Allianz Travel Insurance Review: Is It Worth the Cost?
Allianz Travel Insurance is a good option if you’re looking for a trip insurance plan with medical benefits.
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Allianz
Allianz offers a wide range of plans and customizations for various trip types, durations and budgets.
Pros
- Annual or single-trip policies are available.
- Multiple types of insurance available.
- All plans include access to a 24/7 assistance hotline.
Cons
- 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 travel insurance is highly regarded, and for good reason. Allianz offers five plans, so travelers' policies can cover what’s important to them. As well, children under 17 can be included for free on an eligible plan, so it can make sense that those seeking a plan that they can customize will consider Allianz.
Why trust NerdWallet?
Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines.
What is Allianz?
Around for over 100 years, Allianz has had a hand in insuring some iconic times in history, including the Wright brothers’ first flight and the construction of the Golden Gate Bridge.
These days, Allianz’s travel insurance arm boasts a score of 4.3 on Trustpilot and an A+ Financial Strength Rating (FSR), according to credit rating firm AM Best.
What does Allianz cover?
Allianz’s five plans offer different kinds of coverage, and not all of them have a standard set of benefits.
For example, Allianz travel insurance medical coverage isn’t available with the OneTrip Cancellation Plus plan, while general Allianz travel insurance coverage such as trip cancellation isn’t offered on the OneTrip Emergency Medical plan.
The three comprehensive plans Allianz offers provide varying levels of standard benefits.
- Allianz health insurance coverage: Provides reimbursement for accidents and illnesses during your trip.
- Trip interruption: Covers nonrefundable costs incurred as a result of your trip being interrupted.
- Trip cancellation: Repays prepaid, nonrefundable costs such as hotels and tour bookings in the event your trip is canceled.
- Lost luggage: Covers the cost of replacing your personal effects when your luggage is lost.
- Delayed luggage: Reimburses reasonable expenses, such as for clothing and toiletries, when your luggage has been delayed.
- Emergency evacuation: Arranges and pays the cost to transport you to a medical facility for care.
- Pre-existing condition coverage: Covers costs for acute flare-ups of pre-existing conditions, as long as you meet eligibility requirements.
Allianz policy overview
Allianz’s policies have a broad array of inclusions. Here's a look at the five single-trip plans, and the included coverage amount.
| Trip cancellation | Trip interruption | Emergency medical | Luggage | |
|---|---|---|---|---|
| OneTrip Basic | Up to $10,000. | Up to $10,000. | Up to $10,000. | Up to $500 for loss, $200 for delay. |
| OneTrip Prime | Up to $100,000. | Up to $150,000. | Up to $50,000. | Up to $1,000 for loss, $300 for delay. |
| OneTrip Premier | Up to $200,000. | Up to $300,000. | Up to $75,000. | Up to $2,000 for loss, $600 for delay. |
| OneTrip Emergency Medical | N/A. | N/A. | Up to $50,000. | Up to $2,000 for loss, $600 for delay. |
| OneTrip Cancellation Plus | Up to $5,000. | Up to $5,000. | N/A. | N/A. |
Allianz also offers multitrip plans and a plan that provides rental car coverage only.
» Learn more: How does annual travel insurance work?
Add-on options
Allianz doesn’t offer many options when it comes to customization.
- Rental car insurance: Available on all plans as an upgrade, Allianz’s rental car insurance provides coverage in the event of theft, damage or collision.
- Cancel Anytime: Allows you to cancel a trip for almost any unforeseeable reason and get 80% of your nonrefundable costs back.
🤓 Nerdy Tip
Don’t want to pay for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card. What’s not covered by an Allianz plan
Each Allianz plan has varying coverage levels, and some specifically exclude benefits such as trip cancellation.
However, certain types of situations and activities are generally excluded:
- Extreme sports.
- The use of alcohol or drugs or any symptoms as a result.
- Normal pregnancy or childbirth.
- Participation in sporting events.
- Natural disasters.
How Allianz compares with its competitors
On a 5-star scale, NerdWallet rated Allianz 3.5 stars. Jump to see our methodology.
A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest Allianz plan cost $166. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $291.
When looking across multiple providers, the basic plan for the same sample trip ranges in cost from $10 to $202. Note that price isn't the only differentiating factor. Coverage isn't identical across plans; each company offers various levels of scope, limits and exclusions.
| Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
| GeoBlue Travel Insurance | | $10. | $18. | |
| Berkshire Hathaway Travel Protection | | $26. | $75. | |
| Tin Leg | | $36. | $188. | |
| WorldTrips Travel Insurance | | $47. | $66. | |
| World Nomads | Currently being rated and reviewed. | $63. | $115. | |
| Trawick International | | $100. | $194. | |
| AXA Assistance USA | | $114. | $159. | |
| Generali | | $123. | $164. | |
| Travelex Insurance Services | | $135. | $198. | |
| AEGIS (GoReady) Travel Insurance | | $139. | $208. | |
| HTH Travel Insurance | | $146. | $233. | |
| Seven Corners | | $154. | $225. | |
| Travel Insured International | | $164. | $218. | |
| Allianz Global Assistance | | $166. | $291. | |
| USI Affinity Travel Insurance Services | | $169. | $297. | |
| AAA | Currently being rated and reviewed. | $183. | $222. | |
| IMG | | $183. | $252. | |
| Travel Guard by AIG | Currently being rated and reviewed. | $135. | $236. | |
| Chubb | | $185. | $312. | |
| TravelSafe | | $200. | $468. | |
| Arch RoamRight | | $202. | $225. | |
| These star ratings are based on a separate analysis of each travel insurance provider’s offerings. For more detailed scoring, see our recommendations for the best travel insurance companies, read each individual provider's NerdWallet review or view our methodology at the end of this article. Pricing is subject to change based on your specific trip details. You can verify the latest price by clicking through to Squaremouth (a NerdWallet partner). | ||||
How much is Allianz travel insurance?
