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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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Allianz Global Assistance launches first-of-its-kind annual travel insurance plan

Allianz Global Assistance flips the script on annual travel protection with its new innovative, flexible and affordable Annual Medical Flex Plan

Cambridge ON, Feb. 20, 2024 – Allianz Global Assistance (Allianz), a leading Canadian travel insurance and assistance provider, recently launched its innovative Annual Medical Flex Plan, the first product of its kind that brings more flexibility, affordability and convenience to Canadian travellers.

The Annual Medical Flex Plan is designed to help insurance and financial advisors convert more of their travelling clients to annual travel insurance policyholders. The plan’s auto-renew option also makes it easy for advisors to sync a client’s Annual Medical Flex Plan with their yearly client check-ins or home and auto insurance renewals, providing 360 degrees of protection while driving compounding annual revenue for their business.

With the Annual Medical Flex Plan, clients only pay for the coverage they need, thanks to a unique, client-centric design that provides coverage for the total number of planned travel days outside of Canada within one year. Unlike traditional annual multi-trip plans, the Annual Medical Flex Plan does not impose a per-trip day limit, which gives travellers more flexibility - and convenience - by reducing the need for additional top-up coverage on individual trips.

“Allianz is thrilled to unveil the Annual Medical Flex Plan, which redefines annual travel protection by giving more flexible, affordable coverage that caters to the dynamic needs of today’s travellers,” said Dan Keon, Allianz’s VP of Marketing & Insights. “Advisors play a central role when clients are making important insurance and financial decisions. This product is currently available exclusively to our valued broker channel, including financial advisors, where clients can work with their trusted advisor to purchase a policy that aligns with their unique travel plans and provides reliable coverage all year long.”

As part of the product’s development, Allianz conducted the ‘U.S. Travel Study’ through Ipsos to better understand Canadians’ current travel habits. The study confirmed that, of those Canadians who typically travel abroad for leisure purposes, 48 per cent are taking two or more trips within a one-year period. This reaffirms the need for accessible coverage that protects travellers across multiple trips. Allianz also engaged behavioural economics experts in the design of the product and sales flow to gain insights into clients’ decision-making process when considering travel insurance.

“Annual travel insurance is the perfect complement to a broker’s home and auto insurance offerings,” notes Keon. “To optimize this opportunity, our AdvisorMax sales flow has been enhanced to help our partners seamlessly quote and offer the Annual Medical Flex Plan in every client interaction. With a client-focused design and simple auto-renewing feature, the Annual Medical Flex Plan is perfectly positioned to not only help advisors offer the right protection to their clients, but to become a major, compounding revenue stream for their business.”

Annual Medical Flex Plan highlights:

• $10 million emergency medical coverage
• 24/7 emergency care and assistance
• Choice of 10 flexible annual travel day options
• Hassle-free renewals
• Travel solo or with family
• Kids travel free with individually rated adults
• Simple medical screening for those over the age of 65
• Easy claims filing process

For more information about Allianz’s Annual Medical Flex Plan and offering travel insurance to your clients, contact Allian z.

*The U.S. Travel Survey was conducted online by Ipsos in June 2023, among a sample of n = 2,000 Canadian adults. The results are considered accurate to within +/- 2.5 percentage points, 19 times out of 20.

For over 30 years, Allianz Global Assistance has supported travelling Canadians and visitors when they need it most with value-added travel insurance and assistance services. We bring our passion for assisting people to life every day through our partnerships with well-known brands in the travel and financial services markets. Allianz Global Assistance is a specialist brand of Allianz Partners and is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information, visit the Allianz Global Assistance Canada website .

Travel insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Allianz Global Assistance provides claims and travel assistance services on behalf of the insurance company. Travel insurance does not cover everything. For complete terms, conditions, limitations and exclusions, please refer to the policy.

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Important Information About Travel Insurance and COVID-19

Due to the ongoing COVID-19 pandemic, the Government of Canada may issue travel advisories to avoid non-essential travel (Level 3) or all travel (Level 4) outside of Canada due to COVID-19. These advisories may be issued for all international travel, for specific destinations or for certain types of travel (i.e. cruises). Travel advisories can impact travel insurance and are subject to change. They may be issued, lifted, and then reinstated depending on the status of COVID-19 infection rates in Canada and abroad.

Trip Cancellation and Trip Interruption Benefits found in: Deluxe Package with COVID-19 Coverage, Deluxe Package Plan, Trip Cancellation & Interruption Plan, Non-Medical Package Plan

If you test positive for COVID-19 prior to your departure and are unable to travel as a result, trip cancellation benefits will be available under these plans.

Other than this circumstance, these travel insurance plans do not provide coverage for trip cancellation or trip interruption claims related to an epidemic or pandemic. For example, COVID-19 is not a covered reason for trip cancellation or trip interruption if the Government of Canada issues a travel advisory for your destination.

Emergency Health Benefits found in: Deluxe Package Plan, Classic Emergency Medical Plan

Policyholders with a Deluxe Package Plan or Classic Emergency Medical Plan who contract COVID-19 at their destination will be eligible for emergency medical benefits.

These benefits are available as long as there is no Government of Canada travel advisory related to COVID-19 in place on their departure date, that advises against non-essential travel (Level 3) or all travel (Level 4) for their destination.

