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What Does Allianz Travel Insurance Cover?
You can find comprehensive travel insurance plans from Allianz that offer many benefits, including trip cancellation, trip interruption, trip delay, baggage delay and loss and coverage for medical expenses, among others. Travel insurance is a way to protect your trip investment because it provides important pre- and post-departure benefits that can compensate you when the unexpected happens. That means you can recoup some of your money if you have to cancel a trip or return home early due to a problem covered by your policy. Travel medical insurance pays for medical expenses if you get sick or injured during your trip, which is especially important for international travelers who likely can’t rely on their U.S. health plans abroad. Allianz travel insurance plans are broken down into two main categories:
- Single-trip travel insurance plans
- Multi-trip and annual travel insurance plans
Allianz Single-Trip Travel Insurance Plans
We highlighted key benefits of Allianz travel insurance plans to help you identify which is the best fit for you.
| Travel insurance benefit | OneTrip Basic | OneTrip Prime | OneTrip Premier | OneTrip Emergency Medical | OneTrip Cancellation Plus |
|---|---|---|---|---|---|
Trip cancellation insurance | $10,000 | $100,000 | $200,000 | None | $5,000 |
Trip interruption insurance | $10,000 | $150,000 | $300,000 | None | $5,000 |
Travel medical expense insurance | $10,000 | $50,000 | $75,000 | $50,000/$10,000 in travel accident coverage | |
Medical evacuation travel insurance | $50,000 | $500,000 | $1 million | $250,000 | |
Baggage insurance | $500 | $1,000 | $2,000 | $2,000 | |
Baggage delay insurance | $200 with 12-hour wait | $300 with 12- hour wait | $600 with 12-hour wait | $600 with 12- hour wait | |
Travel delay insurance | $300 with 6-hour wait | $800 with 5-hour wait | $1,600 with 3-hour wait | $1,000 with 6-hour wait | $150 with 6-hour wait |
24-hour hotline assistance | Yes | Yes | Yes | Yes | Yes |
Concierge service | No | Yes | Yes | Yes | No |
Epidemic coverage endorsem*nt | Yes | Yes | Yes | Yes | Yes |
Pre-existing medical condition exclusion waiver | Yes | Yes | Yes | Yes | No |
“Cancel anytime” upgrade available | No | Yes | Yes | No | No |
Change fee coverage | No | $500 | $1,000 | No | No |
More on Allianz Single-Trip Travel Insurance Plans
Allianz OneTrip Basic Plan. This is Allianz’s most budget-friendly comprehensive travel insurance plan. It provides core benefits including trip cancellation, trip delay and trip interruption insurance at low limits for those who may not have a lot of pricey nonrefundable trip costs.
Allianz OneTrip Prime Plan. This policy is similar to the OneTrip Basic plan, except it has higher coverage limits and a few more bells and whistles. For example, you’ll get access to Allianz concierge services to assist with travel needs such as booking restaurant reservations. Plus, you get free coverage for one child under age 17 traveling with you. Additionally, you can choose to get a flat payment of $100 per day under travel delay insurance benefits, and you won’t be required to provide receipts.
Allianz OneTrip Premier Plan. This plan includes many of the coverage types as the OneTrip Prime plan, but you’ll get higher limits for most coverage types. Also, the Trip Change Protector compensates up to $1,000 if you must cancel or change your airline, rail, cruise or tour itinerary for a reason listed in the policy. In addition, you’ll get optional coverage types, including ones that can appeal to the more adventurous traveler:
- SmartBenefits. You can opt to get a fixed inconvenience payment of $100 per person per day if your trip is delayed for a problem covered by your policy. You won’t need any receipts, just proof of delay.
- Sports Traveler. If you miss a sporting event due to a problem covered by your policy, this covers prepaid sporting fees up to the maximum amount specified in the plan.
- Sporting equipment loss. This pays to replace or repair your sporting equipment for problems covered by the policy.
- Sporting equipment rental. This reimburses you up to $1,000 if you have to rent replacement sporting equipment in case your equipment is lost, stolen, delayed or damaged.
- Vehicle return. This pays to have your personal, leased or borrowed vehicle returned to your primary address if you are unable to drive due to a problem covered by the policy.
- Adventure & Sports Exclusion Change. This waives the coverage exclusion for certain activities such as caving, repelling, spelunking, bungee jumping and diving at depths greater than 30 feet for free diving and 100 feet for scuba diving. This coverage is automatically included in your policy.
- OneTrip Rental Car Protector. This add-on provides primary collision coverage for a rental car.
