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Allianz Travel Insurance Review: Is It Worth the Cost?

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Table of Contents

What is Allianz?

What does allianz cover, allianz policy overview, what’s not covered by an allianz plan, how allianz compares with its competitors, how much is allianz travel insurance, how to buy an allianz policy, which allianz travel insurance plan is best for me, does allianz offer 24/7 travel assistance, how to file a claim with allianz travel insurance, is allianz travel insurance worth it, star rating methodology.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• 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 .

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.

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’s policies have a broad array of inclusions. Here's a look at the five single-trip plans, and the included coverage amount.

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. 

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.

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. 

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.

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.

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

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.

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.

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.

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 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.

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.

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.

Allianz travel insurance medical coverage is secondary. This means it pays out after any other eligible plans you may have.

Yes, Allianz plans cover COVID.

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.

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.

How to maximize your rewards

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Flat-rate travel rewards: Capital One Venture Rewards Credit Card

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Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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• Allianz Travel Insurance Review
• Coverage Options

Compare Allianz Travel Insurance

• Why You Should Trust Us

Allianz Travel Insurance Review 2024: Pros & Cons

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

Allianz Travel Insurance Summary

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single-trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its OneTrip Prime and Premier plan.

Allianz is well-reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Coverage Options Offered by Allianz

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Travel Insurance Cost

Allianz single trip travel insurance estimates.

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Allianz travel insurance quotes:

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

• $153 for OneTrip Basic
• $195 for OneTrip Prime
• $270 for OneTrip Premier

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options.

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

Read our guide on the best credit cards with travel insurance here.

Allianz Travel Insurance Frequently Asked Questions

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

Why You Should Trust Us: How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the best travel insurance companies in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance ratings methodology here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Allianz Travel Insurance

Higher CFAR coverage than many other providers

Offers plans for single trips or multiple trips within a year

Kids ages 17 and younger automatically covered under some plans

Low medical limits for some plans

Stipulations required to get coverage for preexisting medical conditions

Some coverages for delays require waits of six or 12 hours

What Allianz Is Known For 

Allianz Travel Insurance offers a greater variety of plans than most other providers, which makes it easier for travelers to tailor their coverage to their needs. Not only does Allianz offer several policy options to help protect individual trips or multiple trips that take place within a year, but the company offers targeted plans that focus on medical expenses or trip cancellation benefits only.

One of the biggest standout features of Allianz is its robust cancel for any reason (CFAR) protection , which can be added to most single-trip travel insurance plans for an additional cost. Where many other providers offer CFAR coverage that reimburses 60% to 75% of prepaid travel expenses, Allianz's reimbursement with CFAR coverage reaches 80%. Some plans, such as OneTrip Prime, also have optional "Required to Work" coverage, which can come in handy if a trip must be canceled due to unforeseen obligations to your job.

Kids ages 17 and younger are also covered automatically with adults with some plans from this provider, and all policies come with 24/7 travel assistance services that can help travelers figure out their next steps if they're in a bind. Overall, travelers can turn to Allianz for just about any level of coverage they need for one trip or all their vacation plans for the year. The best part? It's easy to compare plans, coverage options and costs before purchasing travel insurance online.

Allianz Travel Insurance for Individual Trips

Allianz offers five different travel insurance plans that apply to single trips. Here's a rundown of the coverages that come with each plan and the policy limits that apply. Most benefits and policy limits apply on a per-traveler basis.

Allianz Travel Insurance for Multiple Trips

Allianz also has four plans that can apply to multiple trips that fall within a year. These plans can work well for frequent travelers who don't want to buy coverage each time they jet off somewhere new.

Note that most coverage limits for benefits highlighted below are offered on a per-traveler basis.

Allianz Travel Insurance Costs

How much you'll pay for travel insurance with Allianz depends on the ages of travelers in your group, where you're traveling to, the length of your trip and the coverages you want and need. To give you an idea of what to expect, we priced out some coverage options for trips to a variety of different destinations.

The chart below shows how much coverage these example trips would cost with all available single-trip plans from Allianz.

Spending some time to read over user reviews can help you find the right travel insurance plan for your needs. Fortunately, Allianz Travel Insurance has mostly positive reviews from current and past customers. The insurance company even boasts an average star rating of 4.4 out of 5 stars across more than 67,000 user reviews on Trustpilot.

Here's an overview of some notable reviews from Trustpilot:

Canceled cruise

Unfortunately, due to an illness, we had to cancel our much anticipated cruise. So glad we got the insurance through these guys. We followed the rules and were clearly laid out in our policy, saw the doctor, got the note, and Everything was done online, and within a very timely fashion, we had a complete refund. This is the third time we've used them for insurance, and the first time we've ever had to make a claim, but we will continue to use them in the future. – Aaron M.

Terrific experience

We purchased this policy to cover medical emergencies on a 2 week cruise to South America. We had a frightening medical event on board and visited the clinic on the ship. I wasn't sure this was covered but I filled out the simple form online and less than a week later had a reimbursement check. Thank you Allianz!! – Denice F.

Insurance made easy

Claim processing was easy, and when I've talked to representatives they've been super helpful. The only issue I've had is that it is good to know what your policy covers, as I had a representative once try to tell something wasn't covered that was. I can't recall what it was - travel delay insurance maybe. – Lara D.

Online Claim Filing - Simple & Efficient!

Filing the claim was fairly simple, and uploading my proof for claim was too. Since it was only a single expense for the accommodation (because American Airlines tickets were bought with air miles - and available for our next trip), it was a clear and honest medical need for your coverage. We appreciate the quick response to our claim. – Susan B.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance for well over a decade. Johnson has researched and purchased travel insurance plans for her own trips, and she has successfully filed claims and received reimbursement more than once over the years. Johnson also works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business. Johnson also co-owns the travel agency Travel Blue Book .

Read more about Allianz in:

• The Best Travel Insurance Companies
• The Best Annual Travel Insurance
• The Best International Travel Insurance
• The Best Travel Insurance for Europe
• The Best Travel Insurance for Australia

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

Allianz Travel Insurance Review (2024)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

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.

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

Offers specialized plans for business and frequent travelers

Provides coverage for unique items in the event of loss or damage

Basic insurance may be more expensive than some competitors

Additional insurance is required to cover some adventure sports

How Allianz Travel Insurance 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.

Rating is based off of MarketWatch Methodology Guidelines

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:

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.

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.

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 reimbursement 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.

Allianz Plan Options

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

How Much Does Allianz Travel Insurance Cost?

According to our research, the average cost of Allianz is $275. This is on the more expensive end, approximately 35% more than the national average.

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 Travel Insurance 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 reimbursement.
• 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 reimbursement.
• 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

How does allianz travel insurance work.

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.

Is Allianz a reputable company?

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.

How much do Allianz travel insurance premiums cost?

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
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Cheapest Renters Insurance Providers
• Best Term Life Insurance Providers
• Cheapest Homeowners Insurance Companies

Methodology: Our System for Rating Travel Insurance Companies

• 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 reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement 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

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Get organized, don't be afraid to follow up: How to make your travel insurance claim go faster

What do you do if your travel insurance claim takes forever to process? Peter Hoagland had to answer that question after his payment request dragged on for months.

Hoagland, a consultant from Warrenton, Virginia, took a bucket list cruise to Alaska this summer with a land tour extension. 

"The trip was fantastic," he recalled. "But while I was on the ocean, I had a seizure. I couldn't speak for about 10 minutes. My wife and I wanted to see if it was leading to something else or if we needed to come back."

Hoagland visited the ship's infirmary, where the staff ran a few checks, concluded he was fine and presented him with a $1,000 bill. He submitted the invoice to his travel insurance company. A representative assured him it would take only a week or two to process the claim. But six weeks later, he had heard nothing.

Check out  Elliott Confidential , the newsletter the travel industry doesn't want you to read. Each issue is filled with breaking news, deep insights, and exclusive strategies for becoming a better traveler. But don't tell anyone!

Prepare for the unthinkable: Find the best life insurance policy

He's not alone. Travel insurance companies are backed up with claims from a busy summer and an unexpectedly active fall travel season. But you can speed up the claims process by being meticulous about your paperwork – and by being persistent. And if all else fails, you can do what Hoagland did. Below, I'll let you know how he fixed his claim.

Is travel insurance worth it?  What to know before you book your next trip

How to avoid cruising mistakes: 'People are not paying attention to final payment dates'

Record claims mean record slowdowns

"Travelers are filing claims with their travel insurance providers in record numbers," said Rajeev Shrivastava, CEO of VisitorsCoverage.com, a travel insurance marketplace. "This results in an industrywide delay in claim approvals."

That's not uncommon in a business as highly regulated as insurance, as I explain in my guide to travel insurance . And those delays could carry over into the fall and winter, according to experts.

"Travel has seen a dramatic rebound in 2022 , which is great news for the industry," said Beth Godlin, president of Aon Affinity Travel Practice. But this surge in travelers also has implications for insurance claims – which may be delayed.

Is there a way to make your travel insurance claim go faster? As a matter of fact, there is.

Ways to make your travel insurance claim move faster

You should start worrying about your claim if it had been a month since filing. Most major travel insurance companies process claims within two weeks, except for the most complicated ones. So if yours wasn't complicated, it might be stuck – or lost.

Here's how to avoid a travel insurance claim slowdown:

► Keep your receipts.

Claims get bogged down when you don't send enough information to your insurance company, said Daniel Durazo, director of external communications at Allianz Partners USA. 

"In order to process your claim quickly and accurately, travel insurance providers need all the information they require – including receipts for expenses, documentation of the cause of the cancellation or interruption and documentation of any refunds already received," he said.

That's easier said than done. During an emergency, keeping a receipt is often the last thing that crosses your mind. So when trouble hits, let your inner accountant do its thing. Take pictures of every receipt and bill. You may need them later.

► Triple-check everything.

"That's the biggest piece of advice I have," said Terry Boynton, president of Yonder Travel Insurance, a travel insurance comparison site. "Triple check you're submitting everything requested on the claim forms."

Boynton says Yonder's customers experience the longest claim delays when they don't submit everything requested on the claim forms. If a claims analyst can't process a claim because of missing documentation, the adjuster will ask for more information. But that email too often ends up in a claimant's spam folder, Boynton added. So remember to check your junk mail.

► Be a little pushy.

That's the advice of Damian Tysdal, founder of the travel insurance site CoverTrip.com. He recommends following up within a week of filing your claim to make sure the travel insurance company has everything it needs. "Being proactive can help," he said.

When a travel insurance company is overrun with claims, it's easy for one or two to fall through the cracks. You don't want that to happen to your claim. Too often, follow-up emails requesting more information can get lost in the shuffle, and that can lead to more delays. The only way to make sure your travel insurance claim is on track is to ask.

If your travel insurance company misses a self-imposed deadline, you're not being too pushy. So, for example, if a representative says you'll get a notification in 15 days and the company misses the deadline, it's OK to call. But calling once a week to "check" may be too much.

How to prevent a long travel insurance claim 

There are ways to avoid having a long claim process. One of them is to get insurance with a company that has a more automated claims processing system. For example, Allianz has a proactive payment system called SmartBenefits that can automatically track your flights and send you $100 per insured person when you experience a delay long enough to trigger a payment.