Enhanced COVID-19 coverage found in: Deluxe Package with COVID-19 Coverage

If you do travel while a Government of Canada travel advisory against non-essential travel (Level 3) is in place for your destination, the Deluxe Package with COVID-19 Coverage offers benefits for emergency medical and quarantine expenses if you test positive for COVID-19 while on a trip.

This package also includes our standard emergency medical, trip cancellation, trip interruption, baggage and travel accident benefits for our most comprehensive protection.

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

Toll Free: 1-833-358-0582 Collect: 519-514-2219 Email: [email protected]

Allianz Global Assistance 700 Jamieson Parkway Cambridge, ON N3C 4N6 Canada

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Can I get travel insurance if I’m already abroad?

If you are a Canadian resident travelling abroad and you forgot to buy a travel insurance policy before you have headed out on vacation, you won’t be able to purchase coverage with Allianz Global Assistance for your trip. If you have purchased a policy online after your departure, your coverage will be affected if you have to file a claim related to a medical or non-medical event. The only option available for buying a policy when you are already overseas is to extend the original policy of coverage purchased before your departure if you have one.

If you are a foreign national travelling to Canada as a visitor, you are entitled to purchase a policy that may cover emergency medical events such as illnesses and injuries after leaving your country of origin or even after the expiry date of an existing policy administrated by Allianz Global Assistance. However, the policy will be subject to a 48-hour waiting period for any sickness. The 48-hour waiting time does not apply for injuries incurring within this period In other words, any sickness that starts during the 48-hour waiting period is not covered even if expenses are incurred after the 48-hour waiting period.

Therefore, it is recommended to purchase travel insurance as soon as you book your flights or vacation to avoid any future headaches.

Allianz Global Risks US Insurance Company (Allianz Commercial)

Allianz partners, euler hermes north america insurance company, pimco canada.

130 Adelaide St., West Suite 1600  Toronto, ON, M5H 3P5  Canada commercial.allianz.com

Allianz Global Assistance 700 Jamieson Parkway Cambridge, ON, N3C 4N6 Canada +1 844 310 1578 Send e-mail www.allianz-assistance.ca

Our brand name, website domain names and email addresses changed to Allianz Trade effective March 28, 2022 1155, René-Lévesque Blvd West  Suite 2810 Montréal (Québec) H3B 2L2 Canada +18775093224 Send e-mail www.allianz-trade.com

120 Adelaide Street West, Suite 2005  Toronto M5H 1T1  Canada +1 866 3413350 +1 416 3683576 www.pimco.com

Further regions & locations

June 1, 2020

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

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

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

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Tips for Calling the 24-Hour Assistance Hotline

The 24-Hour Assistance hotline gives you round-the-clock access to a team of expert problem-solvers who can help you in emergencies. Use the TravelSmart app to access the hotline, or in the United States, Canada, Puerto Rico and the U.S. Virgin Islands, call 1-800-654-1908. In all other locations, call collect 1-804-281-5700.

Watch this video to learn how to get the most out of the 24-Hour Assistance services benefit included in your Allianz Global Assistance travel insurance plan.

Transcript:

Sometimes a travel emergency is out of your control. But with Allianz Travel, it's not out of your hands. Our 24-Hour Assistance hotline makes it easy to access around-the-clock help for all types of travel setbacks.

Here are some tips for using the hotline if you run into unexpected challenges on your trip.

If your situation is life-threatening or if you're a victim of a crime, call local emergency services first. Remember, 911 does not work in every country.

• In the U.S.: Call 911
• In Europe and India: Call 112
• In Australia: Call 000
• In Brazil: Call 190/192/193

If you're not in immediate danger, call our 24-Hour Assistance hotline to be connected to a multi-lingual team of problem-solving professionals.

• Overseas? Call 1-804-281-5700
• In the U.S.? Call 1-800-654-1908

You can also use our free Allianz TravelSmart app to connect to the hotline with the touch of a button.

Our assistance experts can help you with finding appropriate medical care or refilling a prescription, interpret when you don't speak the language, get money sent to you from home, or help you make new travel arrangements.

When you call the hotline, make sure you have access to your policy number and other important plan information.

You might need your:

• Plan documents
• Flight itinerary
• Prescription information
• Police incident report

Remember to document the incident by taking photos and collecting receipts and paperwork.

If you need to file a related claim, we'll reimburse you for covered expenses as quickly as we can.

Sometimes your travels don't go as planned. Whether we're helping you get home safely, or just putting your trip back on track, our team is always here for you in the face of the unpredictable. Because wherever you wander, with Allianz Travel, you never travel alone.

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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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Allianz Travel Insurance Review 2024

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While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

Allianz Travel Insurance Review

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its One

Allianz is well reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Coverage Options Offered by Allianz

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Travel Insurance Cost

Allianz single trip travel insurance estimates.

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

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

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

• $153 for OneTrip Basic
• $195 for OneTrip Prime
• $270 for OneTrip Premier

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

Compare Allianz Travel Insurance

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options .

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

Read our guide on the best credit cards with travel insurance here.

Allianz Travel Insurance Frequently Asked Questions

Is allianz a good travel insurance company.

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

How does Allianz cover COVID?

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

Which Allianz plan is best?

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

Does Allianz require proof of incident?

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Does Allianz cover missed flights?

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

Why You Should Trust Us: How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the top travel insurance providers in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance methodology here.

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