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Allianz Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

What does Allianz Travel Insurance cover?

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• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Our history
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Travel protection

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When the world calls, help your customers answer with confidence.

Looking for a travel insurance plan, get a quote at   allianztravelinsurance.com ..

Benefits to help travelers explore reassured.

Expert assistance means travelers are never alone. 

Industry-leading technology for the future of travel.

Travel safe. Travel simple. Allianz TravelSmart.

Our free Allianz TravelSmart TM app puts your customers’ travel protection plan at their fingertips, making it easy to check their coverage benefits, connect to our 24/7 assistance, or file a claim on the go.

What makes Allianz TravelSmart even smarter? We’ve loaded it with safety features to help customers explore more securely, including timely alerts about events that may impact their travels, a locator for nearby emergency assistance, medical translations, and more.

“I cannot even begin to tell you how wonderful my experience was with Allianz!! I had a terrible ski accident in France and every single Allianz person was unbelievably helpful. I now recommend Allianz to everyone I know and I will NEVER travel overseas without it. I am so very grateful for all the support I received.”

- Lindsay T., MN, 2021

“So often when you buy warranty or insurance it’s hard to actually get it to do what it’s supposed to do, but Allianz worked as it should. The cost for travel insurance is so negligible that it’s a no brainer to add to your trip.” 

- Kyle Y., GA, 2021

“When I filed my claim your company made the process very easy. And you did not try to avoid your contract responsibilities like many other insurance companies with whom I have had to work with. I have recommended you to all of my travel friends.” 

– Scott H., IL, 2021

Have questions about our products or services?

  contact us — we’re here to help. .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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The Simple Guide to International Travel Insurance Benefits

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Popular Travel Insurance Plans

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View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Allianz Trip Insurance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

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Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

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Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

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Allianz Global Assistance Travel Insurance Review

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

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

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

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

Single trip

Annual (multi-trip) plans

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

SINGLE TRIP PLANS

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

Annual (Multi-Trip) Plans

Optional: Rental Car Damage ($11/ day)

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

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

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

Allianz Travel Insurance Summary

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

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

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

Customer Comments

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

Access to a worldwide network of prescreened hospitals 

Quick claim payments for qualifying delays

24-7 emergency assistance services

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Suggested Comparisons

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

311 Published Articles

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

Keri Stooksbury

Editor-in-Chief

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Table of Contents

Why purchase travel insurance, travel insurance and the covid-19 virus, types of travel insurance policies available with allianz, how to obtain a quote with allianz, additional travel insurance offered by allianz, how allianz compares, 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.

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 Epidemic Coverage Endorsement

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. 

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.

OneTrip Plans — For Affordability and Select Coverages

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. 

AllTrips Annual Plans — Cover All of Your Trips for a 12-Month Period

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.

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

OneTrip Emergency Medical Plan

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.

OneTrip Cancellation Plus Plan

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.

Rental Car Damage Protector

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. 

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.

Allianz vs. Credit Card Travel Insurance

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.

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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
• $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 eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, 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.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $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.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• 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 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), 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.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees:  None

American Express Membership Rewards

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

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

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

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

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

Chase Sapphire Preferred ® Card

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

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

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

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

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

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

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

Chase Sapphire Reserve Card

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

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

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

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

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel SM .
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel SM  immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel SM . For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass TM  Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees:  $0

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

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

Allianz vs. Other Travel Insurance Companies

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 vs. Point-of-Sale Travel Insurance and Protection

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

Is travel insurance worth it.

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

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

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

What is covered for trip cancellation?

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

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

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

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

Does travel insurance cover flight cancellations?

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

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

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

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

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

Which is the best travel insurance company?

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

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

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About Christine Krzyszton

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

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

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

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

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

Allianz Travel Insurance review

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

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

Policy highlights

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

24/7 assistance available

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AXA Assistance USA Travel Insurance

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

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

Travel Guard® Travel Insurance

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

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

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

Why trust CNBC Select?

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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Important Notice: Effective March 11, 2020, we have determined coronavirus to be a known event for Trip Cancellation and Trip Interruption. As a result, for policies purchased on or after March 11, 2020, any Trip Cancellation or Trip Interruption claims related to coronavirus will not be payable. For more information, please click here .

Our Travel Insurance Plans

As the world's largest insurance and assistance providers, Allianz Global Assistance supports millions of our customers every year. Every day, we build on our history of providing first-class products and services to travellers around the world.