You can also choose an insurance company with a reputation for speedy claims. Faye Insurance handles its claims in-house, which accelerates the claims process, according to Jeff Rolander, the company's director of claims. 

"We respond to customers' claims submissions within 24 hours, and if all the necessary information is provided upon submission, aim to resolve the claim in 48 hours," he said.

So how did Hoagland get his claim fast-tracked? He found the email for his travel insurance company's chief claims officer on my consumer advocacy site . "She responded immediately," he said. "Within two days, I received a phone call telling me my claim was approved for the total amount."

► Understand your policy.  One of the biggest mistakes travelers make is failing to carefully read their travel insurance policy. Then they file a claim for something that isn't covered, which can lead to a long wait – followed by a rejection. "Understand what your travel insurance plan can and cannot do," advised Chiranth Nataraj, CEO of VisitorGuard.com.

► Set realistic expectations.  Even if you do everything perfectly, you still may have to wait, according to professionals. "Don't expect claims to be processed in a week or two," said Stephanie Goldberg-Glazer, owner of Live Well, Travel Often, a boutique travel agency. "It typically takes about a month or up to two months. And some companies may take even longer." Her advice: Be patient. If the claim takes longer than two months, send a polite email asking about the claim. 

► Make a checklist.  Many travel insurance claim forms are detailed, and you can't miss anything, said Tysdal of CoverTrip.com. "Create a checklist of all items they are requiring," he advised. "These will likely be electronic versions, so save them as PDF files with file names that make sense. Submit them as soon as possible."

Christopher Elliott is an author, consumer advocate, and journalist. He founded Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential , a travel newsletter, and the Elliott Report , a news site about customer service. If you need help with a consumer problem, you can reach him here or email him at [email protected] .

Advertiser Disclosure

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

327 Published Articles

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Editor-in-Chief

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Table of Contents

Why purchase travel insurance, travel insurance and the covid-19 virus, types of travel insurance policies available with allianz, how to obtain a quote with allianz, additional travel insurance offered by allianz, how allianz compares, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

There are a lot of choices when it comes to travel insurance companies , so narrowing your selection to those that have a solid financial rating, offer products that provide good value, and receive high customer ratings should be baseline criteria.

Allianz Global Assistance company ( Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products. It also serves over 45 million customers in the U.S. each year with 84% of those customers giving the company a 5-star rating.

Allianz has also been around a long time. In fact, the company was there to insure the Wright Brothers’ first flight and the construction of the Golden Gate Bridge — so you know you’re working with an established organization. You’ll also find that Allianz does business in more than 35 countries.

Let’s take a look specifically at Allianz Travel’s insurance products, show you how to obtain a quote, and give you some tips on purchasing and comparing travel insurance policies.

And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.

Travel insurance can protect your trip investment with coverage for disruption due to unforeseen events such as severe weather, should you become ill, for illness in your family, missed connections, medical emergencies, and more.

Deciding whether to purchase travel insurance for your trip is an option each time you make a travel booking. The coverage is commonly offered by airlines, cruise companies, tour operators and other travel providers at the point of sale. If you travel infrequently and the cost is relatively low, you may just opt for the coverage during the booking process.

However, if you’re going to be taking several trips, you may be able to save money and receive better coverage if you compare with other travel insurance policies in the marketplace. Additionally, you’ll want to determine if it makes sense to purchase single insurance coverage for each trip or an annual all-trips-included policy.

Situations where it makes sense to purchase travel insurance include the following:

• You’re booking an expensive trip that includes a lot of non-refundable upfront expenses
• Your trip includes several travel providers (i.e. airlines, hotels, and tour operators)

While travel insurance is meant to cover unforeseen events, purchasing Cancel for Any Reason coverage may allow you to cancel your trip for any reason.

Bottom Line: If you’re uncomfortable with the amount of money you have at risk when you travel, securing travel insurance can provide immediate peace of mind . You’ll have solace in knowing that if you needed to cancel your travel plans due to a covered event or if your travel is disrupted, you’ll be able to recoup most, or all, of your investment.

Most travel insurance policies do not provide coverage for trip cancellation due to fear of the coronavirus pandemic . However, COVID-19 is an included illness on many travel insurance policies as it relates to certain coverages such as emergency medical care while traveling and canceling a trip if you become ill with the virus. You may also have coverage if a family member or travel companion contracts the virus and you must cancel your trip as a result.

The only way to cover trip cancellations due to fear of contracting COVID-19 is to purchase Cancel for Any Reason insurance. This coverage can be added to a comprehensive travel insurance policy (with limitations) and subsequently allows you to cancel your trip for any reason.

While Allianz does not offer Cancel for Any Reason insurance , it may cover COVID-19 related illness in the following circumstances:

• Emergency medical care while traveling
• Trip cancellation due to becoming ill with the virus

Allianz Epidemic Coverage Endorsement

Allianz recently announced that it is adding a new endorsement to select policies that will offer limited coverage for COVID-19 . Circumstances such as becoming ill with COVID-19 and having to cancel your trip, hospitalization, and trip delays due to such illness while traveling will have coverage.

Emergency transportation coverage has also been expanded to include COVID-19-related illness. Terms and conditions apply and the endorsement is not available on all policies Allianz offers.

You can find policies that offer Cancel for Any Reason insurance at TravelInsurance.com  and Aardy.com .

Bottom Line: Travel insurance policies normally do not cover canceling your trip because of fear you might get ill. However, Cancel for Any Reason insurance allows you to cancel a trip for any reason you determine is necessary. 

Allianz Travel offers 2 core types of travel insurance plans: single trip plans and multi-trip plans . Each plan allows you to select the level of coverage you want and subsequently, the level of premium you prefer to pay.

We’ve used criteria to obtain a quote for a traveler age 35, traveling for 1 week to Mexico on a trip costing $3,000 . All benefits are per person, per trip, unless otherwise noted.

OneTrip Plans — For Affordability and Select Coverages

The single trip option allows you to select from a Basic, Prime, or Premier plan. Premiums vary by plan and coverage levels.  For the example we selected, the premiums ranged from  $116 for the Basic to $192 for the Premier pla n .

OneTrip Basic Plan — the Most Affordable Plan

The OneTrip Basic plan offers basic trip protection at an affordable price.

OneTrip Prime Plan — the Most Popular Plan

Need more coverage but still want your travel insurance protection to be affordable? The OneTrip Prime plan offers higher coverage limits at a reasonable cost.

The following are the maximum coverage limits for OneTrip plans. These coverages can be found under the OneTrip Premier Plan:

• Trip Cancellation —  up to $100,000 reimbursement for prepaid non-refundable expenses; pre-existing medical conditions included
• Trip Interruption —  up to $150,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event; pre-existing medical conditions included
• Emergency Medical — up to $25,000
• Emergency Medical Transportation — up to $500,000 for transportation to the nearest medical facility
• Baggage Loss/Damage — up to $1,000 for theft, loss, or damage
• Baggage Delay —  up to $300 for delays 12 hours or more
• Trip Delay — up to $800 ($200/day for 4 days) for delays of 6 hours or more, for eligible expenses; an option to receive $100/day with no receipts required is also available
• Change Fee Coverage — $500
• Loyalty Program Re-deposit Fee Coverage — $500, covers re-deposit of points/miles due to covered trip cancellation
• 24 Hour Hotline Assistance
• Optional coverages include pre-existing medical coverage, rental car coverage, and required to work coverage — restrictions apply

Also worth noting is that kids age 17 and under are covered at no additional charge when traveling with a parent or grandparent.

Bottom Line: Allianz offers several levels of single-trip travel insurance plans that can fit every budget and level of coverage needed. 

AllTrips Annual Plans — Cover All of Your Trips for a 12-Month Period

If you’re a frequent traveler and want to ensure all of your trips are covered without having to purchase individual travel insurance policies, one of the AllTrips plans might be an appropriate choice. All of the trips you book within the 12-month policy period are covered automatically.

Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent.

The AllTrips Executive plan is the most comprehensive policy and includes the maximum coverage limits listed below . AllTrips Prime and AllTrips Basic have less coverage than the Executive plan but may still be appropriate for your situation.

For example, the AllTips Basic plan does not include trip cancellation/interruption insurance but has emergency medical, evacuation, trip delay, baggage insurance, and car rental insurance.

• Trip Cancellation —  up to $10,000 reimbursement for prepaid non-refundable expenses
• Trip Interruption —  up to $10,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event
• Emergency Medical — up to$50,000
• Emergency Medical Transportation — up to $250,000 for transportation to the nearest medical facility
• Baggage Loss/Damage —  up to $1,000 for theft, loss, or damage
• Baggage Delay — up to $1,000 for delays 12 hours or more
• Trip Delay —  up to $200 per day for eligible expenses, up to $1,600 in coverage , for delays of 6 hours or more
• Rental Car Damage and Theft — up to $45,000
• Business Equipment Coverage — up to $1,000
• Change Fee Coverage — up to $500
• Loyalty Program Redeposit Fee — up to $500
• Travel Accident Insurance — up to $50,000
• Concierge Services
• Optional Pre-Existing Medical Coverage — restrictions apply

Bottom Line: Allianz’s AllTrips 12-month plans offer affordable options to cover every trip you have booked or have yet to book within a 12-month period. 

Travel insurance is one of the easiest policies for which to obtain a quote and subsequently purchase a policy. Unlike auto or home insurance, you simply input some basic information about your trip, your age, where you reside, and your quote is instant.

You can then read through the coverages, select a policy that fits, and hit the purchase button. There is also no risk as you’ll have a free-look period where you can review the policy and decide whether to keep it or not.

If not, you can get a full refund. This period can be 10-14 days after purchase , depending on your plan and state regulations.

In addition to the travel insurance packages offered by Allianz, you can purchase these additional plans and coverages available for single trips:

OneTrip Emergency Medical Plan

If trip interruption/cancellation is not important to you, you’ll find this plan with emergency medical, baggage insurance , emergency transport, travel accident coverage , and trip delay an affordable alternative.

OneTrip Cancellation Plus Plan

If you need to cancel your trip for a covered reason or your trip is interrupted for a covered event, you’ll have coverage. Trip delay and 24-hour assistance are included.

Rental Car Damage Protector

For $9 per day, receive rental car damage/theft coverage, rental car trip interruption protection, and baggage loss coverage.

Hot Tip: If trip cancellation/interruption or trip delay coverage comes with your credit card is adequate for your trip but you want additional medical coverage, the Allianz’s OneTrip Emergency Medical plan may be a viable and affordable supplement. 

When it comes to comparing travel insurance policies, it’s difficult to match apples to apples. Coverages vary widely, as well as terms and conditions. The lowest-priced policy is not always the best value for your needs. The flip side is possible, too. You may find a policy with plenty of coverage at a price that is more than you want to spend.

The best solution is when you find a balance between coverage and cost.

Here’s how Allianz’s travel insurance offerings compare with other travel insurance options.

Allianz vs. Credit Card Travel Insurance

The coverage that comes with your credit card does not compare with a comprehensive travel insurance policy . In addition to the limited travel insurance coverage credit cards offer, if you do have a claim, you’ll have the potential hassle of dealing with a third-party claims administrator.

