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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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June 1, 2020

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Travel Insurance with Emergency Medical Benefits: The Simple Guide

Do I need emergency medical travel insurance for a U.S. trip?

That depends. If you have a good health insurance plan, you may not need emergency medical insurance while traveling within the U.S.

However, it’s still a good idea! Allianz Travel Insurance’s emergency medical benefits have a few advantages your regular health insurance may not provide:

• There’s no deductible or copay for covered emergency medical expenses. (There is, however, a maximum limit for your emergency medical/dental and emergency transportation benefits, which you’ll find in your plan documents.)
• Depending on the plan you choose, your travel medical insurance may be primary That means it pays your covered medical expenses before any other insurance coverage applies.
• Emergency medical transportation benefits can cover medically necessary medical evacuations. This is a must if you’re traveling to any remote locations—such as fishing in Alaska, or backcountry camping in a national park.
• Your travel insurance also can cover special medical transportation home after an emergency. Your regular insurance may not.

Do I need emergency medical travel insurance if I’m healthy?

Yes! We get more than 4,000 calls each year from travelers who need help with a medical emergency. The most common emergencies we see are things that can happen to anyone, even people who are generally healthy and fit: fractures from falls ; trauma (often from motor vehicle accidents); cardiovascular problems , such as a heart attack or stroke; and pulmonary/respiratory problems , such as a collapsed lung.

Active travelers especially need travel medical insurance, if you plan to participate in activities such as hiking, cycling, skiing, horseback riding, etc. on your trip. Just make sure you read the exclusions in your plan. Certain high-risk activities are excluded from coverage.

Do I need to buy emergency medical travel insurance for my kids?

Yes! Children aren’t immune from medical emergencies while traveling, whether a tummy bug or a fractured wrist. Luckily, two of our plans offer free coverage* for children 17 and under when traveling with a parent or grandparent: OneTrip Prime and OneTrip Premier , which doubles most OneTrip Prime post-departure benefit limits (*not available on policies issued to Pennsylvania residents).

Can emergency medical travel insurance cover my pre-existing medical condition?

Yes, but you have to make sure your plan includes the existing medical condition waiver and meets all the requirements. If you insure your full nonrefundable trip costs within 14 days of paying your first trip deposit, and you’re medically able to travel when you do so, you can be covered for most existing medical conditions.

An existing medical condition is defined as an injury, illness, or medical condition that, within the 120 days prior to and including the policy purchase date:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Read more: When Does Travel Insurance Cover Existing Medical Conditions?

What happens if I have an emergency while traveling somewhere without high-quality medical facilities?

In situations like these, your emergency transportation benefits can be life-saving. If you suffer a serious illness or injury on your trip and the local medical facilities can’t provide the medical treatment you need, our medical team will arrange and pay to transport you to the closest appropriate facility. Please note, however, that we must make the medical evacuation arrangements — if you do it yourself, your insurance may not pay for it.

What should I do if I have a medical emergency while traveling?

If you need help urgently, call your destination’s equivalent of 911. The free Allianz TravelSmart TM app makes it easy to reach local emergency services with a single tap, wherever you are.

Then, contact 24-hour assistance . Our team of experts can arrange emergency medical transportation, if needed; refer you to pre-screened local medical providers, provide an interpreter, guarantee advance payment for medical care (where accepted), monitor your condition, update relatives back home, and arrange your transportation home. In short, we’ll do everything we can to make sure you’re getting the care you need.

Read more: What To Do In A Medical Emergency

Can I buy affordable emergency medical travel insurance?

Yes! Allianz Travel Insurance offers plans for every budget. Low-cost emergency medical travel insurance plans include:

• OneTrip Basic , an economical plan with limited post-departure benefits
• OneTrip Emergency Medical , a flexible plan that includes only post-departure benefits
• AllTrips Basic , an annual travel insurance plan that provides emergency medical benefits for frequent travelers

If you’re planning more than two trips in the next 365 days, you can save money with an annual travel insurance plan:

• AllTrips Prime , which offers affordable peace of mind for a full 365 days of travel
• AllTrips Executive , an annual plan built for business travelers
• AllTrips Premier , which protects world travelers with multiple tiers of benefits

Wondering which plan is right for you? Get a quote for your next trip .

Related Articles

• Do I Need Travel Insurance If I Have Health Insurance?
• Travel Insurance 101: How Travel Insurance Works
• Travel Insurance 101: Covered Illnesses

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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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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

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

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

Keri Stooksbury

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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.

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 Global Assistance Travel Insurance Review 2024

Updated: Jan 8, 2024, 12:52pm

Allianz Global Assistance offers comprehensive emergency medical insurance coverage with higher limits than other travel plans at an affordable price point. However, while Allianz may be a well known travel insurance brand, its plan offerings are a bit lacklustre compared to other providers.

• Generous emergency medical coverage
• Three simple plans
• Higher medical limits than other plans
• Affordable premiums
• Not able to customize coverage
• Maximum age for coverage is 84 years old
• No coverage upgrades or add-ons
• No CFAR coverage

Table of Contents

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Allianz Global Assistance has been providing travel insurance to Canadians for over 30 years. As part of Allianz Partners, one of the world’s largest insurance and assistance companies, Allianz Global Assistance has operations centres in 44 countries around the world with a network of over 900,000 medical providers. In 2019, the company handled 725,000 medical cases and arranged 17,200 repatriations.

