine Reiseversicherung als Gesamtpaket abgeschlossen. Die Allianz ist zwar einer der hochpreisigeren Anbieter, aber ich wollte bei Problemen keinen mir unbekannten Versicherer haben. Dachte das es alles einfacherer macht. Leider Nein! Eine Woche vor Reisebeginn erkrankte einer nach dem anderen von uns an Covid. Drei Tage vor Reisebeginn waren wir immer noch nicht Reisefähig. Das Telefonat mit der Storno Hotline war komisch. Aussage, wenn Sie wollen können sie auch positiv Reisen. Aha, was für ein toller Tip! Klar, wenn man die Absonderung in Deutschland beenden kann ist es gut, aber welches Land lässt einen rein wenn man noch positiv ist und dem man es einem ansieht das er krank ist. Dann habe ich storniert und alle Unterlagen eingereicht. Und nun warte ich seit 11 Wochen, dass was passiert. Nichts passiert. Telefonisch kommt man nicht durch. Unglaublich! Da hätte ich einen Anbieter wählen können der günstiger ist! Es reagiert ja nicht einmal jemand von der Allianz auf die vielen Negativen Bewertungen. Das ist dem Kunden gegenüber einfach nur peinlich!

Datum der Erfahrung : 04. Dezember 2022

Nicht erreichbar

Es ging um eine Verlängerung der Reiseversicherung. Keine Antwort auf meine Anfrage per Mail. Telefonisch nicht erreichbar. Ich habe nach 22 Minuten Wartezeit aufgelegt und eine andere Versicherung gewählt.

Datum der Erfahrung : 16. August 2022

Allianz lehnt Schadensregulierung wegen fehlender Diebstahlserklärung des Hotels ab

Bei der Reisebuchung über Check24 wurde eine Ganzjahresreiseversicherung bei der Allianz abgeschlossen. Schadeneintritt im außereuropäischen Ausland. Vorfall ist das Abhandenkommen einer Jacke und Sportschuhen. Die erste Ablehnung der Allianz erfolgte dahingehend, dass die Versicherung nicht greife. Dabei konnte die Allianz jedoch trotz Bitte dies zu tun, keine ausreichende Grundlage anführen. Dann zog sich die Allianz darauf zurück, dass keine Strafanzeige erstattet wurde und das Hotel mir den Diebstahl nicht bestätigt habe. Wohlbemerkt, ein Schaden von 80 - 150 € . Für eine Anzeige eine vollständigen Tag auf einer außereuropäischen Polizeiwache verbringen, dafür einen Dolmetscher bezahlen müssen oder von einem Hotel eine schriftliche Bestätigung zu einem Diebstahl in ihrem Hause zu bekommen, einfach realitätsfremd. Meine Frage, ob die Allianz mir einen Betrug vorwirft, wurde nicht beantwortet. Ich sage, diese Reiseversicherung der Allianz bracht mach nicht! Liebe bei der eigenen Hausratversicherung/Krankenversicherung mögliche Schäden bei Auslandsreisen zusätzlich versichern.

Datum der Erfahrung : 15. Februar 2023

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Allianz Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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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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.

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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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!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

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

306 Published Articles

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

Keri Stooksbury

Editor-in-Chief

33 Published Articles 3136 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)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $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.

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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)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 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, $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℠. For example, 60,000 points are worth $750 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

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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

Chase Sapphire Reserve ®

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
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $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℠ 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℠. For example, 60,000 points are worth $900 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™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• APR: 22.49%-29.49% Variable
• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve

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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While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its One

Allianz is well reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Single Trip Travel Insurance Estimates

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

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

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

• $153 for OneTrip Basic
• $195 for OneTrip Prime
• $270 for OneTrip Premier

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options.

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

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

How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the top travel insurance providers in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance methodology here.

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

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.

Recently Added

HTH Travel Insurance Review

World Nomads Travel Insurance Review

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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.

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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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Allianz Travel Insurance Review

Looking to purchase a travel insurance plan from Allianz? Read this first! In this Allianz travel insurance review, I’ll help you decide whether or not they have an insurance plan that’s right for you.

There are many different travel insurance companies in the industry today. And with each provider offering different plans, benefits and coverage, it might be challenging to figure out which one is right for you. That’s why we put together this Allianz travel insurance review .

Not only do you need a reliable company, but also one with robust coverage and protection against whatever catastrophe is thrown your way.

That’s where Allianz Global Assistance  travel insurance comes in. It’s one of the largest and oldest insurance companies in the industry. And, with multiple plans and benefits to choose from, it just might be the best option for your trip.

But it also might not be.

This Allianz travel insurance review will help you make a decision. Alternatively, we’ll help you figure out if one of the other of the best travel insurance companies might suit you better. Fill out the form below to compare plans and get a quote for your upcoming trip.

Is Travel Insurance Worth It?

Between the cost of flights and hotels, you may be wondering why you should spend even more money on travel insurance. After all, the chances of breaking your leg in a scooter accident or getting robbed on the train seem slim, right?

But the truth is: These things can happen to anyone. And they do.

And in these dire situations, you’ll be thankful that you have travel insurance by your side.

The cost to protect yourself with travel insurance is nothing compared to the exorbitant medical bills. And for this reason alone, travel insurance is worth it .

You might never have to use it. But travel insurance helps you prepare for the worst. As a wise man once said, if you can’t afford travel insurance, you can’t afford to travel!

When to Purchase Travel Insurance

You can purchase a travel insurance policy days, weeks or months before your trip starts.

However, the best time to buy travel insurance is after you finalize your travel arrangements. Travel insurance usually becomes effective the day after you purchase the plan. This means that you’ll be protected with trip cancellation coverage. That way, you’ll be reimbursed in case you need to change travel plans before you leave.

It’s also important to note that some companies require that you purchase a plan in advance. This is for the full coverage to take effect.

And with Allianz Global Assistance , purchasing a plan early has one significant benefit. Want travel insurance to cover a pre-existing medical condition? Then it’s recommended to buy a plan within 14 days of making your first trip payment. By booking early, you might qualify for a waiver that covers your pre-existing conditions while traveling.

So if you’ve already made travel plans, don’t wait until the last minute. By booking traveling insurance early, you can protect yourself against those pesky travel mishaps!

Who Is Allianz Travel Insurance?

Let’s first start by introducing you to Allianz Global Assistance . Even if you’re not familiar with their travel insurance policies, the chances are that you’ve heard about Allianz in general. Well, Allianz Global Assistance is actually a subsection of Allianz SE. It’s the largest insurance provider in the world today.

Founded over 120 years ago as a finance company, Allianz has grown to cover a wide range of services, including asset management and investment strategies. But the core of the company lies in the insurance business, with Allianz providing coverage for property, health, life and of course, travel.

But besides crunching numbers and providing insurance, Allianz goes above and beyond for local communities around the world. The Allianz Corporate Giving Program has contributed over $2 million and 16,000 volunteer hours towards programs to help students, seniors and dozens of employee-elected charities.

Above all else, travel insurance was created to protect you. But with the Allianz, you can feel good knowing that your insurance provider is there to protect others.

Who Is Allianz Global Assistance Travel Insurance For?

Before we dive into our Allianz travel insurance review, let’s discuss which types of travelers would benefit from their plans. With nine different plans to choose from, Allianz Global Assistance has comprehensive coverage for most types of travelers.

• Annual Travelers: With an Allianz annual plan, you can be protected for an entire year, no matter where or how many times you travel! Annual plans will save you money if you plan to take more than one or two trips during the year.
• Senior Travelers: There is no age limit for insurance policyholders, which makes Allianz an excellent option for senior travelers.
• Families Traveling Together: With Allianz travel insurance, children under 17 can travel with their parents for free on select plans. This is an excellent and cost-efficient benefit for families with one, two, or more kids.
• Business Travelers: Allianz Global Assistance is one of the few insurance companies to offer protection for business equipment. We know it’s stressful to lose or have something stolen, especially if it’s your boss’s!