Learn more about travel insurance and COVID-19

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Trip cancellation & interruption plan^*, non-medical package^*, deluxe package^*, deluxe package with covid-19 coverage*.

If you have any questions about our products and services, or about your policy, please feel free to contact Allianz Global Assistance anytime.

Toll Free: 1-833-358-0573 Collect: 519-514-2215 Email: [email protected]

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Delta Vacations Travel Protection Plan & Travel Protection Plus

WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Allianz Global Assistance, the foremost provider of travel protection plans and travel insurance, help protect your investment from the unexpected.

Travel protection plans purchased prior to 2/20/20 are serviced by Trip Mate. For more information please review the details for Trip Mate policies please  click here .

Travel Protection Plan

Part A: Pre-departure Benefits Provided by Delta Vacations

Refund of cancellation fees

Documentation required

Purchase period  

Part B: Post-departure Benefits (Vacation Protector)

Provided by Allianz Global Assistance For complete details, go to:

Travel Protection Plan PLUS

Received in the original form of payment 1  

May be purchased any time prior to final payment 1

Plan Details , opens in a new window

Received in the form of a Delta Vacations travel certificate 2

May be purchased any time prior to final payment 2

1 Cancel For Any Reason Waiver applies only if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip. Payments made with miles and/or travel certificates will be refunded in the form of a travel certificate that will have an expiration date one year from the date of issuance of such travel certificate. All other payments refunded to original form of payment. 2 Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within seven (7) days of your initial deposit for your trip. The refund of cancellation fees will go to a Delta Vacations travel certificate that will have an expiration date one year from the date of issuance of such travel certificate. 3 Pre-existing conditions coverage only applies if Travel Protection Plan is purchased within fourteen (14) days of initial deposit for your trip (and for pre-existing conditions, the traveler must not be disabled from travel at the time the plan is purchased.)

Provided by Delta Vacations

• The Cancel for Any Reason Waiver protects the cost of your vacation and protects you from most cancellation penalties. Also, you can cancel for any reason and have comfort in knowing that your travel investment is protected. You must cancel before your scheduled departure.
• The Cancel for Any Reason Waiver is provided by Delta Vacations and is not an insurance benefit.

With this option, you receive all of the benefits with the Travel Protection Plan (listed in the chart above) PLUS you:

• Receive the refund of the cost of your vacation package AND cancellation fees in the form of your original payment should you need to cancel your vacation for any reason (less the cost of the protection plan).
• Receive the lowest price guarantee.

Please Note: 

• If purchased, everyone on the booking must purchase the Travel Protection Plan. 
• The cost of the Travel Protection Plan is only refunded for cancellations covered by the hurricane policy (or within the state required free look period).
• Refer to Delta Vacations Cancellation & Change Policy  for penalty and refund details. 
• Certain restrictions apply to groups booked with our Group Department. 
• Certain items may not be refundable, such as show or event tickets, theme park passes, etc. 
• Airfare cancellation fees are currently being waived by Delta Vacations for a limited time and other non-air fees may still apply and will be covered under this plan.
• When one or more travelers cancel off of a booking but the entire booking is not cancelled, the booking will be repriced to reflect the remaining number of travelers. This may reduce the refundable amount for the person(s) whose travel is being cancelled.

Additional Information

For additional information about the Part A: Pre-departure Benefits or pricing or to purchase separately, please contact Delta at 1-800-800-1504.

Provided by Allianz Global Assistance and Underwritten by Jefferson Insurance Company or BCS Insurance Company

Your post-departure benefits can help protect you from the unexpected during your vacations, such as:

• Medical and emergency assistance
• Can reimburse up to $50,000 for covered emergency medical expenses, emergency medical transportation and 24-hour emergency assistance service for covered sickness or injury during the trip.
• Trip Interruption Can reimburse non-refundable, unused, pre-paid trip costs when you must interrupt your trip or return home early for reasons such as covered sickness, injury, etc.
• Travel delay Can reimburse for meals and accommodations when you are delayed on your trip for 6 hours or more
• Baggage delay Can reimburse for clothing and personal items if your luggage is delayed more than 24 hours
• Loss or damage to baggage or personal effects Can reimburse for loss or damage to baggage or personal effects that occur during the trip.

For additional information on Part B: Post-Departure Benefits, see plan and pricing details , opens in a new window .