The company’s travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

Here are the key types of travel insurance coverage offered in Allianz Global Assistance travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions cause a massive delay or you lose your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. It can also cover hotel stays and meals if your trip is delayed. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

There are three plans offered by Allianz Global Assistance for Canadian residents travelling outside of Canada:

Medical + Cancellation Plan: This option provides a package of all available benefits offered by Allianz Global Assistance, including emergency medical, trip cancellation, interruption and delay, lost, stolen or delayed baggage, flight and travel accident coverage, and more.

Coverage for emergency medical treatment includes:

• Hospital accommodation in a semi-private or private room
• Service of a physician, surgeon, anaesthetist or registered nurse
• Private duty nursing, up to $10,000
• Paramedical services from a chiropractor, osteopath, chiropodist, podiatrist, acupuncturist or physiotherapist, up to $600 per profession
• Lab tests and X-rays
• Air, land or sea ambulance
• Rental of crutches or a hospital-type bed and the cost of splints, trusses, braces or other prosthetic devices
• Emergency outpatient services
• Drugs or medication for your medical emergency, up to a 30-day supply
• Emergency dental treatment due to a blow to the face, up to $4,000
• Emergency dental treatment due to pain, up to $500

Medical coverage also covers the cost to transport up to two bedside companions if you are hospitalized, the cost to return home if medically necessary (this includes a travelling companion or family member), as well as baggage return and pet return. If your return home is delayed due to a medical emergency, this benefit covers meals and accommodations.

Medical Plan: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above.

Cancellation Plan: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, or delay your trip due to a covered reason. This benefit also provides baggage insurance, flight accident coverage and accidental death and dismemberment coverage.

We’ve highlighted the key benefits for each coverage option available for the single trip plan when travelling outside of Canada to help you identify which is the best fit for you.

The price of an Allianz Global Assistance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Allianz Global Travel Assistance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $500

Related: TuGo Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Review

Allianz Global Assistance does not offer any optional add-ons, upgrades or endorsements.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Allianz Global Assistance offers an Annual Medical Plan for 10 days or 30 days. These day limits can be extended for any single trip during the year.

This policy does not include trip cancellation and interruption coverage.

Here’s how the prices between single trip and multi-trip insurance compare for the Medical Plan.

Allianz Global Assistance travel assistance is available 24/7, 365 days of the year. Depending on the coverage provided by your insurance policy, emergency services may include:

• Referral to a nearby medical provider
• Arrangement for direct billing to medical providers, if possible
• Monitoring the status of your medical case
• Communicating with you, your family, physician, travel supplier and/or consulate
• Coordinating emergency medical transportation to the nearest appropriate medical facility
• Escorting and transporting home stranded dependent children and/or extended family members or friends while you are in hospital
• Repatriation to your home province for continuing care once your emergency is stable
• Return of your remains should you die while on a trip
• Emergency cash transfers between you and your friend, family member, business or credit card company
• Emergency message services from or for you
• Help replacing lost or stolen airline tickets
• Facilitating contact with a local attorney or consular office if you are arrested or detained, or require legal help

If a medical emergency happens while you are on your trip, you or someone acting on your behalf must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any surgery is performed. If you do not contact Allianz Global Assistance, you will be responsible for paying 20% of the claim. Also, some services, such as private duty nursing or the purchase of medical appliances, require advance approval by Allianz Global Assistance.

Allianz Global Assistance also provides non-emergency trip services, such as:

• Passport and visa information
• Health hazards advisory
• Inoculation requirements
• Weather information
• Currency exchange information
• Consulate and embassy locations

Allianz Global Assistance offers the free TripWise app to help you navigate emergency situations while you are away from home. The app provides access to:

• Flight status: Track any flight within three days for delays or changes
• Hospital search: Use the GPS locator to find an accredited, local hospital at your destination
• Prescription and first aid terms: Use the medical dictionary with internationally-recognized names of common prescription medication, or translate popular first-aid terms in over 15 languages
• Country information: Get real-time travel alerts and security information for over 195 destinations

Allianz Global Assistance will not pay medical expenses related to any medical condition that is not stable for a set period of time, either 90 or 180 days (depending on your age), before your coverage takes effect.

A medical condition is considered stable when all of the following are true (with some exceptions):

• There has been no new treatment
• There has been no change in treatment or change in treatment frequency or type
• There have been no signs or symptoms or new diagnosis
• There have been no test results showing deterioration
• You have not been hospitalized
• There has been no referral to a specialist and you are not awaiting surgery or the results of investigations performed by any medical doctor

In addition, Allianz Global Assistance has a number of age- and condition-specific exclusions, including:

For policyholders aged 59 and younger, benefits are not payable due to:

• Any medical condition that was not stable during the 90 days before your departure date
• Any heart condition if you have used nitroglycerine during the 90 days before your departure date
• Any lung or respiratory condition if you have a prescription for or used home oxygen or prednisone in the 90 days before your departure date
• Any cancer if you have received treatment in the 90 days before your departure date (with some exceptions)
• An unrepaired aneurysm of 4 cm or greater diagnosed before your departure date

For policyholders aged 60 and older and you were not required to complete a medical questionnaire, benefits are not payable due to:

• Any medical condition that was not stable during the 180 days before your departure date
• Any heart condition if you have used nitroglycerine during the 180 days before your departure date
• Any lung or respiratory condition if you have a prescription for or used home oxygen or prednisone in the 180 days before your departure date
• Any cancer if you have received treatment in the 180 days before your departure date (with some exceptions)