Who Isn’t Allianz Travel Insurance For?

As part of this Allianz Travel insurance review, we think it’s also important to note that Allianz isn’t for every type of traveler. And while the comprehensive plans might work for some people, it may not fit the needs of everyone.

• Adventure Travelers: Allianz does not offer protection for any sort of extreme activity or sport. If you plan to engage in any thrilling activities, opt for World Nomads , which includes coverage for over 200 different extreme sports.
• Travelers Wanting High Medical Coverage: We always recommend traveling with at least $100,000 of medical emergency coverage. And none of the Allianz plans offer this amount of coverage. Sure you can’t predict if you’ll need emergency care when traveling. But you should always be prepared for the worst. If you come down with a severe illness, you might be stuck with thousands of dollars in medical bills. World Nomads , on the other hand, offers $100,000 in medical emergency coverage with both their plans.

What’s Included in Allianz Travel Insurance?

As part of our Allianz travel insurance review, we’ll be covering each of the protection benefits offered with your travel insurance plan.

Emergency Medical Coverage

Getting sick or injured abroad can do more damage than just ruining your vacation. But without travel insurance, it can also leave you with thousands of dollars in hospital bills and medical expenses.

With emergency Medical Coverage, you’re protected against everything from last-minute doctor visits to long-term hospital stays. So if you get food poisoning in India or catch the severe flu in Brazil, you’ll be reimbursed for any necessary medical costs.

Emergency Transportation

Allianz Global Assistance also covers transportation costs needed to get you safely to the hospital. So for instance, if you break your leg skiing in the Alps, you’ll need to be airlifted to the nearest medical facility for immediate care.

And in the rare instance that you need to be flown back home, emergency transportation will also cover those costs.

Trip Cancellation

If you need to cancel your trip before you leave, then trip cancellation coverage will reimburse you for any unused expenses, like flights or hotel stays.

However, your reason for canceling needs to be covered under the Allianz policy. Allianz has 26 covered reasons, including natural disasters, traffic incidents or sickness, death or the birth of a family member.

Trip Interruption

If you’re already on vacation but need to return home early, then travel insurance also has your back. Trip Interruption coverage reimburses you for the unused portion of your trip in case you need to return home early due to a covered reason.

And in some cases, you’ll also be covered for any extra costs associated with getting home, like booking a new flight.

Baggage Loss/Damage

Allianz Global Assistance comes with coverage for your lost, stolen or damaged personal belongings. For example, if your iPhone or camera gets stolen while you’re on a train, then your travel insurance policy will cover part of the cost.

Each plan comes with a different amount of coverage. And it’s important to note that there is a strict per article limit. With Allianz Global Assistance, you can only claim up to $500 per item. That means if you lose your $2,000 DSLR camera, you will only get reimbursed $500.

Baggage Delay

If your checked baggage is delayed or misplaced by the air carrier for more than 12 hours, then you’ll be covered by the baggage delay benefit. That means you will be reimbursed for any necessary toiletries or items you need to purchase until your bag arrives.

Travel Delay

Allianz Global Allianz also covers you in case you are unable to reach your destination on time due to circumstances outside your control. For instance, if your airlines cancel your flights due to bad weather, then the insurance company will reimburse you for any meals, transportation or accommodation costs.

It’s important to note that travel delay coverage kicks in only if you are delayed for six hours or more.

Change Fee Coverage

There might be a situation where you simply need to change the dates of the flight, rather than canceling the entire trip. If you have the AllTrips Executive, OneTrip Prime or OneTrip Premier plan, the plan will reimburse you up to $500 to cover the cost of the airline change fee.

Loyalty Program Redeposit Fee Coverage

With Allianz Global Assistance, even if you purchase flights or accommodation using miles or points, the company will protect you. The loyalty program re-deposit fee coverage redeposits your points in case you need to cancel your flight or accommodation for a covered reason.

Note that only the AllTrips Executive, OneTrip Prime, and OneTrip Premier plans come with the loyalty program redeposit fee benefit. All three plans cover up to $500 worth of frequent flier miles or loyalty program points.

Business Equipment Coverage

If you travel for work, you might be bringing along company-paid equipment like laptops, phones and other equipment. And if you lose or break this equipment on your trip, Business Equipment Coverage will reimburse the associated costs to fix or replace them.

However, the only plan to offer protection for business equipment is the annual AllTrips Executive plan.

Travel Accident Coverage

Also known as accidental death and dismemberment, the travel accident coverage pays you or your family if you get into an accident while traveling. This includes coverage against the loss of a limb, eyesight, or in the worst situation, death.

Rental Car Damage and Theft Coverage

For just $9 a day, annual plan holders can protect themselves against collision, damage, or theft of a rental car. With this coverage, you don’t need to take out an additional policy at the rental car desk!

This benefit is not available to all US residents. Please consult your Allianz Global Assistance policy for more information.

What’s Not Covered by Allianz Travel Insurance?

Allianz Global Assistance covers a wide range of accidents and incidents that might happen on your trip. However, there are several limitations to note when purchasing an Allianz Global Assistance policy.

Extreme Sports Coverage

Allianz Travel does not protect you against any high risk or extreme activities. This includes, but is not limited to, mountain climbing, bungee jumping, or scuba diving. If you want coverage for any adventurous activities on your trip, we recommend  World Nomads travel insurance , which covers over 200 thrilling sports and adventures.

Pre-Existing Medical Conditions

Generally speaking, Allianz Global Assistance does not cover any pre-existing medical conditions while traveling.

The look-back period for a pre-existing condition is 120 days. That means that if you have a diagnosis or condition within 120 days of your trip, you cannot claim the medical bill as an insurance expense.

However, you may be able to get a pre-existing condition waiver if you purchase travel insurance within 14 days of making your first trip payment.

If you do have pre-existing medical conditions, we recommend that you check out Travelex insurance, which does indeed cover you. We have a full Travelex review for you to read up on.

Allianz Travel Insurance Review: Global Assistance Insurance Plans

While all Allianz Global Assistance travel insurance plans include some or all the aforementioned coverage, they each break down differently. For this Allianz Global Assistance travel insurance review, we’ll compare the different plan options available. Depending on your travel needs, Allianz offers nine different travel insurance plans to choose from.

If you need coverage for one trip, then you should purchase a single-trip plan. The five single trip plan options include:

• OneTrip Cancellation Plus Plan  – Best Option for Travelers Who Don’t Need Medical Coverage
• OneTrip Emergency Medical Plan  – Best Option for Travelers Needing Basic Medical Coverage
• OneTrip Basic  – Best Option for Travelers on a Budget
• OneTrip Prime  – Best Option for the Average Traveler
• OneTrip Premier  – Best Option for Travelers Looking for the Highest Coverage

On the other hand, taking several smaller trips throughout the year makes an annual, multi-trip plan more cost-effective. Annual plans cover you for an entire year of travel, regardless of if you stay domestic or travel overseas. There are four annual plans to choose from:

• AllTrips Basic  – Best Option for Travelers Needing Basic Medical Coverage
• AllTrips Prime – Best Option for the Average Traveler
• AllTrips Executive  – Best Option for Business Travelers
• AllTrips Premier – Best Option for Travelers Looking for the Highest Coverage

Besides the length of travel, there are a few significant differences between the single and annual-trip plans. For one, the annual trip plans only cover a set amount for trip cancellation or interruption. But with a single-trip plan, you’re covered for 100 percent or 150 percent of your total trip cost.

