Allianz Travel Insurance Review and Cost (2024) (2024)

Our Thoughts on Allianz Travel Insurance

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad. This service includes help with hotel and flight re-bookings, stolen travel documents, medical care arrangements and more.

Allianz scored highly in the customer service and reviews section of our methodology. Along with 24-hour assistance and concierge services, it offers a mobile app and various ways to file a claim, according to our research. However, Allianz does not offer cancel for any reason (CFAR) coverage with any of its plans, an add-on that many other companies we’ve reviewed feature. It’s also one of the pricier providers we’ve gathered quotes for, so if you’re looking for a budget plan, Allianz may not be a good fit.

DID YOU KNOW?

According to our survey of 1,000 people who have purchased travel insurance, 16% went with Allianz. Of those customers, 93% said travel insurance is worth the cost, with most citing peace of mind or financial protection as the reason.

Pros and Cons

Pros

Offers specialized plans for business and frequent travelersProvides coverage for unique items in the event of loss or damageOffers a range of plans, including single, multi and annual travel coverage

Cons

Basic insurance may be more expensive than some competitorsAdditional insurance is required to cover some adventure sports

How Allianz Scored in Our Methodology

When we analyzed Allianz using our travel insurance ratings methodology, the company scored 4.1 out of 5 stars. The provider lost points in all categories except for coverage details and customer service and reviews and was awarded zero points for not offering cancel for any reason (CFAR) coverage.

Allianz Travel Insurance Review and Cost (2024) (5) Flip Card Allianz Travel Insurance Rating

MarketWatch Rating 4.1 / out of 5 stars

Rating is based off of MarketWatch Methodology Guidelines

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Rating breakdown

Cost While Allianz offers six or more plans for travelers to choose from, earning points in this category, the cost of coverage is above the average annual premium calculated by our team. 4.5 / 5

Coverage Extras Allianz lost points in this category for lacking business equipment and extreme sports coverage extras. 3.8 / 5

Coverage Details We awarded full points for Allianz’s flight, medical and delay coverage details. 5 / 5

CFAR Coverage Amount Allianz offers no CFAR coverage, resulting in no points for this rating factor. 0 / 5

Claim Eligibility Window While Allianz has 12-hour or less claim eligibility windows for baggage and travel delays, the company has a longer timeline for hurricane and weather delays. 4.2 / 5

Cancellation/Interruption Coverage Allianz earned points for offering 100% trip cancellation and trip interruption coverage. 4.6 / 5

Delay Coverage Allianz offers baggage delay coverage of $200 or more in its most economical plan, meeting what our team deemed an industry standard. However, the company lost points for offering a travel delay coverage amount of less than $500. 4.5 / 5

Customer Service and Reviews Allianz earned points for offering 24-hour assistance, a mobile app, concierge services, two ways to file a claim and more. It also received a bonus point for holding BBB accreditation. 5 / 5

Credit Rating A high AM Best credit rating influenced Allianz’s rating in this category. 4 / 5

Compare Allianz to the Competition

Use the table below to compare average plan costs, “Cancel For Any Reason” (CFAR) coverage and COVID-19 coverages of all our top travel insurance providers to Allianz Global Assistance:

CompanyAverage Plan CostCFAR CoverageCOVID-19 CoverageBBB RatingVisit Site

Allianz Travel Insurance Review and Cost (2024) (6)Allianz Global AssistanceREAD REVIEW

$283Yes, up to 50%YesA+READ REVIEW
$298Yes, up to 75%YesNot RatedGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (8)TravelexGET QUOTE

$242Yes, up to 75%YesA+GET QUOTE

Allianz Travel Insurance Review and Cost (2024) (9)Nationwide Travel InsuranceGET QUOTE

$182Yes, up to 75%Yes, limitedA+GET QUOTE

Allianz Travel Insurance Review and Cost (2024) (10)Generali Global AssistanceGET QUOTE

$228Yes, up to 60%YesA+GET QUOTE
$273Yes, up to 75%Yes, limitedA+GET QUOTE

Allianz Travel Insurance Review and Cost (2024) (12)Trawick InternationalGET QUOTE

$208Yes, up to 75%YesBGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (13)AXA Assistance USAGET QUOTE