Part B: Post-departure Vacation Protector includes insurance benefits and assistance services. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company depending on the insured's state of residence. AGA Service Company is the licensed producer and administrator of these plans, 9950 Mayland Dr., Richmond, VA 23233.

LOWEST PRICE GUARANTEE (PROVIDED BY DELTA VACATIONS)

If Delta Vacations advertises an identical vacation at a lower price, Delta Vacations will guarantee that price. The advertised vacation must be available and include the same air components (including air fare class), hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS. Refunds for the difference in the package price will be issued in the original form of payment.

Below, you'll find information on how to request the Lowest Price Guarantee along with lowest price guarantee terms and conditions.

To request the Lowest Price Guarantee 10 days or more before departure:

• Create a new reservation with lower price and place on hold.
• Note: Some reservations may require confirmation with a credit card.
• Contact Delta Vacations at 1-800-800-1504, 6:00 am - 11:00 pm CST.
• If the new reservation qualifies, the travelers will receive confirmation of the new reservation at the adjusted price. Previous reservation will be refunded to the original form of payment.

To request the Lowest Price Guarantee within 10 days of departure:

• Create a new reservation and confirm with credit card.
• If the new reservation qualifies the travelers will receive confirmation of the new reservation at the adjusted price. Previous reservation will be refunded to the original form of payment.

Travel Protection PLUS and Lowest Price Guarantee Terms and Conditions

• The Travel Protection Plan PLUS cannot be applied to Miles to Go or upgraded bookings.
• Lowest Price Guarantee is on the total package price, not component to component.
• All components must be available at the time of the new reservation.
• Lowest price guarantee must be on the exact same vacation package including the same dates, air components, hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS.
• Lowest price guarantee is allowed to be used only one time per booking and may be exercised up to the time of departure.
• Promotional codes applied to the original reservation must be valid at the time of the lowest price guarantee request to maintain promotional code discount. If the promotional code is no longer valid, a new promotional code can be applied, as long as all terms and conditions are met.
• Lowest price guarantee does not apply to group reservations.
• Lowest price guarantee cannot be purchased separately and is only available through the Travel Protection Plan PLUS program.
• Delta Vacations is the final authority on the interpretation of these rules and reserves the right to change these terms and conditions without prior notice.

Travel Protection Plan Terms & Conditions

Redemption Instructions

• Contact Delta Vacations at 1-800-800-1504 or online at delta.com/vacations.
• Enter/provide the 12-digit travel certificate number printed on the front of the travel certificate document during the payment step.
• Provide additional form of payment, if necessary.
• Delta Vacations will issue and send your travel documents via the delivery method requested during the booking process.

Redemption Terms and Conditions

• Travel certificate is valid for the value indicated on the front of the travel certificate document, when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel only; or hotel and car or ground transportation package purchase.
• Travel certificate can be redeemed in its entirety or in increments up to the value or balance remaining on the certificate.
• If the price of the booking is more than the value of the travel certificate, an additional form of payment for the remaining balance will be necessary to complete the transaction.
• Travel documents for the redeemed travel certificate will be issued, and sent via the delivery method identified during the booking process.
• Purchases with this travel certificate will be deducted from the balance until the value reaches zero or until the expiration date is reached, whichever occurs first.
• No refunds or credits will be issued for any unused portion of the travel certificate.
• Travel certificate is not valid for use toward the purchase of Group bookings, ski bookings, gift cards or another travel certificate.
• The expiration date for this travel certificate is printed on the front of the travel certificate document; the travel certificate is valid for payments made prior to the expiration date.
• Extensions to the expiration date will not be permitted, and travel certificate is not rechargeable.
• Lost, stolen or destroyed travel certificates will not be replaced.
• Travel certificate is void if altered or sold, is nontransferable, nonrefundable, may not be redeemed for cash, has no resale value, and is valid for use only by the person(s) indicated on the front of the travel certificate document.
• Travel certificate is not retroactive, and cannot be applied as alternative payment to reservations already paid in full.
• If a booking using a travel certificate as payment is cancelled, any remaining value after applicable cancellation fees have been deducted will be refunded back to the original travel certificate, and all terms of the original travel certificate, including original expiration date, will apply.
• Travel certificate cannot be redeemed for an Delta Vacations reservation with the same origin and destination and the same departure and arrival dates as the original trip that the travel certificate was issued for.
• Must be redeemed through Delta Vacations, and is not valid for redemption through Delta Air Lines or its website, delta.com.
• Delta Vacations must issue all airline tickets and travel documents.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these Terms and Conditions without prior notice.
• Travel Agents: Travel certificate can be redeemed via our agent website or Reservations.