Another difference is that all annual plans offer Accidental Death and Dismemberment (AD&D) coverage, as well as rental car damage protection. The only single-trip plan to offer AD&D is the OneTrip Emergency Medical Plan. So, it’s essential to consider these factors when purchasing the right travel insurance policy for your trip.

OneTrip Cancellation Plus Plan

The  OneTrip Cancellation Plus Plan is Allianz’s most affordable policy. With this plan, you are only protected against trip cancellations, interruptions and delays. It’s important to note that medical coverage, medical transportation and baggage loss is not included.

And while you aren’t covered for trip cancellations, you do get $2,000 in baggage loss or damage coverage and $10,000 in accidental death or dismemberment. This plan is for anyone on a budget who is mostly concerned about interruptions to their travel plans, but not too concerned about all the rest.

OneTrip Emergency Medical Plan

If you are willing to forgo trip cancellation and interruption coverage, then the OneTrip Emergency Medical Plan is an adequate option for insurance. You’ll receive $50,000 in emergency medical coverage, as well as $250,000 in emergency medical transportation coverage.

Keep in mind that this plan only offers protection for medical expenses. If the airlines lose your luggage or if you need to cancel your trip, you will need to pay those expenses out of pocket. This plan is, therefore, for anyone who may be going on an adventurous trip and is mostly concerned about their health and safety, but is less so concerned with everything else.

OneTrip Basic

Ideal for budget travelers who want to cover everything from medical needs to flight cancellations, the OneTrip Basic plan provides coverage against getting sick, needing medical evacuation or having to cancel your trip.

Included in the OneTrip Basic plan is $10,000 of medical and dental coverage and $50,000 worth of medical evacuation. And while that may sound like a lot, it might not cover your entire evacuation cost, especially if you need to be airlifted back home. For that reason, you might consider a more comprehensive policy if you plan to travel abroad or to a remote country.

The OneTrip Basic plan also reimburses up to $500 for lost or stolen baggage and $200 for delayed baggage.

But best of all, the OneTrip Basic plan will reimburse the full cost of your trip if you need to cancel or leave early. In fact, each single-trip plan with Allianz covers 100 percent of your expenses for trips up to $100,000. However, the reason for canceling needs to fall within Allianz Global Assistance’s list of covered reasons.

It’s important to note that there are a few limitations to the OneTrip Basic plan. Unlike the other Allianz Global Assistance plans, the OneTrip Basic plan does not include coverage for missed connections or airline change fees. And, there are fewer covered reasons for trip cancellation.

OneTrip Prime

The OneTrip Prime plan is the most popular option for the average traveler. You’ll get $25,000 worth of medical and dental coverage along with $500,000 worth of emergency evacuation coverage.

When it comes to lost and stolen baggage, the OneTrip Prime plan includes $1,000 in coverage. However, you will only receive a maximum of $500 per bag or item (up to $1,000 total). That means if you’re traveling with expensive gear, the lost baggage coverage might not cover the entire cost.

You’ll also get $300 in baggage delay costs, $800 in missed connection coverage, and up to $250 for airline change fees. Those are pretty generous bonus benefits!

And if you cancel, you’re covered for 100 percent of the unused total trip cost. But if you need to leave early, OneTrip Prime also reimburses up to 150 percent of the trip cost. That means you won’t have to worry about increased transportation costs to get back home!

OneTrip Premier

If you’re looking for the most comprehensive coverage option, then the OneTrip Premier plan is for you. It nearly doubles all the coverage amounts of the OneTrip Premier plan and includes a few extra benefits.

Medical and dental coverage doubles from $25,000 to $50,000, while 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.

You’ll receive up to $2,000 in lost or stolen baggage. But similar to the OneTrip Prime plan, you can only claim a maximum of $500 per item (up to $2,000 in total). The OneTrip Premier plan also includes $600 in baggage delay, $1,600 in travel delay, and $1,600 in missed connection coverage.

AllTrips Basic

The most affordable multi-trip plan is AllTrips Basic . This plan includes $20,000 in emergency medical coverage and $100,000 in emergency transportation coverage.

But one of the biggest drawbacks is 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!

However, you are covered up to $1,000 for lost or damaged baggage, $200 for baggage delay and $300 for travel delay. The AllTrips Basic plan also comes with rental car damage and theft coverage up to $45,000.

AllTrips Prime

The $20,000 emergency medical coverage and $100,000 emergency transportation coverage with the AllTrips Prime plan is identical to the AllTrips Basic plan. The baggage loss, baggage delay and travel delay coverage are also the same.

However, the AllTrips Prime plan includes $2,000 coverage for trip cancellation and $2,000 coverage for trip interruption. If you want to be protected for any possible trip changes, then make sure to purchase an AllTrips Prime, Executive or Premier plan.

AllTrips Executive

Catering to the business traveler, the AllTrips Executive plan includes comprehensive medical and trip coverage along with a few extra benefits. Emergency medical coverage increases to $50,000, and emergency transportation rises to $250,000. You will also receive $5,000 in trip cancellation and trip interruption coverage.

And unlike the other plans, the AllTrips Executive plan comes with business equipment coverage. So if you travel throughout year for work, your work laptops, phones and other electronics are protected against theft or damage.

AllTrips Premier 

Although the AllTrips Premier plan is more expensive, it’s also more comprehensive compared to the other annual travel insurance plans. You’ll be covered for up to $50,000 in emergency medical and $500,000 for emergency medical transportation. This plan is for those with a bigger budget.

The AllTrips Premier plan also includes $2,000 in trip cancellation and interruption coverage and $1,500 in travel delay coverage. On top of that, you also get $50,000 in travel accident coverage if you lose a limb or your eyesight when traveling.

Allianz Travel Insurance Cost

The cost of your travel insurance policy depends on factors like your age, residence state, trip length and total trip cost.

Let’s look at several examples to determine a likely policy price.

The cost breaks down to $4.06 per day for the OneTrip Basic plan, $4.56 per day for the OneTrip Prime plan and $6.16 per day for the OneTrip Premier plan.

Although the difference in cost may be small, you’ll receive more benefits with the OneTrip Prime and Premier plans. For instance,  the coverage amount for medical emergencies, evacuations and travel delay is higher than the OneTrip Basic plan.

But let’s say you also plan to travel to Ecuador, China and Hawaii later in the year. Instead of purchasing additional single-trip plans, you can invest in the annual plan to save on travel insurance costs.

The AllTrips Prime plan costs just under a dollar per day and protects you on all trips for a year! Although coverage slightly differs between the OneTrip and AllTrip plans, you’ll save money in the end instead of purchasing four individual single-trip plans.

In this next example, you’re a 25-year-old Californian road-tripping around Europe for two months. Although you plan to visit Italy, Austria, Switzerland and France, you’ll spend the majority of your time in Germany. Between flights, trains and hotels, your trip costs around $5,000.

For your Eurotrip, you can expect to pay $5.26 per day for the OneTrip Basic plan and $5.95 for the OneTrip Prime plan. And if you want the most comprehensive travel insurance coverage, you can pay $6.60 per day for the OneTrip Premier plan.

So you can protect yourself against enormous medical bills and travel incidents for just a few dollars a day. You’ll have full coverage and peace of mind!

Pros and Cons of Allianz Travel Insurance

• Variety of Plan Options: Depending on your travel insurance needs, you’ll have nine different plans to choose from. Whether you’re taking one dream vacation, or traveling throughout the year for work, Allianz Global Assistance has a wide range of insurance options to fit your needs.
• Free Family Coverage: The OneTrip Prime and Premier plans, as well as the AllTrips Premier Plan, includes coverage for children under 17 at no additional cost.
• Low Coverage with Some Plans: We recommend at least $100,000 in medical emergency and medical transportation coverage. And while some of the more comprehensive plans have adequate medical transportation coverage, the highest amount of medical emergency coverage you can have is $50,000.
• No Extreme Sports Coverage: When you’re on vacation, you might want to participate in fun and exciting activities, like skydiving, hiking and snorkeling. However, Allianz Global Assistance does not cover these activities.