With that being said, the trip cancellation, trip interruption, trip delay insurance, and primary rental car insurance coverages found on several credit cards may be more than adequate for your trip.

Here are some of the best credit cards for travel insurance:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply With Confidence

Know if you're approved with  no credit score impact.

If you're approved and accept this Card, your credit score may be impacted.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees:  None

American Express Membership Rewards

The Amex Platinum card comes with trip cancellation and trip interruption insurance with a benefit of $10,000 per trip, up to a maximum of $20,000 per account per 12-month period.

Pay for your trip with your eligible card and you, your immediate family, and eligible traveling companions are covered for non-refundable expenses paid to the travel provider. Trip interruption coverage will also reimburse for additional travel expenses incurred due to a covered loss during your trip.

Trip delay coverage is also included on the Amex Platinum card for delays more than 6 hours. Reimbursement for incidentals and eligible incurred expenses is limited to $500 per trip with 2 claims allowed per 12-month period.

The Amex Platinum card also comes with emergency medical evacuation coverage .

For more information, check out our detailed guide to the travel insurance benefits offered by the Amex Platinum card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

Pay for your trip with your eligible card for up to $10,000 in coverage per person, $20,000 per trip, and up to $40,000 in a 12-month period. You and your qualifying immediate family are covered.

You’ll also find primary car rental insurance on the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® .

To learn more about the travel insurance benefits on the Chase Sapphire Preferred card , you’ll want to review this detailed article.

Chase Sapphire Reserve Card

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

In addition to the same trip cancellation/interruption/delay coverage as the Chase Sapphire Preferred card, the Chase Sapphire Reserve card offers up to $2,500 in emergency dental and medical coverage , emergency medical evacuation .

For more information check out this guide to all of the travel insurance benefits offered by the Sapphire Reserve.

Allianz vs. Other Travel Insurance Companies

Before purchasing any travel insurance policy, it’s wise to compare — fortunately that’s an easy task to execute. With comparison sites such as the ones listed here, you can compare as many as 100 travel insurance policies very quickly and find a policy that fits your situation and budget.

Keep in mind that insurance rates and coverages are highly regulated by the states . Insurance companies file a certain policy for a certain price with the state insurance commission, then the company is allowed to offer that policy, at that price, in that state.

For this reason, you won’t find the same policy offered at different prices. However, you could find a policy that is a better fit and possibly for less money by comparing several companies’ offerings.

Not all comparison sites include Allianz but when comparing similar policies, you’ll find that the company is competitively priced (a few companies lower and many companies higher). Individual results will vary based on your criteria.

Here are 4 websites that allow you to easily compare travel insurance policies.

• Insure My Trip — With over 60,000 customer reviews, 21 highly-rated travel insurance providers, and a best price guarantee, Insure My Trip makes it easy to find the right travel insurance policy.
• Travelinsurance.com — Compare major top-rated travel insurance company policies easily with this licensed online insurance search engine.
• SquareMouth — This popular travel insurance search engine offers easy comparisons of hundreds of policies offered by dozens of highly-rated insurance companies.
• Aardy — AardvarkCompare is a licensed travel insurance company with agents on staff to help you find the right travel insurance policy. Its website allows you to compare the policies of over 30 travel insurance providers.

There are also specialty companies such as World Nomads  that do a great job providing travel insurance for active individuals. If you’re into outdoor sports, adventure activities, or even more risky activities such as skydiving, you can find coverage through World Nomads.

Bottom Line: If you’re looking to purchase a travel insurance policy, you’ll want to compare companies and policies . First, look at companies with a strong financial rating, select a policy with coverages that are a priority to you, then select a premium you’re comfortable paying. 

Allianz vs. Point-of-Sale Travel Insurance and Protection

Allianz is actually one of the companies that provides the travel insurance you’re offered when you book a flight. An example is displayed in the above image of their offerings when you purchase a Delta Air Lines ticket.

Point-of-sale travel insurance, however, can run from inexpensive options that offer little coverage to expensive options that provide greater coverage but still have limitations, similar to stand-along travel insurance policies.

If you fly once or twice a year, the coverage is adequate for your needs, and the cost is reasonable, you may easily choose to go this route and purchase coverage at the point of sale. However, you may fare better by securing a separate travel insurance quote to compare coverage/cost.

Always read the fine print before purchasing any coverage to ensure you’re getting the coverage you expect. For example, one might assume by looking at this example that canceling the trip would be covered, when in reality the covered reasons are limited.

Bottom Line: Even for point-of-sale travel insurance to cover a single travel purchase, it’s good to get a comparison quote. Securing a quote may save you money while offering broader coverage that could cover your entire trip versus just a portion of it. 

Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.

One downside of Allianz is that the company does not sell Cancel for Any Reason Insurance . This is not an issue if you understand this up front and know that your policy does not allow you to cancel a trip for just any reason. After all, this is the case with most travel insurance — there are specific covered reasons for being able to cancel a trip and have coverage.

Cancel for Any Reason insurance can also result in a premium as much as 70% more than a standard policy, so many travelers may not consider it due to its cost.

If money is not a concern, you can purchase as much insurance as you’d like to have. However, in reality, purchasing travel insurance that works for you involves finding a balance between the coverage you want and the maximum premium you’re willing to pay.

Allianz is a respected company that offers a variety of policy choices with appropriate coverage for the majority of travelers at price points that fit most budgets.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For rates and fees of The Platinum Card ® from American Express, click here .

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This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

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Home » Budget Travel » HONEST Allianz Travel Insurance Review – [Updated 2024]

HONEST Allianz Travel Insurance Review – [Updated 2024]

Planning and preparing for a trip can be fun and exciting. Personally I love flicking through Lonely Planets seeking out those “Must See” places and I even enjoy scouring through forums for insider advice. I relish the challenge of arranging sophisticated logistics and revel in finding bargain flights from London to the ends of the earth.

Indeed, the feeling I get during the days before I start a trip is both exciting and invigorating. In fact, sometimes I wonder whether I’m equally as addicted to this “state of leaving”  as I am to travel itself – they do say that often anticipation is even better than the event itself.

What is far less exciting though, is comparing Travel Insurance policies. There are far too many policies and providers out there with far too many fine print details to scrutinise. Yep finding the best travel insurance is confusing, and finding cheap backpacker insurance can seem impossible. But, to make finding and buying Travel Insurance that bit easier for you, we have tried, tested and reviewed all of the major providers out there.

Allianz Travel Insurance Review

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Today we are going to review Allianz Travel Insurance. I have spent hours going through their policies and breaking them down for you. By the end of this post, you should know whether Allianz is the right travel insurance for you.

It’s important that you take time to look at other good travel insurance providers too. Different providers suit different kinds of travellers. So you may be better suited elsewhere.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

Before we begin the Allianz Travel Insurance review, do note that the terms and conditions of insurance policies are subject to changes and are always ultimately based on your individual circumstances. Therefore, it is very important that you read any policy terms and conditions yourself.

Hey you there! Before you delve any further or waste any more valuable time on this Allianz Travel Insurance Review, let me just tell you straight up front that we at The Broke Backpacker no longer use Allianz for our travel insurance needs.

We have nothing against them, we just found other providers more suited to the needs of travellers and backpackers whilst offering VERY competitive quotes.

If you are taking a single trip or going backpacking, we recommend World Nomads Insurance .

Alternatively, if you are a digital nomad working and travelling remotely from all over the world, then SafetyWing Insurance offer some very interesting travel insurance plans.

Ahem – Please note that insurance companies change their policies and product terms fairly regularly. We do our best to keep this review up to date but cannot guarantee that all of the information is 100% correct. Therefore, only use this review as a guide and check all policies yourself. Also note that some of the links in this post are affiliate links.

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Do you need travel insurance? Does anybody really need travel insurance ?

After shelling out for flights, visas, and a new backpack, having to find a few more bucks for travel insurance may feel a bit depressing. I mean, all you get is a “policy certificate” AKA a boring 100-page booklet to read. Aren’t there more sexy and fun things to be spending that money on?

After all, most trips, vacations, and odysseys end happily and safely without any ill occurrence. There is no definitive answer to this.

Our team at the Broke Backpacker , we have (collectively) spent more than a century backpacking the globe and we have visited over 100 countries. Most of those trips ended without incident. However, we have also clocked up a fair few mishaps along the way: inflected legs, tropical diseases, broken backs, and even gunpoint robberies.

These incidents were all bad enough in themselves, leaving physical and mental scars. Thankfully though, we were all insured at the time. This meant that we were spared the further trauma of paying out thousands in medical bills or replacing technologies.

Basically, insurance is one of those things that most people never actually need. But the ones who do are very lucky to have it.

So now, you get the picture: travel insurance is essential when it comes to staying safe on the road . But is Allianz travel insurance right for you? Or do other travel insurance options suit you?

So let’s take a look. Here are some things good travel insurance plans help with, and where you would be without them.

Lost Luggage

Luggage gets lost both on planes and in airports. It shouldn’t happen, but it sure as hell does.

That in itself is bad enough but replacing all your essential travel gear will cost. Any decent travel insurance policy usually covers lost luggage, usually up to at least $1000.

In fact, the aviation watchdog states that 5.73 items of luggage are lost for every 1000 passengers. That means that if you take 10 flights, then there is a 5% chance of your luggage getting lost forever. Some airports and airlines lose more baggage than others but all of them are equally as obtuse and obstructive when it comes to trying to make a claim.

Lost luggage can ruin your whole trip. I mean, imagine you head to Iceland and they lose all your cold weather gear?!

Medical Bills

Foreign medical care costs can be very high. A friend of mine was once hospitalised while backpacking in Costa Rica and ran up bills in excess of $10,000.

More recently he spent 1 night in a Thai hospital, was billed $1,000 and his passport was used as a ransom (that boy has no luck. Maybe he should stay at home?) . Personally, I don’t have $10,000 to pay to Costa Rican Doctors, but I do have maybe $50 to buy myself a travel insurance policy.

If you come from Europe, the cost of medical care in some parts of the world is quite a revelation. If you’re in the US, then you already know all about health extortion. But do remember, your domestic health insurance will most probably not cover you outside of the US.

Accidents happen (and without warning…) and ill health can strike any of us down at any time, anywhere. In fact, if you have experienced the driving or the hygiene standards in India, you’ll already know that you are at high risk of coming to some harm out on the road.

Trip Interruption Coverage

Trip interruption comes in all shapes and sizes. Claiming for flight delays or cancellations is annoying – and in the end, nothing’s guaranteed.

Every year a few airlines or travel agents go out of business leaving passengers stranded. Booking flights home at short notice is costly.

Not getting home on time on the other hand, can mean getting sacked from your job – ouch. If you have to stay a few more nights at your destination waiting for a flight home, then that can also stretch a maxed-out travel budget.

Having trip cancellation and interruption coverage can mean the difference between desperately raiding your overdraft or getting a few extra days of vacation, free of charge.

Theft Coverage

Sadly, tourists are a target for thieves in many parts of the world. Our team have been robbed with guns while backpacking South America . And I know people whose diamond jewellery and MacBooks were burgled from hotels.