For policyholders aged 60 and older and you were required to complete a medical questionnaire, benefits are not payable due to:

• Any medical condition that was not stable during the 90 or 180 days before your departure date
• Any medical condition for which you received treatment at any time before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are exclusions to all coverages provided by Allianz Global Assistance travel insurance:

• Your mental or emotional disorder for which there has been new treatment or a change in treatment in the 90 days before departure
• Your suicide, attempted suicide or self-inflicted injury
• Loss incurred during an illegal act
• Intoxication from or chronic use of alcohol or prohibited drugs or other intoxicants
• Non-compliance with prescribed treatment included misuse of medication
• Injuries due to training for, competing in or participating in motorized speed contests, stunt activities, high-risk activities, mountain climbing or rock climbing
• Travelling against the advice of a physician
• Any sickness or injury where there is an active travel advisory and the sickness or injury is due to the reason for the warning
• Any act of war, kidnapping, terrorism, riot, strike or civil commotion, unlawful visit or nuclear occurrence

To be eligible for insurance with Allianz Global Assistance, the following must apply:

• You are a Canadian resident who is at least 15 days old but no more than 84 years old.
• You are not travelling for more than 60 days.
• You have completed the medical questionnaire and qualified for coverage if you are between ages 60 and 69 and are travelling for more than 30 days, or
• You have completed the medical questionnaire and qualified for coverage if you are between ages 70 and 84 and are travelling for any length of time.
• You are insured for benefits under a Canadian government health insurance plan during the entire policy period.

You can file a claim 24/7 by accessing the online Claims Portal where you can create an account, upload and access all documents, identify any documents you may have missed and check the status of your claim. Claims can be submitted online for non-medical benefits including trip cancellation and interruption, flight delay and lost or delayed baggage, as well as out-of-pocket medical expenses.

In the case of a medical emergency, once you contact Allianz Global Assistance (before seeking treatment) and your case file is opened, you have the option to continue completing your claim through the online Claims Portal.

In addition to your claim form, you may be asked to provide:

• Receipts from commercial organizations for all medical costs incurred and itemized accounts for all medical services
• Any payments made by any other insurance plans
• Supporting medical documentation
• Unused travel documents or tickets
• A police report or incident number for claims due to theft

Claims must be reported within 30 days of the occurrence and proof of claim must be submitted within 90 days of the occurrence.

Allianz Global Assistance Travel Insurance FAQs

Does allianz global assistance pay for medical costs upfront.

According to the company, Allianz Global Assistance manages a network of over 900,000 medical providers worldwide and will “arrange payment on your behalf whenever possible.”

Does Allianz Global Assistance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay beyond your control, as long as your policy has not expired. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. If your return home is delayed due to a medical emergency that makes you or your travelling companion unfit to travel, your coverage will be extended for up to five days.

If you would like to extend the length of your trip once you have already left home, you can apply for a new term of coverage if your policy hasn’t yet expired, you are in good health and you have no reason to seek treatment. If you have incurred a claim, Allianz will review your file before granting an extension.

Does Allianz Global Assistance require a medical questionnaire?

Yes. A medical questionnaire is required for travellers who are aged 60 to 69 and travelling for more than 30 days, and travellers who are aged 70 to 84 travelling for any length of trip.

Does Allianz Global Assistance have any age restrictions?

Yes. Travellers must be at least 15 days old and under 85 years of age.

When does my coverage with Allianz Global Assistance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Allianz Global Assistance?

A full refund will be provided for policies that are returned within 10 days of purchase as long as you have not left on your trip and have not made a claim. After the 10-day period, the policy is non-refundable.

Does Allianz Global Assistance offer a free look period?

Yes. Allianz Global Assistance gives you 10 days after purchase to review and cancel your contract if you’re not satisfied with it, as long as you have not left on your trip and have not experienced any event that would cause you to submit a claim.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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11 Best Travel Insurance Companies in May 2024

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

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

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 Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

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 a similar note...

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Plan your trip with confidence

• Canadian Resident
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With a presence in 44 countries, Allianz Global Assistance has been helping Canadians safely explore the world for over 30 years.

Our goal is to make your travel insurance experience simple from end to end, so you can focus on enjoying your next adventure.

Our Promise to You : All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period.

Are you a Canadian resident travelling more than once a year? Our annual plan options might be a better fit for you. Select two or more trips to view our plan options.

Each traveller aged 65 and older is required to complete a medical screening to purchase a policy. To obtain a quote, please call us at 1-844-310-1578.

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With a presence in 44 countries, Allianz Global Assistance helps millions of travellers annually to travel safely and explore the world.

Minimum age for travellers is 15 days old. Maximum age is 89 years old.

Helping people is at the heart of what we do

Why buy travel insurance.

• If you have to cancel your trip for a covered reason , travel insurance may reimburse you for your prepaid, non-refundable trip costs. Without insurance, you may lose your vacation investment.
• If you experience a covered medical emergency abroad , travel insurance can help ensure you get the care you need and reimburse you for covered medical costs. Without insurance, any medical expenses outside of Canada will be your responsibility.
• If you have a covered travel delay , travel insurance may reimburse you for necessary, eligible expenses like hotels and meals. Without insurance, delays may be expensive.
• If you face an unexpected crisis , travel insurance gives you access to 24/7 Assistance Worldwide. Without insurance, you’re on your own.

Why choose Allianz Global Assistance?

