Allianz Travel Insurance Review 2024

Allianz travel insurance plans are broken down into two main categories:

• Single-trip travel insurance plans.
• Multi-trip and annual travel insurance plans.

Allianz OneTrip Basic Plan

This is Allianz’s most budget-friendly comprehensive travel insurance plan. It provides core benefits including trip cancellation, trip delay and trip interruption insurance at low limits for those who may not have a lot of pricey nonrefundable trip costs.

Allianz OneTrip Prime Plan

This policy is similar to the OneTrip Basic plan, except it has higher coverage limits and a few more bells and whistles. For example, you’ll get access to Allianz concierge services to assist with travel needs such as booking restaurant reservations.

Plus, you get free coverage for one child under age 17 traveling with you. Additionally, you can choose to get a flat payment of $100 per day under travel delay insurance benefits, and you won’t be required to provide receipts.

Allianz OneTrip Premier Plan

This plan includes many of the coverage types as the OneTrip Prime plan, but you’ll get higher limits for most coverage types.

Also, the Trip Change Protector benefit compensates up to $1,000 for fees or extra expenses from a carrier or supplier if you must cancel or change your airline, rail, cruise, or tour itinerary for a covered reason. In addition to standard cancellation problems, these reasons include canceling or rescheduling a special event you were planning to attend, such as a wedding, business meeting, family reunion, graduation, concert or theater event.

In addition, you’ll get optional coverage types:

• SmartBenefits. You can opt to get a fixed inconvenience payment of $100 per person per day if your trip is delayed for a problem covered by your policy. You won’t need any receipts, just proof of delay.
• Sporting equipment loss. This pays to replace or repair your sporting equipment for problems covered by the policy.
• Vehicle return. This pays to have your personal, leased or borrowed vehicle returned to your primary address if you are unable to drive due to a problem covered by the policy.
• OneTrip Rental Car Protector. This add-on provides primary collision coverage for a rental car.

Allianz OneTrip Emergency Medical Plan

This plan pairs travel medical expense insurance along with post-departure benefits such as travel delay, baggage delay and lost baggage. It is designed for those who haven’t paid much in non-refundable deposits.

Allianz OneTrip Cancellation Plus Plan

This travel plan is designed for domestic travelers on a budget who need trip cancellation travel insurance, and interruption and delay coverage but who don’t need medical insurance and don’t want baggage coverage.

Allianz OneTrip Rental Car Protector Plan

This plan is designed for folks who want coverage for rental cars during their trip. It provides the following benefits:

• $50,000 collision damage waiver, which covers costs or your rental if it’s stolen or damaged in an accident covered by the policy or while it’s parked
• Up to $1,000 trip interruption coverage
• Up to $1,000 baggage loss or damage coverage
• 24-hour hotline assistance

Key Benefits of Allianz Single-Trip Travel Insurance Policies

We highlighted the key benefits of Allianz single-trip travel insurance plans to help you identify which is the best fit for you.

Travel insurance benefit	OneTrip Basic	OneTrip Prime	OneTrip Premier	OneTrip Emergency Medical	OneTrip Cancellation Plus
Trip cancellation insurance	$10,000	$100,000	$200,000	None	$5,000
Trip interruption insurance	$10,000	$150,000	$300,000	None	$5,000
Travel medical expense insurance	$10,000	$50,000	$75,000	$50,000/$10,000 in travel accident coverage
Medical evacuation travel insurance	$50,000	$500,000	$1 million	$250,000
Baggage insurance	$500	$1,000	$2,000	$2,000
Baggage delay insurance	$200 with 12-hour wait	$300 with 12- hour wait	$600 with 12-hour wait	$600 with 12- hour wait
Travel delay insurance	$300 with 6-hour wait	$800 with 5-hour wait	$1,600 with 3-hour wait	$1,000 with 6-hour wait	$150 with 6-hour wait
24-hour hotline assistance	Yes	Yes	Yes	Yes	Yes
Concierge service	No	Yes	Yes	Yes	No
Epidemic coverage endorsement	Yes	Yes	Yes	Yes	Yes
Pre-existing medical condition exclusion waiver	Yes	Yes	Yes	Yes	No
“Cancel anytime” upgrade available	No	Yes	Yes	No	No
Change fee coverage	No	$500	$1,000	No	No

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Multi-trip and annual travel insurance plans are good for travelers who take multiple trips per year. These types of policies are often cheaper and easier than buying individual travel insurance policies for each trip.

Allianz AllTrips Basic Plan

This plan gives you year-long protection for trips that are less than 45 days in length.

Allianz AllTrips Prime Plan

This plan includes the coverage types you’ll find in the AllTrips Basic plan, plus pre- and post-departure benefits such as trip cancellation and baggage insurance.

Allianz AllTrips Premier Plan

This plan is similar to the AllTrips Prime plan but with higher coverage limits and more options to choose from. It covers trips that are less than 90 days, rather than 45.

Allianz AllTrips Executive Plan

This plan is designed for folks who travel for business. Your trip must be 45 days or less.

