Our Take on Allianz Travel Insurance
Allianz Global Assistance offers a wide variety of plans for comprehensive travel insurance. The established company is popular among business travelers due to its AllTrips Executive travel insurance policy. A special feature of the plan is coverage for lost, stolen or damaged business equipment and additional coverage for rental cars.
Frequent travelers appreciate concierge services to assist with travel plans, along with a 24-hour hotline for emergencies. Allianz also offers annual plans, multi-trip plans and single-trip plans. Policies such as OneTrip Basic provide affordable options for basic travel insurance coverage.
Overall, Allianz travel insurance plans earned 4.1 out of 5 based on our review standards.
Pros and Cons of Allianz Travel Insurance
Pros
Offers specialized plans for business and frequent travelersProvides coverage for unique items in the event of loss or damageOffers a range of plans, including single, multi and annual travel coverage
Cons
Basic insurance may be more expensive than some competitorsAdditional insurance is required to cover some adventure sports
Compare Allianz to the Competition
Use the table below to compare average plan costs, “Cancel For Any Reason” (CFAR) coverage and COVID-19 coverages of all our top travel insurance providers to Allianz Global Assistance:
| Company | Average Plan Cost | BBB Rating | CFAR Coverage | COVID-19 Coverage | Visit Site |
|---|---|---|---|---|---|
| $283 | A+ | Yes, up to 50% | Yes | READ REVIEW |
| $298 | Not Rated | Yes, up to 75% | Yes | GET QUOTE | |
| $242 | A+ | Yes, up to 75% | Yes | GET QUOTE |
| $182 | A+ | Yes, up to 75% | Yes, limited | GET QUOTE |
| $228 | A+ | Yes, up to 60% | Yes | GET QUOTE |
| $273 | A+ | Yes, up to 75% | Yes, limited | GET QUOTE |
| $208 | B | Yes, up to 75% | Yes | GET QUOTE |
| $266 | A- | Yes, up to 75% | Yes, limited | GET QUOTE |
| $72 | A- | Yes, up to 75% | Yes, limited | GET QUOTE |
| $206 | A+ | Yes, up to 75% | Yes | GET QUOTE |
| $241 | A+ | Yes, up to 50% | Yes, limited | GET QUOTE |
| Company | Average Plan Cost | BBB Rating | CFAR Coverage | COVID-19 Coverage | Visit Site |
|---|---|---|---|---|---|
| $283 | A+ | Yes, up to 50% | Yes | READ REVIEW |
| $298 | Not Rated | Yes, up to 75% | Yes | GET QUOTE | |
| $242 | A+ | Yes, up to 75% | Yes | GET QUOTE |
| $182 | A+ | Yes, up to 75% | Yes, limited | GET QUOTE |
| $228 | A+ | Yes, up to 60% | Yes | GET QUOTE |
| $273 | A+ | Yes, up to 75% | Yes, limited | GET QUOTE |
| $208 | B | Yes, up to 75% | Yes | GET QUOTE |
| $266 | A- | Yes, up to 75% | Yes, limited | GET QUOTE |
| $72 | A- | Yes, up to 75% | Yes, limited | GET QUOTE |
| $206 | A+ | Yes, up to 75% | Yes | GET QUOTE |
| $241 | A+ | Yes, up to 50% | Yes, limited | GET QUOTE |
No results were found.
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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.
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Companies Reviewed
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Quotes Collected
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Rating Factors
Allianz Coverage
Allianz offers basic travel insurance with its OneTrip Basic plan and the coverage compares favorably to other providers. It’s marketed as a plan to fit your budget with essentials covered to offer peace of mind. Here are the insurance coverage limits offered by the Allianz OneTrip Basic plan:
- $10,000 of trip cancellation costs
- $10,000 of trip interruption costs
- $10,000 for emergency medical
- $500 for emergency dental expenses
- $50,000 emergency medical transportation
- $500 baggage damage/loss
- $200 baggage delay
- $300 travel delay
Allianz travel insurance coverage extends to other policies to suit a wide variety of travelers looking for a basic plan.
- OneTrip Emergency Medical: This affordable plan doesn’t include trip cancellation or trip interruption benefits. However, it offers emergency medical coverage up to $50,000 and travel accident coverage up to $10,000, among other benefits.
- AllTrips Basic: A more comprehensive plan that provides year-long protection for one low rate. It includes travel delay coverage of up to $600 and emergency medical coverage up to $20,000, along with baggage coverage of up to $1,200.