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Allianz Global Insurance

Allianz International Medical Insurance

Global travelers rarely know the ins and outs of their insurance companies. Our advice is to take time to learn about an insurance company's history, values, and how they compare to other companies before deciding to purchase a plan. Continue reading to learn more about Allianz International.

Allianz International is one of the world’s leading health insurance providers . They have over 85 million customers in over 70 countries and office branches in 28 different countries around the world. Allianz has been providing insurance for nearly 130 years, so they understand what expats and travelers need to live safely abroad.

Allianz International Health Insurance Highlights

Myhealth digital services.

Through MyHealth, available as a mobile app and online portal, you have easy and convenient access to your policy, claims and other helpful features.

Expat Assistance Program

The EAP is available 24/7 and offers support for challenges such as work/life balance and cultural shock as well as legal and financial referral services.

Travel Security Services

Allianz offers 24/7 access for travel security information and advice.

Allianz International Medical and Travel Insurance Plans

Allianz offers plans for short and long international trips, as well as annual plans for frequent travelers. They also offer plans for expats relocating overseas.

Allianz Care: International Medical Insurance

International health insurance is primarily aimed at expats who are living outside of their home country for an extended period of time. The Allianz Care plans include in-patient and day-patient care, medical evacuation and oncology case manager services. Members also have the option to add out-patient care, dental, maternity and repatriation.

Allianz Care has three plan levels, Care, Care Plus and Care Pro.

Other Top International Health Insurance Plans

Many other companies also offer excellent plans to care for expats living internationally. Learn more about the top two global medical plans from top-rated insurers Cigna Global and GeoBlue:

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Also, compare Allianz Health Insurance to the best international medical plans here .

Allianz OneTrip: Single Trip Travel Insurance Plans

Allianz Travel plans range from the OneTrip Cancellation Plus plan to the more comprehensive but expensive OneTrip Premier Plan, which offers substantial protection in case of travel mishaps.

Single trip plan options:

• OneTrip Prime
• OneTrip Basic
• OneTrip Premier
• OneTrip Emergency Medical
• OneTrip Cancellation Plus

Other Leading Single Trip Medical Insurance Plans

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Read more about the Best Travel Insurance Companies .

Annual / Multi-Trip Plans

Allianz offers AllTrips annual travel insurance plans for frequent travelers.

• AllTrips Basic
• AllTrips Premier
• AllTrips Executive Plan
• AllTrips Prime

Other Leading Annual Travel Insurance Plans

Seven corners travel medical annual multi-trip.

• Buy annually and travel as often as you want.
• Choose from 30-, 45-, and 60-day trip lengths.
• Emergency medical evacuation benefit of $1,000,000.

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Learn more about annual travel insurance plans and other international plans .

Allianz Global Insurance Network

In most countries, Allianz members can see the provider of their choice, so long as the health care service they are looking for is covered under their policy. Allianz medical coverage uses a "pay and claim" model in most instances; you pay for treatment, file a claim and Allianz will reimburse you for your costs. (Some policies in certain regions include direct billing if you see a doctor in the Allianz network.) While many international insurance providers such as Cigna or GeoBlue have networks that offer direct billing, in which the insurer pays the medical bill directly without you being out of pocket, Allianz does not.

Areas of Coverage

Allianz Care offers three areas of coverage: Africa only, Worldwide excluding the USA and Worldwide Including the USA.

Allianz OneTrip and AllTrips plans offer two areas of coverage: Worldwide excluding the USA and Canada and Worldwide including the USA and Canada.

Find a Provider

Allianz Care members who are searching for a provider can use the Allianz Provider Finder . Allianz Care policyholders who are in the United States are required to use the Global Excel network .

Allianz Group Plans for Global Employers and Organizations

Allianz offers a range of group international health and group travel insurance plans. If you are looking for a group insurance plan to cover your international employees, whether they are traveling abroad for a set period of time or relocating abroad as expatriates, you can be covered.

Request a quote and you will be assigned a global insurance agent to work with you to find the best plan to meet your needs.

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

Allianz Global Insurance Services

If you are an Allianz Care member, you will file your claims through MyHealth Digital Services . This is the digital portal for all Allianz Care members. File a claim by clicking the "Submit a Claim" button and following the instructions. You will need to provide an invoice from the medical provider for the amount you paid in order to be reimbursed for your costs. You will also need to include your diagnosis in order to be reimbursed in a speedy manner. It pays to file your claim quickly, as Allianz will only pay if you file by their deadline. Make sure to retain a copy of all your documents, because Allianz may request supporting documentation as part of their auditing process up to 12 months after your claim has been filed.

If you have an Allianz travel insurance plan purchased in the USA, you can file through the Allianz online portal . (For travel insurance plans purchased in other countries, see your documentation for a link to the online portal for your region.) For a medical claim, you will need copies of all medical bills as well as copies of any accident reports. For a trip cancellation claim, you will need your trip itinerary, proof of payment, penalty or refund information, proof of incident (such as a police report or death certificate) or a letter from your employer if they are requiring you to work. Required documents lists for other claims can be found here .

