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.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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.

Updated Jan 16, 2026 9:17 a.m. PST · 4 min read

Written by

+ more

Edited by

Editor & Content Strategist

+ more

SOME CARD INFO MAY BE OUTDATED

This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.

Compare My Rates

Allianz

3.5

NerdWallet rating

Allianz offers a wide range of plans and customizations for various trip types, durations and budgets.

Compare My Rates

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 has earned a strong reputation in the travel insurance market by providing flexible coverage options. The company features multiple plans, allowing customers to select protection that aligns with their specific travel needs.

A notable benefit is that minors under 17 receive complimentary coverage when added to qualifying policies, making Allianz an attractive choice for families who want tailored insurance solutions.

However, Allianz tends to charge higher premiums than many of its competitors, making it less appealing for budget travelers.

Allianz travel insurance offerings

Allianz provides travelers with a comprehensive selection of coverage, including six single-trip policies, with each plan designed to meet the distinct needs of different travelers.

Here's a look at the comprehensive plans Allianz offers:

OneTrip Basic: Best for budget-conscious travelers who want basic trip protection, including cancellation coverage for prepaid expenses.
OneTrip Prime: Designed for families looking for complimentary coverage for children and other travelers who want higher coverage limits.
OneTrip Premier: Great for travelers who want all the features of OneTrip Prime but with higher limits and more flexibility.

If you’re looking for more limited coverage, Allianz offers a couple of options:

OneTrip Emergency Medical: Best for budget-conscious travelers with minimal prepaid trip expenses who want affordable coverage for medical emergencies, transportation issues and baggage problems.
OneTrip Cancellation Plus: Perfect for people who want basic protection for their cancellations, interruptions and delays, but don't need comprehensive medical or baggage coverage.
OneTrip Rental Car Protector: Great for travelers who want affordable primary car rental insurance coverage without involving their personal auto insurance policy. You can purchase it as an add-on to another plan or as standalone coverage.

What Allianz travel insurance covers

Allianz provides various coverage categories across its travel insurance policies. It's important to note, though, that coverage types and benefit limits can differ depending on the specific plan selected, and not every policy includes all available protections.

Here's a quick summary of the different coverages Allianz has to offer:

Emergency medical coverage: Reimburses medical expenses for injuries and sickness that occur while traveling.
Trip cancellation: Refunds advance payments for nonrefundable expenses like accommodations and activities if you must cancel your journey.
Trip interruption: Reimburses non-recoverable expenses when your travel plans are unexpectedly cut short.
Trip delay: Reimburses additional expenses like meals and hotel when your departure is significantly delayed.
Baggage damage or loss: Pays for the replacement of baggage and personal belongings when luggage is lost or damaged.
Baggage delay: Covers essential purchases like clothing and toiletries when bags are held up in transit.
Emergency medical transportation: Organizes and funds medical transportation to appropriate healthcare facilities.
Epidemic coverage: Protects against trip disruptions caused by disease outbreaks or government-mandated quarantines.

Allianz travel insurance detailed policy overview

Allianz travel insurance plans vary in the features they offer and how much coverage they provide. Here's a look at the six single-trip plans and their coverage amounts.

	Coverage limits
Trip cancellation	OneTrip Basic: Up to $10,000. OneTrip Prime: Up to $100,000. OneTrip Premier: Up to $200,000. OneTrip Emergency Medical: N/A. OneTrip Cancellation Plus: Up to $5,000. OneTrip Rental Car Protector: N/A.
Trip interruption	OneTrip Basic: Up to $10,000. OneTrip Prime: Up to $150,000. OneTrip Premier: Up to $300,000. OneTrip Emergency Medical: N/A. OneTrip Cancellation Plus: Up to $5,000. OneTrip Rental Car Protector: Up to $1,000.
Emergency medical	OneTrip Basic: Up to $10,000. OneTrip Prime: Up to $50,000. OneTrip Premier: Up to $75,000. OneTrip Emergency Medical: Up to $50,000. OneTrip Cancellation Plus: N/A. OneTrip Rental Car Protector: N/A.
Emergency medical transportation	OneTrip Basic: Up to $50,000. OneTrip Prime: Up to $500,000. OneTrip Premier: Up to $1 million. OneTrip Emergency Medical: Up to $250,000. OneTrip Cancellation Plus: N/A. OneTrip Rental Car Protector: N/A.
Baggage loss/damage	OneTrip Basic: Up to $500. OneTrip Prime: Up to $1,000. OneTrip Premier: Up to $2,000. OneTrip Emergency Medical: Up to $2,000. OneTrip Cancellation Plus: N/A. OneTrip Rental Car Protector: Up to $1,000.
Baggage delay	OneTrip Basic: Up to $200. OneTrip Prime: Up to $300. OneTrip Premier: Up to $600. OneTrip Emergency Medical: Up to $600. OneTrip Cancellation Plus: N/A. OneTrip Rental Car Protector: N/A.
Travel delay	OneTrip Basic: Up to $300 ($150 per day). OneTrip Prime: Up to $800 ($200 per day). OneTrip Premier: Up to $1,600 ($200 per day). OneTrip Emergency Medical: Up to $1,000 ($200 per day). OneTrip Cancellation Plus: Up to $150. OneTrip Rental Car Protector: N/A.

Remember that if you're a frequent traveler, it may make sense to consider a multitrip plan that comes with an annual premium rather than a single-trip rate.