Being robbed is scary. But theft coverage makes it suck a little less when you don’t have to fork out for your stolen iPhone.

Repatriation

In the unlikely event of your demise, your travel insurance can cover the cost of repatriation or sending your body home. The costs of this can otherwise run into several thousands of dollars.

Want to save money on accommodation?

We got you. For reals.

Nobody ever thinks it will happen to them. And yet, it does happen.

Furthermore, the law of averages dictates that if you travel enough, something, somewhere will eventually go wrong. Just like you should always look twice before crossing the road, and always wear your helmet before riding a bike, you really should get comprehensive travel insurance.

By the way, some countries require you to obtain insurance before even letting you enter. Imagine being turned back at the airport for the sake of a few quid?! I personally never leave home without first obtaining travel insurance plans from either World Nomads or SafetyWing.

If you’re reading this, then I guess you decided that you do need travel insurance. Yay! Welcome to the world of sensible adults (AKA accepting your own mortality and the fact that you have no control whatsoever over the universe, despite whatever bullshit “The Secret” may have told you).

Allianz travel insurance is perhaps one of the biggest insurance companies in the world. They have been trading for over 120 years and they have offices across the globe.

Though travel Insurance is by no means Allianz’s primary focus or modus operandi. But this is not a bad thing. Note that even “specialist travel insurers” are often, in fact, brands or shop fronts backed by big insurance companies like Allianz.

They are governed by the Financial Services regulators in pretty much every national market they trade in. This means that if you have a problem with them, you can squeal on them and have your case reviewed independently and fairly by an adjudicator free of charge.

Now that the introductions are out of the way, let’s take a look at the individual travel insurance policies they offer.

Allianz are a major financial service provider and as such, they offer different coverage options, policies and plans aimed at different travellers. Let’s quickly run through them.

Firstly, Allianz travel insurance offer travellers 2 main types of policy. Within these coverage types are little variations. The main policy types are OneTrip and AllTrips .

Within both the OneTrip and AllTrips umbrellas are 3 variations : Basic, Prime, Premier . These vary depending on how much cover you want and how much you want to pay.

As the name kind of suggests, OneTrip covers one single, specific trip generally with a fixed start and end date.

AllTrips covers any and all trips that you make in a one-year period. This annual plan runs from the date you take out the policy, or a date of your choosing, and lasts for 365 days (or 366 in a leap year) .

You can take an unlimited number of trips in the year and an unlimited number of days travelling. Do be sure that all your chosen destinations are covered by the annual travel insurance policy though, otherwise, you may need to obtain additional cover.

OneTrip Basic Plan

This travel insurance policy covers all travel insurance basics such as medical coverage, trip cancellation and lost luggage. Look at it as the entry-level “classic cover” if you like.

The plan may be able to offer;

• Emergency Medical and Emergency Dental Coverage up to $10,000 and $50,000 for Medical Evacuation. These amounts may seem high but are not enough if you need to be airlifted home from an accident, for example.
• Lost or Stolen Baggage Coverage up to $500 and $200 for Delayed Baggage. Now, $500 may be enough for your baggage depending on how expensive your clothes are, and whether you pack any specialist equipment. However, a solid travel backpack is usually worth around $200.
• Trip Cancellation Cover up to $100,00. One of the best features of the OneTrip Basic plan is that Allianz may be able to reimburse the full cost of your trip if you need to cancel early. However, the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons – not because you got bored or changed your mind.

This policy is a good all-rounder and ideal for travellers on a budget . However, it does have some limitations.

Some of the Allianz travel insurance OneTrip basic coverage is a bit on the tight side. Furthermore, OneTrip Basic plan does not include coverage for missed connections or airline change fees. There are also relatively fewer accepted reasons for claiming on the trip cancellation clause.

OneTrip Prime Plan

Broadly speaking, Allianz OneTrip prime plan is more or less the same as the basic – with increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage and Dental Coverage up to $25,000 worth of and $500,000 worth of emergency evacuation coverage.
• Lost and Stolen Baggage Cover up to $1,000 which should cover most people’s hold luggage. However, the per-item max is $500. So if you pack your $8000 top-quality travel camera , you will only get $500 back for it. It also includes Baggage Delay Costs of up to $300.
• Missed Connection Coverage up to $800.
• Airline Change Fees up to $250.

OneTrip Premier Plan

In case you need a bit more on top of that, then we have the OneTrip Premier Plan. The Allianz OneTrip Premier policy is essentially the Prime with even higher coverage amounts. OneTrip Premier may be able to offer cover to;

• Emergency Medical and Dental Coverage of up to $25,000 to $50,000.
• Emergency Evacuation Coverage also increases to $1,000,000. With international evacuation averaging around $100,000, this amount is more than adequate to cover your transportation back home.
• Lost or Stolen Baggage up $2,000. However, like with the OneTrip Prime plan, you can only claim a maximum of $500 per item (up to $2,000 in total). $600 in Baggage Delay.
• Travel Delay coverage up to $1,600.
• Missed Connection Coverage up to $1,600.

Other Allianz OneTrip Options & Offshoots

In case that wasn’t choice enough for you, Allianz also offers 2 offshoots of their OneTrip policy. If you like, look at them as the highly specialised cousins of the OneTrip family.

OneTrip Cancellation Plus Plan

OneTrip Cancellation Plus Plan is definitely Allianz’s budget policy. With this plan, you are only covered against trip cancellation, interruptions, and delays. Medical coverage, medical transportation, and baggage loss are not included.

Personally, I would only consider this policy if (1) you are not checking luggage (2) you have medical coverage elsewhere. For example, this may be OK if you are an EU citizen taking a short break to another EU country where you only have your trusty carry-on luggage and an EU emergency healthcare card.

OneTrip Emergency Medical Plan

This policy is great for travellers who only want medical coverage on one single trip. It provides up to £50,00 in emergency medical coverage and $250,000 in emergency medical transportation coverage.

Remember that this plan only offers protection for medical expenses. If you are robbed, your cuts and bruises are covered but your stolen phone is not. If the airline loses your luggage it is not covered and neither is heartbreak. Trip cancellation coverage is also not included.

This plan is, therefore, for anybody whose sole and only concern is medical coverage.

Remember, the OneTrip policies cover one specific trip. The AllTrips policies we are going to detail below cover long, or multiple trips within a one-year period.

Note that AllTrips policies may also be able to offer rental car coverage for damage as well as dismemberment cover. On the flip side, trip cancellation coverage is either non-existent or limited.

AllTrips Basic Plan

The AllTrips basic may be able to offer coverage for the “classic” issues on multiple trips within a one-year period. Let’s see those numbers.

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Evacuation Coverage. Note that $20,00 on medical emergencies may still be a little on the low side in the event you get very sick in an expensive part of the world such as the US.
• Lost/Stolen or Damaged Baggage up to $1,000. Yes, this may be able to cover most checked bags but remember the $500 max item clause. Baggage Delay is offered up to $200 and then $300 for trip delay.
• Rental Car Damage Coverage up to $45,000. Note that additional premiums may apply.

Note that the AllTrips Basic plan does not come with Trip Cancellation or Interruption Coverage. Remember that means you will not be reimbursed in case you are unable to go on your trip!

AllTrips Prime

As you probably guessed, AllTrips Prime is more or less the same as the basic package with some increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00. Remember that the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons.
• Lost/Stolen or Damaged Baggage up to $1,000 and $200 for Baggage Delay.
• Trip Delays up to $300.

AllTrips Premier

If you want even more coverage, then we have AllTrips Premier. The Allianz AllTrips Premier policy is basically the Prime one with even higher coverage amounts. AllTrips Primer may be able to cover;

• Emergency Medical Coverage of $50,000,00 and $500,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00.
• Trip Delays Coverage of up to $1,500.00.
• Dismemberment and travel accident up to $50,000 if you lose a limb or your eyesight when travelling.

Wanna know how to pack like a pro? Well for a start you need the right gear….

These are packing cubes for the globetrotters and compression sacks for the  real adventurers – these babies are a traveller’s best kept secret. They organise yo’ packing and minimise volume too so you can pack MORE.

Or, y’know… you can stick to just chucking it all in your backpack…

We’re now going to drill down and look at the various things that may be covered by Allianz travel insurance. Remember that some of these are covered by some policy types but not others, and note that coverage amounts and excess’ also vary depending on the exact Allianz policy type.

Emergency Medical Coverage

Got food poisoning in Delhi? Got hit by a moped in Bangkok? Or maybe you just slipped in the shower and broke your wrist in Madrid?

These things can, and do, happen and will all require emergency medical care. Being sick, infirm, and unable to make TikToks is bad enough as it is, so the last thing you want is a hefty medical bill which you have to pay out of your own pocket.

Emergency accident and sickness coverage is quite likely the most important aspect of travel insurance plans.

Emergency Transportation

Emergency Medical Evacuation is when you need to be sent to your home country, or another country, for further or continued medical treatment, and are too sick to travel home normally as a regular passenger. For example – if you are stuck in a hospital bed on a drip in a leg cast.

Trip Cancellation

Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date of your insurance plan) due to covered sickness, accidental injury, or death of you, a family member or travelling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons.

Trip Interruption

Trip Interruption Coverage includes the same stipulations as listed above in “Trip Cancellation”. It includes the caveat of covering the cost of accommodation to you if you are delayed.

Baggage Coverage for Loss/Damage

Being compensated for baggage loss of lost personal gear is likely the second most important aspect of your insurance. This is one of the most common reasons file a claim on your travel insurance.

This covers reimbursement for loss, theft, or damage incurred during the trip. It can be applied to all personal items that were lost, stolen, or else accidentally blown off the roof of a chicken bus travelling at top speed.

Baggage Delay

In the event your checked baggage is delayed or misplaced by the air carrier (for more than 12 hours) , you can claim reimbursement for any necessary items you need to purchase until your bag arrives. This will typically mean toiletries but may even mean some travel clothes if you can demonstrate the purchase is essential.

Trip Delay cover protects you when you’re unable to reach your destination on time due to circumstances beyond your control. If your airline cancels your flight due to a technical fault, Allianz travel insurance will reimburse you for any meals, transportation, or accommodation costs you incurred as a result. Note that delays of less than 6 hours are not covered.

Change Fee Coverage

Have you ever tried to change or vary a flight date or add or remove a passenger?! The fees can be insanely high. This is where Change Fee coverage comes in. If you have the AllTrips Executive, OneTrip Prime plan or OneTrip Premier plan, you can claim up to $500 to cover the cost of the airline change fee.

Travel Accident Coverage

If you are in an accident, you may be entitled to claim a compensation payment in addition to your medical/repatriation costs. This is usually reserved for loss of limb/eyesight type scenarios and you can’t claim for whiplash or emotional trauma from falling from a donkey!

The Travel Accident Coverage is also payable to your family in the event of your death.

Rental Car Damage and Theft Coverage

The AllTrips travel insurance polices also include rental car coverage. This can often prove considerably cheaper than obtaining insurance direct from the rental car provider.

If you are resident in the US, this feature may not be available to you. For clarity, we suggest you speak with Allianz travel insurance directly.

There are some notable omissions from Allianz’s cover. Let’s take a look at them.

