Allianz Travel Insurance: A Comprehensive Review
Allianz is an international insurer that offers travel insurance plans in single and multi-trip varieties that come with extensive benefits. In addition to these plans, Allianz also offers rental car protection plans.
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Are you planning a vacation, business trip, or other short-term travel and want financial protection for yourself and your luggage? If so, you will want to purchase a travel insurance plan so you are protected from financial losses and medical emergencies when abroad.
In this article, we will discuss Allianz’s travel insurance policies, their benefits, disadvantages, as well as their costs. If you decide short-term travel insurance isn’t the right fit for you, feel free to check out our international health insurance policies as well.
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Allianz Travel Insurance Overview
Allianz Global Insurance provides travel insurance to its members to protect them against financial risks that can occur while traveling, such as delayed baggage or even medical emergencies. Allianz is a world leader in providing travel insurance, with over 70 million customers every year.
Allianz offers annual plans, multi-trip plans, and single-trip plans for travelers all across the world. They have plans for any kind of budget, with their OneTrip Basic plan as an affordable choice with basic travel insurance coverage.
Benefits of Allianz Travel Insurance
Allianz travel insurance has the many benefits of diverse plan options, 24/7 assistance, and concierge services. These attractive key features of Allianz travel insurance policies set them aside from other insurance providers.
Variety of Plans Available
Allianz offers single-trip, multi-trip, annual, and rental car protection plans in a variety of different coverage categories. A popular choice of plan is the AllTrips Executive, which includes higher trip cancellation and interruption limits and business equipment rental coverage.
With Allianz’s variety of plans, travelers are much more likely to find the perfect fit for their budget and needs. Benefits and coverage limits vary, and some plans may even cover their policyholder’s pre-existing conditions.
24-Hour Hotline Assistance
With Allianz’s 24-Hour Hotline Assistance, members can access a team of multilingual specialists for help with any kind of travel problem. Allianz’s assistance team can help members report lost baggage, find emergency medical providers, replace passports, refer you to legal assistance, and more.
Expat Concierge Services Available
Members can enjoy concierge services that provide personalized information about the trip’s destination. Concierge services can also help assist you with a variety of other tasks, such as securing restaurant reservations and event tickets.
Allianz Travel Insurance Plans
Allianz offers single-trip, multi-trip, annual, and rental car protection plans. Members can choose between multiple plan options within the single-trip and multi-trip categories that have differing levels of coverage and benefit options.
Allianz Single-Trip Plans
Allianz offers single-trip travel insurance through their OneTrip Prime, OneTrip Basic, OneTrip Premier, OneTrip Emergency Medical, and OneTrip Cancellation Plus plans. OneTrip Prime remains Allianz’s most popular travel insurance policy choice.
- OneTrip Prime: Offers expanded coverage and free coverage for children 17 and under when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).
- OneTrip Basic: Includes trip cancellation and interruption benefits, as well as post-departure benefits like emergency medical coverage and lost/damaged baggage benefits.
- OneTrip Premier: Has nearly double the amount of post-departure benefit limits as OneTrip Prime, and also includes more reasons for trip cancellation.
- OneTrip Emergency Medical: Offers benefits for emergency medical expenses and coverage for trip delays and lost luggage.
- OneTrip Cancellation Plus: Allianz’s most economical plan is ideal for domestic travelers who want cancellation and trip interruption coverage but no post-departure benefits.
Allianz Single-Trip Plan Benefit Comparison
Each plan varies in coverage limits and benefits included, with OneTrip Premier offering the most comprehensive coverage and OneTrip Basic offering the most basic coverage. We have compiled the table below to compare the plan’s benefits with each other.
| Allianz Single-Trip Travel Insurance Plan Comparison (in USD) | |||||
| OneTrip Basic | OneTrip Prime | OneTrip Premier | OneTrip Emergency
Medical |
OneTrip Cancellation
Plus |
|
| Trip Cancellation | Covered up to $10,000 | Covered up to $100,000 | Covered up to $200,000 | No Coverage | Covered up to $5,000 |
| Trip Interruption | Covered up to $10,000 | Covered up to $150,000 | Covered up to $300,000 | No Coverage | Covered up to $5,000 |
| Travel Delay | Covered up to $300 (daily limit $150) | Covered up to $800 (daily limit $200) | Covered up to $1,600 (daily limit $200) | Covered up to $1,000 (daily limit $200) | Covered up to $150 (daily limit $150) |
| Baggage Delay | Covered up to $200 | Covered up to $300 | Covered up to $600 | Covered up to $600 | No Coverage |
| Baggage Loss/Damage | Covered up to $500 | Covered up to $1,000 | Covered up to $2,000 | Covered up to $2,000 | No Coverage |
| Emergency Medical Coverage | Covered up to $10,000 | Covered up to $50,000 | Covered up to $75,000 | Covered up to $50,000 | No Coverage |
Other benefits included in these plans are concierge services, epidemic coverage, and trip change protection.
