Allianz is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs.
Business Insider compared Allianz Travel Insurance to the best travel insurance companies and found it to be a standout offering, with a vast array of plans, very accessible preexisting condition coverage, and high CFAR coverage. However, it's one of the more expensive travel insurance options.
Allianz Travel Insurance Pros and Cons
Allianz Travel Insurance Pros
- Higher reimbursement for CFAR coverage
- Preexisting condition waivers included with cheapest plan
- SmartBenefit offers reimbursement with faster claims process
- Free coverage for children
Allianz Travel Insurance Cons
- Relatively high premiums for younger travelers
Get a Quote
- Good option for frequent travelers thanks to its annual multi-trip policies
- Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
- Some plans include free coverage for children 17 and under
- Concierge included with some plans
- Coverage for medical emergency is lower than some competitors' policies
- Plans don't include coverage contact sports and high-altitude activities
- Single and multi-trip plans available
- Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
- Preexisting medical condition coverage available with some plans
Compare Allianz Travel Insurance
$308
N/A
- Zero Complaint Guarantee
- Streamlined comparison platform
- Variety of partnered travel insurance companies
- Customer service team is difficult to reach
SquareMouth is an online marketplace that helps you choose a travel insurance policy from 32 companies that shares a comprehensive, streamlined overview page for each insurance provider.
SquareMouth Travel Insurance
874
A++
- Policy coverage includes most pre-existing health conditions
- Generous medical and evacuation amounts for peace of mind
- COVID coverage included by default on all insurance plans
- Offers a wide range of plans for various budgets and travel needs
- Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- Limited add-on coverage options
- Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
Tin Leg- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Options to cover sports equipment
- Option to increase medical coverage
- Can cancel up to 48 hours before travel when CFAR option is purchased
- Affordable coverage for budget-conscious travelers
- Includes generous baggage delay, loss and trip delay coverage
- Optional "adventure sports" bundle available for riskier activities
- Pricier than some competitors with lower coverage ceilings
- Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the U.S. providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.
Travelex Travel Insurance- Optional CFAR insurance available with the Ultimate plan
- Travel delay insurance starting at $500 with the Advantage plan
- Emergency medical and dental coverage starting at $15,000
Allianz Travel Insurance Overview
Allianz Travel Insurance is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance. With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes.
While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single-trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its OneTrip Prime and Premier plan.
Additionally, Allianz offers very accessible coverage for people with preexisting medical conditions. While many travel insurance companies offer preexisting condition waivers with their most expensive plans, Allianz's basic plan offers the waiver.
It's worth noting that Allianz travel insurance is relatively expensive compared to its competitors, especially for younger travelers. That said, its Prime and Premier plans cover kids 17 and under for free when traveling with an insured parent or grandparent. As such, Allianz makes a great choice for family travel insurance.
Allianz Travel Insurance Plans and Coverages
Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance.
The company's travel insurance policies can include the following coverage benefits:
- Trip interruption coverage, which can help recoup costs if you leave a trip early.
- Travel delay, which can cover some costs if you need additional accommodations due to a delay in travel.
- Emergency medical transportation, which covers transportation to a hospital for eligible illnesses and injuries.
- Emergency medical expenses in case of a dental or medical emergency.
- Baggage delay, which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
- Baggage loss or damage, which can help recoup some costs if your bag is lost, stolen, or damaged.
- Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
- Travel accident coverage, which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
- Support via a 24-hour hotline
Allianz Single-Trip Plans
The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.
One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.
A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.
The coverage limits available vary by plan. Here's an overview of what each policy covers:
| Coverage | OneTrip Basic | OneTrip Prime | OneTrip Premier |
| Trip interruption | $10K | $150K | $150K |
| Trip cancellation | $10K | $100K | $100K |
| Trip delay | $300 ($150/day) | $800 ($200/day) | $1.6K ($200/day) |
| Baggage delay | $200 | $300 | $600 |
| Baggage loss or damage | $500 | $1K | $2K |
| Emergency medical transport | $50K | $500K | $1 million |
| Emergency medical care | $10K | $50K | $50K |
| Preexisting condition coverage | Included when purchased within 14 days of first trip deposit | Included when purchased within 14 days of first trip deposit | Included when purchased within 14 days of first trip deposit |
| Epidemic coverage endorsement | Included | Included | Included |
| 24-hour hotline | Included | Included | Included |
| Concierge services | N/A | Included | Included |
Other OneTrip Premier benefits not mentioned in the table above include:
- Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
- Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
- Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
- Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
- Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more
OneTrip Premier and Prime also have a SmartBenefits option, which reimburses you for a flat $100 per day for trip delays and baggage delays. Using this benefit means you don't have to sent receipts of your expenses, just proof that your flight was delayed, simplifying the claims process.