$266Yes, up to 75%Yes, limitedA-GET QUOTE

Allianz Travel Insurance Review and Cost (2024) (14)HTH Travel InsuranceGET QUOTE

$72Yes, up to 75%Yes, limitedA-GET QUOTE

Allianz Travel Insurance Review and Cost (2024) (15)Seven Corners Travel InsuranceGET QUOTE

$206Yes, up to 75%YesA+GET QUOTE

Allianz Travel Insurance Review and Cost (2024) (16)AIG Travel GuardGET QUOTE

$241Yes, up to 50%Yes, limitedA+GET QUOTE
CompanyBBB RatingAverage Plan CostCFAR CoverageCOVID-19 CoverageVisit Site

Allianz Travel Insurance Review and Cost (2024) (17)Allianz Global AssistanceREAD REVIEW

A+$283Yes, up to 50%YesREAD REVIEW
Not Rated$298Yes, up to 75%YesGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (19)TravelexGET QUOTE

A+$242Yes, up to 75%YesGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (20)Nationwide Travel InsuranceGET QUOTE

A+$182Yes, up to 75%Yes, limitedGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (21)Generali Global AssistanceGET QUOTE

A+$228Yes, up to 60%YesGET QUOTE
A+$273Yes, up to 75%Yes, limitedGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (23)Trawick InternationalGET QUOTE

B$208Yes, up to 75%YesGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (24)AXA Assistance USAGET QUOTE

A-$266Yes, up to 75%Yes, limitedGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (25)HTH Travel InsuranceGET QUOTE

A-$72Yes, up to 75%Yes, limitedGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (26)Seven Corners Travel InsuranceGET QUOTE

A+$206Yes, up to 75%YesGET QUOTE

Allianz Travel Insurance Review and Cost (2024) (27)AIG Travel GuardGET QUOTE

A+$241Yes, up to 50%Yes, limitedGET QUOTE

No results were found.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

20

Companies Reviewed

500

Quotes Collected

36

Rating Factors

Allianz v. Seven Corners

When compared, Allianz and Seven Corners present different benefits. Seven Corners’ Trip Protection Choice plan is almost 33% cheaper than the Allianz OneTrip Premier plan, and it offers $500,000 in medical expense coverage versus Allianz’s $75,000. However, Allianz provides higher benefits for lost baggage and baggage delay coverage.

See the table below for a comparison of similar plans offered by Allianz and Seven Corners.

Allianz OneTrip PremierSeven Corners Trip Protection Choice
Average cost$349$263
Trip cancellation100%100%
Trip interruption150%150%
Medical expense$75,000 per person$500,000
Emergency evacuation and repatriation of remains$1 million$1 million
Lost baggage$2,000$250
Trip delay$1,600 per person$2,000
Baggage delay$600$100 per day (up to $500)

Read our Seven Corners Travel Insurance Review to learn more.

Allianz vs. Generali Global Assistance

Generali Global Assistance’s Premium plan costs slightly less than Allianz’s OneTrip Premier plan while providing more than double the medical expense coverage. Generali also provides 175% trip interruption coverage versus Allianz’s 150%. However, Allianz offers higher baggage delay and trip delay benefits.

Compare similar plans from Allianz and Generali Global Assistance using the table below.

Allianz OneTrip PremierGenerali Premium
Average cost$349$322
Trip cancellation100%100%
Trip interruption150%175%
Medical expense$75,000 per person$250,000 per person
Emergency evacuation and repatriation of remains$1 million$1 million per person
Lost baggage$2,000$2,000 per person
Trip delay$1,600 per person$1,000 per person
Baggage delay$600$500 per person

Check out our Generali Global Assistance Travel Insurance Review to learn more.

What Does Allianz Travel Insurance Cover?

Allianz offers basic travel insurance with its OneTrip Basic plan and the coverage compares favorably to other providers. It’s marketed as a plan to fit your budget with essentials covered to offer peace of mind. Here are the insurance coverage limits offered by the Allianz OneTrip Basic plan:

  • $10,000 of trip cancellation costs
  • $10,000 of trip interruption costs
  • $10,000 for emergency medical
  • $500 for emergency dental expenses
  • $50,000 emergency medical transportation
  • $500 baggage damage/loss
  • $200 baggage delay
  • $300 travel delay

Allianz travel insurance coverage extends to other policies to suit a wide variety of travelers looking for a basic plan.