Add-on options

Allianz doesn’t offer many options when it comes to customization, but there are a couple of notable optional coverages you can include in some plans:

Pre-existing condition coverage: Provides protection for sudden episodes of existing health conditions when qualification criteria are met.
Cancel anytime: Allows you to cancel your trip for any reason and receive partial reimbursement of up to 80% of nonrefundable costs.
Required to work: Add this to your plan, and you’ll qualify for trip cancellation and interruption coverage for work-related emergencies.

What Allianz plans do not cover

Coverage amounts and included benefits differ across Allianz policies, with some plans omitting various protections altogether. That said, the following situations and activities are typically not covered.

Allianz does not cover:

Extreme sports.
The use of alcohol or drugs or any symptoms as a result.
Normal pregnancy or childbirth.
Participation in sporting events.
Natural disasters.
War, acts of war, or military duty.
Civil disorder or unrest.
Covered events resulting from gross negligence.
Travel against the orders or advice of any government or other public authority.

How much is Allianz travel insurance?

Cost is often the primary factor people consider when deciding between travel insurance companies. The cost of an Allianz plan will vary depending on which plan you choose, the cost of your trip, your age and gender, and other factors.

In this example, we have a 45-year-old traveler from Illinois heading to Mexico for a one-week vacation, with a total trip cost of $1,500.

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.

How Allianz compares with its competitors

Before buying a policy with Allianz, it’s important to shop around and compare plan options, coverage amounts, and rates across multiple insurance carriers.

Using the same example as above, here’s how some of the top travel insurers compare. Keep in mind that less expensive plans may offer fewer benefits or lower limits. As you shop around, be sure to use an apples-to-apples comparison.

Company	Basic plan cost
iTravelInsured	$9.70.
GeoBlue	$15.89.
USI Affinity	$19.07.
Berkshire Hathaway	$23.
Tin Leg	$24.
World Trips	$27.
Trawick	$42.89.
Aegis	$53.
Seven Corners	$58.
Nationwide	$59.
American Express Travel Insurance	$59.
HTH WorldWide	$60.29.
Travel Insured	$61.
John Hancock	$63.
TravelSafe	$65.
AIG	$65.73.
USAA	$67.
Allianz	$70.
AXA	$71.
Chubb	$76.18.
Faye	$76.25.
World Nomads	$83.60.
Costco	$97.50.

Which Allianz plan is best for me?

Choosing the right Allianz travel insurance plan depends on your specific trip and what you need covered. The choice is especially important with plans like OneTrip Emergency Medical and OneTrip Cancellation Plus because their coverages are limited.

Before buying a plan, think about a few important things. First, add up how much money you've already spent on your trip that you can't get back – think hotel bookings, flights, and tours. This helps you figure out how much cancellation coverage you might need.

Second, check what your regular health insurance covers when you travel. If it doesn't cover much abroad, you'll want a plan with good medical benefits.

Third, think about what kind of traveler you are. If you're going on adventure trips or have health issues, you might want more complete coverage.

Finally, decide how much you're willing to spend on insurance. Better coverage costs more, but it can save you a lot of money if something goes wrong.

Does Allianz offer 24/7 travel assistance?

Allianz offers round-the-clock travel support for its policyholders. Customers in the United States or Canada can reach assistance by calling 800-654-1908, while travelers elsewhere should call 804-281-5700. You may also use the Allyz mobile app to reach someone.

The company's 24/7 assistance can support you with various trip-related challenges, including rebooking flights, tracking missing baggage, obtaining prescription replacements, and handling other travel-related concerns.

How to file a claim with Allianz travel insurance

You can submit a claim to Allianz through their online claims portal. Be prepared with relevant details, including the nature of the incident, the reason for your claim, the date when the problem occurred, and the amount you're requesting.

Additionally, you’ll need to provide documentation supporting your loss, which can be uploaded directly through the portal system.

Is Allianz travel insurance worth it?

While Allianz premiums may be higher than some competitors’, the company's diverse plan options help manage costs by allowing you to purchase only the coverage that matters for your specific trip. This targeted approach means you won't pay for unnecessary benefits.

The three comprehensive Allianz plans also provide coverage for pre-existing medical conditions, a valuable benefit that many travel insurance providers either exclude entirely or offer with restrictions. This feature makes Allianz particularly attractive for travelers with ongoing health concerns who want reliable protection during their trips.

Frequently Asked Questions

Does Allianz cover flight cancellation?

Most Allianz travel insurance plans cover flight cancellation, but only for specific reasons listed in your policy. These covered reasons usually include things like getting sick, having a family emergency, severe weather, or if your airline goes out of business.

However, if you simply change your mind about traveling or cancel for a reason not covered by your plan, Allianz won't reimburse you unless you purchased the “Cancel Anytime” add-on.

How long does an Allianz refund take?

Once you’ve submitted your claim and supporting documentation, Allianz will contact you within 10 business days with a decision or a request for additional information.

If your claim is approved, the refund timeline will vary depending on the time to process your claim and your chosen payment method. Direct deposit typically takes two to five business days, while a paper check can take 10 to 14 business days.

Is Allianz travel insurance primary or secondary?

Allianz travel insurance is primary for emergency medical and dental. However, other medical coverage is secondary. This means it pays out after any other eligible health insurance plans you may have.

Does Allianz cover COVID?

Yes, most Allianz plans come with epidemic coverage, which includes trip cancellation and interruption protection if your trip is impacted because you, a travel companion, or a family member was diagnosed with an epidemic disease like COVID-19.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph® Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: American Express Platinum Card®
Business travelers: Ink Business Preferred® Credit Card

Article sources

NerdWallet writers are subject matter authorities who use primary, 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 standards for journalism by reading our editorial guidelines.