For International Health Insurance Policies: Allianz Care Contact Information

English: +353-1-630-1301 German: +353-1-630-1302 French: +353-1-630-1303 Spanish: +353-1-630-1304 Italian: +353-1-630-1305 Portuguese: +353-1-645-4040

For Travel Policies Purchased in the USA: Allianz Global Assistance Contact Information

Phone: 1-866-884-3556 Mail: Allianz Global Assistance P.O. Box 71533 Richmond, VA 23255-1533

For Travel Policies Purchased in the UK: Allianz Assistance Contact Information

Emergency Phone: +44-20-8686-1666 Claims: 020-8603-9958 Claims Email: [email protected]

For Travel Policies Purchased in Germany: Allianz Travel Contact Information

Emergency Phone: +49-89-62424-245 Customer Service: +49-89-62424-100 Customer Service Email: [email protected]

For Travel Policies Purchased in Singapore: Allianz Travel Contact Information

Emergency Phone and Claims: +65-6237-2215 Claims Email: [email protected]

For Travel Policies Purchased in Australia: Allianz Contact Information

Emergency Phone: +61-7-3305-7499 General Information: +61-2-8988-9581

Allianz Global Insurance FAQ

What does allianz travel insurance cover.

Allianz travel insurance covers trip cancellation, travel delays, loss or delay of baggage and medical emergencies abroad. Some plans also offer the option of adding rental car protection and coverage for pre-existing conditions.

How do I make a claim on Allianz travel insurance?

You can make a claim through the Allianz travel insurance website. You will need your email address or policy number, your purchase date or departure date, and supporting documentation in order to make a claim.

What is Allianz Worldwide Care?

Allianz Worldwide Care is the original name for what is now Allianz Care. Allianz Care provides health, life and disability insurance to people who are living away from their home country.

More to Read:

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Expat Insurance: Health, Life, and Travel Insurance

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Travel has changed, and we’re changing with it

Dedicated to helping and protecting.

With over 30 years of experience helping Canadian travellers in their time of greatest need, we place the customer at the heart of everything we do.

This commitment to caring and customer-first approach is a common thread throughout the full range of unique travel insurance and emergency assistance solutions we provide to our partners and their customers.

Travelling or returning to Canada?

Waiting at customs can take its toll after a long trip. To avoid delays, be sure to follow the new mandatory travel requirements and submit your information digitally using ArriveCAN . 

Learn more at  Canada.ca/ArriveCAN

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. 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. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas medical assistance and expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

Website review and travel remediation

Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

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Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

^The 5% off Travel Insurance ‘TRAVEL5’ discount is available from 12:01am AEST 06/05/2024 until 11:59pm AEST 30/06/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

Introduction to Generali Global Assistance Travel Insurance

• Generali Global Assistance Cost

Compare Generali Travel Insurance

• Why You Should Trust Us

Generali Global Assistance Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Generali Global Assistance is a well-established name within the travel insurance industry. Ideally, this translates to a travel insurance company with first-class service and coverage. The question for many consumers is simple: Does Generali live up to customers' expectations?

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 plans with diverse coverage including sporting equipment and medical and dental
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can get up to $1 million in emergency assistance coverage with the premium plan
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable premiums
• con icon Two crossed lines that form an 'X'. CFAR coverage is expensive relative to standard policies
• con icon Two crossed lines that form an 'X'. CFAR only covers up to 60% of non-refundable costs
• con icon Two crossed lines that form an 'X'. Multiple reviews indicate claims team didn’t start processing claims until policyholders called more than 30 days after filing

Generali Global Assistance is a reputable travel insurance provider offering multiple tiers of travel insurance coverage at reasonable rates. It offers the standard coverage for trip cancellations, emergency medical expenses, and evacuations. However, Generali falls short of the best travel insurance companies . 

While Generali's coverage isn't necessarily bad by any means, it fails to distinguish itself in any way. Its plans are on the cheaper side, but aren't the cheapest. Its offers all the key coverages, but limits aren't exceptionally high. Even its additions are middling, such as its cancel for any reason coverage, which reimburses you for 60% of your nonrefundable costs when most of the best CFAR travel insurance offers 75% coverage.

It's also worth mentioning that Generali is notably strict on its pre-existing condition coverage. Pre-existing condition waivers are only offered with the most expensive Premium plan, and travelers must purchase the plan within 24 hours of their final trip deposit. 

Coverage Options Available With Generali

Generali offers three tiers of travel insurance coverage: Premium, Preferred, and Standard. All three travel insurance policies cover baggage delay and loss, travel delay, interruption, cancellation, and missed connection reimbursement benefits.

Here are some of the highlights for each plan to help you better understand what coverage you may need:

The Standard Plan offers the lowest coverage with more budget-friendly premiums. It offers up to 125% reimbursement for trip interruption and up to $1,000 in travel delay reimbursement. Policyholders are limited to $250,000 per person for emergency assistance or transportation. If your baggage is lost, you'd have $1,000 to replace toiletries, clothing, and other belongings.

With the Preferred plan, you can expect 150% reimbursement for inevitable trip interruptions. It also offers travelers up to $1,000 per person for travel delay reimbursement. In addition, the emergency assistance or transportation coverage drops from $1 million to $500,000 per person, and travelers can enjoy up to $1,500 per person if baggage is lost.

Generali's Premium plan offers generous coverage for various scenarios. For example, you'll enjoy up to 175% reimbursement of your trip cost if your travels are interrupted for reasons beyond your control. Generali's Premium plan also includes up to $1,000 per person in travel delay reimbursement and up to $1 million per covered individual for emergency assistance or transportation. Finally, it has up to $2,000 per person in replacement expenses (i.e., toiletries, clothing, and other necessities while you wait for your delayed bag) if your baggage is lost.

You can compare Generali's three plans below.

Additional Coverage Options

Generali offers two add-on services alongside your base travel insurance plan:

Trip cancellation for any reason (CFAR)

Cancel for any reason (CFAR) coverage reimburses you for nonrefundable expenses associated with canceling travel you've already paid for. Generali's Premium plan is eligible for CFAR coverage which pays you back for 60% of the total nonrefundable cost of your travel.