For balance and expiration date inquiries, refer to the contact information on the front of the travel certificate document.

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Travel insurance from Allianz Assistance

Did you mean international health insurance.

Allianz Care provides dummy International Health Insurance which covers the individual for multi-country day-to-day medical care as well as longer-term medical care for example chronic illness, hospital stays, out-patient treatment and much more. International health insurance is designed for people who:

• Are living abroad for a few months or years due to work, study or lifestyle.
• Are based in their home country, but spend long periods of time abroad each year due to their work or lifestyle.
• Are based in their home country, but want to be able to get medical treatment abroad because they believe the quality of medical care may be better than what’s available locally.

Flexicare Short-term international health insurance

Travel Insurance

Still not sure which option is the best .

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Allianz Ticket Protection

Protect your tickets. Enhance your experience.

Ticket protection can give you 100% of your Ticketmaster ® or Live Nation ® ticket costs back—including taxes and fees—if you or a member of your group can’t go due to a covered situation like a traffic accident, covered illness, injury, and more.

If the Show Goes on Without You

Ticket protection can prepare you for the unexpected—providing reimbursement if you or an event companion can’t attend the event due to a wide range of covered reasons, which can include situations like:

Please review your Certificate of Insurance/Policy for more details. Covered reasons, limits, and exclusions vary by plan and state of residence.

"The process took a lot of stress out of a very stressful medical situation."

"My husband lost his job and it was a major blessing to get our money back. Thank you!"

"Thank you for not giving me the extra headache after being in a car accident and missing a concert."

Need more time to think? Consider our Free Review Period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a full refund, provided you haven’t started your event or initiated a claim. Premiums are nonrefundable after this period.

Make it an experience you’ll never forget with award-winning assistance

Ticket protection plans with the Viewer Advantage—a 24-hour assistance service that can help with event parking information, hotel reservations, transportation arrangements, and other experience enhancements.

A Trusted Partner

We are a leader in the specialty insurance and assistance industry. Every year, over 70 million people choose us to protect their event ticket purchases, travel plans and registration fees. Allianz Ticket Protection is designed to enhance live experiences with peace of mind, and our award-winning assistance team is always available to help. We are proud to be a part of the Live Nation and Ticketmaster community and a sponsor to Live Nation Entertainment venue events.

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A Quick & Easy Guide to AAA Travel Insurance

Last Updated: May 24, 2024 May 24, 2024

American Automobile Association — commonly called AAA or Triple A — is probably best known as the organization that provides roadside assistance to its members. However, their members also benefit from AAA’s long standing partnership with Allianz Global Assistance, a leading travel insurance provider . 

The good news? You don’t have to be a member to get trip coverage from Triple A, so let’s take a closer look at what you can expect from AAA travel insurance .

What Does Travel Insurance from AAA Cover?

AAA trip insurance coverage options can vary depending on your location and travel destination . The plan you choose also influences what coverage is available. That said, travel insurance from AAA often includes coverage for:

• Trip cancellations
• Trip interruptions
• Travel delays
• Trip changes
• Emergency medical and dental care
• Emergency evacuations
• Baggage loss, theft, damage, or delay

Additionally, AAA travel insurance policies also provide 24-hour assistance to help you with emergencies, ranging from lost passports to ongoing medical monitoring.

Members will also enjoy travel benefits through AAA. These may include:

• Discounts on car rentals and hotels
• Special vacation packages
• A reloadable, prepared credit card
• Assistance with visas, passport photos, and international driving permits

What’s Not Covered by AAA Travel Insurance?

AAA trip insurance policies, like most insurance policies, may exclude coverage for certain perils. For example, your injury likely won’t be covered if it occurred while taking part in criminal or high-risk activities. Intoxication and drug use might also curtail your coverage.

Moreover, your policy may not cover cancellations for some events. This often includes events that were public knowledge when you booked your trip, so check the Coverage Alerts page before you purchase travel insurance from AAA.

Finally, AAA travel insurance only covers named insured — that is, individuals specifically mentioned in the plan. That means your family members or travel companions are only covered if you name them in your policy.

Coverage details can vary, so be sure to review your policy documents before you leave for your trip.