Pre-Existing Medical Conditions

If you have a pre-existing medical condition which causes you problems on your trip, it is not covered under the Allianz policies. This is fairly common amongst insurers. It is important that you do declare any pre-existing conditions when taking the policy out.

If you do have a pre-existing medical condition, then you may be very interested to hear that SafetyWing can offer full coverage for PEMCs in their policies.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Extreme Sports

Allianz Travel Insurance does not any kind of adrenaline sport such as Quad Biking and Parachuting. The lack of coverage for extreme or adventure actives is one of the many reasons why we now prefer World Nomads. To get full details of the kind of activities World Nomads can offer coverage for, head over to their site and get a tailer made quote.

So as you can see, Allianz Global Assistance offers a lot of different policy types for a lot of different people. Allianz Travel Insurance maybe suitable for the following kinds of travellers;

• Annual Travellers – With the Allianz annual plan, you may be covered for a whole rotative journey around the sun, no matter how many times you travel! Annual plans are great for frequent and long-term travellers to save you money in the long run. On the other hand, though, SafetyWing offers a month-by-month policy which you can stop and start depending on how much you travel; this may prove to be more cost-effective.
• Senior/Ageing Travellers –  Allianz travel insurance policyholders are among the best senior travel insurances . They have no age limit. Believe us, not all insurers offer this and we have a LOT of queries from over 65’s & over 70’s who have struggled to find insurance elsewhere.
• Travelling Families –  Allianz travel insurance policies may allow children under the age of 17 to travel with their parents for free, on selected plans. This is great for families with kids. My earliest travel memory is of a Spanish ER department, my parents were glad they had me on their policy. Otherwise my foot would still be bleeding 33 years later!

Whilst they do offer a myriad of different plans to cover most travellers types, Allianz is perhaps not the ideal travel insurance company for absolutely everybody out there.

• Adventure Travellers –  Allianz Travel Insurance does not offer protection for extreme activity or sport of any kind! If you plan on doing any dangerous, adrenaline-type activities, then perhaps consider World Nomads who can offer coverage for over 201 different extreme sports. SafetyWing are also rapidly extending their extreme coverage.
• Travellers Wanting High Medical Coverage –  We usually recommend travelling with at least $100,000 of emergency medical coverage. If you come down with a severe illness or are mangled by a badger, you might be stuck with thousands of dollars in medical bills so need to be prepared. World Nomads do offer $100,000 in medical emergency cover.
• Corporation Haters –  Allianz are a major international finance company and we know some of you prefer not to deal with such organisations. That’s a perfectly legitimate point of view. However, remember that even a lot of “boutique” insurers are in fact ultimately shop fronts for big insurers such as Zurich, Lloyds, or even Allianz. In fact, all some boutique firms do is sell you the illusion of dealing with a small firm and charge you a hefty commission for the privilege.

So now we know the details, the next burning question is how much does Allianz Travel Insurance cost?

Well actually, it’s very difficult to say. The pricing details vary depending on a wide range of factors such as your age, location, your trip plans, if you have a pre-existing medical condition, and numerous other factors that only the gods of insurance can compute. It’s worth it to get in there and check yourself.

So, now, let’s talk about our trusty travel insurance plans for backpackers.

World Nomads

World Nomads offers coverage for backpackers and adventure trailers. They are one of our favourite travel insurance providers and we have used them for years.

Unlike Allianz travel insurance, World Nomads are a travel insurer with a focus on backpackers.

World Nomads offer 2 separate plans depending on how much cover you want and what exactly you intend to do. World Nomads can also offer trip cancellation coverage, electronic gadget, and theft coverage in the policies.

Word Nomads can cover over 140 countries (but not Pakistan which is a shame for us) . They can also cover a wide range of adventure stuff and extreme sports like mountaineering which Allianz travel insurance do not.

However, they do not offer home country cover and do not offer open-ended cover. If you are not planning on doing any adventure stuff though, then you may find World Nomads to be a bit expensive.

SafetyWing are a relatively new player on the scene. They are founded by travellers, for travellers, and their primary target is for those travelling as a digital nomad : people like me who move around the world working from our laptops. We can go many years without ever going “home” and SafetyWing recognises this and can offer open-ended cover.

What we LOVE about SafetyWing is that their insurance operates like a monthly subscription that you can stop and start as and when you need it. They are also one of the few providers who may be able to cover some pre-existing conditions and provide assistance with “routine” health stuff.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

By this point, you may well know which travel insurance is best for you. Maybe it’s Allianz travel insurance, or maybe it’s one of the others.

The question now then is, when should you buy travel insurance?

You can buy travel insurance up until the start date of your trip for most insurers. Many will not cover a trip that has already begun – with the exception of World Nomads and SafetyWing.

Note : if you ever do make a claim, you may well be asked to provide evidence of the start date. So I do not recommend trying to hoodwink insurers. Be totally honest or it will come back on you.

However, in our experience, the earlier you book your travel insurance, the better. This is for a number of reasons:

• Things sometimes go wrong before the trip even starts. For example, if the airline goes bust. This happens to 1000s of people every year. Or what if you get very sick a week before flying and have to cancel?! If you have the right travel insurance in place, your insurer may cover you in these scenarios.
• The vast majority of policies include a cooling off period . This is a period of time (usually 28 days) when you can cancel the policy and get all of your money back. We suggest using the cooling period to read through the policy documents and ensure that the cover fully meets your needs. Upon a closer look, if it does not suit you, you have time to contact the insurer and amend the policy, or cancel it and obtain more suitable travel insurance.

Personally, I usually book my travel insurance the very same day I book my flight. The only exception is if I already have long term or an annual plan. In these scenarios, instead, be sure to check the last date on your annual/long-term cover and make sure it covers your whole trip.

First up, it is unlikely you will ever need to make a travel insurance claim. Yipee!

In case you do though, you will be very pleased to hear that the process is pretty straightforward as long as you are dealing with a reputable company. If you are not then it may be a lot harder.

To initiate a travel insurance claim, all you need to do is contact (call) Allianz Global Assistance and chat with their 24-hour multilingual staff. You should do this as soon as possible or as soon as you know you will need to make a claim .

You will need to tell them about your claim including details of what has gone wrong, and what the damage seems to be. You can also initiate the process online by signing into your account.

If you are claiming lost or stolen items, you will need to write up a formal sworn statement of events, detailing what happened and what was lost. You will also need to have an official police report made up – it is highly important that you obtain this even if it means paying a fee/bribe or hassling the police to do it. Try to get it in both the native language and in English if possible.

The Insurance company may contact you to discuss your claim further. You may even be subjected to a an anti-fraud interview and your call may even be run through voice detection software designed to spot deceit! However, you have nothing to worry about if your claim is legitimate and in order.

It is very helpful to get all of your receipts and invoices together first and submit all expenses at once. Do keep copies of every expense, bill, invoice, and report as you will need to provide these to the claims team. They may pay out small amounts without a bill, but in the case of extra hotels, flights, or electronics, the rule is usually “no proof = no payment”.

After that is sorted, you upload all of your information and documents, review the claim and submit. The Allianz team will get cracking and stay in contact with you throughout this process. Note that resolution time does vary from case to case. It may be days, weeks, or sometimes months depending on the details of your claim.

I hope you found this Allianz Travel Insurance Review to be informative – it certainly took a lot of work on our part to put it together! Comprehensive travel insurance is important to safe travel and you need to carefully choose the best provider for your needs.

We really care about the safety of our readers. That’s why we do recommend travel insurance so strongly. We’ve seen ourselves what can go wrong – and we wouldn’t wish it on anyone.

So check for trip interruption coverage, get your gadgets covered, but most importantly, make sure any potential medical expenses are covered, especially emergency medical expenses. Shop around different providers to find the right one for you. Once again, we wish you an awesome and safe trip!

Buy Us a Coffee !

A couple of you lovely readers suggested we set up a tip jar for direct support as an alternative to booking through our links. So we created one!

You can now buy The Broke Backpacker a coffee . If you like and use our content to plan your trips, it’s a much appreciated way to show appreciation 🙂

Aiden Freeborn

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Travel Insurance company reviews are almost redundant as many do not look into who they use for underwriters (who they pass your claim to for payment). When people take out insurance, what they really want to know is, if there is an emergency they are entitled to claim for, is it going to be paid out. I have spent numerous hours looking for a travel insurer who doesn’t use an underwriter who is clearly a crook who does not want to pay out. If someone has found one, PLEASE, I would sincerely like to know.

The author did a very nice job explaining the different types of insurance Allianz offers. But, until you have experienced their VERY POOR customer service and actual reimbursement procedures, you will not have the complete Allianz story.

I would never use Allianz Global Assistance for your trip insurance needs During a Viking River Cruise June, 2023, my husband came down with COVID. VIKING handled their end of any claims and taking care of us beautifully, BUT Allianz Global Assistance was a completely different story. We had Trip Interruption insurance (which included coming down with COVID) and trying to get reimbursement for all our medical expenses and a post trip to Amsterdam we had planned (not with Viking, but through our travel agent) has been one of the most frustrating ordeals I have ever dealt with. We are asking for approximately a $2,000 reimbursement and we have received $300.

If you need to file a claim, here is what you can expect after you complete the on-line claim form on Allianz’s website : 1. They will tell you they can’t read your receipts (even though you can read them on the email you send or they are PDFs from Viking or your TA). One Allianz customer service rep (probably the 7th person I talked to), told me to download a $50 app that makes receipts readable, which I did, and they still couldn’t read them. I finally snail-mailed copies of the receipts and they still declined 75% of them. 2. Phone calls with wait times of over an hour. This has happened to me 10+ times (not just a random occurrence), and I have tried all times of the day – same thing. 3. When you do talk to a rep, the call will always, and I mean always, disconnect before the issue is handled.

I could go on and on, but bottom line, I will NEVER use Allianz again or recommend them to anyone. We are out $2,000 + $1,000 we paid for the Trip Insurance. It is a big deal, but I can’t imagine if we had to rely on Allianz for the total trip reimbursement. Thank goodness Viking stepped up and provided the level of customer service they did.

Of course, we are aware that some customers sometimes have insurance claims denied. We also appreciate that others have bad customer service experiences with all kinds of different companies.

However are not privy to the finer details of your situation, and Allianz are not here to put across their side of the story either – furthermore this is not really the legitimate forum to air complaints about them. Still in the interest of openness and transparency we will let your comment stand.

Best of luck with your next trip.

Yes agreed – your statement about Allianz not offering unlimited medical cover is complete BS and misleading to readers. Are you paid to promote World Nomads Insurance? Please provide full disclosure to your readers.

I have just rechecked the Allianz policy information available on their website and what we have said appears to remain correct. If you feel we have missed something then please elaborate.

As for World Nomads, we have made it clear that some of the links in this post are affiliated.

Hi there, I found your article very informative, but I just wanted to make a couple of corrections. Im not affiliated with Allianz, but Ive been researching which insurance to buy and they have provided me with a quote and their PDS, which Ive read in full. The amounts that Allianz offers for overseas emergency assistance and overseas medical and hospital expenses under their comprehensive plan are both unlimited, and they do offer insurance for pre-existing medical conditions, you just have to pay an additional premium.