It includes the same coverage as the AllTrips Prime plan but also provides some extras for business travelers on the go. These include:

• $500 change fee (to change the dates on your airline tickets).
• $500 loyalty program redeposit fee coverage (reimburses you for fees charged for redepositing loyalty programs awards, such as frequent flier miles)
• $1,000 business equipment coverage (pays to repair or replace damaged business equipment if it is damaged due to a problem covered by your policy)
• $1,000 business equipment rental coverage (pays rental fees if your business equipment is damaged due to a problem covered by your policy)

Key Benefits of Allianz Multi-Trip Travel Insurance Policies

Here’s a look at the key features of Allianz’ multi-trip policies.

Travel insurance benefit	AllTrips Basic	AllTrips Prime	AllTrips Premier	AllTrips Executive
Trip cancellation insurance		$3,000	$2,000, $5,000, $10,000 or $15,000	$5,000, $7,500 or $10,000
Trip interruption insurance		$3,000	$2,000, $5,000, $10,000 or $15,000	$5,000, $7,500 or $10,000
Travel medical expense insurance	$20,000	$20,000	$50,000	$50,000
Medical evacuation travel insurance	$100,000	$100,000	$500,000	$250,000
Baggage insurance	$1,000	$1,000	$2,000	$1,000
Baggage delay insurance	$200 with 12- hour wait	$200 with 12-hour wait	$2,000 with 12-hour wait	$1,000 with 12-hour wait
Travel delay insurance	$600 with 6- hour wait	$600 with 6-hour wait	$1,500 with 6- hour wait	$1,600 with 6-hour wait
Travel accident	$25,000	$25,000	$50,000	$50,000
Rental car damage and theft	$45,000	$45,000	$45,000	$45,000
24-hour hotline assistance	Yes	Yes	Yes	Yes
Concierge service	Yes	Yes	Yes	Yes
Pre-existing medical condition exclusion waiver		Yes	Yes	Yes
Epidemic coverage endorsement	Yes	Yes	Yes	Yes

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• OneTrip Rental Car Protector. This add-on can protect your rental car if it’s damaged. It also provides coverage for trip interruption and damaged baggage.
• Required to Work. This add-on protects your trip if you must cancel due to a work-related emergency.

The price of an Allianz travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose. Generally, the average cost of travel insurance is 5% to 6% of your trip cost, based on Forbes Advisor’s analysis of travel insurance rates.

Here are price examples for the Allianz OneTrip Premier plan.

Travelers and trip	OneTrip Premier policy cost
Two travelers age 30, $3,000 trip cost, traveling to Mexico for eight days	$264
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$452
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$572
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$658
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$498
Average cost for all trips	$488

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Compare & Buy Travel Insurance

Travel insurance is a way to protect your trip investment because it provides important pre- and post-departure benefits that can compensate you when the unexpected happens.

• Travel medical insurance: This pays for emergency medical and dental expenses if you get sick or injured during your trip. Some of the costs that travel medical insurance can compensate you for include hospital bills, lab work and prescription medication.
• Emergency medical evacuation: If you require medical care beyond what’s offered locally, emergency medical evacuation insurance pays for transportation to the nearest hospital that can treat your condition.
• Trip cancellation coverage: Trip cancellation insurance reimburses you for prepaid, non-refundable trip costs if you cancel your trip because of a problem listed in the policy.
• Travel delay insurance: If your trip is delayed due to a problem listed in your policy, travel delay insurance reimburses you for incurred expenses such as meals and lodging. It also reimburses you for prepaid, non-refundable costs for missed portions of your trip.
• Travel interruption insurance: If something happens during your trip and you need to leave early, trip interruption insurance can pay for your transportation home, such as a last-minute flight. It also compensates you for money lost on non-refundable expenses for the part of your trip you miss.
• Baggage and personal effects: If your luggage is damaged, lost or stolen, baggage insurance can pay you the depreciated value of your suitcases and the items you packed. If your baggage is delayed for the specified amount of time listed in your policy, baggage delay insurance can pay for the essentials you need before your baggage arrives, such as toiletries and clothing. Baggage insurance also provides coverage for your personal items that get damaged or stolen during your trip.

While travel insurance plans cover a wide variety of problems, every policy has exclusions. Here are examples of exclusions in the Allianz OneTrip Prime Plan.

• High-risk activities such as skydiving, hang gliding and bungee jumping.
• Traveling for the purpose of getting medical treatment (medical tourism).
• Non-emergency medical care or treatment.
• Alcohol or substance abuse.
• Injuries that are intentionally inflicted, suicide or attempted suicide.
• Mental or emotional disorders.
• Acts of war or civil unrest.

You can get in touch with Allianz customer service by:

• Email. You can email customerservice@allianzassistance.com if you need help or have questions about your policy.
• Online. You can also email Allianz by filling out a form on the “Contact Us” section of the website. You can make changes to your policy at the “Manage My Policy” section of the website.
• Phone. You can call customer service at 866-884-3556. You can also reach Allianz by calling the general help number at 866-672-9580.