  • OneTrip Emergency Medical: This affordable plan doesn’t include trip cancellation or trip interruption benefits. However, it offers emergency medical coverage up to $50,000 and travel accident coverage up to $10,000, among other benefits.
  • AllTrips Basic: A more comprehensive plan that provides year-long protection for one low rate. It includes travel delay coverage of up to $600 and emergency medical coverage up to $20,000, along with baggage coverage of up to $1,200.

Optional Riders

Add-ons, also known as insurance riders, are travel insurance options you can add to a policy to increase your coverage. Allianz offers optional trip protection designed to safeguard you from financial losses regarding specific risks or activities.

  • Hazardous Sports Travel Insurance: This add-on covers costs associated with certain activities, including deep-sea fishing, skateboarding and wall climbing. Other benefits include trip cancellation coverage for ski vacations of up to $500 and reimbursem*nt of up to $300 for damaged, lost or stolen ski equipment.
  • Terrorism Extension Cover: Covers loss, damage or injury in the event of an act of terrorism to you as an innocent bystander of up to $100,000.
  • Cancel Anytime: Available with premium policies such as OneTrip Premier, this optional upgrade of cancel for any reason (CFAR) coverage reimburses 80% of non-refundable costs if you cancel your trip for reasons your standard plan may not cover.
  • OneTrip Rental Car Protector: This rental insurance product provides coverage for rental car damage with collision, loss and damage up to $50,000. It also includes 24-hour emergency assistance.
  • Required to Work: This add-on, which is included with the OneTrip Prime policy, provides trip cancellation and trip interruption coverage for work-related emergencies.

Policies Offered

The chart below outlines the travel insurance policies offered by Allianz to help you compare plan details and coverage limits.

Policy TierCFARTrip DelayTrip Interruption and CancellationBaggageMedical
OneTrip Basic PlanNo$300 ($150 per day limit)Trip cancellation $10,000; trip interruption $10,000Baggage loss/damage $500; baggage delay $200Emergency medical $10,000; emergency medical transportation $50,000
OneTrip Prime PlanOptional upgrade$800 ($200 daily limit)Trip cancellation $100,000; trip interruption $150,000Baggage loss/damage $1,000; baggage delay $300Emergency medical $500,000; emergency medical transportation $50,000
OneTrip Premier PlanOptional upgrade$1,600 ($200 daily limit)Trip cancellation $200,000; trip interruption $300,000Baggage loss/damage $2,000; baggage delay $600Emergency medical $75,000; emergency medical transportation $1,000,000
OneTrip Emergency Medical PlanNo$1,000 ($200 daily limit)NoBaggage loss/damage $2,000; baggage delay $600Emergency medical $50,000; emergency medical transportation $250,000
OneTrip Cancellation Plus PlanNo$150 ($150 daily limit)Trip cancellation $5,000; trip interruption $5,000Baggage loss/damage $1,000; baggage delay $200No
AllTrips Basic PlanNo$600 ($200 daily limit)NoBaggage loss/damage $1,000; baggage delay $200Emergency medical $20,000; emergency medical transportation $100,000
AllTrips Prime PlanNo$600 ($200 daily limit)Trip cancellation $3,000; trip interruption $3,000Baggage loss/damage $2,000; baggage delay $600Emergency medical $20,000; emergency medical transportation $100,000
AllTrips Premier PlanNo$1,500 ($300 daily limit)Trip cancellation $15,000; trip interruption $15,000Baggage loss/damage $2,000; baggage delay $2,000Emergency medical $50,000; emergency medical transportation $500,000
AllTrips Executive Plan$1,600 ($200 daily limit)Trip cancellation $10,000; trip interruption $10,000Baggage loss/damage $1,000; baggage delay $1,000Emergency medical $50,000; emergency medical transportation $250,000

Cost of Allianz Travel Insurance

According to our research, the average cost of Allianz is $275.

The cost of travel insurance depends on a range of factors, including your age, the destination and pre-existing medical conditions you may have. To help you understand costs when you get a quote, we gathered some samples from the Allianz website.