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Travel Insurance FAQs

We pride ourselves on being there for our customers and keeping them safe. We know that buying travel insurance can be overwhelming and confusing. That’s why we’ve tried to clear up as much as possible and answer the most important questions below.

These questions relate only to the Allianz Assistance branded single trip, backpacker and annual multi-trip policies available on this website. For information on other policies underwritten by AWP P&C SA and administered by Allianz Assistance or sold through our partners please refer to your policy wording for the customer service contact details.

The advice below was last updated on 02/03/2022. To the best of our knowledge this information is correct at the time of writing

Current Ukraine situation

Our travel insurance policies require our customers to follow the Foreign Commonwealth & Development Office (   FCDO   ) travel advice.  There are three levels of FCDO advice:

•            no advice against travel;

•            advice against all but essential travel; and

•            advice against all travel.

Cover is valid when there is no FCDO advice against travel. Consideration will be given for 'Essential Travel' so long as evidence can be provided in the event of a claim to support that the nature of the trip made travel essential. There is no cover provided for travel to any destination the FCDO have advised against all travel to, regardless of the reason for the trip.

The FCDO travel advice changed on 11 February 2022 to ‘against all’ travel to Ukraine and advice for British travellers was to leave Ukraine immediately, if safe to do so.

You should regularly monitor the FCDO travel advice, particularly if visiting countries in and around this region.

General exclusions to our policy

Allianz Assistance travel insurance policies exclude any claim arising from:

1      War, invasion, hostilities (whether war is declared or not), civil war, civil commotion, rebellion, revolution, uprising, military force, terrorism (except for claims made under section 2 ‘Emergency medical and associated expenses’ and section 7 ‘Personal accident’) or weapons of mass destruction.

As the FCDO have advised against all travel to Ukraine, we will not consider claims related to travel to this destination while the FCDO travel advice is in force.

If you’re needing to make a claim for the cancellation of a trip to Ukraine booked before 11 February 2022, please be advised that the policy does not provide cover for cancelling or cutting short a trip as a result of changes in FCDO travel advice. This is in addition to the above exclusion. We would instead advise the following:

•           You should speak to your travel provider in the first instance to see if a trip amendment, postponement or refund is possible (if they offer you a voucher, you may have a right to decline this and continue to insist on a cash refund instead).

•           If your travel provider does not give you a refund and you paid for your trip on a debit, credit or charge card, you can try and claim a full cash refund from your card issuer within 120 days of the trip start date.

•           If you paid for your trip using PayPal within the last 180 days, you may be entitled to make a claim under their Buyer Protection service.

If you have any questions regarding your travel insurance please contact our Services Team by email: [email protected] phone: 020 8603 9653 or writing to: Allianz Assistance Travel insurance, 102 George Street, Croydon, CR9 6HD.

What is travel insurance?

• Travel insurance is an arrangement by which an insurer agrees to provide a guarantee of compensation for specified loss, damage, illness or death in return for payment of a premium. Whilst travel insurance policies can’t cover every eventuality, it can help protect against certain risks for an agreed and affordable premium.
• It is also important to understand that travel insurance is only there to protect you against losses you can’t recover from anywhere else.   If your trip needs to be moved or cancelled, you should always ask your airline/tour provider for reimbursement before making a claim on your travel insurance policy. In most cases, your airline/tour operator will be responsible for refunding the value of the original trip; if they are responsible for the cancellation or changes instead of you requesting it, their trading regulations will often require them to provide a refund. 

At Allianz Assistance, we offer a level of insurance that’s appropriate for most travellers. Different policies provide varying levels of cover, therefore it’s important that you read your policy documents carefully and understand exactly what you’re covered for before you travel. If there’s anything in the policy documents that you’re not sure about, please get in touch – we’ll be happy to help.

Our  Single Trip ,  Annual  and  Backpacker  policies all suit different needs. Plus, we offer three different levels of cover - Bronze, Silver and Gold - so you can choose the cover with the claim limits that meet your needs. Depending on which policy and level of cover you choose, you’ll be have protection for:  

• Cancelling or cutting short your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover

Terms and conditions apply.

Your travel insurance quote will vary depending on:

• The type of policy you choose
• The duration of your trip
• Where you’re travelling to 
• The number of people travelling (a single or a group policy)
• Whether any additional options are required

You should also be aware that any  pre-existing medical conditions  can affect the eligibility for policies.

At Allianz Assistance, we offer three different levels of cover: Bronze, Silver and Gold. To get a travel insurance quote, simply click ‘ Get a Quote .’  Then, select your policy type, enter your dates of travel, destination information and passenger details.

You’ll be able to see exactly what’s included as part of your travel insurance quote, and you can compare our Bronze, Silver and Gold level policies with our handy table, so it’s easy to see which is best for you. 

You should buy travel insurance as soon as possible after you’ve booked your trip. Remember that your travel insurance covers you for incidents that happen before you travel, as well as things that occur during your holiday. With cancellation cover, you’ll be reimbursed if you can’t travel due to sickness, for example. Your cover starts as soon as you buy your policy, and we’ll pay up to the amount shown in your policy documents for unused accommodation, transport, excursions and other travel expenses you have paid or will have to pay, and that you cannot recover from anywhere else.

What type of travel insurance do I need?

When you take out single trip travel insurance, you can travel to multiple destinations, as long as your trip does not last longer than 180 days. Whether you’re looking for single trip worldwide travel insurance or single trip travel insurance for multiple countries in Europe, we have cover options for you. You can tailor our policies to suit your plans by selecting just the countries you are travelling to. 

Please note that you will not be covered if you travel to a country or region that the Foreign, Commonwealth and Development Office has advised against all or all but essential travel. 

Jet-off whenever you like with an annual multi-trip travel insurance policy, because it allows cover for an unlimited number of trips that each last up to a maximum of 31 days (over a 12-month period). There’s no obligation to tell us when you’re going away either, so you can pack your bags knowing you’re already covered.

You can choose the area of cover that’s most suitable for your travel plans, from Europe-only to worldwide. You can also choose a level of cover that suits you: Bronze, Silver or Gold. 

If you’re planning more than one holiday this year, you can save money by taking out one annual travel insurance policy, rather than buying multiple single trip policies. Our yearly travel insurance will save you time too, because you’ll have cover in place all year – no matter how many holidays you take.

Our Bronze, Silver and Gold levels of cover allow you to choose an option to suit your needs. Once you’ve found the right policy, you can either be covered straightaway or – if you don’t need your cancellation cover to start immediately – you can defer your start date by up to 31 days.  Get a quote  today to see exactly how much your policy will cost.

If you’re heading on holiday to Europe, travel insurance is still important. While some reciprocal health arrangements are still in place following the end of the Brexit Transition period on 31st December 2020, these have changed slightly and not all medical costs are covered. The new Global Health Insurance Card (GHIC) scheme entitles you to some state-provided healthcare and medical treatment within European Union countries, but won’t cover you for every scenario, such as flight cancellations, stolen belongings or private medical treatment. You can also visit our Brexit FAQ for more information.

We offer holiday insurance that specifically covers you for European travel and also comes with cover for lots of sports and activities, such as mountain biking and jet-skiing. Unlike some insurers, our European travel insurance even includes some destinations outside mainland Europe like Turkey and Morocco. So, if you choose to buy a policy with us, please take a look at your policy confirmation email to check your area of cover. 

Our ‘Worldwide (including USA and Canada)’ cover takes into account the higher cost of medical treatment in North America. In the United States and Canada, the cost of healthcare can be incredibly expensive. This is because there’s no equivalent of the NHS, and most residents have private health insurance. As a result, if you’re booking travel insurance for North America, your premium is likely to be higher.

If you choose ‘Worldwide (excluding USA and Canada)’, you’re protected for worldwide travel as long as you’re not visiting America and Canada. If you’re travelling worldwide but you’re not planning on visiting America or Canada, you may find that our worldwide travel insurance excluding USA and Canada offers you a lower premium.

Whilst we don’t currently sell a travel insurance product specifically for seniors, both our single trip policy is available to those aged 80 or under and our and annual multi-trip travel insurance policy is available to those aged 65 or under. 

If you’re over the maximum ages for these policies there’s no need to panic. You may still find a specialist insurer who can handle your seniors travel insurance policy.

We suggest you contact: 

• The British Insurance Brokers Association:  Tel:  0870 950 1790  (Lines open 9am - 5pm, Monday to Friday).

Yes – we want to help you save money, minimise stress and give you the right support and advice when you need it most. By placing each family member on the same family travel insurance policy, you don’t need to worry about buying individual policies for each family member. And because we offer special rates for families, you’ll usually make some savings too.  

As long as your child is aged 17 or under at the time of purchase, they'll be considered to be a child for the purposes of buying your travel insurance policy.

Am I eligible to buy travel insurance from you?

From 5th May 2021 we are temporarily unable to offer travel insurance policies to cover people’s pre-existing medical conditions. This is only for the short term, while we make improvements to our online booking process. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again . If you already have a policy with us and declared a pre-existing medical condition at the time of purchase, your cover won’t be impacted throughout this process and will be valid in line with the terms and conditions specified in your policy document.

In the interim you may be able to obtain an alternative travel insurance policy to cover pre-existing medical conditions by contacting one of our providers featured in the MoneyHelper directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact MoneyHelper for further details of the directory

Call:  0800 138 7777  (lines are open Monday to Friday, 8am to 6pm or

Email:  [email protected]

Whilst we are always looking at ways we can improve our offering to our customers, at Allianz Assistance we do not currently provide a travel insurance product for British Expats abroad.

However, our sister company Allianz Care might be able to help. You can get further information on our page Travel Insurance for Non-UK residents  or take a look at  Allianz Care website for further information.

Yes, we do have an age limit on our policies. Our Single Trip policy is only available to persons aged 80 or under and our Annual Multi-Trip policy is only available to persons aged 65 years or under.

Our Backpacker policy is only available to people aged 50 years or under.

If you’re older than the maximum age limit and therefore unable to buy from us, you may be able to obtain an alternative travel insurance policy from another provider.

We suggest you get in touch with the following for a quote:

The British Insurance Brokers Association   Tel: 0870 950 1790 (Lines open 9am – 5pm, Monday to Friday).

What happens when I buy a travel insurance policy?

If you have any questions about your policy or cover, get in touch with our Customer Services Department who are available to answer any of your queries.

We are contactable between the hours of 9am – 5pm, Monday to Friday.

Call us on: 0371 200 0428

Email us at: [email protected]

*Please note: We are unable to give you any advice on whether this product is suitable for your needs.

You can purchase one of our policies either online or over the phone.

We accept Visa and MasterCard Debit and Credit Cards, and AMEX.

At Allianz Assistance, we send all of your policy documentation to you online, so we don’t send any policy documents in the post.

When you buy a policy, we will send you an email confirmation outlining the cover you have purchased along with the policy wording and the IPID as an attachment for you to be able to save and print accordingly.

Having your policy documentation on your person when you travel isn’t essential, but it is useful in the event that something unexpected happens that you need to claim on. You can carry your policy documentation in paper (through printing at home) or electronic form (in an email). 