OneTrip Emergency Medical
OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.
- Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
- Travel accident coverage, up to $10,000
- Emergency medical transportation, up to $250,000
- Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
- Baggage delay, up to $750 with a delay of 12 hours or more
- Baggage loss or damage, up to $2000
- Epidemic coverage endorsement
- Support via a 24-hour hotline
- Concierge services included
Allianz OneTrip Cancellation Plus
The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:
- Travel interruption coverage, up to $5,000
- Trip cancellation coverage, up to $5,000
- Travel delay, up to $150 with delays of six hours and beyond
- Epidemic coverage endorsement
- Support via a 24-hour hotline
Allianz Multi-Trip Plans
The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.
The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.
The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.
Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.
| Coverage | AllTrips Basic | AllTrips Prime | AllTrips Premier |
| Trip interruption | None | $3K | $2K-$10K |
| Trip cancellation | None | $3K | $2K-$10K |
| Travel accident coverage | $25K | $25K | $50K |
| Trip delay | $600 ($200/day) | $600 ($200/day) | $1.5K (300/day) |
| Baggage delay | $200 | $200 | $2K |
| Baggage loss or damage | $1K | $1K | $2K |
| Business equipment | N/A | N/A | N/A |
| Emergency medical transport | $100K | $100K | $500K |
| Emergency medical care | $20K | $20K | $50K |
| Epidemic coverage endorsement | Included | Included | Included |
| 24-hour hotline | Included | Included | Included |
| Concierge services | Not included | Included | Included |
| Preexisting condition coverage | Not included | Available | Available |
| Rental car damage and theft coverage | Up to $45K | Up to $45K | Up to $45K |
Allianz AllTrips Executive
Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:
- Trip interruption coverage, up to $5,000, $7,500, or $10,000
- Trip cancellation coverage, up to $5,000, $7,500 or $10,000
- Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
- Travel accident coverage, up to $50,000
- Emergency medical transportation, up to $250,000
- Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
- Baggage delay, up to $1,000 with a delay of 12 hours or more
- Baggage loss or damage, up to $1,000
- Rental car damage and theft coverage, up to $45,000
- Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
- Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
- Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
- Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
- Epidemic coverage endorsement
- Support via a 24-hour hotline
- Concierge services included
- Preexisting condition coverage available when purchased within 15 days of first trip deposit
Additional Coverage Offered by Allianz Travel Insurance
Aside from the travel insurance policies from Allianz Allianz Travel Insurance listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.
OneTrip Rental Car Protector
If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:
- Trip interruption coverage, up to $1,000
- Baggage loss or damage, up to $1,000
- Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen
- Support via a 24-hour hotline
On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.
Cancel For Any Reason
An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage.
What's Not Included with Allianz Travel Insurance?
Allianz Allianz Travel Insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:
- Acts of violence, such as war, terrorism, and civil unrest
- Risky adventure sports
- Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
- Flying
- Pollution
- Any travel alerts or government regulations and more
If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.
Allianz Travel Insurance Cost
How much travel insurance costs with Allianz Allianz Travel Insurance will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:
- Your destination
- Travel dates
- Your age
- The state you live in
- The total cost of the trip
A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Allianz travel insurance quotes:
- $102 for OneTrip Basic (3.4% of trip cost)
- $151 for OneTrip Prime (5% of trip cost)
- $184 for OneTrip Premier (6.1% of trip cost)
A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:
- $153 for OneTrip Basic (3.8% of trip cost)
- $195 for OneTrip Prime (4.9% of trip cost)
- $270 for OneTrip Premier (6.8% of trip cost)
A Texas family (two 40-year-old parents with a 10-year-old and 4-year-old) taking a two-week trip to Australia for $20,000.
$676 for OneTrip Basic (3.38% of trip cost)
$482 for OneTrip Prime (2.41% of trip cost)
$610 for OneTrip Premier (3.1% of trip cost)
A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:
- $298 for OneTrip Basic (5% of trip cost)
- $400 for OneTrip Prime (6.7% of trip cost)
- $540 for OneTrip Premier (9% of trip cost)
Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance, which ranges from 4% to 8%.
That said, travel insurance is generally on the lower end of that range for younger travelers, often even below that range, and the opposite goes for older travelers. While travel insurance for older travelers is more affordable with Allianz, its premiums for younger travelers is on the higher end, compared to its competitors.