AAA Trip Insurance Plans

AAA offers single-trip insurance plans that depend on your state of residence and destination. Requesting a quote generally returns three plan levels with various coverage options and premiums: TripProtect Deluxe II, TripProtect Select II, and TripProtect Cancel Anytime.

Each of these plans included coverage for:

• Lost document fees.
• Flight changes for covered events.
• Changes to or a missed port of call.
• Required vaccinations.
• Trip cancellations, delays, or interruptions.
• Emergency medical and dental care.
• Emergency transportation.

None of the travel plans covered rental cars, but AAA does offer an add-on to cover that cost if your trip is interrupted as well as the cost of damage or theft of your rental car.

TripProtect Deluxes has the highest coverage limits. However, the TripProtect Cancel Anytime plan is a cancel for any reason policy , which may be attractive for some trip planners.

How to Get AAA Trip Insurance Quotes

Getting a quote from AAA for travel insurance is easy. You simply go to the AAA’s travel insurance page and click the “Get your quote now” button. From there, you enter your state of residence, total trip cost, destination, departure and return dates, initial deposit date, and the ages of every traveler. Once you do this, you’ll receive information about the available plans. Be sure to click the View Plan Comparison button. This will give you a side-by-side comparison coveages and amounts.

How Much Does AAA Travel Insurance Cost?

Your travel insurance premium depends on the cost of your trip and the plan you choose. To give you an idea of what travel insurance from AAA might cost, we plugged in information for a 7-day, $12,000 trip for one traveler leaving from Illinois. Prices ranged between $505 for the TripProtect Select II plan to $704 for the TripProtect Cancel Anytime plan.

The prices for the same trip for a family of three were between $377 and $534.

Frequently Asked Questions About AAA Trip Insurance

Here are answers to some of the more frequently asked questions about travel insurance from AAA.

Does AAA Offer Overseas Travel Insurance?

AAA offers coverage for both domestic and international travel. Cancel for any reason trip insurance may be more difficult or even unavailable or some overseas travel.

Does AAA Cover Flight Cancellation?

AAA can cover flight delays and cancellations. How and when these events are covered depend on your specific policy, but travel insurance from AAA often reimburses you for meals, transportation, and accommodations if a covered event delays your flight for a minimum number of consecutive hours.

Is Allianz Part of AAA?

Allianz has been a travel insurance partner of AAA for over 30 years. The insurer holds an A+ rating from AM Best and has been accredited with the Better Business Bureau since 1991.

Is AAA Travel Insurance Worth It?

Travel insurance is almost always worth the cost, if only because it brings you peace of mind that your vacation is protected should something go wrong. But is travel insurance from AAA worth it? That depends on your particular situation.The best way to decide if travel insurance from AAA is the right coverage for you is to compare policies.

Get quotes from several trip insurance providers, and take a good look at the coverage and cost. When you find the policy that gives you the protection you need at a premium you can afford, you’ve found the right one.

Written by Virginia Hamill

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Generali Global Assistance

Learn about travel insurance plans offered through Generali Global Assistance and how they compare.

Generous coverage amounts for emergency medical expenses and evacuation

Customize your plan with select add-on coverages

Cancel for any reason (CFAR) coverage available with Premium plan

Preexisting conditions coverage available with Premium plan

Preferred pricing for families

CFAR coverage only reimburses at 60% and must be purchased within 24 hours of initial trip deposit

Baggage delay benefits require a minimum delay of 12 to 24 hours (depending on plan)

No annual plans

What Generali Global Assistance Is Known For

Generali Global Assistance keeps things simple by offering three main travel insurance plans for consumers: the basic Standard plan, the mid-tier Preferred plan and the Premium plan with superior coverage. These plans stand out in several areas, including their relatively high limits for emergency medical expenses and emergency medical evacuation, robust coverage amounts for travel delays, included concierge services, and 24-hour travel assistance.

The company's Premium plan offers the most coverage and highest policy limits by far, as well as access to several add-ons you can't purchase with other plans. For example, the Premium plan from Generali Global Assistance includes coverage for preexisting medical conditions, but only if travel insurance is purchased within 24 hours of making a final trip payment. This is unique from many other plans that cover preexisting conditions, which typically require you to purchase travel insurance within a few weeks of making an initial trip deposit instead.

This top-tier plan also includes rental car coverage automatically, and it's the only plan from Generali that lets consumers add on cancel for any reason (CFAR) travel insurance . With this type of insurance, individuals can cancel their trip for any reason and get part of their upfront costs back.