Use the chart below to compare Allianz's average cost to competitors:

Does Allianz Offer 24/7 Travel Assistance?

Allianz Global Assistance offers 24/7 travel assistance via a multilingual team for all travel insurance plans. The team helps travelers with issues pertaining to policy covered reasons for requiring help. This includes, but isn’t limited to, medical care arrangements, hotel and flight re-bookings and stolen travel documents.

Allianz Customer Reviews

Our research team considers customer reviews and ratings when formulating a company's overall score. At the time of this review, Allianz held a 4.4 out of 5-star rating on Trustpilot. To better understand what consumers like and dislike about Allianz, we read the most recent customer reviews featured on Trustpilot.

What Customers Like

  • Excellent customer service: Several customers were impressed with the company’s kind, helpful and professional customer service agents. This reviewer, in particular, stated that their local travel agent highly recommended the company.
  • Quick claims processing: Many reviewers noted an immediate company response to their claims, along with a timely review and reimbursem*nt.
  • Easy enrollment process: New policyholders, such as this one, praised Allianz’s easy and straightforward enrollment process when purchasing a policy.

What Customers Don’t Like

  • Frustrating claims experience: While many customers were pleased with their claims experience, some reviewers spoke of waiting months to receive reimbursem*nt.
  • Denial of claims: Several customers noted they had all the proper documents for a claim as outlined in their policy terms, yet were still denied.
  • Confusion around payment: Several policyholders noted that they requested direct deposit for claims payment and received a check in the mail instead.

We reached out to Allianz for comment on its negative customer reviews and received a response from Daniel Durazo, director of external communications for Allianz Partners USA.

“Allianz Travel Insurance is a customer-focused insurance company that works hard to provide products and services that meet the changing needs of consumers,” he said. “The company is proud of its 4.4 rating on Trustpilot and has received multiple awards for outstanding customer service. While insurance claims do take some time to process, the average time from claim receipt to approval is 17 days, and half of all claims are approved within six days.”

How To File a Claim with Allianz

You can file a claim with Allianz Global Assistance online on the File a Claim page or in the TravelSmart app. Alternatively, call 1-866-884-3556 for 24/7 assistance. Provide your policy number, departure date, and policy type, and the Allianz website will guide you through the process. You’ll need supporting claim documents—the Allianz website has the required documents for each type of claim.

The process is straightforward, but they also have a video to demonstrate how to file a claim. You can monitor the status of existing claims in the app or online.

Is Allianz Travel Insurance Worth It?

Allianz is a good option for travelers since it offers a broad range of travel insurance policy options to suit almost anyone. From the OneTrip Basic Plan to the AllTrips Premier Plan, each policy provides sufficient coverage for emergency medical and trip cancellations while catering to different budgets and types of trips. All policies offer a high level of emergency assistance with 24/7 access to company support.

The AllTrips Executive Plan is well suited to business travelers, with coverage for business and rental equipment included. For all travelers, a choice of optional policy upgrades is useful, including CFAR and OneTrip Rental Car Protector. You can speak to a representative to help you understand which plan is right for you. Whichever policy you choose, Allianz offers affordable safeguards for your travels.

Read More: Travel Insurance For Parents Visiting The USA

Frequently Asked Questions About Allianz Travel Insurance

Allianz travel insurance reimburses you for financial losses covered by your policy, once you’ve filed and received approval for a claim. Depending on the policy chosen, travel insurance helps to recoup costs from trip cancellations, delayed baggage, medical emergencies and damaged valuables. Policy upgrades and access to 24/7 assistance are available with Allianz travel insurance.

Yes, Allianz is a reputable company. Allianz, the parent company of Allianz Global Assistance, has a history that spans more than 100 years. Partners across the world include travel agencies, airlines and credit card companies. According to Allianz, approximately 55 million travelers use its services.

The price of Allianz travel insurance depends on factors such as the cost of your trip, how long you’re traveling for, your age and pre-existing medical conditions you may have. Based on sample quotes we pulled for a $4,000 trip to Spain for two weeks, it would cost $134 to insure a 40 year-old New York resident under the OneTrip Basic Plan.

We recommend you request a free quote on the Allianz website to check rates and compare options before buying travel insurance.