Allianz vs. Travelex vs. World Nomads

This Allianz Travel Insurance review wouldn’t be complete without looking at competitors. Depending on your travel needs, Allianz Global Assistance might be a suitable travel insurance provider for your trip. But for this comprehensive Allianz Global Assistance travel insurance review, it’s important to look at other what other companies offer in terms of benefits. We will compare Allianz Global Assistance with two different providers:

World Nomads

Based out of Australia, Travelex provides comparable coverage for Allianz Global Assistance for roughly the same price. Both offer medical upgrades for pre-existing medical conditions and rental car damage protection.

But while Allianz Global Assistance offers nine travel insurance plans, Travelex allows for more customizability. For example, you can add different benefits to your Travelex insurance plan, including cancel for any reason protection.

Travelex also offers a paid upgrade for extreme sports and adventurous activities. That is missing from Allianz Global Assistance policies.

Created with backpackers and travelers in mind, Australian based World Nomads is one of the most popular names in the travel insurance business.

However, one of the biggest downsides to World Nomads is the cost, especially if you plan to travel multiple times throughout the year. For an annual plan, Allianz Global Assistance’s most comprehensive plan is still half the cost of the basic World Nomads plan.

You can’t customize World Nomads as much as Allianz Global Assistance, as it only offers two plans. However, World Nomads offers a higher maximum amount for emergency medical reimbursement. Both World Nomad plans come with $100,000 in coverage. This is twice as high as Allianz Global Assistance’s most comprehensive plan.

On top of that, World Nomads includes extreme sports coverage with the price of the plan. So if you’re planning on scuba diving or bungee jumping on your trip, the insurance will completely cover you in case anything goes array.

How to File a Claim with Allianz Travel Insurance

If you run into an unexpected incident abroad, you’ll want to know how to file a claim with Allianz Global Assistance. This way, the insurance will reimburse you for any medical bills or lost expenses you incur.

Document the Incident or Accident

When it comes to filing a claim, gathering the appropriate documentation is one of the most critical steps. It’s your responsibility to follow up with the right authorities. It’s also on you to collect the necessary paperwork for submitting a claim.

Consult the Allianz Global Assistance claim documentation checklist to see exactly what forms and documents you need in order to submit your claim.

File the Claim Online

As part of this Allianz Travel Insurance review, let’s dive into how to file a claim. Filing a claim with Allianz Global Assistance is relatively easy. You can do it entirely online or on your mobile device. You’ll enter details about the incident and attach your supporting documentation to the claim.

However, it’s very important to note that you have only 90 days to submit the claim with Allianz Global Assistance. They may have further questions about the request. If so, they’ll contact you for more information via email or telephone.

It may take around 10 business days for them to review your claim. If the company accepts your claim, it’ll pay you by check, debit-card deposit or direct deposit.

Final Thoughts

There are dozens of travel insurance companies on the market today. But finding the right provider for your needs doesn’t have to be complicated. One of the biggest names, Allianz Global Assistance is an excellent option for travelers looking for short- or long-term coverage, as this Allianz Travel Insurance review suggests.

Allianz Global Assistance will cover you for those unpredictable and unforeseeable events. From broken camera lenses to broken bones, you’ll feel a little more comfortable traveling the world with insurance to protect you.

But don’t just take our word for it. Get your free quote and see if Allianz Global Assistance is right for you.

Allianz FAQs

Is allianz travel insurance legitimate.

Yes, Allianz is a legitimate and well-trusted travel insurance provider.

Does Allianz pay claims?

Yes, Allianz has a good reputation for paying out claims.

What is travel insurance?

Travel insurance is a protection policy that covers you in a variety of unexpected situations that might occur while traveling.

Is travel insurance necessary?

With travel insurance, you’ll be ready to tackle every type of travel mishap that comes your way. And just for this peace of mind alone, travel insurance is really worth it!

What should travel insurance cover?

Comprehensive travel insurance should cover trip cancellation, trip interruption, lost or stolen property, medical emergencies, and emergency evacuation

Tara Burgess

We purchased Allianz flight insurance through American Airlines for flights for an Oceania cruise. After Oceania cancelled the cruise due to the coronavirus we tried to get reimbursed for the unusable airline tickets, but Allianz said they do not cover coronavirus-related cancellations.

Sorry to hear you had that experience. Check out this post on COVID-19 travel insurance for more info: https://travelfreak.com/coronavirus-travel-insurance/

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The Allyz® TravelSmart App

With our all new Allyz TravelSmart app, we're amplifying protection beyond the traditional touchpoints, giving travelers refreshingly relevant services for every stage of their journey—right at their fingertips.

Meet Allyz TravelSmart, the digital companion for today’s traveler

Get more out of your policy:, get help with your travel plans:, spread the word.

Now, Allianz Travel Insurance includes the all-new Allyz TravelSmart App—helping your clients make the most of their trip and their plans with quick access to features like:

• File a claim right from your phone
• Organize itineraries in one spot
• Manage your travel insurance plans
• Locate a quality hospital when you need one
• View coverage details
• Translate common medical terms
• Contact customer care in just a couple taps
• Get destination-specific safety and security alerts

Tell clients to download † Allyz TravelSmart before every trip.

*Terms, conditions, and exclusions apply. Plan(s) underwritten by BCS Insurance Company or Jefferson Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. Plans include insurance benefits and assistance services. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected]. No purchase necessary to download the app. Your use of the Allyz® TravelSmart app and any and all content thereon is at all times subject to the Terms of Use. Please note that your mobile device must be compatible with international networks to use certain features overseas, such as calls to 24-Hour Hotline Assistance. Message, data and roaming rates and charges may apply to your use of the app and content thereon and be charged by your mobile carrier or other service provider. This application is not a substitute for medical advice or treatment. All plans/claims subject to policy terms, conditions, and exclusions. AWP USA Inc. and its affiliates, including Jefferson Insurance Company and AGA Service Company d/b/a Allianz Global Assistance, are committed to protecting your privacy. By using the Allyz® TravelSmart app, including any content thereon, you are consenting to the collection and processing of your personal data under as described in our Privacy Policy.

iOS, iPhone and App Store are trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

†Allianz Global Assistance does not charge for this service. Message and data rates may apply from your mobile carrier. iOS, iPhone and App Store are trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

More from #Help Center

Why Classic and Premier are Go-to Trip Protection for Families

As more families embrace the multi-generational travel trend, more travelers are turning to the Allianz Travel Insurance Classic and Premier plans to protect multiple people on one plan—making both an excellent way to enhance their experiences while growing your business.

How Plans with a Cancel Anytime Provision Work

Have your clients ever worried about canceling a trip for a reason that’s not covered by travel insurance? Allianz Travel Insurance plans with a Cancel Anytime provision can be a great option for them.

How Concierge Services Can Help Your Customers

You can’t plan every minute detail of your customer’s trip—and sometimes, customers don’t want you to! Allianz Travel Insurance offers assistance for emergencies, but sometimes, minor hiccups or inconveniences can threaten to derail a trip, too.

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Moscow Travel Guide: Best Things to Do + More [2023]

· everything to know about visiting moscow, including the best things to do and how to get around. ·.

Moscow is Russia’s vibrant capital city, and it also happens to be the largest city in all of Europe. The city’s long and infamous history makes it one of the most unique places we have ever visited.

The architecture ranges from centuries-old palaces to uniform, gray concrete buildings. The people range from cold and private to warm and welcoming. Moscow is a city is strong juxtapositions, and we learned a lot during our time there.

This post will break down all you need to know about visiting Moscow, including the best things to do, how to get there, how to get around, and more.