With CFAR coverage from Generali Global Assistance, however, travelers are only reimbursed up to 60% for prepaid travel expenses like airfare, hotels and tours. This is less than you'll get with many other travel insurance plans that let you buy CFAR coverage and reimburse at 70% to 80% of prepaid trip costs. Not only that, but you can only add CFAR coverage to a plan if you purchase travel insurance within 24 hours of making an initial deposit on your trip.

Generali Global Assistance Travel Insurance for Individual Trips

Generali Global Assistance offers three tiers of travel insurance protection to choose from. The basic Standard plan includes essential coverage with lower limits, and the Preferred and Premium plans offer more coverages with higher limits and more optional benefits.

The chart below highlights what you'll get with each of the travel insurance plans from Generali Global Assistance, plus the policy limits that apply.

  As you compare travel insurance plans from Generali Global Assistance, you should know about some of the fine print terms that can apply. The most important details are highlighted below:

• Baggage delays: This coverage doesn't kick in until at least 24 hours with the Standard plan, 18 hours with Preferred coverage and 12 hours with the Premium plan.
• Baggage insurance: Items lost in baggage without a receipt are reimbursed at 75% of actual cash value (not replacement value).
• Sporting equipment: Sports equipment that's lost or stolen in baggage without a receipt will be reimbursed at 75% of actual cash value (not replacement value).
• Sporting equipment delays: This coverage requires an 18-hour delay with the Preferred plan and a 12-hour delay with the Premium plan.
• Travel delay coverage: This protection kicks in after a 10-hour delay with Standard plans, a delay of eight or more hours with the Preferred plan, and a six-hour delay with the Premium plan.

Generali Global Assistance Travel Insurance Costs

Costs for travel insurance from Generali Global Assistance vary based on the plan you select, the number of travelers in a plan, the total cost for a trip, the age of travelers and other factors. To help you get an idea of how much you'll pay for a plan, we applied for travel insurance quotes for several different trips that cost between $2,500 and $14,000.

Generali Global Assistance is accredited with the Better Business Bureau, where it also has an A+ rating. However, the company has a very low average star rating of just 1.11 out of 5 stars across 300-plus user reviews on the platform. The company has also closed more than 500 customer complaints with the BBB in the last three years, 258 of which were resolved in the last 12 months.

Generali has a 4.57 rating out of 14,000-plus reviews on InsureMyTrip and a 4.33 rating out of about 4,500 reviews on Squaremouth. On Trustpilot, the company has an average star rating of 3.4 out of 5 stars across more than 400 reviews from past customers. Below, we listed examples of positive and negative user reviews from several platforms that show some of the best and worst attributes of the company.

I've used Generali Travel Insurance in South America and Japan

I've used Generali Travel Insurance in the past. I like the website purchase as it is straightforward and displays 3 options with clear coverage. It only asked a few questions to filter the individual to the right product. – Richard S. via Trustpilot

Generali Global Assistance Standard

Generali was professional and courteous. I had to file a medical cancellation claim and it was easy to file and was resolved very quickly. Generali was great and I would use them again. – Edward K. via InsureMyTrip

Policy: Standard

My experience with Global was very good. The only issue was a computer glitch in their new claim system. It was a little confusing at times but my claim agent was very helpful and helped me get through the process. They settled my claim much faster than I anticipated. It was overall, a good experience. – Katherine via Squaremouth

If I could give this company 0 stars I would. My wife went into labor and they refused to refund us our vacation rental booking because they didn't consider a woman going into labor as an emergency. We even talked to them before canceling and they told us to cancel the whole booking to get our full refund. This is a HORRIBLE company that needs to be investigated thoroughly. Shame on VRBO for using them as a travel insurance company. – Tanner B. via Better Business Bureau

If I could give zero stars I would

If I could give zero stars I would. I think the people (or bots) giving higher stars have not had to make a claim. I was diagnosed with AML and will be hospitalized for a month to receive a stem cell transplant and needed to cancel my trip. I have uploaded all the documentation they requested. I have not been able to talk to an actual person. I have tried 4 different phone numbers and sent emails to the suggested address only to get an automated response. This company is a complete scam! – Denise via Trustpilot

Why Trust U.S. News Travel

Holly Johnson is a travel writer who covers topics like travel insurance, family travel, all-inclusive resorts and cruises. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who sells travel insurance through their travel agency, Travel Blue Book .