How much does Allianz travel insurance cost? To get an idea of the cost of an Allianz travel insurance policy, we generated a quote for a sample trip.
In this example, we have a 37-year-old traveler from North Carolina heading to Japan for a two-week vacation, with a total trip cost of $5,000.
| Policy | Cost |
|---|---|
| OneTrip Emergency Medical | $46. |
| OneTrip Cancellation Plus | $56. |
| OneTrip Rental Car Protector | $77. |
| OneTrip Basic | $70. |
| OneTrip Prime | $98. |
| OneTrip Premier | $145. |
Notably, Allianz travel insurance costs increased dramatically when benefits for trip cancellation and trip interruption were included, so if you don’t have a lot of nonrefundable costs associated with your trip, you may want to stick with the OneTrip Emergency Medical plan.
» Learn more: The best travel credit cards right now
How to buy an Allianz policy
To purchase an Allianz travel insurance policy, go to Allianz’s get a quote page, where you can choose different plan types, including single trip, annual or rental car policies.
From there, you’ll need to fill out your trip information, such as travel dates and destination and your age. Then, you'll be presented with eligible plans and prices. From there, you’ll be able to pick one that suits your needs and complete the checkout process.
Consider comparison shopping
If you're not 100% sold on purchasing a plan from Allianz, you can use a travel insurance aggregator to compare policies across multiple companies at once.
Which Allianz travel insurance plan is best for me?
The right Allianz plan for you depends on your trip. This is especially true for the OneTrip Emergency Medical plan and the OneTrip Cancellation Plus plan since both are limited in what they cover.
Before purchasing a plan, review the costs of your trip, whether you need medical coverage and how much you’re willing to pay.
Does Allianz offer 24/7 travel assistance?
Allianz provides 24/7 travel assistance to customers. Within the U.S. or Canada, call 800-654-1908 for help. Otherwise, call 804-281-5700.
Allianz’s 24/7 assistance can help you with issues such as finding new flights, providing you with information about your destination, helping you retrieve lost luggage, replacing prescriptions and more.
How to file a claim with Allianz travel insurance
Filing a claim with Allianz can be done online via its claims center.
You’ll need to have information on hand such as what happened, what the claim is for, when the issue happened and how much you’re claiming.
You’ll also need to provide proof of your loss, which can be uploaded to the claims center.
Is Allianz travel insurance worth it?
Is Allianz travel insurance good? Allianz can be more expensive than competitors, but its different plans can help mitigate the cost by insuring only what’s important to you.
Its three comprehensive plans also include coverage for pre-existing conditions, which isn’t something you’ll find everywhere.
Frequently Asked Questions
Does Allianz cover flight cancellation?
If you have a plan with trip interruption or trip delay benefits, you may be covered when your flight has been canceled. This can include refunds for prepaid expenses and costs for lodging and meals.
How long does an Allianz refund take?
The length of time it takes for a refund can vary; factors that influence how long can include the claim you make, the documentation you provide and the processing speed of the insurance provider.
Is Allianz travel insurance primary or secondary?
Allianz travel insurance medical coverage is secondary. This means it pays out after any other eligible plans you may have.
Does Allianz cover COVID?
Yes, Allianz plans cover COVID.
Star rating methodology
Travel insurance rating and review methodology
Travel insurance
NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:
- Scope of coverage.
- Customizability.
- Consumer experience and complaints.
- Cost.
The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.
Data collection and review process
NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.
Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."
The reviews team
The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence.
In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.
Rating specifics
Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:
- Scope of coverage (25%).
- Customizability (25%).
- Consumer experience and complaints (25%).
- Cost (25%).
Scope of coverage ratings are based on assessments of a company’s standard protections, including:
- Travel medical insurance.
- Trip cancellation.
- Trip interruption.
- Trip delay.
- Baggage and personal belongings, lost luggage.
- Emergency medical assistance.
- Emergency medical evacuation.
- Emergency medical repatriation.
- Accidental death and dismemberment insurance.
- Rental car coverage.
Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.
- 24-hour assistance.
- Pre-existing medical conditions coverage.
- Extreme sport coverage.
- CFAR add on availability.
- Travel health insurance.
- Interruption for Any Reason.
- Travel Inconvenience.
- Cancel for Work Reasons.
- Electronics coverage.
Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.
Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.
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Article sources
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trustworthy sources to inform their work, including peer-reviewed
studies, government websites, academic research and interviews with
industry experts. All content is fact-checked for accuracy, timeliness
and relevance. You can learn more about NerdWallet's high
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