The Best Things to Do in Moscow

1. explore the red square.

The Red Square is the heart of Moscow. Most of the city’s top attractions can be found here, including just about everything on this list. The Kremlin, St. Basil’s Cathedral, and Lenin’s Mausoleum are all located here, and the State Historical Museum and GUM are not far from here, either.

The Red Square is a common home for parades, protests, and seasonal celebrations. There are massive Christmas celebrations here, with food vendors and carnival rides set up in numbers.

2. Check Out the Ziferblat

The Ziferblat is a café in Moscow that is unlike any café we have ever been to. While most cafes charge you for your drinks and food, the Ziferblat charges you for your time.

Upon arrival, you are given a clock. When you leave, the barista calculates how much time you spent in the café and charges you accordingly. This concept was created to help visitors to be more intentional with their time, and the cafe itself is incredibly charming.

For a detailed look at everything you need to know before you visit, make sure you read my post about visiting the Ziferblat Cafe in Moscow .

3. Marvel at St. Basil’s Cathedral

St. Basil’s Cathedral is one of the most iconic churches in the world, and it was the single thing we were most excited to see while in Moscow. Built almost 500 years ago, St. Basil’s Cathedral is recognized by its colorful domes and whimsical style. The church is of the Russian Orthodox faith, and the inside is just as wondrous as the outside.

St. Basil’s Cathedral is located on the edge of the Red Square, making it incredibly convenient to visit. Entrance for non-worshippers costs 800 rubles, and tickets can be bought at the church

4. Explore the Kremlin

The Kremlin is the largest active fortress in Europe, and it is the site of most of Russia’s government affairs. In addition to government buildings, the Kremlin Complex is filled with courtyards, towers, and museums that are open to the public. If you have the time, you could spend a couple of days fully exploring all that there is to see in the Kremlin.

5. Walk Through Lenin’s Mausoleum

Vladimir Lenin is one of the most important figures in Russian history, and his body is located perfectly embalmed in a mausoleum in the Red Square. The Mausoleum is open to the public to visit, and as long as you are willing to go through a few security checks, it is easily one of the best things to do in Moscow. Its convenient location in the Red Square makes it a can’t miss attraction.

There is absolutely no photography allowed inside the Mausoleum. Do not test this rule.

6. Wander Along Arbat Street

The Arbat is a very popular street in Moscow that is lined with stores, cafes, and other touristy attractions. It is one of the oldest streets in the city, dating back to the 1400s. This street is both quaint and trendy, and there are many walking tours that introduce tourists to the neighborhood’s wonders and highlights.

7. Catch a Show at the Bolshoi Theatre

As a lover of the arts, it is hard to think of Moscow and not think of ballet. Russia has always been a top dog in the world of fine arts, and Bolshoi Theater is one of the best places to catch a performance. We were lucky enough to attend an Opera here, and it is a venue that you don’t want to miss out on if you enjoy opera, ballet, or orchestral performances.

8. Visit the State Historical Museum

The State Historical Museum is one of the most respected museums in Moscow. Despite its name, it is not really focused on the history of Russia as a nation. Rather, it contains a collection of artifacts from all throughout Russia’s history.

The museum’s collection is very broad in nature. It houses some items from indigenous tribes that used to occupy the region, pieces collected by the Romanov family, and more.

9. Wander Around GUM

GUM is an absolutely massive mall within walking distance of the Red Square. It isn’t just the size that draws visitors here; it’s the sense of luxury. The mall is so beautiful inside, much like the metro stations.

While visiting a mall might not sound like it belongs on a bucket list, this mall does. You will not want to miss out on visiting GUM while in Moscow.

10. Admire the Cathedral of Christ the Saviour

While St. Basil’s Cathedral is the most iconic church in Moscow, it isn’t the only one. The Cathedral of Christ the Saviour is absolutely stunning, with massive golden domes. It is the tallest Orthodox church in the world, and it is the seat of the Orthodox Patriarch of Moscow.

It is located just about a mile from the Red Square, just south of the Kremlin Complex. You can walk to it from the Red Square in about 20 minutes.

How to Get to Moscow

Flying to moscow.

Moscow has three major international airports: Sheremetyevo (SVO) , Domodedovo (DMO) , and Vnukovo (VKO) . All three of them are directly connected to downtown Moscow by the Aeroexpress trains, which leave every 30 minutes throughout the day. By Aeroexpress train, you can expect to get to the city center in 25-45 minutes depending on the airport that you fly into.

Sheremetyevo is the biggest and busiest of the three airports, and it is the one you are most likely to fly into – especially if you are coming from outside of Europe or the Caucus region. We flew into Sheremetyevo on a direct flight from New York City.

I usually provide backup airport options, because flying right into the city isn’t always the cheapest way to get where you’re going. Unfortunately, when it comes to Moscow, don’t really have a choice other than to fly right into Moscow. It is a very remote city, and it is usually the cheapest place to fly into in Russia as a whole.

Since Sheremetyevo is so busy, you will probably find a great flight option anyway. I wrote in  my post about finding cheap flights  that using hub airports will lead to more affordable airfare, and the same logic applies here. Even though Russia’s national airline, Aeroflot, is no longer a member of the SkyTeam Alliance, Moscow is still a major hub connecting passengers from all over the world.

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Train or Bus to Moscow

Trains and buses are one of the most popular ways to get around Europe. However, they’re of very little use when you’re trying to get to Moscow.

Moscow is hundreds of miles from the nearest major cities. The only major European city that can even be reached within 8 hours on the ground is St. Petersburg, and even the Baltic capitals of Riga, Vilnius, and Tallinn are over 12 hours away.

If you want to get to Moscow, the best option is almost always to fly. While the train routes to Moscow are scenic, they simply take forever.

How to Get Around Moscow

METRO | TROLLEYS | TRAMS | BUSES

Moscow has one of the most memorable metro systems in the world. Its metro lines are very deep underground, and the stations are absolutely stunning. Each station has its own unique style, but all of them contain escalators that seem to go on forever.

The system was built in an effort to showcase the power of the Soviet Union and its bright future. The plans were a form of propaganda, but they resulted in what is still one of the most visually appealing subway systems on earth.

Moscow’s metro system isn’t just pretty. It is also very useful and accessible. The system has 17 lines that connect the city and its surrounding area.

But wait; there’s more!

The Moscow metro system is also incredibly affordable, with each ride costing less than a dollar. The metro is by far the best way to get around Moscow, as it is almost impossible to beat the connection times and the low cost to ride.

Tickets can be bought at electronic, English-speaking kiosks in stations, or directly from ticket counters at certain larger stations. There are also day passes available, which are a very solid option if you plan on riding the metro several times per day.

The metro is by far the best way to get around Moscow.

In addition to the metro system, Moscow also has a network of buses, trams, and trolleys. This system is nowhere near as convenient or well-connected as the metro, though, and is likely of little use to you during your trip. There is no Uber in Moscow, but a similar app named Yandex is available if you need a ride in a pinch.

How Many Days Do You Need in Moscow?

Moscow is the biggest city in all of Europe, and it is absolutely loaded with things to do. You could spend weeks in Moscow and still find new things to do. Of course, most travelers don’t have that kind of time to spend in one place!

I recommend spending no less than three full days in Moscow, and ideally closer to five or seven.

Moscow is very spread out, and it can take some time to get from one major point to another. There are also so many places that are nice to just sit back and relax, which is hard to do when you’re in a hurry trying to cram activities into just a few days.

If you only have a week to visit Russia, I’d advise spending all of the time in one city. If you decide to split your time between Moscow and St. Petersburg, I recommend not trying to squeeze in any day trips beyond those two cities.

When Is the Best Time of the Year to Visit Moscow?