Allianz OneTrip Emergency Medical Plan. This plan pairs travel medical expense insurance along with post-departure benefits such as travel delay, baggage delay and lost baggage. It is designed for those who haven’t paid much in non-refundable deposits.
Allianz OneTrip Cancellation Plus Plan. This travel plan is designed for domestic travelers on a budget who need trip cancellation travel insurance, and interruption and delay coverage but who don’t need medical insurance and don’t want baggage coverage.
Allianz OneTrip Rental Car Protector Plan. This plan is designed for folks who want coverage for rental cars during their trip. It provides the following benefits:
- $50,000 collision damage waiver, which covers costs or your rental if it’s stolen or damaged in an accident covered by the policy or while it’s parked
- Up to $1,000 trip interruption coverage
- Up to $1,000 baggage loss or damage coverage
- 24-hour hotline assistance
Allianz Multi-Trip Travel Insurance Plans
Multi-trip and annual travel insurance plans are good for travelers who take multiple trips per year. These types of policies are often cheaper and easier than buying individual travel insurance policies for each trip.
Allianz Multi-trip Travel Insurance Plans
Here’s a look at Allianz’s multi-trip plans.
| Travel insurance benefit | AllTrips Basic | AllTrips Prime | AllTrips Premier | AllTrips Executive |
|---|---|---|---|---|
Trip cancellation insurance | $3,000 | $2,000, $5,000, $10,000 or $15,000 | $5,000, $7,500 or $10,000 | |
Trip interruption insurance | $3,000 | $2,000, $5,000, $10,000 or $15,000 | $5,000, $7,500 or $10,000 | |
Travel medical expense insurance | $20,000 | $20,000 | $50,000 | $50,000 |
Medical evacuation travel insurance | $100,000 | $100,000 | $500,000 | $250,000 |
Baggage insurance | $1,000 | $1,000 | $2,000 | $1,000 |
Baggage delay insurance | $200 with 12- hour wait | $200 with 12-hour wait | $2,000 with 12-hour wait | $1,000 with 12-hour wait |
Travel delay insurance | $600 with 6- hour wait | $600 with 6-hour wait | $1,500 with 6- hour wait | $1,600 with 6-hour wait |
Travel accident | $25,000 | $25,000 | $50,000 | $50,000 |
Rental car damage and theft | $45,000 | $45,000 | $45,000 | $45,000 |
24-hour hotline assistance | Yes | Yes | Yes | Yes |
Concierge service | Yes | Yes | Yes | Yes |
Pre-existing medical condition exclusion waiver | Yes | Yes | Yes | |
Epidemic coverage endorsem*nt | Yes | Yes | Yes | Yes |
More on Allianz Multi-Trip Travel Insurance Plans
Allianz AllTrips Basic Plan This plan gives you year-long protection for trips that are less than 45 days in length. Allianz AllTrips Prime Plan This plan includes the coverage types you’ll find in the AllTrips Basic plan, plus pre- and post-departure benefits such as trip cancellation and baggage insurance. Allianz AllTrips Premier Plan This plan is similar to the AllTrips Prime plan but with higher coverage limits and more options to choose from. It covers trips that are less than 90 days, rather than 45. Allianz AllTrips Executive Plan This plan is designed for folks who travel for business. Your trip must be 45 days or less. It includes the same coverage as the AllTrips Prime plan but also provides some extras for business travelers on the go. These include:
- $500 change fee (to change the dates on your airline tickets).
- $500 loyalty program redeposit fee coverage (reimburses you for fees charged for redepositing loyalty programs awards, such as frequent flier miles)
- $1,000 business equipment coverage (pays to repair or replace damaged business equipment if it is damaged due to a problem covered by your policy)
- $1,000 business equipment rental coverage (pays rental fees if your business equipment is damaged due to a problem covered by your policy)
Allianz Travel Insurance Cost
The price of an Allianz travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose. Generally, the average cost of travel insurance is 5% to 6% of your trip cost, based on Forbes Advisor’s analysis of travel insurance rates. Here are price examples for the Allianz OneTrip Premier plan.
| Travelers and trip | OneTrip Premier policy cost |
|---|---|
Two travelers age 30, $3,000 trip cost, traveling to Mexico for eight days | $264 |
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days | $452 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days | $572 |
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days | $658 |
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days | $498 |
Average cost for all trips | $488 |
Which Allianz Travel Insurance Plan Is Best for Me?
Which Allianz travel insurance plan that suits you best will depend on if you’re taking one trip or many and how much coverage you want.