Optional Riders
Add-ons, also known as insurance riders, are travel insurance options you can add to a policy to increase your coverage. Allianz offers optional trip protection designed to safeguard you from financial losses regarding specific risks or activities.
- Hazardous Sports Travel Insurance: This add-on covers costs associated with certain activities, including deep-sea fishing, skateboarding and wall climbing. Other benefits include trip cancellation coverage for ski vacations of up to $500 and reimbursem*nt of up to $300 for damaged, lost or stolen ski equipment.
- Terrorism Extension Cover: Covers loss, damage or injury in the event of an act of terrorism to you as an innocent bystander of up to $100,000.
- Cancel Anytime: Available with premium policies such as OneTrip Premier, this optional upgrade of cancel for any reason (CFAR) coverage reimburses 80% of non-refundable costs if you cancel your trip for reasons your standard plan may not cover.
- OneTrip Rental Car Protector: This rental insurance product provides coverage for rental car damage with collision, loss and damage up to $50,000. It also includes 24-hour emergency assistance.
- Required to Work: Included with the OneTrip Prime policy, this add-on provides trip cancellation and trip interruption coverage for work-related emergencies.
Policies Offered
The chart below outlines the travel insurance policies offered by Allianz to help you compare plan details and coverage limits.
| Policy Tier | CFAR | Trip Delay | Trip Interruption and Cancellation | Baggage | Medical |
|---|---|---|---|---|---|
| OneTrip Basic Plan | No | $300 ($150 per day limit) | Trip cancellation $10,000; trip interruption $10,000 | Baggage loss/damage $500; baggage delay $200 | Emergency medical $10,000; emergency medical transportation $50,000 |
| OneTrip Prime Plan | Optional upgrade | $800 ($200 daily limit) | Trip cancellation $100,000; trip interruption $150,000 | Baggage loss/damage $1,000; baggage delay $300 | Emergency medical $500,000; emergency medical transportation $50,000 |
| OneTrip Premier Plan | Optional upgrade | $1,600 ($200 daily limit) | Trip cancellation $200,000; trip interruption $300,000 | Baggage loss/damage $2,000; baggage delay $600 | Emergency medical $75,000; emergency medical transportation $1,000,000 |
| OneTrip Emergency Medical Plan | No | $1,000 ($200 daily limit) | No | Baggage loss/damage $2,000; baggage delay $600 | Emergency medical $50,000; emergency medical transportation $250,000 |
| OneTrip Cancellation Plus Plan | No | $150 ($150 daily limit) | Trip cancellation $5,000; trip interruption $5,000 | Baggage loss/damage $1,000; baggage delay $200 | No |
| AllTrips Basic Plan | No | $600 ($200 daily limit) | No | Baggage loss/damage $1,000; baggage delay $200 | Emergency medical $20,000; emergency medical transportation $100,000 |
| AllTrips Prime Plan | No | $600 ($200 daily limit) | Trip cancellation $3,000; trip interruption $3,000 | Baggage loss/damage $2,000; baggage delay $600 | Emergency medical $20,000; emergency medical transportation $100,000 |
| AllTrips Premier Plan | No | $1,500 ($300 daily limit) | Trip cancellation $15,000; trip interruption $15,000 | Baggage loss/damage $2,000; baggage delay $2,000 | Emergency medical $50,000; emergency medical transportation $500,000 |
| AllTrips Executive Plan | $1,600 ($200 daily limit) | Trip cancellation $10,000; trip interruption $10,000 | Baggage loss/damage $1,000; baggage delay $1,000 | Emergency medical $50,000; emergency medical transportation $250,000 |
How Much Does Allianz Travel Insurance Cost?
According to our research, the average cost of Allianz is $265.
The cost of travel insurance depends on a range of factors, including your age, the destination and pre-existing medical conditions you may have. To help you understand costs when you get a quote, we gathered some samples from the Allianz website.
Does Allianz Offer 24/7 Travel Assistance?
Allianz Global Assistance offers 24/7 travel assistance via a multilingual team for all travel insurance plans. The team helps travelers with issues pertaining to policy covered reasons for requiring help. This includes, but isn’t limited to, medical care arrangements, hotel and flight re-bookings and stolen travel documents.
Allianz Travel Insurance Reviews
Allianz travel insurance holds 3.9 out of 5 stars from more than 30,000 reviews on Trustpilot. Many satisfied customers report that the claims process is simple and supportive when unforeseen circ*mstances occur. Among negative reviews, customers mention confusion regarding documents required for submission. In most cases, Allianz responds with offers of further assistance.