You must purchase CFAR coverage on your Premium plan within 24 hours of your initial deposit. However, eligible customers can take advantage of its full benefits, as the name suggests, for any reason. Medical problems, family emergencies, work scheduling issues, or just changing your mind are a few of the reasons Generali might pay a CFAR claim.

Preferred and Standard plans are not eligible for CFAR upgrades. New York residents are also not eligible for CFAR coverage. Generali's website estimates buyers will pay an additional 50% in travel insurance premiums for this rider while the max reimbursement is only 60% of the "penalty amount" (i.e., nonrefundable costs).

Rental car damage protection

Travelers can also purchase rental car coverage alongside their travel insurance policy. Premium plan customers already have up to $25,000 in rental car protection in their policy benefits. Preferred and Standard plan holders can purchase the same coverage amount.

Texas residents are not eligible for rental car coverage. If you're unsure about this rider, we recommend checking the limits of your auto insurance . Generally, U.S.-based auto insurance extends to rental cars. But you may want to supplement your coverage depending on what you already have.

Generali Global Assistance Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Generali's coverage costs.

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

• Generali Standard: $82.50
• Generali Preferred: $95.70
• Generali Premium: $113.47

Premiums for Generali plans are between 2.75% and 3.8% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

Generali provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Generali Standard: $108.75
• Generali Preferred: $126.15
• Generali Premium: $145

Once again, premiums for Generali plans are between 2.7% and 3.6%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Generali quotes:

• Generali Standard: $271.14
• Generali Preferred: $304.68
• Generali Premium: $459.02

Premiums for Generali plans are between 4.5% and 7.7%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage a Generali Policy

To buy a Generali travel insurance policy, you'll need to obtain a quote on its website. You'll need to enter your intended destination, travel duration, number of travelers, state of residence, age of traveler(s), and total cost of your trip. 

You'll get quotes for all three Generali plans with general overviews of the policy benefits. You'll also find a detailed coverage description when you click "View Plan Documents." We highly encourage you to read through the terms to fully understand your policy. You can call 888-210-2134 for Generali's customer service line when purchasing a policy.

How to File a Claim with Generali Travel Insurance

To file a claim with Generali's travel insurance division, start at the eClaims portal .

You can also call its claims department at 800-541-3522 for assistance. Generali promises all insurance claim calls will be returned within one business day, and most calls are returned on the same day they are received. Many people reported quick claims processing and reimbursement when we reviewed recent customer feedback.

However, several reviews described waiting over 30 days only to discover Generali had yet to review their claims submission. As such, if you are still waiting to receive a response indicating Generali is working on your claim within a few days, we recommend checking in with customer service.

You'll need to provide supporting documentation for your claim, such as proof of travel delay from the airline or relevant claim checks for lost baggage. Your eClaims portal should give you the necessary details and update you on the ongoing status of your claim. Email the claims team for questions at [email protected] or use the eClaims chatbot for automated assistance.

Generali Customer Service and Claims Experience

Generali's reviews vary wildly depending on the site you check. On its Better Business Bureau page, Generali scores an average of 1.11 stars across 315 reviews. On Trustpilot, it scores an average of 3.5 stars across 419 reviews. Lastly, it has an average of 4.33 stars on SquareMouth across nearly 4,500 reviews. 

Many five-star reviews mention how easy it was to purchase a Generali plan and how that plan gave them peace of mind while traveling even if they never had to file a claim. However, most of the mixed reviews come from people who filed claims, reporting long wait times, uncommunicative claims agents, and claim rejections with no explanation. 

That said, Generali's customer service team is generally very responsive, particularly on its BBB and Trustpilot pages. Reviews on these pages generally get a response within a week. 

Learn more about how Generali Travel Insurance compares to popular travel insurance companies.

Generali Global Assistance Travel Insurance vs. Nationwide Travel Insurance

Nationwide Travel Insurance is part of an extensive network of insurance products. Unlike Generali, you'll recognize any Nationwide product as it's listed on the same website. In addition, Nationwide offers bundling discounts, depending on what you're buying. It also sells short-term and long-term insurance plans (like auto and home).

Nationwide has been in business since 1925. Its travel insurance wing offers plans and coverage options to suit diverse travelers' needs. Customer review sites like Trustpilot had reviews complaining about long wait times and claims overlooked with Generali. Nationwide's reviews described long processing times, poor communication, and other claims-based issues.

If you're solely concerned about coverage and rates, Generali is upfront about the fact that its CFAR coverage is exceptionally costly. The company's website seems to imply the CFAR rider's cost is bloated compared to its value. But its basic plans have a few more perks compared to Nationwide's single-trip plans. And while Nationwide offers cruise plans and multi-trip options, Generali does not match at the time of this review.

Read our Nationwide Travel Insurance review here.

Generali Global Assistance Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is another reputable insurance company that has been in business since 1890. Allianz Travel Insurance is one of the biggest names in travel insurance, serving more than 55 million travelers across dozens of countries.

Both Generali and Allianz Travel Insurance offer comprehensive single-trip coverage options for travelers. Generali's website makes reviewing and comparing its three travel insurance plans easy. However, Allianz Travel Insurance offers annual (multi-trip) policies while Generali doesn't. Both companies list rental car protections for some travelers.

