- Allianz's Strong Financial Stability and Global Presence: As part of the large German insurer Allianz SE, Allianz Global Assistance boasts a solid financial record, serving over 55 million travelers annually across 70+ countries with comprehensive global reach.
- Premium Features and Coverage Options for Travelers: Allianz offers a range of plans including single-trip, annual multi-trip, and specialty coverage, with unique benefits like free children’s coverage, innovative delay payments, and strong medical coverage limits.
- Digital Tools and Mobile Convenience: The Allianz Allyz app enhances the travel experience with real-time flight tracking, easy claims filing, emergency assistance, and a medical translator, making digital management simple and accessible.
- Customer Service and Reputation Insights: Supported by a BBB A+ rating and Trustpilot reviews averaging over 4 stars, Allianz provides 24/7 emergency help worldwide, but some customers report mixed experiences with claims processing and customer support.
- Claims Process and Unique Benefits: Claims are generally straightforward to file via online or mobile app, with a typical review time of around 10 business days, and features like SmartBenefits offer automatic delay payments, setting Allianz apart in proactive coverage.
- Get a quote from Allianz.
Allianz Travel Insurance Overview
Allianz Global Assistance is one of the biggest names in travel insurance, and for good reason. As part of the German insurance giant Allianz SE (founded in 1890), this company brings serious financial muscle and global reach to the travel protection game. They protect over 55 million travelers annually and have been named Best Insurance Provider by Travel Weekly readers for ten consecutive years. That said, being big does not automatically mean being the best fit for everyone.
Overall, we rated Allianz Travel Insurance 8.8 out of 10, landing towards the top of our list of the best travel insurance companies.
Who is Allianz Travel Insurance Best For?
Allianz is best suited for families traveling with children, travelers who prioritize mobile app functionality and digital convenience, those who want the security of a financially rock-solid insurer, and business travelers who need annual multi-trip coverage with business equipment protection.
Allianz Travel Insurance Strengths
Allianz offers exceptional financial stability, backed by A+ ratings from AM Best, making it one of the most reliable options for claims payments. Their Allyz mobile app sets them apart from many competitors, offering real-time flight tracking, easy claims filing, and emergency assistance at your fingertips. The free coverage for children 17 and under on Prime and Premier plans makes them a desirable option for families, and their Cancel Anytime upgrade provides up to 80% reimbursement for almost any cancellation reason.
Allianz Travel Insurance Weaknesses
Allianz tends to be about 35% more expensive than the industry average, which can be a dealbreaker for budget-conscious travelers. Their medical coverage limits, while adequate for most situations, max out at $75,000 on even their top-tier Premier plan, which falls short compared to some competitors offering $100,000 or more. Additionally, customer reviews reveal a consistent pattern of complaints about claims processing, with some travelers reporting slow response times and requests for repetitive documentation.
Allianz Travel Insurance
Allianz Global Assistance is an excellent choice for a few distinct traveler groups, particularly families traveling with children. The company offers a significant advantage by providing free coverage for children aged 17 and under on their popular OneTrip Prime and OneTrip Premier plans, which delivers real value for parents and grandparents. Beyond this, Allianz is highly recommended for any traveler who prioritizes exceptional financial stability and security. Backed by German giant Allianz SE, the company holds A+ financial ratings from AM Best and other major agencies, offering absolute certainty that they have the financial firepower to meet ongoing insurance obligations and pay claims, a critical factor for peace of mind.
A second key demographic is the digital-savvy traveler and those who value streamlined, innovative features. Allianz's Allyz mobile app is an industry-leading digital experience, offering real-time flight tracking, easy claims filing, and a medical translator feature. Furthermore, travelers on Prime and Premier plans benefit from SmartBenefits, an innovative feature that provides automatic, no-receipt $100 payments for covered flight delays, which is a proactive approach ahead of what most competitors offer. For frequent business travelers, the annual multi-trip plans, especially the AllTrips Executive option, provide valuable benefits like up to $1,000 for business equipment coverage.