If you need to file a claim, you can do so via email, fax, mail or the Allianz app. You can also file a claim with Allianz online. You will need your email address, policy number and supporting documentation.

To file your claim online:

• Go to www.allianztravelinsurance.com and click on “Start New Claim.”
• Enter policy details.
• Figure out which forms and documentation are required.
• File your claim and track your claim status.

To file your claim by email: claimsinquiry@allianzassistance.com

To file your claim by phone: (800) 334-7525

You can check Allianz’s website for what you’ll need for supporting documentation, depending on what type of claim you’re filing. For example, to file a baggage delay claim, you’ll need proof of delay and receipts for any necessary items you purchased while your baggage was delayed.

Which Allianz travel insurance plan that suits you best will depend on whether you’re taking one trip or many and how much coverage you want.

	Budget-Travelers  The OneTrip Basic policy includes trip cancellation and interruption benefits plus limited post-departure benefits, such as emergency medical coverage and lost/damaged baggage benefits.
	Domestic Travelers With Low Trip Cost OneTrip Cancellation Plus is ideal for domestic travelers who don’t need travel medical insurance and don’t have a pricey trip cost. It provides modest coverage for trip cancellation, delay and interruption.
	International Travelers The OneTrip Premier plan is a good fit for international travel because it has the highest medical expense limits ($75,000) of Allianz’s offerings. It’s also worth considering if you want the highest coverage limits across the board.
	Travelers Wanting An Escape Hatch The OneTrip Premier and Prime plans with the “Cancel Anytime” upgrade are worth considering if your travel plans are iffy and you’re concerned that you may not be able to go on your trip. These plans give you the most flexibility to cancel your trip and still receive partial reimbursement for insured trip costs.
	Families The OneTrip Premier plan covers children under age 17 traveling with parents or grandparents for free.

Before purchasing travel insurance, it’s a good idea to compare a few different companies. Every insurer offers different overage limits and pricing.

When compared to several competitors, Allianz’s OneTrip Premier plan matches or exceeds benefits for travel delays, with a short waiting period of three hours before coverage kicks in. The OneTrip Premier plan also matches or exceeds medical evacuation limits compared to some competitors’ policies. But the OneTrip Premier plan is about $100 more than competitor policies we analyzed.

Allianz vs. Travel Insured International

Allianz’s OneTrip Premier plan provides higher coverage limits than Travel Insured’s Worldwide Trip Protector for travel and baggage delay and lost or stolen baggage. Travel Insured’s policy has higher travel medical expense limits and a shorter waiting period for coverage for baggage delays.

Coverage type	Allianz OneTrip Premier policy	Travel Insured International Worldwide Trip Protector policy
Trip cancellation	Up to $200,000	100% of insured trip cost
Trip delay	$200 per day; maximum of $1,600; minimum 3-hour delay	$200 per day; maximum of $1,500; minimum 3-hour delay
Emergency travel medical/evacuation	$75,000/$1 million	$100,000/$1 million
Trip interruption	$300,000	150% of insured trip cost
Baggage and belongings	$2,000	$1,000
Baggage delay	$600 with a 12-hour waiting period	$500 with a 3-hour waiting period
Average policy cost	$488	$336

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Allianz vs. TravelSafe

The OneTrip Premier plan provides slightly lower limits than the Classic plan from TravelSafe for trip delay, travel medical expenses and baggage and belongings, but the Allianz policy provides more generous coverage for baggage delays.

Coverage type	Allianz OneTrip Premier policy	TravelSafe Classic policy
Trip cancellation	$200,000	100% of insured trip cost
Trip delay	$200 per day; maximum of $1,600; minimum 3-hour delay	$150 per day; maximum of $2,000; minimum 6-hour delay
Emergency travel medical/evacuation	$75,000/$1 million	$100,000/$1 million
Trip interruption	$300,000	150% of insured trip cost
Baggage and belongings	$2,000	$2,500
Baggage delay	$600 with a 12-hour waiting period	$250 with a 12-hour waiting period
Average cost	$488	$384

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Allianz vs Travelex

Allianz’s OneTrip Premier plan offers better coverage than Travelex’s Travel Select plan. The Travel Select plan has lower travel medical expense, medical evacuation and baggage limits than the OneTrip Premier plan. It provides a bit more travel delay compensation, but with a longer waiting period than the Allianz plan.

Coverage type	Allianz OneTrip Premier policy	Travelex Travel Select policy
Trip cancellation	$200,000	100% of insured trip cost
Trip delay	$200 per day; maximum of $1,600; minimum 3-hour delay	$200 per day; maximum of $2,000; minimum 5-hour delay
Emergency travel medical/evacuation	$75,000/$1 million	$50,000/$500,000
Trip interruption	$300,000	150% of insured trip cost
Baggage and belongings	$2,000	$1,000
Baggage delay	$600 with a 12-hour waiting period	$200 with a 12-hour waiting period
Average cost	$488	$363

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We analyzed the average cost for each travel insurance policy for trips to popular destinations for various traveler profiles:

• Couple, age 30, for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.