There are two different ways to approach this question. Personally, I think the best time to visit Moscow is around Christmas and New Year’s Day. While the weather will be absolutely freezing, Moscow is a surreal winter wonderland in December and January.

We were in Moscow right before Christmas. While it was very cold, you can always bundle up. Exploring the Christmas markets and pop-up ice skating rinks throughout Moscow is one of my favorite memories from anywhere I’ve traveled, and I dream of going back to do it again.

If you aren’t fond of the cold, Moscow is beautiful in the summer. It tends to get pretty cold in the shoulder seasons, so if you want warm weather, you should plan to visit in the summer. Moscow actually gets pretty warm in July and August, and there are a bunch of fantastic places to soak up the sun within the city.

The best time to visit Moscow is either around Christmas or from late May to August.

Is Moscow Safe to Visit?

While Moscow is a truly wonderful city, there’s no denying that visiting Russia comes with risks. As the country is run by an infamous communist dictator, concerns about visiting are valid. While we didn’t experience any sort of threat or negative treatment during our time in Moscow, we visited in a peaceful time.

In our experience, Russia doesn’t seem to detain normal Americans or Westerners to use as pawns. As a regular person, as long as you don’t commit any crimes, there is a slim chance you will run into any issues. However, Russia will not hesitate to enforce its laws against foreigners, and illegal behaviors will likely land you in a very compromising position.

Russia will not hesitate to enforce its laws against foreigners, and illegal behaviors will likely land you in a very compromising position.

To make matters worse, Russia has a bad reputation for gang violence. While the Russian mafia has very little interest in normal Western tourists, they won’t hesitate to pick a fight with anyone who ventures into their sphere of influence. If you seek out illegal substances or activities, you could be a target of the mafia.

If you seek out illegal substances or activities, you could be a target of the mafia.

Finally, since Russia’s invasion of Ukraine, things are all very different. Russia is currently at war, and there are battles raging within 8 hours of Moscow. While it is still relatively safe to visit, that could change at any time as the war with Ukraine continues.

Is Moscow Worth Visiting?

Without a doubt, Moscow is worth visiting. It is one of the most unique major cities we have ever visited, and we hope to make it back one day. The Russian Orthodox churches are stunning, the city’s history is unlike any other, and the food is to die for.

While many visitors prefer St. Petersburg to Moscow, I think Moscow deserves a lot of hype of its own. Moscow is the beating heart of Russian culture and history, and it’s a place I highly recommend checking out if you have the chance.

That’s all we have for you about Moscow! I hope this post was helpful as you plan your trip to Russia’s capital.

Have you been to Moscow? Or is this your first time visiting? Comment below if you have anything to add to our travel guide!

Hi, I'm Greg. I'm an avid traveler who has traveled to over 50 countries all around the world with my wife and kids. I've lived in Italy, Mexico, China, and the United States, and I dream of moving abroad again in the future. With this blog, I provide my audience with detailed destination guides to my favorite places and pro-tips to make travel as stress-free as possible.

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15 Fantastic and Easy Day Trips From Moscow

Is the hustle and bustle of Moscow starting to wear you down? No worries. There are multiple great day trips from Moscow that will let you see a different side of Russia that you won’t find in the metropolitan area. Each day trip I’ve listed below can easily be done by train from Moscow, and there are trains every day of the week.

The area surrounding Moscow is rich in cultural attractions and natural beauty. By traveling only a short distance, one feels far away from the crowds, and lines of the sprawling Russian capital. Since Russia is undoubtedly an expansive country it may take from half an hour to two hours to reach some of the landmarks on this list (by train or car) from the Moscow city center.

You can escape to the picturesque Russian countryside, visit war memorials, battlefields, admire onion-domed churches, and get insight into the local way of life. Easy day trips from Moscow include the incomparable white-stone Trinity Cathedral in Sergiyev Posad, the spectacular Cathedral of the Assumption in Dmitrov, and the Russian military aircraft in Monino. For those who love rural tranquility, Suzdal and Vladimir are a must-see. History buffs will appreciate the Patriotic War of 1812 reenactment that took place in Borodino on the first weekend of September.

Without further ado, here are 15 best day trips from Moscow that are well worth your attention.

The Best Day Trips from Moscow

There’s a reason Moscow is one of Europe’s most enigmatic destinations. It’s got culture, class, food, history, and more, but even better, is that it is the country’s main transport hub with so many attractions within a day trip from Moscow. While you can definitely spend days or even weeks in Moscow, it can, of course, be done in just one week. What can you do in Moscow in seven days ? Well, you can do a lot if you know how to plan a trip to a place you know so little about.

If you’re ready to get out of the city a bit and soak up the culture, fresh air, and enchanting architecture, I’ve rounded up my favorite day trips outside of Moscow. I often get asked: What are the best cities to visit in Russia? And these are places that I’ve been and loved.

My Favorite Easy Day Trips from Moscow:

Dmitrov Kolomna Zvenigorod Sergiyev Posad Yaroslavl Arkhangelskoye Estate Vladimir Suzdal Korolev Borodino Patriot Park in Kubinka Melikhovo Gorki Leninskie Kaluga Monino

1. Day Trip to Dmitrov from Moscow

Dmitrov may not be as popular as other cities in Russia, but the fact that the city was founded only 7 years earlier than Moscow makes for a great day trip. This small city some 90 kilometers from Moscow is particularly beautiful in the summer. As you walk the streets you can see sparkling fountains, charming centuries-old buildings, yachts and boats transiting through the canal and, of course, the Museum-Reserve Dmitrov Kremlin.

The Kremlin (castle) is the city’s main draw. The 10m high and about 1km long earthen rampart remained behind the wooden wall and gives an idea of how the castle looked like 400 years ago. The oldest surviving building on the Kremlin grounds is the 16th-century Assumption Cathedral with a unique five-tier iconostasis.

Not far from the Kremlin there is a compact 15th-century Borisoglebsky convent. Its main building – the 16th-century Cathedral of Sts. Boris and Gleb is open to the visitors only for services of worship. In the 1930s in the convent housed a labor camp, which contained the builders of the Canal named after Moscow.

Getting There: Dmitrov sits an easy hour and sixteen minutes by train from Savyelovskiy Rail Terminal. This cheap day trip from Moscow is a great chance to soak up the historic charm to be found in Moscow Oblast.

2. Day Trip to Kolomna from Moscow

Situated to the south-east of Moscow, Kolomna is a beautiful port city on the Oka River. This is one of the oldest Russian cities in the region. So you can discover the old history in museums and monasteries. Interestingly, the city was a site for important weapon factories under the Soviet Union. Although it was opened up in 1994 Kolomna is not as popular as other day-trip destinations in the region.

Nevertheless, it is a great place to visit with friends and family where you can explore the 15th-century Kremlin made of red brick, try incredibly sweet traditional pastila (marshmallow), and visit some of the cute little churches and 19th-century mansions.

Getting There: Take the express train (commuter line train) from the Kazansky rail terminal to Golutvin station. The trip lasts one hour and forty minutes.

3. Day Trip to Zvenigorod from Moscow

This one is usually a given due to its proximity to and ease of transport from Moscow. It’s one of the easiest day trips from Moscow by train. You can easily hop on the train from the city and land right in the town of Zvenigorod where you can visit the 14th-century Savvino-Storozhevsky Monastery and sample the sparkly and refreshing kvass, a Russian specialty beverage that’s enjoyed in the summer months.

Zvenigorod is an adorable little town just under an hour away from the Moscow city and is an amazing place to visit as it will give a relaxing break from the hectic life of Moscow. Check this day trip if you don’t feel like planning.

If you have a sweet tooth, spend some time in the quirky Museum of Russian Desserts, where you can indulge in uniquely delicious treats and explore the intersection of food and culture.