In summary, the document recommends Allianz for those who view travel insurance as a premium product and are willing to pay for the security and digital convenience it provides. While it is more expensive than the industry average, the extra cost buys peace of mind from a financially rock-solid insurer with over 135 years in the business, and access to unique features like the Allyz app and automatic delay payments. Conversely, the document suggests budget-conscious travelers or those needing high medical coverage limits (over $75,000) may find better alternatives elsewhere.
- Rock-Solid Financial Security: Enjoy the peace of mind that comes with industry-best financial stability, backed by A+ ratings from major credit agencies, ensuring claims are paid.
- Industry-Leading Digital Experience: Manage your entire policy, file claims, and access 24/7 emergency assistance with the Allyz mobile app, your comprehensive travel companion.
- Great Value for Families: Save significantly with free coverage for all children aged 17 and under when traveling with a parent or grandparent on Prime and Premier plans.
- Innovative Delay Payments: Get automatic $100 fixed payments for covered flight delays through SmartBenefits, eliminating the hassle of receipts and claims paperwork.
on Allianz's website
Company Overview
Allianz Global Assistance operates as the travel insurance division of Allianz SE, one of the largest financial services companies in the world. The parent company, Allianz, was founded in Munich, Germany, in 1890 by Carl Thieme and Wilhelm Finck, making Allianz over 135 years in the insurance business. The travel insurance arm distributes products through AGA Service Company, headquartered in Richmond, Virginia.
In terms of market presence, Allianz is genuinely massive. They serve customers in over 70 countries and employ more than 156,000 people globally. The parent company manages over 2 trillion euros in assets and serves approximately 125 million customers worldwide. For travel insurance specifically, they protect more than 55 million American travelers each year, making them one of the largest travel insurance providers in the United States.
Allianz travel insurance products are available to U.S. residents in most states, though some plans and add-ons may have state-specific restrictions. For example, their Rental Car Protector is not available to residents of Kansas and Texas except when purchased as a separate policy. The company holds proper licensing in all 50 states and the District of Columbia, and operates in California as Allianz Global Assistance Insurance Agency under License #0B01400.
Insurance benefits are underwritten by two carriers, depending on your state of residence: Jefferson Insurance Company (based in New York) or BCS Insurance Company (based in Ohio). Both underwriters carry strong financial ratings, which we will discuss in detail in the next section.
Financial Strength & Solvency
This is where Allianz absolutely shines. The company’s financial strength is among the best in the entire travel insurance industry, and honestly, it is hard to find a more financially secure option.
Jefferson Insurance Company, the primary underwriter for Allianz travel policies, holds an A+ (Superior) rating from AM Best, which is the second-highest possible rating out of 13 categories. BCS Insurance Company, the secondary underwriter, holds an A (Excellent) rating, which is the third-highest. Both ratings indicate excellent ability to meet ongoing insurance obligations and pay claims.
The parent company, Allianz SE, has even more impressive credentials. AM Best affirmed its A+ (Superior) Financial Strength Rating in March 2025, along with a Long-Term Issuer Credit Rating of aa (Superior). Standard & Poor’s rates them AA, Moody’s rates them Aa3, and Fitch rates them AA. These are all investment-grade ratings that reflect Allianz’s robust balance sheet, diversified revenue streams, and proven track record through economic cycles.
As of 2022, Allianz SE was the world’s largest insurance company with approximately $1.02 trillion in assets, according to Forbes. In fiscal year 2024, the group generated total business volume of 180 billion euros and operating profit of 16 billion euros. This kind of financial firepower means that when you file a claim with Allianz, the money will be there to pay it.
With over 135 years in the insurance business, Allianz has survived world wars, economic depressions, global pandemics, and every other crisis the modern world has thrown at it. This longevity, combined with their stellar ratings from all major credit agencies, earns them a perfect score.
Coverage Options
Allianz offers a robust lineup of travel insurance products organized into single-trip plans, annual multi-trip plans, and specialty coverage options. Here is a breakdown of what is available.
Single-Trip Plans
OneTrip Basic is the entry-level option designed for budget-conscious travelers who want essential protection without breaking the bank. It includes trip cancellation and interruption coverage up to the cost of your trip, emergency medical coverage up to $10,000, emergency medical transportation up to $50,000, baggage loss/damage up to $500, and travel delay coverage up to $200 per day. This plan does not allow the Cancel Anytime upgrade.