Allianz customers leaving reviews online indicate the claims process may be confusing and drawn out. Most importantly, a few reviews cautioned future travelers to come in with complete documentation. In our experience, offering more paperwork rather than less with Allianz Travel Insurance is better.

Read our Allianz Travel Insurance review here.

Generali Global Assistance Travel Insurance vs. InsureMyTrip

InsureMyTrip.com is an insurance broker that uses your travel details to collect insurance company bids on your behalf. You can enter your information and get multiple quotes back. As a result, Generali may be one of the insurance providers providing you with a quote through InsureMyTrip. Rates may not match what a provider would offer on its website, though. Broker websites like InsureMyTrip often charge a premium to account for third-party fees or offer discounts as a partner company knows it's competing for customers no matter what. Whatever the case, InsureMyTrip makes it easier to shop for travel insurance. However, it would not process any claims. So for some consumers, it may be more complicated to determine where to go to make a claim against their policies or get help if something goes wrong.

Read our InsureMyTrip Travel Insurance review here.

Why You Should Trust Us: How We Reviewed Generali Global Assistance Travel Insurance

When evaluating travel insurance companies, we consider various factors, including the number of plans available, the coverage, feedback from customer reviews, average premiums, customer support, ease of filing claims, and reimbursement times. No single factor can truly determine how travel insurance companies stack up.

These factors together allow us to develop ratings for each travel insurance company. Then we break down the pros and cons, pointing out potential issues. We also aim to bring to light solutions other buyers have already found should you choose to work with the travel insurance provider being reviewed.

You can read more about how Business Insider rates insurance products here.

Generali Global Assistance Travel Insurance FAQs

Generali's Premium plan covers pre-existing conditions if you buy the policy within 24 hours of your final trip deposit. Its Preferred and Standard plans do not offer pre-existing condition coverage.

Generali has additional coverage options for rental car insurance for its Preferred plan and CFAR coverage for its Premium plan. 

In case of emergency assistance needs while covered by Generali, policyholders should contact Generali's 24/7 hotline for immediate support. You can reach the hotline at 877-243-4135 in the U.S. and 240-330-1529 worldwide.

Generali's travel insurance coverage may include limitations or exclusions based on travel destinations, especially in relation to governmental travel advisories or high-risk areas. Policyholders should review Generali's policy documentation or contact them directly for clarification on any geographic restrictions.

Generali states it will review claims within 30 days, but customer reviews have described longer wait times.

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

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

**Enrollment required.

• Main content

Americans expect to spend a record-breaking $221 billion on summer vacations this year: Allianz Partners

Americans continue to signal that travel is splurge-worthy and are again setting new records for vacation spending in 2024. For a second consecutive year, Allianz Partners USA’s annual Vacation Confidence Index* found that Americans’ total spend on summer vacations is expected to remain north of the $200 billion mark, this year exceeding $221.6 billion. According to the travel insurance and assistance provider, Americans have more than doubled their projected summer vacation spending since the inception of the pandemic. The 2024 figure represents an approximately 3.5% increase over last year, but a whopping 118% jump compared to 2019.

In 2024, the average American household is anticipated to spend $2,843 on their summer vacation, topping $2,000 for the fifth time since Allianz Partners began tracking vacation habits in 2009. Creeping up slightly over last year, the figure continues its steady climb from 2020’s pandemic-related dip and shows a healthy 40% increase over 2019, which is fueled by more Americans planning to travel in 2024 (61%) versus 2019 (42%).

“This summer, we expect to again see a record-breaking number of Americans traveling for their summer vacations. Whether trips are planned for a neighboring state or an international bucket-list destination, an increase in traveler numbers can translate to an increase in unexpected and undesirable travel delays,” said Daniel Durazo, director of external communications at Allianz Partners USA. “While travel costs remain inflated, our survey confirms Americans are not letting sticker shock hamper their vacation plans which makes investing in a travel insurance policy with travel delay coverage a smart move to protect their considerable trip investment.”

The Vacation Confidence Index has been conducted each summer since 2009 by national polling firm Ipsos Public Affairs on behalf of Allianz Partners USA. A vacation is defined as a leisure trip of at least one week to a place that is 100 miles or more from home.

Allianz Partners offers travel insurance through most major U.S. airlines, leading travel agents, online travel agencies, hotel companies, cruise lines and directly to consumers.

Beaches and big cities reign for summer travel as Americans head to bucket-list…

34% jump in Americans headed to Europe: Allianz Partners

Top 10 Spring Break Destinations from Allianz Partners

Top 10 Holiday Destinations for Americans from Allianz Partners

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Choose your own adventure: Where to go and how to save on summer vacations

Revenge travel is so last year.

“It's not necessarily about just getting out of the house anymore,” said Sydney Stanback, Global Insights and Trends lead at Pinterest, which has seen more than 1 billion travel searches and more than 10 billion travel saves over the past year. 

Sure, many of the usual suspects are once again among the most popular destinations across multiple search engines this year, but she said this summer, “It's more so about traveling with intention.” 

According to NerdWallet’s Summer 2024 Travel Report , 45% of Americans plan to take a trip requiring a hotel stay or flight this summer with expenses averaging just under $3,600. A fifth of those travelers expect to go into debt to pay for vacations.

Here’s what to consider when booking a summer trip, including where to go, when to travel and how to save:

Learn more: Best travel insurance

What is the best place to travel in summer? 

The answer is subjective, especially this summer.

“Everyone's kind of choosing their own adventure based off of what their needs are for travel,” Stanback said. 