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A&K Travel Group Launches Travel Protection with Allianz Partners

Downers Grove, IL and Richmond, VA, December 3, 2023 — A&K Travel Group (AKTG), the global lifestyle and travel brand and parent company of Abercrombie & Kent (A&K) , has announced it has selected Allianz Partners  to offer travel protection products to its valued guests. A&K pioneered luxury travel adventure more than 60 years ago and is today the world’s premier luxury travel company, with an unrivaled legacy of creating memorable, inspiring adventures in more than 100 countries on all seven continents. A&K selected Allianz to provide travel insurance and assistance products based on Allianz’s global network and focus on coverage, service and innovation. 

Allianz trip protection includes benefits for covered unexpected cancellations, interruptions, travel delays and missed connections, as well as benefits for unforeseen medical emergencies and baggage issues covered under the plan. Abercrombie & Kent guests can also take advantage of Allianz’s award-winning travel assistance and concierge services.

A&K guests will have access to a custom suite of products that can provide coverage up to 100% of the insured trip cost if insured customers need to cancel or interrupt their trip for a reason covered by their plan.* Additional benefits under the plans include up to $100,000 in coverage for covered medical emergencies, up to $1,000,000 for covered emergency medical transportation costs as well as coverage for lost, delayed or damaged baggage.

“As we continue to roll out our global “One A&K” strategy that connects and synergizes our A&K and Crystal brands across the world, it became apparent that we needed a travel protection partner that shared our dedication to an unparalleled guest experience,” said Cristina Levis, CEO of A&K Travel Group. “Allianz not only provides industry-leading travel protection products and assistance services, but is solidly focused on creating an outstanding customer experience.  We’re thrilled to partner with them to offer our guests the coverage, service and peace of mind that leads to a worry-free journey.”

“We are humbled by the opportunity to partner with A&K Travel Group, which has been providing unforgettable journeys for its guests for more than 60 years,” said Tom Trotta, Vice President of Sales and Partnerships at Allianz Partners USA.  “We look forward to joining them in their quest to redefine travel and exceed expectations for their valued guests.  A&K guests who select our trip protection plans can enjoy their trip knowing that we’re here to protect them from the costs of covered unexpected cancellations, interruptions and delays, as well as other situations covered by their policy.”

A&K guests who select Allianz Travel Insurance will also have access to Allianz’s award-winning TravelSmart™ mobile app. The TravelSmart app includes an Alert Center feature which provides users with location-specific travel alerts, and is the fastest, easiest way to access a travel insurance plan, file and manage a claim, track flights, receive live updates for delays and contact 24-hour travel assistance services with the touch of a button.

Press contacts

Abercrombie & Kent

Janice Yu |  [email protected] Jean Fawcett | [email protected]     

Allianz Partners   Robin Magrisi / [email protected]    Megan Derks / [email protected]    

About Abercrombie & Kent (A&K)

https://www.abercrombiekent.com/

A&K pioneered luxury adventure travel with our first African safaris in 1962, and today our award-winning travel services extend around the globe to more than one hundred countries on all seven continents. Private jet and small group journeys, tailor made itineraries and luxury expedition cruises deliver beyond-the-guidebook experiences with support from more than 55 local offices. A&K is committed to giving back by ensuring that communities benefit from their natural heritage. Join the world of A&K on Facebook , Twitter: @AKTravel USA  and Instagram: aktravel usa .

About Allianz Partners Allianz Partners   (AGA Service Company) is a leading consumer specialty insurance and assistance company with operation centers in 35 countries. AGA Service Company is doing business as Allianz Global Assistance Insurance Agency in California (License # 0B01400) and Massachusetts. In the United States, the company offers Allianz Travel-branded travel protection plans and served millions of customers last year. In addition to travel insurance, the company offers tuition insurance, event ticket protection, registration protection for endurance events and unique travel assistance services such as international medical assistance and concierge services. The company also serves as an outsource provider for in-bound call center services and claims administration for property and casualty insurers and credit card companies.