OneTrip Prime is their most popular plan and offers expanded coverage with emergency medical benefits up to $50,000, emergency medical transportation up to $500,000, baggage coverage up to $1,000, travel delay up to $800, and the ability to add the Cancel Anytime upgrade. Prime also includes SmartBenefits, which provides automatic $100 payments for monitored flight delays without requiring receipts. Kids 17 and under travel free when accompanied by a parent or grandparent on this plan (not available in Pennsylvania).
OneTrip Premier is the top-tier option that roughly doubles most post-departure benefits from the Prime plan. You get emergency medical coverage up to $75,000, emergency medical transportation up to $1 million, baggage coverage up to $2,000, and travel delay up to $1,600. This plan also includes Trip Change Protection and NOAA hurricane warnings as a covered cancellation reason. The free kids’ coverage also applies here.
OneTrip Emergency Medical is a specialized plan focused specifically on medical protection rather than trip investment coverage. It offers up to $100,000 in emergency medical benefits ($50,000 for accidents and $50,000 for illness), up to $250,000 in emergency medical transportation, and includes baggage and travel delay coverage but no trip cancellation benefits.
OneTrip Cancellation Plus is designed for travelers whose primary concern is protecting their trip investment. It provides trip cancellation and interruption coverage, plus limited travel delay benefits ($150, but no medical coverage.
Annual Multi-Trip Plans
For frequent travelers, Allianz offers four AllTrips annual plans. AllTrips Basic provides post-departure benefits, such as emergency medical coverage and baggage protection, but does not include trip cancellation. AllTrips Prime adds trip cancellation and interruption coverage up to $2,000. AllTrips Premier offers the highest coverage limits and protects trips up to 90 days long, covering an entire household, regardless of whether traveling together or separately. AllTrips Executive is designed for business travelers and includes up to $1,000 for business equipment coverage and rental benefits.
Specialty Coverage
OneTrip Rental Car Protector provides primary collision and loss damage coverage for rental vehicles at $13 per calendar day, which is typically far cheaper than what rental agencies charge at the counter. This coverage is available in most states, but not in Kansas or Texas residents, except when purchased separately.
Coverage Limits & Flexibility
Benefit | Basic | Prime | Premier |
Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
Emergency Medical | $10,000 | $50,000 | $75,000 |
Medical Evacuation | $50,000 | $500,000 | $1,000,000 |
Baggage Loss/Damage | $500 | $1,000 | $2,000 |
Travel Delay | $200/day | $200/day to $800 | $400/day to $1,600 |
Allianz provides good customization through optional upgrades. The Cancel Anytime upgrade (available on Prime and Premier plans) offers up to 80% reimbursement if you cancel for almost any unforeseeable reason not already covered by the plan. This is one of the most generous CFAR-style options in the industry, though note that traditional Cancel For Any Reason coverage must be purchased through a travel agent rather than directly online. Other upgrades include rental car protection at $13 per day.
All three comprehensive plans (Basic, Prime, Premier) offer pre-existing condition coverage when you purchase within 14 days of making your initial trip payment. This coverage comes standard rather than as an add-on, which is a meaningful advantage over competitors who charge extra or do not offer it at all.
Standard exclusions include extreme sports, alcohol or drug-related incidents, normal pregnancy and childbirth, participation in sporting events, acts of war, civil disorder, and travel against government advisories. These exclusions are standard across the industry.
Affordability & Value
Here is where Allianz loses some points. While their plans are not outrageously expensive, they consistently come in above the industry average. Multiple sources indicate that Allianz premiums run approximately 35% higher than comparable plans from competitors.
For example, a 30-year-old traveler taking a 7-day trip costing $2,500 would pay approximately $98 for the Basic plan, $140 for Prime, and $184 for Premier. A 65-year-old taking the same trip would pay $155 to $291 for identical coverage, representing a 40% to 60% increase solely due to age.
Looking at another pricing scenario, a family of four (two adults aged 35 with two children aged 8 and 10) taking a trip to the United Kingdom with a total trip cost of $12,000 received a quote of $75.50 per traveler, or $302 total on the Prime plan. That works out to about 2.5% of the trip cost, which is on the lower end of the typical 4% to 8% range but still reflects the free children pricing advantage.