If for any reason your cover does not meet your requirements and you wish to cancel your policy, please contact us within 14 days* of the purchase date for a full refund of your premium. Refunds will not be provided if you have already travelled or have made a claim on your policy.

*If you’ve come into financial difficulty since buying your policy as a result of the Coronavirus crisis, we might be able to offer flexibility on the 14-day cancellation period, as long as you haven’t already used or claimed on your policy. Please get in touch with us directly to discuss your options. 

You can get in touch with us by:

Phone: 020 8603 9653, our lines are open from 9am – 5pm, Monday to Friday.

Email: [email protected]

Write to: Allianz Assistance, 102 George Street, Croydon, CR9 6HD

Yes, if you decide that your travel insurance policy doesn’t meet your specific needs or that you want to increase your level of cover, you can make changes on your policy if you haven’t already made a claim.

Contact our Customer Services team today to discuss our options of cover and to change/increase your travel insurance today. Please note that you may have to pay an extra premium. 

When you travel, it is important to know the details of your policy, in case something happens that requires you to make a claim.

For Single Trip and Backpacker cover,  cancellation cover begins from the date your policy was issued. This date is shown on the email confirmation that you received when buying the policy.

All other aspects of your cover begin on the specified start date of your trip and finish when you return to the UK or on the expiry date of the policy, whichever is earlier.

For Annual Multi-Trip cover,  cancellation cover begins either on the start date shown on your insurance confirmation email, or the date you booked your trip, whichever is later. Cancellation cover then ends at the beginning of your trip. 

All other aspects of cover begin on the day you start your journey, and end on the final day of your journey.

If you cannot finish your trip as planned due to a reason covered by your policy, such as injury, illness or delays to public transport systems, cover on the policy will automatically extend until you are able to finish the trip. Otherwise all cover ends at the expiry date shown on the email confirmation you received when buying the policy.

Depending on how long you plan to be away for either our Single Trip, Annual Multi-Trip or Backpacker policies may be more suitable for your cover.

Single Trip cover can be purchased for trips of up to 180 days.

Annual Multi-Trip covers you for multiple trips throughout the year, but no one trip within this period can exceed 31 days in duration.

Our Backpacker policy can be purchased  to cover trips of up to 180 days, but you can only purchase this policy if you are under the age of 50.

No, there is no need to let us know every time you travel with this policy.

However, if you have any questions or want to know more about your travel insurance or what you are covered for, do not hesitate to contact us.

Yes! Your holidays of more than 2 nights within the UK and Channel Islands will be covered under your Annual Multi-Trip policy.

However, some terms and conditions do apply:

• You must have your transport and accommodation booked in advance.
• Your trip must be more than 25 miles from your home (unless it involves a sea crossing).

What if I need to make a claim?

If you need to make a claim on your travel insurance policy, you can either complete a claims form online or write to us.

To complete the claim online, please use our File a Claim page and be sure to read and check all of the information carefully.

Call us on 020 8603 9958 (between 8am and 6pm, Monday to Friday) 

E-mail us at [email protected]

Should something happen that involves a medical emergency whilst you are away, our medical emergency team is available 24 hours a day to help.

You can reach them by calling 020 8686 1666 or email them at [email protected]

In a life or death situation, call the emergency services in the country you are visiting. For example, 112 within the European Union or 911 in the USA. Before you travel, look on the GOV.UK website for more information about local authorities and who to call should you find yourself in an emergency situation.  Please visit the Foreign, Commonwealth and Development Office  (FCDO)  site for travel advice.

We have made this easy for you! All the contact numbers that you might need are listed on the first page of your policy document.

You can also find all of our contact details by clicking the ‘Contact Us’ tab on our website.

There is an excess payment for some sections of your travel insurance policy. This means that you will be responsible for the first part of your claim for each insured person making a claim.

This excess payment varies according to the policy and level of cover you have purchased. You will find full details in your policy wording.

Yes, we will still consider claims without receipts. However, please be aware that you will still be asked to provide alternative proof of ownership for the lost or stolen items.

We completely understand that you may not have kept receipts for each and every item that you took on holiday with you, but we do expect you to be able to provide some evidence of ownership for most things you are claiming on, particularly expensive items.

Some forms of evidence you can provide include photographic evidence in conjunction with

• Warranty cards
• Bank or credit card statements 

It is crucial that all the information you provide us with us up to date and accurate to the best of your knowledge. Ultimately, it is your responsibility to ensure the information you have given us is correct and to let us know if your circumstances have changed in a way that would affect your travel insurance policy.

If you provide us with incorrect information, it could invalidate your insurance claim and result in us declining to pay a claim. You can change and update your information with us free of charge, but certain changes to circumstances may affect your policy premium.

If you have any questions about your circumstances or want to update or change any information you gave us, get in touch with us today. 

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Travel Insurance FAQs

We pride ourselves on being there for our customers and keeping them safe. We know that buying travel insurance can be overwhelming and confusing. That’s why we’ve tried to clear up as much as possible and answer the most important questions below.

These questions relate only to the Allianz branded single trip, backpacker and annual multi-trip policies available on this website. For information on other policies underwritten by AWP P&C SA and administered by Allianz Assistance or sold through our partners please refer to your policy wording for the customer service contact details.

The advice below was last updated on 16th of August 2023. To the best of our knowledge this information is correct at the time of writing.

What is travel insurance?

Travel insurance is an arrangement by which an insurer agrees to provide a guarantee of compensation for specified loss, damage, illness or death in return for payment of a premium. Whilst travel insurance policies can’t cover every eventuality, they can help protect against certain risks for an agreed and affordable premium.

It is also important to understand that travel insurance is only there to protect you against losses you can’t recover from anywhere else. If your trip needs to be moved or cancelled, you should always ask your airline/tour provider for reimbursement before making a claim on your travel insurance policy. In most cases, your airline/tour operator will be responsible for refunding the value of the original trip; if they are responsible for the cancellation or changes instead of you requesting it, their trading regulations will often require them to provide a refund. 

At Allianz, we offer a level of insurance that’s appropriate for most travellers. Different policies provide varying levels of cover, therefore it’s important that you read your policy documents carefully and understand exactly what you’re covered for before you travel. If there’s anything in the policy documents that you’re not sure about, please get in touch – we’ll be happy to help.

Our  Single Trip ,  Annual  and  Backpacker  policies all suit different needs. Plus, we offer three different levels of cover - Bronze, Silver and Gold – so you can choose the cover with the claim limits that meet your needs. Depending on which policy and level of cover you choose, you’ll have protection for:  

• Cancelling or cutting short your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability

*Not available with Bronze level cover

Terms and conditions apply.

Your travel insurance quote will vary depending on:

• The type of policy you choose
• The duration of your trip
• Where you’re travelling to
• The number of people travelling (a single or a group policy)
• Whether any additional options are required

You should also be aware that any pre-existing medical conditions can affect your eligibility for  Single Trip ,  Backpacker  and Annual  policies.

At Allianz, our Single Trip and Annual policies offer three different levels of cover: Bronze, Silver and Gold. To get a travel insurance quote, simply click ‘ Get a Quote .’ If you meet the eligibility requirements you then select your policy type, enter your dates of travel, destination information and passenger details. You can then choose your optional extras (if appropriate).

You’ll be able to see exactly what’s included as part of your travel insurance quote, and you can compare our Bronze, Silver and Gold level policies with our handy table, so it’s easy to see which is best for you. 

You should buy travel insurance as soon as possible after you’ve booked your trip. Remember that your travel insurance covers you for incidents that happen before you travel, as well as things that occur during your holiday. With cancellation cover, you’ll be reimbursed if you can’t travel due to sickness, for example. Your cover starts as soon as you buy your policy, and we’ll pay up to the amount shown in your policy documents for unused accommodation, transport, excursions and other travel expenses you have paid or will have to pay, and that you cannot recover from anywhere else.

Whilst each of our policies have varying levels of cover depending on the needs of the policyholder and the level of cover they have chosen, it is important to note that under all of our travel insurance policies, changes in Department of Foreign Affairs  (DFA) travel advice and government-imposed restrictions including quarantine/lockdown of a geographical area, are not covered events. However, we’ve made specified exceptions to the general exclusion against claims arising from or relating to a pandemic or epidemic. This means that if you buy a new policy now, or even if you already have a policy and are yet to travel, you’ll have cover if:

• You contract COVID-19 whilst abroad and need medical treatment, or have to return home early as a result of your condition.
• You contract COVID-19 or are required to quarantine abroad following virus exposure and need to extend your policy. We’ll cover the cost of additional accommodation and transport until its safe for you to return home.
• You or your travel companion develop symptoms and are advised against travel by your doctor, test positive for COVID-19 or are asked to self-isolate under the government’s contact tracing scheme and have to cancel your trip. Please note that this applies to isolation in individual circumstances only; you won’t be covered if you can’t travel due to a local or national lockdown.
• You’re denied boarding on pre-booked public transport because you or your travel companion are showing signs of COVID-19 and are unable to travel as a result.
• A close relative of you or your travel companion becomes seriously ill with a pandemic/epidemic illness and you need to cancel or cut your trip short.

What type of travel insurance do I need?

When you take out single trip travel insurance, you can travel to multiple destinations, as long as your trip does not last longer than 180 days. Whether you’re looking for single trip travel insurance to cover Ireland and the UK, Europe, North America or other worldwide destinations, we have cover options for you. 

Please note that you will not be covered if you travel to a country or region that the Department of Foreign Affairs (DFA), World Health Organization (WHO) or any government or official authority has advised against all or all but essential travel. 

Jet-off whenever you like with an annual multi-trip travel insurance policy, because it allows cover for an unlimited number of trips over a 12-month period as long as no trip exceeds your 35-day trip limit. There’s no obligation to tell us when you’re going away either, so you can pack your bags knowing you’re already covered.

You can choose the area of cover that’s most suitable for your travel plans, be it Europe-only , worldwide excluding USA and Canada or worldwide including USA and Canada. You can also choose a level of cover that suits you: Bronze, Silver or Gold. 

• If you’re planning more than one holiday this year, you can save money by taking out one annual travel insurance policy, rather than buying multiple single trip policies. Our yearly travel insurance will save you time too, because you’ll have cover in place all year – no matter how many holidays you take.
• Our Bronze, Silver and Gold levels of cover allow you to choose an option to suit your needs. Once you’ve found the right policy, you can either be covered straightaway or – if you don’t need your cancellation cover to start immediately – you can defer your start date by up to 31 days.  Get a quote  today to see exactly how much your policy will cost.

If you’re heading on holiday to Europe, travel insurance is still important. While the arrangement remains in place, the European Health Insurance Card (EHIC) gives you some basic medical cover, but in a medical emergency you may have no control over the hospital you are taken to and the closest hospital may be private. Some of the things the EHIC card does not cover you for include:

• Cancellations, delays, lost or stolen property.
• The cost of medical treatment in a private hospital or clinic.
• The additional cost of returning to your home country or for a relative to stay or fly out to be with you.

If you fall ill and need to pay for any medical care whilst you’re away, it could cost you thousands of pounds. But travel insurance will help cover these costs.

Am I eligible to buy travel insurance from you?