Below are some examples of positive and negative company reviews on Trustpilot.
“Great experience. I absolutely will be using again. We had an issue that made us miss our train and we had to book a (more expensive) bus to our destination and I was reimbursed within a week of submitting the claim. As long as you submit ALL papers that even remotely relate to your situation (receipts, emails about cancellations, everything) you will be good if anything happens.” —T. Wilder via Trustpilot
“I’ve insured with Allianz for years in terms of vacation or short term vehicle rental insurance. One never knows how good insurance is until actually used. I’ve had one windshield claim for a vehicle rental with Allianz which went very smoothly.” —John S. via Trustpilotg
“Part of my claim was handled quickly. My medical claim is still under review...I've been asked twice for the same documentation and uploaded both times and haven't heard anything.” —Melissa G. via Trustpilot
“I had to submit and resubmit three times. I was instructed differently on which documents were required to submit, making the process infinitely more confusing. On top of that, the estimated dates I was given for processing of my documents was generous. It took a few days, minimum, to get any kind of response back. Would not recommend and will not be using again. The only benefit is phone service was not busy so got through to someone fairly quickly.” —Eve B. via Trustpilot
How To File a Claim with Allianz
You can file a claim with Allianz Global Assistance online on the File a Claim page or in the TravelSmart app. Alternatively, call 1-866-884-3556 for 24/7 assistance. You need to provide your policy number, departure date and policy type, and the Allianz website will guide you through the process. You’ll need supporting claim documents — the Allianz website has required claims documents for each type of claim.
The process is straightforward, but they also have a video to demonstrate how to file a claim. You can monitor the status of existing claims in the app or online.
Is Allianz Travel Insurance Worth It?
Allianz is a good option for travelers since it offers a broad range of travel insurance policy options to suit almost anyone. From the OneTrip Basic Plan to the AllTrips Premier Plan, each policy provides sufficient coverage for emergency medical and trip cancellations while catering to different budgets and types of trips. All policies offer a high level of emergency assistance with 24/7 access to company support.
The AllTrips Executive Plan is well suited to business travelers, with business equipment and rental equipment coverage included. For all travelers, a choice of optional policy upgrades is useful, including CFAR and OneTrip Rental Car Protector. You can speak to a representative to help you understand which plan is right for you. Whichever policy you choose, Allianz offers affordable safeguards for your travels.
Frequently Asked Questions About Allianz Travel Insurance
Allianz travel insurance reimburses you for financial losses covered by your policy, once you’ve filed and received approval for a claim. Depending on the policy chosen, travel insurance helps to recoup costs from trip cancellations, delayed baggage, medical emergencies and damaged valuables. Policy upgrades and access to 24/7 assistance are available with Allianz travel insurance.
Yes, Allianz is a reputable company. Allianz, the parent company of Allianz Global Assistance, has a history that spans more than 100 years. Partners across the world include travel agencies, airlines and credit card companies. According to Allianz, approximately 55 million travelers use its services.
The price of Allianz travel insurance depends on factors such as the cost of your trip, how long you’re traveling for, your age and pre-existing medical conditions you may have. Based on sample quotes we pulled for a $4,000 trip to Spain for two weeks, it would cost $134 to insure a 40 year-old New York resident under the OneTrip Basic Plan.
We recommend you request a free quote on the Allianz website to check rates and compare options before buying travel insurance.
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Methodology: Our System for Rating Travel Insurance Companies
Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:
- Cost (10%): To determine a baseline average travel insurance cost, we gathered quotes from each travel insurance company based on different traveler profiles. Travel insurance companies at or below our calculated average cost of $221 earn full points in this category. Specifically, we obtained quotes for the following trips
- A 30-year-old couple taking a $5,000 vacation to Mexico.
- A family of four taking an $8,000 vacation to Mexico.
- A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
- A 30-year-old couple taking a $7,000 trip to the United Kingdom.
- A 19-year-old taking a $2,000 trip to France.
- A 27-year-old couple taking a $1,200 trip to Greece.
- A 51-year-old couple taking a $2,000 trip to Spain.
- Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
- Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
- Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursem*nt amounts for baggage, travel and weather delays. Companies that offer customers reimbursem*nt after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
- Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).
A.M. Best Disclaimer
Nicole Leigh WestAuthor
Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.
Tori AddisonEditor
Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.