*For Allianz Partners USA products offered and sold in the U.S.: Terms, conditions, and exclusions apply to all plans. Plans are available only to U.S. residents. Not all plans are available in all jurisdictions. Availability of coverage, including epidemic-related benefits and covered reasons described here, varies by product and by state. Products may not include all benefits or covered reasons described here. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums. Benefits and limits vary by plan. For a complete description of the benefits and benefit limits offered under your specific plan, carefully review your plan’s Letter of Confirmation/Declarations and Certificate of Insurance/Policy. Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakbrook Terrace, IL), rated "A" (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated "A+" (Superior) by A.M. Best Co., under Jefferson Form No. 101‐C series or 101‐P series, depending on state of residence. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Except as otherwise specified, AGA Service Company d/b/a Allianz Global Assistance is the licensed producer and administrator of Allianz Travel-branded travel protection plans in the U.S. and an affiliate of Jefferson Insurance Company. Allianz Global Assistance and TravelSmart are marks of AGA Service Company or its affiliates. The insured shall not receive any special benefit or advantage due to the affiliation between Allianz Global Assistance and Jefferson Insurance Company. Plans include insurance and assistance services. Noninsurance benefits/products are provided and serviced by Allianz Global Assistance.

Allianz welcomes Hanna Kam as chief risk officer and Jason Howes as chief transformation officer

Allianz uk has today made two key changes to its most senior leadership layer, welcoming hanna kam to the company as chief risk officer, and promoting jason howes to chief transformation officer..

The senior moves reflect an ongoing strategic drive to grow and strengthen Allianz in the UK and follow recent steps to build wider consumer and market awareness of the Allianz brand.

Colm holmes , allianz holdings ceo, commented:  “john has played a key role in the history of allianz uk, including as chief underwriting officer of personal lines, alongside setting up the joint venture with lv= and then navigating covid and more recent market challenges as chief risk officer. he helped to bring the different parts of our business together to create one allianz. i’d like to thank john for his huge contribution.”.

Allianz has also today announced the creation of the new role of chief transformation officer , which will be taken up on 1 June by Jason Howes.

Both roles will report to Colm Holmes , who added:  “This is a pivotal and exciting time for us as we align our businesses to deliver the combined strength of one Allianz, and work towards becoming the number one general insurer in the UK. These two senior leaders take up vitally important roles and will help drive our strategic momentum for growth. I’m delighted Hanna is joining us, she brings a wealth of global insurance industry experience and a compelling blend of board, risk and regulatory exposure. She has a track record of strong leadership and excels at delivering change and results in complex environments. Her insights will be invaluable in supporting the overall growth strategy for the business. And as we move our business forward, it is imperative that we continue to manage major change projects effectively, so we have created a new role of chief transformation officer, which I am delighted to welcome Jason into. He’s achieved a huge amount at Allianz and I’m sure he will continue to do so.”

About Allianz Holdings plc

Allianz Holdings plc is the non-regulated holding company which owns the principal insurance operations of Allianz SE in Great Britain including Allianz Insurance.

About Allianz

The Allianz Group is one of the world's leading insurers and asset managers with around 125 million* private and corporate customers in nearly 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 737 billion euros** on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage about 1.7 trillion euros** of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2023, over 157,000 employees achieved total business volume of 161.7 billion euros and an operating profit of 14.7 billion euros for the group.

* Including non-consolidated entities with Allianz customers.

**As of December 31, 2023.

Mandatory corporate information: Corporate disclosures

These assessments are, as always, subject to the disclaimer provided below.

Cautionary note regarding forward-looking statements

This document includes forward-looking statements, such as prospects or expectations, that are based on management's current views and assumptions and subject to known and unknown risks and uncertainties. Actual results, performance figures, or events may differ significantly from those expressed or implied in such forward-looking statements.

Deviations may arise due to changes in factors including, but not limited to, the following: (i) the general economic and competitive situation in the Allianz’s core business and core markets, (ii) the performance of financial markets (in particular market volatility, liquidity, and credit events), (iii) adverse publicity, regulatory actions or litigation with respect to the Allianz Group, other well-known companies and the financial services industry generally, (iv) the frequency and severity of insured loss events, including those resulting from natural catastrophes, and the development of loss expenses, (v) mortality and morbidity levels and trends, (vi) persistency levels, (vii) the extent of credit defaults, (viii) interest rate levels, (ix) currency exchange rates, most notably the EUR/USD exchange rate, (x) changes in laws and regulations, including tax regulations, (xi) the impact of acquisitions including related integration issues and reorganization measures, and (xii) the general competitive conditions that, in each individual case, apply at a local, regional, national, and/or global level. Many of these changes can be exacerbated by terrorist activities.

No duty to update

Allianz assumes no obligation to update any information or forward-looking statement contained herein, save for any information we are required to disclose by law.

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