• As there is no age limit on our Single Trip policies, you can purchase one of these to cover you for the duration of your trip.
• Single Trip cover can be purchased for trips up to 180 days. 
• Annual Multi-Trip policy covers you for multiple trips during the year but no one trip within this period must exceed the 35-day individual trip limit.
• Backpacker cover can be purchased for trips up to 365 days.

Yes, unforeseen emergency medical and associated expenses will be covered so long as:

• Your doctor confirms you were not travelling against medical advice and were fit to travel and able to undertake the planned trip
• You complied with the transport provider's conditions of carriage relating to pregnancy both at the time of booking the trip (assuming you were aware of the pregnancy at that time) and the time of travel

You’ll also be covered for cancellation if you are advised not to travel due to your pregnancy or where you cannot comply with the transport provider’s conditions of carriage.

What add-ons can I buy?

• Yes – we want to help you save money, minimise stress and give you the right support and advice when you need it most. By placing each family member on the same family travel insurance policy, you don’t need to worry about buying individual policies for each family member. And because we offer special rates for families, you’ll usually make some savings too. If your family group is eligible, the premium will default to a family rate automatically when you buy your policy.  

Our ‘Worldwide (including USA and Canada)’ cover takes into account the higher cost of medical treatment in North America. In the United States, the cost of healthcare can be incredibly expensive. This is because there’s no equivalent of the HSE , and most residents have private health insurance. As a result, if you’re booking travel insurance for North America, your premium is likely to be higher.

If you choose ‘Worldwide (excluding USA and Canada)’, you’re protected for worldwide travel as long as you’re not visiting America or Canada. If you’re travelling worldwide but you’re not planning on visiting America or Canada, you may find that our worldwide family travel insurance excluding USA and Canada offers you a lower premium.

What happens when I buy a travel insurance policy?

If you have any questions about your policy or cover, get in touch with our Customer Services Department who are available to answer any of your queries.

We are contactable between the hours of 9am – 5pm, Monday to Friday.

Call us on: 01 619 3681

Email us at: [email protected]

*Please note: We are unable to give you any advice on whether this product is suitable for your needs.

You can purchase one of our policies either online or over the phone.

We accept Visa Debit, Credit Cards, MasterCard and AMEX.

• At Allianz, we send all of your policy documentation to you online, so we don’t send any policy documents in the post.
• When you buy a policy, we will send you an email confirming the cover you have purchased along with the policy wording and the Insurance Product Information Document as an attachment for you to be able to save and print accordingly.
• Having your policy documentation on your person when you travel isn’t essential, but it is useful in the event that something unexpected happens that you need to claim on. You can carry your policy documentation in paper (through printing at home) or electronic form (in an email). 

If for any reason your cover does not meet your requirements and you wish to cancel your policy, please contact us within 14 days of the purchase date for a full refund of your premium. Refunds will not be provided if you have already travelled or have made a claim on your policy.

You can get in touch with us by:

Telephone:  01 619 3681 Email:  [email protected]

Yes, if you decide that your travel insurance policy doesn't meet your specific needs or that you want to increase your level of cover, you can make changes on your policy if you haven't already travelled or made a claim.

Contact our Customer Services team to discuss our options of cover and to change / increase your travel insurance. Please note that you may have to pay an extra premium.

For Single Trip and Backpacker cover Cancellation cover begins from the date your policy was issued. This date is shown on the policy schedule that you received when buying the policy.

All other aspects of the cover begin on the specified start date of your trip and finish when you return to the Republic of Ireland or the expiry date of the policy, whichever is earlier.

For Annual Multi-Trip cover Cancellation cover begins either on the start date shown on the policy schedule that you received when buying the policy or the date you booked your trip, whichever is the later. Cancellation cover then ends at the beginning of your trip.

All other aspects of the cover begin on the day you start your trip and end on the final day of your trip.

Under all policies If you cannot finish your trip as planned due to a reason covered by your policy, such as injury, illness or delays to public transport systems cover on the policy will automatically extend until you are able to finish the trip. Otherwise all cover ends at the expiry date shown on the policy schedule you received when buying the policy.

Depending on how long you plan to be away for either our Single Trip, Annual Multi-Trip or Backpacker policies may be more suitable for your cover.

Single Trip cover can be purchased for trips of up to 180 days.

Annual Multi-Trip covers you for multiple trips throughout the year, but no one trip within this period can exceed the 35-day individual trip limit.

Our Backpacker policy covers you for up to 365 days, but you can only purchase this policy if you are aged 50 or under.

No, there is no need to let us know every time you travel with this policy.

However, if you have any questions or want to know more about your travel insurance or what you are covered for, do not hesitate to contact us.

What if I need to make a claim? 

If you need to make a claim on your travel insurance policy, you can either complete a claims form online or write to us.

To complete the claim online, visit our online claims portal at ww.allianz-protection.com

You can also obtain a claim form by calling us on 01 619 3682 (between 9am and 5pm, Monday to Friday).

Be sure to read and check all of the information carefully, since inaccuracies may lead to your claim assessment being delayed or even declined.  

Should something happen that involves a medical emergency whilst you are away, our medical emergency team is available 24 hours a day to help.

You can reach them by calling 00353 1637 3686 or email them at [email protected]

In a life or death situation, call the emergency services in the country you are visiting. For example, 112 within the European Union or 911 in the USA. 

We have made this easy for you! All the contact numbers that you might need are listed on the first page of your policy document.

You can also find all of our contact details by clicking the ‘ Contact Us ’ tab on our website.

• There is an excess payment for some sections of your travel insurance policy. This means that you will be responsible for the first part of your claim for each section and for insured person making a claim.
• This excess payment varies according to the policy and level of cover you have purchased. You will find full details in your policy wording.

Yes, we will still consider claims without receipts. However, please be aware that you will still be asked to provide alternative proof of ownership for the lost or stolen items.

We completely understand that you may not have kept receipts for each and every item that you took on holiday with you, but we do expect you to be able to provide some evidence of ownership for most things you are claiming on, particularly expensive items.

Some forms of evidence you can provide include photographic evidence in conjunction with:

• Warranty cards
• Bank or credit card statements

It is crucial that all the information you provide us with is up to date and accurate to the best of your knowledge. Ultimately, it is your responsibility to ensure the information you have given us is correct and to let us know if your circumstances have changed in a way that would affect your travel insurance policy.

If you provide us with incorrect information, it could invalidate your insurance claim and result in us declining to pay a claim. You can change and update your information with us free of charge, but certain changes to circumstances may affect your policy premium.

If you have any questions about your circumstances or want to update or change any information you gave us, get in touch with us today. 

Frequently Asked Questions

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How to cancel your Allianz Insurance policy

Two steps to cancel your insurance.

Contact us by phone or online . Our consultant will verify your identity, ask why you’re cancelling, and check if you’re eligible for a refund.

We’ll send you a cancellation notice by email or post, depending on the contact method you chose. This notice will tell you when your cover ends and state any refund amount, if applicable. If you chose email, make sure you check your spam folders.

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Adjust your sum insured, review your excess, consider your cover, ask for a policy review.

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Frequently asked questions.

There are cooling-off periods from the date you bought your policy, so you can cancel it if you change your mind.

Cooling-off periods vary depending on your insurance policy type:

• Boat, Business, Caravan and Trailer, Home, and Travel Insurance: 14 days
• Car Insurance: 21 days
• Life Insurance: 30 days

During the cooling-off period, we’ll refund your premium as long as you haven’t made a claim or don’t need to make a claim. We may deduct government charges we can’t recover.

For Travel Insurance, we’ll give you a full  refund, provided:

• you haven’t started your journey, and
• you don’t want to make a claim, and
• you don’t want to exercise any other right under your policy

Check with your conveyancer or lawyer before cancelling your insurance as settlement periods vary.  We’ll refund you for any unused portions of your premium. The new owners will arrange their own insurance.

If you’ve bought a new home, talk to your conveyancer or lawyer about when to insure it. If you’re now renting, you might like to  consider contents insurance for renters .

If you’re eligible for a refund, we’ll refund most of the premium covering the rest of your period of insurance. We may deduct a pro rata proportion of the premium. This is for the time you were insured and any government taxes or duties we can’t recover.

For example, if you pay your premium annually, but cancel it after six months, we’ll refund you for six months. If you pay your premium monthly, we’ll deduct the number of days you were insured with us that month.

Note: If you’ve made a claim or you need to make a claim, this may affect your refund. Where we’ve agreed to cover a total loss claim, you won’t be eligible for a refund.

For Travel Insurance, we’ll  give you a full or partial refund. That’s provided: you haven’t started your journey and you don’t want to make a claim,   or exercise any other right under your policy. If you cancel your policy after the cooling-off period, we’ll calculate a partial refund. We’ll refund you on a pro-rata basis from the date you cancel your policy.

For further information, see the relevant Product Disclosure Statement (PDS) .

The timeframe for receiving a refund can range from a few days to a few weeks. It depends on the circumstances of your cancellation, such as your payment method, any outstanding balances, or open claims. It’s best to contact us, or your Allianz Insurance agent, to confirm your eligibility and the refund process for your policy.

If you want to cancel your CTP Insurance, you’ll need to cancel your vehicle registration first. When you’ve cancelled your vehicle registration, you’ll receive a deregistration confirmation letter. We’ll need the confirmation letter before we can process your cancellation and refund any unused portion of your premium.

You can cancel your policy if you’re the policy holder. The policy holder is the person named as the insured on the insurance policy. Anyone you nominate as a third party on your policy, such as a lawyer, carer, or friend, can cancel your policy. This may be by a Power of Attorney.

We can cancel your policy where we need to by law. This is only likely to happen if you’ve broken our terms and conditions.

Without your request, we only cancel policies if we need to by law. Here are the main reasons why we may cancel policies:

• Non-payment: if you miss your scheduled premium payments. Let us know if you’re struggling to pay your premium instalments on time. We can work with you to find a solution.
• Incorrect information: if you’ve given us incorrect information about your personal circumstances or the insured property.
• Changes to your details: if you haven’t told us about changes to your personal circumstances or your insured property and we can’t reach an agreement with you.
• Fraudulent claims: if you make any fraudulent claims.
• Any other breach of our terms and conditions: if you don’t comply with our terms and conditions as set out in the relevant PDS.

If we cancel your Home, Car, or Business Insurance , we’ll give you at least three business days’ notice in writing before the cancellation date. This will be either in person, by email, or by post to the address you’ve given us.

For further details, see the relevant PDS for your insurance product.

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Give us a call, or send us a message, follow us on, *conditions apply.

Minimum premiums may apply

• Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts. Discounts don't apply to taxes or government charges.

Option to change your excess

• Home Insurance: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable Contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers’ Compensation, Flood or Portable Contents. Minimum premiums apply.
• Landlord Insurance: Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers' Compensation, or Flood. Minimum premiums apply. Car Insurance: Under 25 Driver excess. A higher Under 25 Drive excess applies when there are no drivers aged under 25 listed in your policy details document. You can reduce this amount by listing the youngest under 25 driver who uses your car in your policy details document. For further information, see the relevant PDS.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.

June 1, 2020

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Due to travel restrictions, plans are only available with effective start dates on or after

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4 Mistakes to Avoid When Filing a Travel Insurance Claim

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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