Pinterest’s Summer 2024 Travel Report found summer travelers are most interested in adventure, exploring mysterious or uncharted destinations, and rest. Searches for “quiet life” jumped 530%, but that doesn’t mean the same thing to everyone.

“My mother actually just took a yoga retreat to Panama,” Stanback said. “That's what she needed to do in order to get the rest that she needed and the well-being that she needed. But for me, when I think of rest and restoration, I simply think about going to a beach spa and just sitting and being by myself.”

Solo travel remains popular. Solo travel searches reached an all-time high in Google in January, but again, not for everyone.

“For Gen Z specifically, that need is to gather and reconnect with their community because they were in isolation for so long and during very meaningful moments in their lives,” Stanback said. She noted group travel and road trips are of keen interest to Gen Z.

“It's not necessarily about traveling and going out and going to restaurants and going to bars and clubs,” she added. “We actually see that a lot with younger generations. They’re kind of stepping away from that and really considering their well-being when they're taking time off.”

Where do most tourists go in summer?

Expedia’s Summer Outlook and Google Flights identified the same cities among their most searched summer 2024 destinations based on flights, though rankings varied by platform.

Top 5 domestic destinations 

◾ Orlando, Florida

◾ Los Angeles

◾ Las Vegas

Top 5 international destinations

◾ Cancun, Mexico

◾ Paris, host of the Summer Olympics

Allianz Partners found slightly different results in their analysis of “more than six million flight itineraries for trips between five and eight days in length for travel booked between Memorial Day weekend and Labor Day.”

Instead of LA and Vegas, Allianz named Boston and Honolulu among this summer’s top five domestic destinations. Internationally, San Jose del Cabo, Mexico; Oranjestad, Aruba; and Punta Cana, Dominican Republic, made Allianz’s top five, instead of Rome, Paris and Tokyo.

“I am expecting crowds to rival last summer's in popular overseas cities,” Expedia’s travel expert Melanie Fish said, noting how places like Barcelona and Venice are trying to curb overtourism. “They're trying fees and if that's not enough, they're going to have to go even further.”

How can I save on a trip?

Summer trips are already costly for many travelers. “Americans with household income under $100,000 accounted for nearly half (46%) of intended leisure travel spend in summer 2023,” according to Deloitte’s Facing travel’s future report from April.

Expedia’s Fish shared five tips for booking summer 2024 vacations:

◾ Bundle your trip. Booking airfare and a hotel at the same time can earn you deep discounts.

◾ Travel midweek or later in the summer if it's an option. You'll save money and save yourself from fighting crowds. 

• ◾ Fly early in the day … The early bird who takes the first flight of the day will typically get a better price and a lower chance of delays and cancellations. ◾ Book once, earn twice. You can stack rewards from your travel credit card (and) your airline.◾ Just go. Don't pressure yourself to create the trip of a lifetime … Do it in a bite-sized chunk if possible. 

'Expensive in every way': What travelers should expect this summer

How far ahead should I book travel?

“The sweet spot is now,” Fish said. “We're within that 21- to 60-day pre-travel window to save around 15% on airfare, so now is the time to plan. That means ready, set, but maybe wait until August to actually go.”

She said travelers can save an average of $250 on international flights if they wait until the peak summer travel season passes. 

“It's 15% cheaper on average to fly domestically in August versus June, 30% cheaper to fly to Europe in late summer, and 55% cheaper to fly to Mexico and the Caribbean in August,” she said. “Of course, August is peak hurricane season , so that has something to do with that price dip.”

Allianz reveals biggest threats facing SMEs in 2024

New research by allianz commercial has found that inflation continues to be the biggest threat facing small and medium-sized enterprises (smes) in 2024., the recent survey of 500 smes revealed the top three threats to businesses are:, 1. inflation and the cost of living (61% said they feel under threat) 2. state of the uk economy (51% said they feel under threat) 3. cash flow (31% said they feel under threat)..

More than half of SMEs said they feel under threat from the state of the UK economy (51%), an increase of 18% from 33% in the past twelve months. While worries about Brexit have decreased from 25% since last year’s survey* to just 16%, concerns about cashflow have almost doubled from 16%, with respondents now rating it one of the biggest threats (31%). 

75% of SMEs surveyed said that have been negatively impacted by the cost of living crisis, up from 71% in 2023.

Allianz’s research also identified the top business challenges facing SMEs in 2024, with the price of energy topping the list: 

1. energy bills (37%) 2. competition (36%) 3. late payment / unpaid invoices (28%) 4. supply chain problems (24%) 5. staff (e.g. hiring, retaining) (24%)., alex ktenidis , director of digital trading, allianz commercial, said: “smes are clearly facing extremely challenging times so it’s understandable that business owners are looking to save where possible. having the right level of insurance protection is crucial and brokers play a pivotal role in assisting small business owners to fully understand which insurance cover and indemnity levels are needed.”, ktenidis added: “we know that smes are incredibly agile and many of them adapt their business models to suit the ever-changing environments that they operate in. working with brokers, we want to provide the best support possible to those customers, so when they make significant changes, we can help make sure this doesn’t lead to gaps in their cover.”.

1.The Allianz survey was carried out by One Poll in February 2024 amongst 500 SME decision makers.

*Year on year comparative data taken from the Allianz 2023 SME survey

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.

Privacy Note

Allianz SE is committed to protecting your personal data. Find out more in our privacy statement .

Email: [email protected]

Phone: 01483 465 227

Mobile: 07891 570 995

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