Other Insurance Resources From MarketWatch Guides

Discover our top recommendations for the following insurance types to find the providers that best meet your needs.

  • Best Pet Insurance Providers
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Methodology: Our System for Rating Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:

  • Cost (10%): To determine a baseline average travel insurance cost, we gathered quotes from each travel insurance company based on different traveler profiles. Travel insurance companies at or below our calculated average cost of $221 earn full points in this category. Specifically, we obtained quotes for the following trips
    • A 30-year-old couple taking a $5,000 vacation to Mexico.
    • A family of four taking an $8,000 vacation to Mexico.
    • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
    • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
    • A 19-year-old taking a $2,000 trip to France.
    • A 27-year-old couple taking a $1,200 trip to Greece.
    • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursem*nt amounts for baggage, travel and weather delays. Companies that offer customers reimbursem*nt after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.


A.M. Best Disclaimer

Allianz Travel Insurance Review and Cost (2024) (32)

Nicole Leigh WestAuthor

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Allianz Travel Insurance Review and Cost (2024) (33)

Tori AddisonEditor

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Allianz Travel Insurance Review and Cost (2024) (2024)

FAQs

What are the cons of Allianz travel insurance? ›

However, Allianz does not offer cancel for any reason (CFAR) coverage with any of its plans, an add-on that many other companies we've reviewed feature. It's also one of the pricier providers we've gathered quotes for, so if you're looking for a budget plan, Allianz may not be a good fit.

Why is Allianz so cheap? ›

Allianz policies are often significantly less expensive than other policies for trips longer than 30 days, because they have a different pricing structure than most providers. Length of trip is one of the determining factors of a policy's premium. In most cases, the longer the trip, the more expensive the policy.

How much does full travel insurance cost? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

What is not covered by Allianz travel insurance? ›

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

How reliable is Allianz travel insurance? ›

Allianz Travel can be a solid choice if you're looking to purchase travel insurance. However, it's always a wise idea to compare multiple options to ensure you're getting a good deal. For instance, AXA Assistance USA travel insurance is also a good provider.

What is Allianz weakness? ›

Allianz Weaknesses

Heavily dependent on automobile market. Stiff competition with other major players.

Where does Allianz rank? ›

In terms of total assets, Allianz was ranked second globally in 2023, with an asset value surpassing one trillion U.S. dollars. Allianz also proved to be sixth most valuable German brand in 2022, with a brand value over 40 billion euros.

Will Allianz refund my money? ›

For a full refund of your premium, you must cancel within 15 days of your plan purchase (depending on your state of residence) and must not have filed a claim or departed on your trip. Premiums are non-refundable after this period.

What percent of trip should travel insurance cost? ›

Travel insurance is not one-size-fits-all, so the price and conditions of a plan will vary. However, it may be useful to understand pricing guidelines to plan your travel insurance purchase. In general, you should expect a plan will cost anywhere from 4%-10% of your total pre-paid, nonrefundable trip cost.

Does travel insurance get more expensive closer to the trip? ›

Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).

Does AARP offer international travel insurance? ›

While there are no AARP travel insurance products or discounts available for seniors, members can use the AARP website for trips and tricks on how to plan for international travel and information regarding how to choose the right insurance plan for older travelers.

Does Allianz travel insurance include medical? ›

Allianz Travel Insurance plans can cover most existing medical conditions if you insure the full cost of your trip within 14 days of paying your first trip deposit and if you're medically able to travel when you do so.

Is Allianz insurance OK? ›

With an in-house team of claims handlers and solicitors, Allianz Insurance provide an excellent service in paying claims made under their policies.

Does Allianz cover missed flights? ›

If you have travel insurance, you may be able to claim for the costs of rescheduling - as long as you meet the qualification criteria. If your flight was delayed or cancelled, there's a good chance your travel insurer will cover* the costs of reaching your final destination.

What is the rating of Allianz insurance? ›

The Standard & Poor's rating of AA (Very strong)

Does Allianz pay out? ›

As soon as your claim is processed, we will make payment; however, please be aware that it may take up to 10 working days for the money to show up in your bank account due to bank transaction timelines.

Does Allianz travel insurance pay claims? ›

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses.

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