The value proposition is mixed. On one hand, you are paying a premium for the security of dealing with an exceptionally financially stable company, access to the Allyz app and SmartBenefits technology, free coverage for children, and 24/7 multilingual support from a company that operates in 70 countries. On the other hand, if you are a solo traveler or a couple without kids, you may find better prices elsewhere for similar coverage levels.
Allianz offers a 15-day or more extended review period (depending on your state) during which you can cancel your policy for a full refund if you have not departed on your trip or filed a claim. This at least gives you time to comparison shop after purchasing if you find a better deal.
Customer Service
Allianz provides 24/7 emergency assistance through their hotline, which is essential for travelers who may need help at any hour in any time zone. U.S. and Canadian customers can reach assistance by calling 800-654-1908, while international travelers should call 804-281-5700. General customer service is available at 800-284-8300 during extended business hours.
The company supports multiple languages through its global network, which makes sense given its presence in over 70 countries. Their assistance team can help with medical emergencies, lost documents, translation services, rebooking flights, and coordinating evacuations.
Support Channels
Allianz offers multiple ways to get help. Phone support is the primary channel, with the 24/7 emergency line for urgent situations and customer service for general inquiries. Email support is available at [email protected] and [email protected]. The Allyz app provides another way to access support, view coverage details, and file claims. Fax submissions can be sent to 804-673-1469, and mail can be sent to their Richmond, Virginia, address.
One area where Allianz could improve is the live chat functionality on its website, which is notably absent from its digital support options. This is a feature many competitors now offer for quick questions.
Online & Digital Experience
The Allianz website (allianztravelinsurance.com) is well-designed and easy to navigate. Getting a quote takes just a few clicks: enter your state, trip details, and traveler information, and you can compare all available plans side-by-side with their coverage limits clearly displayed. The purchase flow is straightforward, and policy documents are delivered electronically immediately after purchase.
Information clarity is generally good, though like most insurance websites, understanding precisely what is and is not covered requires reading the actual policy documents rather than just the marketing summaries. The site includes helpful educational content about travel insurance concepts and a detailed FAQ section.
Mobile App
The Allyz app (formerly TravelSmart) is a genuine differentiator for Allianz. Available on iOS and Android, the app offers comprehensive policy management and travel assistance features. You can view your coverage details, file claims directly from your phone with photo uploads, track flights in real-time, access emergency contact numbers for any country, find nearby medical facilities, and even use a medical translator feature that converts first aid terms into 18 languages.
User reviews of the app are generally positive, with many travelers appreciating the convenience of having all their insurance information accessible offline. However, some users report occasional login issues and bugs that Allianz is apparently working to address. The app is free to download and does not require an active policy to access many of its travel assistance features.
Digital Tools
Online claims filing through the website and app is a significant convenience. The system walks you through the process step by step, prompts you for required documentation, and lets you upload photos and files directly. You can check claim status online at any time and receive email updates when your claim is reviewed or if additional documentation is needed.
SmartBenefits is a particularly innovative feature available on Prime and Premier plans. When you opt in and provide your flight information, Allianz will monitor your flights and send automatic alerts about delays. If your covered delay qualifies, you can receive a fixed payment of $100 per day without submitting any receipts or going through the normal claims process. This proactive approach to delay coverage is ahead of what most competitors offer.
Customer Satisfaction & Reputation
Better Business Bureau (BBB)
Allianz holds an A+ rating with the Better Business Bureau and has been accredited by the BBB since August 1991. This accreditation indicates that the company has committed to upholding BBB standards for trustworthiness and to responding to customer complaints. The BBB rates them 4.4 out of 5 stars based on over 3,000 customer reviews.
That said, the BBB complaint file reveals some concerning patterns. Common complaint themes include claims being closed or denied without a clear explanation, requests for documentation that have already been submitted, and difficulty getting claims escalated to decision-makers. Allianz does respond to BBB complaints and often resolves issues when customers escalate through this channel, which is a positive sign.