Then you may want to pay the Zvenigorod Museum of History, Architecture, and Art a visit. The museum’s exposition is located on the territory of the Savvino-Storozhevsky monastery, or rather, in the 17th-century Tsaritsyny chambers, built for the wife of Tsar Alexei Mikhailovich. Stroll through the museum halls to view the permanent exhibitions, which offer insights into various aspects of Russian history. The intricate museum’s building is adorned with a decorative porch, complex patterned elements, and looks very impressive in general.

4. Day Trip to Sergiyev Posad from Moscow

If you’re looking for cheap day trips from Moscow, Sergiyev Posad is a good choice at just a few dollar train ride away. Known as a major center of pilgrimage and home to one of the largest Russian Orthodox Monastery which has been here for hundreds of years, Sergiyev Posad is a fun day trip from Moscow and can be combined with Abramtsevo Museum Estate. As the only town in Moscow Region which is included in the Golden Ring of Russian cities, Sergiyev Posad is an incredible destination for a day trip from Moscow that packs UNESCO-protected Trinity Sergius Lavra, great museums, and gorgeous architecture into one day.

Make sure you see the six-pillared Assumption Cathedral that was commissioned by Ivan the Terrible in mid-16th-century and go inside to marvel at the impressive iconostasis that features Simon Ushakov’s masterpiece, the icon of Last Supper. Enjoy a delicious lamb steak with wheat kasha, Ukha fish soup, or hand-made dumplings as you learn a lot about religious and cultural history.

Getting There: Known for its small-town charm and welcoming feel, you can get to Sergiyev Posad by train, by bus, or by car. Trains depart from Yaroslavsky Rail Terminal every thirty minutes, and the trip lasts about an hour and a half. Alternatively, you can hop on a bus at the ‘VDNKh’ metro station. A bus trip to Sergiyev Posad takes two hours on average but can be reached in 90 minutes depending on traffic. If you go by car expect to spend about an hour and a half attempting to traverse the congested Yaroslavskoye highway.

5. Day Trip to Yaroslavl from Moscow

Going from Moscow to Yaroslavl may seem like a really long day trip, but honestly, if you take the comfortable train, it only takes about four hours to reach the city, so making a Yaroslavl day trip is totally doable. Although I do recommend much more than one day in Yaroslavl, especially if it’s your first time.

Cultural tourists visiting Yaroslavl should start their exploration by strolling the historic city center, a UNESCO World Heritage Site. A spacious 100-hectare area enclosed by Sobinova and Republican streets is home to most popular attractions – the 17th-century Church of Elijah the Prophet that survived almost exactly in its original form, and in contrast to it, the white stone Assumption Cathedral, restored in the 2000s.

If you walk a bit further passing the Holy Trinity sculpture and city’s foundation stone, you will find yourself at Strelka, a park on the cape, which offers panoramic views of the spot at the confluence of Volga and Kotorosl rivers. On the way back, there is a pleasant walk along the picturesque Volga embankment to the Governor’s Garden with shadowy alleys and an open-air Sculpture museum.

Getting There: Yaroslavl is about 280 km (173 miles) northeast of Moscow, so the best way to get there is to take a morning train from Yaroslavskiy Rail Terminal. A tour is also a great way to see the Yaroslavl without having to worry about driving or searching for trains. You can book a tour here.

6. Day Trip to Arkhangelskoye Estate from Moscow

Situated on the outskirts of Moscow and dates back to the late 18th-century, Arkhangelskoye Estate was the domain of the nobility for over a century until the Russian Revolution swept people who owned the estate out of the country. The estate was turned into a museum, which it remains today.

The Arkhangelskoye Estate Museum holds the largest rare-book collection. The exhibition also includes old manuscripts, historical documents, photos from the past, a vast collection of sculpture, paintings, engravings, and exceptional examples of decorative art. These art objects once belonged to Prince Nikolai Yusupov, the former owner of the estate.

Arkhangelskoye Estate is often referred to as the Russian version of Versailles because of the intricately manicured garden and beautiful 18th-century park. Famous Russian writers and poets such as Pushkin, Herzen, Mayakovsky loved to spend their free time here making long excursions in the surrounding area. Arkhangelskoye is a perfect place to appreciate the terraces decorated by delightful statues, exquisite vases, and busts.

Visitors can take tours, which introduce them to vibrant examples of Russian art and culture.

Getting There: To reach the estate it’s best to take a bus or a privately-owned minibus that departs from Tushinskaya metro station.

7. Day Trip to Vladimir from Moscow

Situated only two hours east of Moscow, Vladimir is absolutely one of the best places to visit near Moscow for a day trip. This splendid city dates back to the 12th century and has a very rich history. If magnificent Orthodox cathedrals and traditional white-stone architecture entice you, then this place is perfect for a day trip with your significant other.

First things first, you need to see the Golden Gate, which indicates the entrance into the old town. This 12th-century medieval masterpiece of military architecture is associated not only with Vladimir but with the Golden Ring tourist route itself. At the top of the gate, where once was the Church of the Deposition of the Robe, there is the Museum of Weapons. Great looking arrowheads and spear points date back to the Grand Principality of Vladimir, while the exhibition in an impressively majestic setting features a number of Batu-Khan related artifacts.

There’s a variety of attractions to put on your must-see list: the Old Believers Trinity Church right behind it, the Cathedral of St Demetrius, and Dormition (Uspensky) Cathedral. If you plan on shopping for souvenirs like birch-bark masterpieces of Kunov’s masters, drawings, carving, embossing, figures of people and animals, stop by the Lacquer Miniature, the Museum of Crystal, and the Gingerbread Museum. Many of the local attractions were added to UNESCO’s list of World Heritage sites.

Getting There: The best way to visit this area is to catch an early train from Moscow and book a full-day tour of Vladimir in advance. This one includes the town of Suzdal as well.

8. Day Trip to Suzdal from Moscow

This gem of a little medieval town perched on a hill just a 30-minute ride from Vladimir is one of those places I’ve visited and could move there permanently and be happy! It’s a charming little piece of history that also has a Kremlin and visiting it feels like stepping back in time. if you’re a culture enthusiast you’ll be glad to know there are numerous churches, five monasteries, including Spaso-Yevfimiev Monastery in Suzdal. Check them out if you want to get a real taste of the country!

pend some time shopping at the Torgovaya ploshchad (Market Square), where you can buy baskets made of birch bark, ceramic handmade plates, honey or souvenirs and, of course, grab some afternoon tea!

Getting There: Trains leave regularly from Moscow’s Kurskiy Rail Terminal to Vladimir where you can hop on a bus to Suzdal. You can also take a bus from Moscow. In this case, it might take longer and you’ll probably encounter infamous traffic jams. If you go by express train the trip takes about 1 hour and 40 minutes. There are slower trains of course, but I’d recommend going with the fast one and save a lot of time!

9. Day Trip to Korolev from Moscow

Located some 30 kilometers northeast of Moscow, Korolev has become arguably the most important space research center with skilled workers from across the Soviet Union who came here to expand the space program.

It became a leading institute dedicated to aerospace research in the country. Today, that tendency can still be clearly seen on the streets and in the buildings. When the Soviet Union collapsed, the city retained its status as the headquarters of Russia’s space surveillance network and now it hosts the Russian Mission Control Center, an analogue of the American Mission Control Center at NASA’s Space Center in Houston.

If you want to learn more about Mission Control Center and the former Russian Mir space station, book a tour with a knowledgeable guide who can clearly tell the history of this place.

If you’re not into space exploration there is also a Memorial Apartment Museum of Marina Tsvetaeva in Bolshevo. With a picturesque park next to the museum, it’s a great place for walking in the fresh air. The highlight of the park is memorial stones with quotes from Tsvetaeva’s poems.