Allianz Multi-Trip/Annual Plans
Allianz offers multi-trip and annual travel protection through their AllTrips plans. These plans include AllTrips Basic, AllTrips Premier, AllTrips Executive, and AllTrips Prime.
- AllTrips Basic: Offers medical emergency protection but without the trip cancellation benefits.
- AllTrips Premier: Provides an entire year of worldwide travel protection for you and your household, whether you travel together or separately.
- AllTrips Executive: Includes higher trip cancellation and interruption limits as well as an addition of business equipment rental benefits.
- AllTrips Prime: Offers affordable protection for a year with all the standard benefits of travel insurance.
Allianz AllTrips Plans Benefit Comparison
Each plan varies in coverage limits and benefits included, with AllTrips Premier offering the most comprehensive coverage to the average traveler. We have compiled the table below to compare the plan’s benefits with each other.
| Allianz AllTrips Travel Insurance Plan Comparison (in USD) | ||||
| AllTrips Basic | AllTrips Prime | AllTrips Premier | AllTrips Executive | |
| Trip Cancellation | No Coverage | Covered up to $3,000 | Choice of coverage limit of $2,000/ $5,000/$10,000/ $15,000 | Choice of coverage limit of $5,000/$7,500/ $10,000 |
| Trip Interruption | No Coverage | Covered up to $3,000 | Choice of coverage limit of $2,000/ $5,000/$10,000/ $15,000 | Choice of coverage limit of $5,000/$7,500/ $10,000 |
| Travel Delay | Covered up to $600 (daily limit $200) | Covered up to $600 (daily limit $200) | Covered up to $1,500 (daily limit $300) | Covered up to $1,600 (daily limit $200) |
| Baggage Delay | Covered up to $200 | Covered up to $200 | Covered up to $2,000 | Covered up to $1,000 |
| Baggage Loss/Damage | Covered up to $1,000 | Covered up to $1,000 | Covered up to $2,000 | Covered up to $1,000 |
| Emergency Medical Coverage | Covered up to $20,000 | Covered up to $20,000 | Covered up to $50,000 | Covered up to $50,000 |
Other additional benefits included in AllTrips plans are:
- Travel Accident Coverage: Provides cash payment in the case of death, loss of limb(s), or sight as a result of a covered travel accident.
- Rental Car Damage and Theft Coverage: Covers costs if your rental car is stolen or damaged in an accident or while it’s left unattended (not available to residents of KS, TX, and NY).
- Business Equipment Coverage: Covers the replacement or repair of business equipment that has been lost, stolen, damaged, or delayed (only available with AllTrips Executive).
- Business Equipment Rental Coverage: Covers costs of renting replacement business equipment if yours has been lost, stolen, damaged, or delayed (only available with AllTrips Executive).
Rental Car Protection
Allianz offers rental car protection with its OneTrip Rental Car Protector plan. This plan was designed to offer financial protection against collision, loss, damage, and more. The benefits in this plan include:
- $50,000 Collision Damage Waiver
- $1,000 Trip Interruption Benefit
- $1,000 Baggage Loss/Damage Benefit
- 24-Hour Hotline Assistance
Allianz Travel Insurance Cost
The cost of a travel insurance policy from Allianz will depend on the policy chosen and factors like the age of the travelers and the cost of the trip. If you are planning a stay at a luxury resort or location, your policy will reflect the cost of the potential reimbursement you may need.
Your age also affects the price of your policy. Generally, the older you are the more you are at risk of health issues, and the more it will cost to insure you. For more information on the price of a policy, reach out to our insurance experts for a free quote.
Frequently Asked Questions:
Is buying travel insurance with Allianz worth it?
Buying travel insurance with Allianz is worth it if you value comprehensive benefits, 24/7 hotline assistance, and financial protection while you travel. Traveling can cause some major financial losses through medical emergencies or cancellations, and travel insurance protects you from those risks.
What are the steps to filing a claim with Allianz Travel Insurance?
You can make an insurance claim through Allianz by sending in a picture of your invoice from your medical provider and any other documentation that can apply to the claim. After you’ve sent it in, you can request a reimbursement on your MyHealth Digital Services.
Who is covered under my travel insurance plan?
The only ones covered under your travel insurance policy are those that have been named in your plan documents. Kids 17 and under are covered for free when traveling with a parent or grandparent in Allianz’s OneTrip Prime plans, and the AllTrips Premier plan can cover an entire household.
Conclusion
With an Allianz travel insurance policy, you can travel protected from significant financial and medical risks. Whether you are planning a single trip or vacation, or you’re a business executive who will travel multiple times per year, Allianz has a policy that can be the right fit for you.
For a quote on Allianz health insurance, you can use Pacific Prime’s free quote comparison tool or contact one of our insurance brokers directly. As a broker, we are not tied to any one insurer in particular, meaning we can give you unbiased advice on a multitude of policies.
With over 20 years of experience in providing insurance solutions to expats and travelers across the globe, Pacific Prime is ready to help you with all things insurance. Visit us online to get started on your journey abroad!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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