If You’re Going on One Trip and Coming Home
The OneTrip Basic, Prime and Premier plans are all solid choices for individual trips. If you’re on a budget, the Basic and Prime policies might be a good fit. Consider the Premier plan if higher medical expense limits are important to you, or you are going to be doing lots of adventure and sports activities. If you’re worried you may have to cancel your trip for reasons not listed in the policy, think about getting the Prime or Premier plan and add the “cancel anytime” upgrade. For those who aren’t concerned about cancellation or interruption coverage and have few prepaid expenses, the Emergency Medical plan is worth checking out.
If You’re Going on Multiple Trips or For Business
The AllTrips Premier plan may be a good fit for travelers who are taking multiple trips and want the maximum trip time coverage from Allianz. It provides coverage for trips of less than 90 days instead of 45 as the other multiple trip policies do. If you don’t want trip cancellation and trip interruption insurance but want medical expense coverage while outside the U.S., the AllTrips Basic policy is a good bet. The AllTrips Prime, Premier and Executive plans are solid choices for those wanting coverage for a year for multiple trips. Business travelers should consider the Executive plan since it provides business equipment coverage.
Optional Add-Ons for Allianz Travel Insurance
- OneTrip Rental Car Protector. This add-on can protect your rental car if it’s damaged. It also provides coverage for trip interruption and damaged baggage.
- Required to Work. This add-on protects your trip if you must cancel due to a work-related emergency.
Does Allianz Travel Insurance Have 24/7 Travel Assistance?
Allianz travel insurance plans come with 24/7 travel assistance, which can help you with a variety of issues, including:
- Finding local medical and legal professionals
- Arranging emergency medical transportation
- Rebooking a flight or accommodations
- Providing pre-trip information
- Assistance with missed connections
- Help if your documents are stolen or lost while traveling, such as your passport
Allianz customer service also includes concierge assistance in many of its travel insurance plan benefits.
What’s Not Covered by Allianz Travel Insurance?
While travel insurance plans cover a wide variety of problems, every policy has exclusions. Here are examples of exclusions in the Allianz OneTrip Prime Plan.
- High-risk activities such as skydiving, hang gliding and bungee jumping
- Traveling for the purpose of getting medical treatment (medical tourism)
- Non-emergency medical care or treatment
- Alcohol or substance abuse
- Injuries that are intentionally inflicted, suicide or attempted suicide
- Mental or emotional disorders
- Acts of war or civil unrest
How to File an Allianz Travel Insurance Claim
If you need to file a claim, you can do so via email, fax, mail or the Allianz app. You can also file a claim with Allianz online. You will need your email address, policy number and supporting documentation. To file your claim online:
- Go to www.allianztravelinsurance.com and click on “File a Claim.”
- Enter policy details.
- Figure out which forms and documentation are required.
- File your claim and track your claim status.
To file your claim by email: claimsinquiry@allianzassistance.com. To file your claim by phone: call (800) 334-7525. You can check Allianz’s website for what you’ll need for supporting documentation, depending on what type of claim you’re filing. For example, to file a baggage delay claim you’ll need proof of delay and receipts for any necessary items you purchased while your baggage was delayed.
Compare & Buy Travel Insurance For 2024
Compare Quotes With Over 22 Travel Insurers
How Does Allianz Travel Insurance Compare to Other Travel Insurance Companies?
Before purchasing travel insurance, it’s a good idea to compare a few different companies. Every insurer offers different overage limits and pricing. When compared to several competitors, Allianz’s OneTrip Premier plan matches or exceeds benefits for travel delays, with a short waiting period of three hours before coverage kicks in. The OneTrip Premier plan also matches or exceeds medical evacuation limits compared to some competitors’ policies. But the OneTrip Premier plan is about $100 more than competitor policies we analyzed.
Allianz vs. Travel Insured International
Allianz’s OneTrip Premier plan provides higher coverage limits than Travel Insured’s Worldwide Trip Protector for travel and baggage delay and lost or stolen baggage. Travel Insured’s policy has higher travel medical expense limits and a shorter waiting period for coverage for baggage delays.