Getting There: I’d recommend going by train. Catch one at Yaroslavskiy Rail Terminal that departs every 30 minutes to reach Bolshevo station.

10. Day Trip to Borodino from Moscow

The historic Battle of Borodino on September 7, 1812, took place just outside the small village of Borodino, about 140 km west of Moscow, and about 15 km from the nearest town of Mozhaysk. Although the French won the Battle of Borodino and went to capture Moscow, it was one of the bloodiest battles of the pre-twentieth-century that is also predetermined Napoleon’s defeat.

While it was a battlefield back then, not much remains today. It’s mostly a green and grassy field now with a few monuments of military honor, architectural objects dated back to 19th and 20th century, and fortification facilities scattered throughout the area. The largest of these is the 27-meter high obelisk located right at the heart of the former battlefield.

Every year the military and patriotic festival and theatrical performance take place in Borodino. Early September is considered to be the best for visiting. But if you just want to feel the spirit of the battle, it’s better to go at any other time of the year.

Getting there: Hop on a train from the Belorussky rail terminal, disembark in Mozhaysk, and then take a bus to the museum. The whole travel time is about 2 hours.

11. Day Trip to Patriot Park in Kubinka from Moscow

Once a Red Army tank training ground, now it’s a military Disneyland with history, structure, guns, and armored vehicles! The tank museum originally housed one of the world’s largest and rarest collections of tanks. In 2016 they combined the training grounds with the newly-created Patriot Park. Since then, some of the notable and rare items have been moved to the Patriot Park site, so you may want to combine both sites into one tour (only about 20 minutes apart).

The exhibition grounds include some very rare specimens that are must-see for any military enthusiasts out there. The staff is friendly, helpful and kind, while the museum has a small shop. As this site is part of an operating military base, they may ask you to show your passport, or provide them with a photocopy of the front pages. There are vending machines for snacks and drinks, and there are bathroom facilities. There’s plenty to see, so I recommend setting aside an entire day!

Getting there: Situated halfway between Borodino and Moscow, the best way to reach Patriot Park in Kubinka is by car. Alternatively, if you don’t want to rent one, consider car-sharing apps like Gett or UBER. The price of ride-sharing services is cheap enough to make them a viable proposition for choosing them.

12. Day Trip to Melikhovo from Moscow

Located some 80 km from Moscow, Melikhovo is one of the most important museums dedicated to Anton Pavlovich Chekhov. This renowned Russian writer and playwright acquired Melikhovo in 1892. He lived there with his parents and close relatives for 7 years before moving to the Crimea in 1899. Melikhovo is where he wrote his plays “The Man in the Case” and “The Seagull”.

The estate faded into oblivion right after the Revolution but in 1939 Anton Chekhov’s sister Maria and his nephew established a museum based on Chekhov’s place of living. The museum opened its doors to the public in 1941.

Today museum’s exhibition reveals the legacy of a celebrated writer and shows his path not only as a writer but as a doctor and public figure as well. The collection also features some of the best-known paintings by famous artists like Isaac Levitan and Vasily Polenov, who were Chekhov’s friends. When it comes to fun and educational day trips from Moscow, Melikhovo is a nice place for learning more about Chekov’s life and work.

Getting There: You can reach Melikhovo by train from Kurskiy rail Terminal. Disembark in the town of Chekhov and hop on a minibus that will get to the estate. Alternatively, hop on a bus that departs from the Yuzhnaya metro station.

13. Day Trip to Gorki Leninskie from Moscow

Once the realm of Russian nobles, Gorki Leninskie was turned into Lenin’s museum some 25 years after his death. The estate sits some 30-minute bus ride from the Domodedovskaya metro station and houses Soviet-era memorabilia and Lenin’s memorial flat recently transferred from the Kremlin, as well as his vintage Rolls-Royce.

Most people only associate this place with the name of the first communist leader. In fact, the name of the estate was first mentioned in documents dating back to the 16th-century. Throughout its history, the estate was owned by a number of prominent figures. It’s in fact one of the best museums that holds the country’s finest collection 19th-century furnishings and a unique collection of domestic items owned by nobles. Plus, ancient Vyatichi native tribe or East Slavs who inhabited a part of the Oka basin’s burial mounds and a few notable sculptures are hidden behind the avenues of lime trees in the park.

Getting There: You could, of course, hop on a bus from Domodedovskaya metro station. But it would be much easier just to use UBER or Gett. The estate isn’t that far from the Moscow Circle Road but going there by bus may involve some navigating.

14. Day Trip to Kaluga from Moscow

If you’re looking for an educational day trip from Moscow, look no farther than Kaluga! This beautiful city could really entertain you for more than just a day, but to get a taste of science, be sure to visit the Tsiolkovsky State Museum of the History of Cosmonautics. Or in other words, the Space Museum.

Visitors to the museum will learn more about the history of space exploration. In fact, this is one of the largest Space Museums in Russia, which opened its doors in Kaluga in 1967. Here you can see a prototype of the iconic MIR space station and a duplicate of the Voskhod rocket. The very same rocket that took the first man to space. There’s also a planetarium, which from the outside resembles a spaceship.

Kaluga is a totally walkable city. Make sure to spend some time strolling Teatralnaya street with the authentic 19th-century pavement that now marks the Kilometer Zero. Then walk across the 18th-century Kamenniy Most (the Stone Bridge) that somewhat resembles a Roman aqueduct. If you’re an architecture buff marvel at the Church of St. Cosmas and Damian.

It is assumed that the church was erected by one of the followers of Francesco Bartolomeo Rastrelli in 1794. The church resembles the Smolny Convent in St. Petersburg. With five church towers directed upward and six tiers of oblong windows give the exterior a sense of lightness and airiness.

Getting There: Trains from Kiyevsky Rail Terminal to Kaluga leave every 90 minutes. The trip takes about 2 hours and 35 minutes.

15. Day Trip to Monino from Moscow

Are you looking for great family & kid-friendly day trips from Moscow? If so, consider visiting the Central Museum of the Air Forces at Monino. This unique military open-air museum is home to over 180 Russian aircraft and 100 aircraft engines and the perfect place to go when your crowd is looking for a break from hectic city life. Check this tour if you don’t feel like planning.

This site was formerly an operational airbase from 1932 till 1956 and many of the Russian aviation Design bureaus have made a contribution to the operation and maintenance of the museum. Along with aircraft from the Second World War, there are the TU-95 Bear four-engine turboprop-powered strategic bomber and the TU-144 Charger a Soviet supersonic passenger airliner (which resembled the Concorde). The museum also has exhibits related to military aviation history such as the uniform of captured U2 pilot Gary Powers.

Getting There: This museum is located at Monino Town, about 30 km from Moscow. It is open on all days from 9:00 AM to 5:00 PM, except Mondays and Tuesdays. To get there take a train departing from Yaroslavskiy Rail Terminal and disembark at Monino station. Alternatively, hop on a bus from Schelkovskaya or Partizanskaya metro station.

Final Thoughts on the Best Day Trips from Moscow

I hope this post has helped you discover some amazing day trips from Moscow. From imposing cathedrals, mighty fortresses and monasteries, there are a lot of incredible places to visit the Russian capital, and the best part is that getting there is always ways to get around on the cheap.

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Great article for visitors in Moscow , thanks for sharing

Marie Hernandez

I hadn’t considered traveling to Moscow until NOW! Fantastic post and ideas for visitors! Thanks!

Graham Marsden

Nice to see so many options outside of Moscow, but I have to say I wish this list had a recommendation for a hike or a beautiful natural areas or national parks. Maybe the next list!

I have to admit that I knew nothing about the area surrounding Moscow. This is definitely an inspiring list of places to go.

When I read this article about Moscow. I wanted to pack my bags and get there sooner. thank you for the great write up.

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