Allianz Annual Multi-Trip Estimates
To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:
- Insurance start date
- Your age
- Your state of residence
A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:
- Allianz Basic: $125
- Allianz Premier: $249
- Allianz Executive: $459
A 60-year-old couple from Texas will pay the following:
- Allianz Basic: $63 per traveler, $126 total
- Allianz Premier: $217.50 per traveler, $435 total
- Allianz Executive: $485 per traveler, $970 total
How to Purchase and Manage an Allianz Travel Insurance Policy
You'll want to purchase your Allianz policy soon after you book a trip and make an initial trip deposit.
Once you consider your needs and options, you can start the purchasing process by requesting a quote on Allianz website. You'll need to provide your age, trip cost, home state, travel dates, and booking date.
Depending on your policy and when you booked the trip, you may be eligible for add-ons like CFAR coverage or preexisting condition waivers as long as you purchase your policy within the specified time frame.
Note that you have a 15-day free look period after purchasing, which means you can cancel the policy during this time and receive a refund.
Filing A Claim with Allianz Travel Insurance
If you purchase a travel insurance policy through Allianz Allianz Travel Insurance and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app. Claims must be filed within 91 days of your loss.
To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.
If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.
The Allianz mailing address is:
Allianz Global Assistance
P.O. Box 71533
Richmond, VA 23255-1533
Allianz provides some assurances for customers regarding claims. If a claim is approved but Allianz doesn't pay out within 60 days, customers are entitled to interest on their claim amount at 18% APY.
Allianz Travel Insurance Customer Reviews and Ratings
Allianz travel insurance is well-reviewed among customers, receiving an average of 4.1 on Trustpilot and 4.21 on its Better Business Bureau page. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. Negative reviews mentioned that Allianz requires a high burden of proof when filing claims.
Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store.
Oftentimes, online reviews of travel insurance companies are overwhelmingly negative as reviews are often left by people with something to say, which is usually negative. Additionally, many positive reviews of travel insurance companies are left by people who had a good purchasing experience, but never had to file a claim. As such, it's noteworthy that Allianz reviews are so positive and that positive reviews have positive things to say about the claims process..
Let's look at some third-party ratings for a more well-rounded view of Allianz as a provider. For starters, Allianz doesn't underwrite its own insurance. Instead, your policy will be underwritten by one of two companies: BCS Insurance or Jefferson Insurance Company.
BCS Insurance has a low rate of complaints compared to its share of the market, according to the National Association of Insurance Commissioners' Company Complaint Index. Where anything above 1.0 indicates a higher number of complaints than average, BCS Insurance has a 0.07.
Jefferson Insurance Company fares a little worse, scoring a 0.26 on the Company Complaint Index, which is still below the expected number of complaints.
AM Best gave BCS Insurance an A- (Excellent) financial stability rating and gave Jefferson Insurance company an A+ (Superior). These scores indicate that both companies are likely to fulfill their financial obligations, like paying claims.
Allianz Travel Insurance Alternatives
See how Allianz stacks up against the competition.
Allianz Travel Insurance vs. AXA Travel Insurance
Competitor AXA AXA Assistance USA covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.
That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.
Read our AXA travel insurance review.
Allianz Travel Insurance vs. HTH Travel Insurance
Allianz Allianz Travel Insurance is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide HTH Worldwide Travel Insurance, has three trip protection options.
TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.
Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.
Read our HTH travel insurance review.
Allianz vs. Credit Card Travel Insurance
A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.
Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.
Read our guide on the best credit cards with travel insurance.
Allianz Travel Insurance FAQs
Yes, Allianz is a good travel insurance company, with very high customer reviews and travel insurance
Allianz covers COVID-19 in all its travel insurance policies, aside from its OneTrip Rental Car Protector Plan.
Allianz OneTrip Premier offers the best coverage at a moderate price, with child-inclusive pricing and a wide array of add-ons.
Yes, Allianz travel insurance needs proof of incident when filing a claim. Reviews from customers show that Allianz has a high burden of proof when it comes to claims filings.
No, Allianz travel insurance, and most insurance companies, do not cover flights that were missed accidentally. However, if you miss the flight for a covered reason, you can get reimbursed.
Why You Should Trust Us: How We Reviewed Allianz Travel Insurance
As part of this Allianz Allianz Travel Insurance travel insurance review, we looked at the best travel insurance companies in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.
Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.
Read more about Business Insider's travel insurance ratings methodology.