| Coverage type | Allianz OneTrip Premier policy | Travel Insured International Worldwide Trip Protector policy |
|---|---|---|
Trip cancellation | Up to $200,000 | 100% of insured trip cost |
Trip delay | $200 per day; maximum of $1,600; minimum 3-hour delay | $200 per day; maximum of $1,500; minimum 3-hour delay |
Emergency travel medical/evacuation | $75,000/$1 million | $100,000/$1 million |
Trip interruption | $300,000 | 150% of insured trip cost |
Baggage and belongings | $2,000 | $1,000 |
Baggage delay | $600 with a 12-hour waiting period | $500 with a 3-hour waiting period |
Average policy cost | $488 | $336 |
Allianz vs. TravelSafe
The OneTrip Premier plan provides slightly lower limits than the Classic plan from TravelSafe for trip delay, travel medical expenses and baggage and belongings, but the Allianz policy provides more generous coverage for baggage delays.
| Coverage type | Allianz OneTrip Premier policy | TravelSafe Classic policy |
|---|---|---|
Trip cancellation | $200,000 | 100% of insured trip cost |
Trip delay | $200 per day; maximum of $1,600; minimum 3-hour delay | $150 per day; maximum of $2,000; minimum 6-hour delay |
Emergency travel medical/evacuation | $75,000/$1 million | $100,000/$1 million |
Trip interruption | $300,000 | 150% of insured trip cost |
Baggage and belongings | $2,000 | $2,500 |
Baggage delay | $600 with a 12-hour waiting period | $250 with a 12-hour waiting period |
Average cost | $488 | $384 |
Allianz vs Travelex
Allianz’s OneTrip Premier plan offers better coverage than Travelex’s Travel Select plan. The Travel Select plan has lower travel medical expense, medical evacuation and baggage limits than the OneTrip Premier plan. It provides a bit more travel delay compensation, but with a longer waiting period than the Allianz plan.
| Coverage type | Allianz OneTrip Premier policy | Travelex Travel Select policy |
|---|---|---|
Trip cancellation | $200,000 | 100% of insured trip cost |
Trip delay | $200 per day; maximum of $1,600; minimum 3-hour delay | $200 per day; maximum of $2,000; minimum 5-hour delay |
Emergency travel medical/evacuation | $75,000/$1 million | $50,000/$500,000 |
Trip interruption | $300,000 | 150% of insured trip cost |
Baggage and belongings | $2,000 | $1,000 |
Baggage delay | $600 with a 12-hour waiting period | $200 with a 12-hour waiting period |
Average cost | $488 | $363 |
Methodology
We analyzed the average cost for each travel insurance policy for trips to popular destinations for various traveler profiles:
- Couple, age 30, for a Mexico trip costing $3,000.
- Couple, age 40, for an Italy trip costing $6,000.
- Family of four for an Italy trip costing $15,000.
- Couple, age 65, for an Italy trip costing $6,000.
- Couple, age 70, for a Mexico trip costing $3,000.
Allianz Travel Insurance Frequently Asked Questions
Do I need Allianz travel insurance if I have travel credit card rewards?
You might if you want the most protection for your trip. Many travel credit cards provide travel insurance benefits, but they’re not always as comprehensive as what you get when you buy a separate travel insurance policy. Read your travel credit card benefits to assess your trip protection coverage and determine if it’s sufficient.
Does Allianz offer “cancel for any reason” coverage?
Yes, Allianz offers “cancel for any reason” travel insurance (CFAR), which gives you the flexibility to cancel your trip no matter the reason and get partial reimbursem*nt, even if you just want to stay home to watch HBO. Allianz sells CFAR but not online. You must contact your travel insurance agent to discuss options. Allianz’s “Cancel Anytime” includes similar coverage. The “Cancel Anytime” upgrade will reimburse you 100% of your non-refundable trip deposits if you cancel for a reason covered by your policy and up to 80% of your non-refundable trip deposits if you cancel for almost any other reason. You’ll have to purchase Cancel Anytime within the first 14 days of your first trip deposit. To file a Cancel Anytime claim, you can cancel your trip at any time but you are required to notify your travel suppliers of your cancellation within 72 hours of canceling your trip.
Does Allianz cover pre-existing medical conditions?
You need a pre-existing medical condition exclusion waiver to have pre-existing conditions covered. Allianz travel insurance plans generally exclude coverage for pre-existing medical conditions unless you get its pre-existing medical exclusion condition waiver. You can get this waiver for most policies by purchasing your Allianz plan within 14 days of your first trip payment or deposit. That means you don’t want to wait to buy travel insurance and lose this coverage. For this waiver you also must insure the full cost of your trip and must have been medically able to travel when you bought the policy. Allianz defines a pre-existing medical condition as “an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date” of the policy that caused you to seek medical diagnosis or care, or that caused you to take new prescribed medicine. (Read your policy for more details.)