Trustpilot
On Trustpilot, Allianz Partners USA has a rating of 4.1-4.3 out of 5 stars based on over 165,000 reviews. This is a massive review pool that provides a statistically meaningful picture. Trustpilot’s AI summary notes that customers appreciate the ease of use of services and the speed with which claims are handled, with the claim process described as simple and communication updates provided regularly.
Negative reviews on Trustpilot tend to focus on claim denials, situations where coverage did not apply as the customer expected, and delayed processing times for more complex claims. The sheer volume of positive reviews suggests that most customers have satisfactory experiences, but the negative reviews indicate that when things go wrong, they can go quite wrong.
Reddit & Social Media Sentiment
Reddit sentiment on Allianz is mixed but generally leans toward a cautious recommendation. Users on travel forums recommend Allianz for its coverage options and global assistance, while cautioning others to review policy details upfront and document everything carefully when filing claims. The consensus is that Allianz works well when you do not need to file a claim, and can work well if you do, but it requires persistence and thorough documentation.
Common discussion topics include the quality of the Allyz app, the value of SmartBenefits for flight delays, and comparisons with competitors such as World Nomads, Travel Guard, and others. Some experienced travelers recommend getting quotes from multiple providers before choosing, as Allianz is not always the most cost-effective option.
Claims Process
The claims process is the most polarizing aspect of Allianz coverage. The company has invested in making claims easy to file through multiple channels, but the actual processing and resolution of claims receive inconsistent reviews.
Filing a claim is straightforward. You can submit online through the Allianz website, use the Allyz app, call customer service at 866-884-3556, email [email protected], fax to 804-673-1469, or mail documentation to their Richmond address. The online and app options are the fastest and let you upload supporting documents digitally. Allianz requests that you notify them of your claim within 90 days of the loss or as soon as reasonably possible.
Required documentation varies by claim type but typically includes your policy information, travel itinerary, receipts for expenses incurred, and proof of the covered event (such as medical records, airline cancellation notices, or police reports). The company advises submitting too much documentation rather than too little, as missing items will delay processing.
Allianz states that claims are typically processed within about 10 business days, at which point you will receive either a decision or a request for additional information. Simple claims for things like baggage delays may be resolved quickly, especially if using SmartBenefits for automated payments. However, complex claims involving medical treatment, multiple benefits, or extensive documentation can take considerably longer.
Customer feedback on claims is decidedly mixed. Many travelers report smooth, fast processing with payments arriving within days of approval via direct deposit. Others describe frustrating experiences with repeated requests for the same documentation, claims closed without adequate explanation, and difficulty getting status updates. The pattern suggests that straightforward claims are handled well, while anything complicated may require significant follow-up effort.
If your claim is denied and you believe it should be covered, you can request reconsideration by submitting additional documentation and a note explaining your position. The appeals process exists, and some customers have successfully overturned denials, but it requires persistence.
Unique Features & Differentiators
Allianz offers several distinctive features that set it apart from competitors.
SmartBenefits is their standout innovation. Available on Prime and Premier plans, this feature monitors your flights (when you opt in and provide flight information) and automatically triggers a fixed $100 daily payment for covered delays, without requiring you to submit receipts or go through the traditional claims process. This proactive, no-hassle approach to delay coverage is genuinely ahead of the industry.
The Allyz app goes beyond basic policy management to function as a comprehensive travel companion. Features like the medical translator (covering 60 first aid terms in 18 languages), emergency medication name lookup (750 common medications), and one-touch access to local emergency numbers provide practical utility even for travelers without an Allianz policy.
Free coverage for children 17 and under on Prime, Premier, and AllTrips Premier plans makes Allianz particularly attractive for families. While the parent or grandparent still pays their premium, adding children does not increase the cost. This is not unique to Allianz, but not all competitors offer it.
Cancel Anytime coverage provides up to 80% reimbursement for cancellation due to almost any unforeseeable reason not already covered by the base plan. This is more generous than the typical 75% offered by traditional CFAR coverage, though the upgrade does add high cost to the policy.
Epidemic coverage comes standard on all comprehensive plans, which became particularly relevant during and after the COVID-19 pandemic. If you, a travel companion, or family member is diagnosed with an epidemic disease like COVID-19, you may be covered for trip cancellation, interruption, travel delays, and emergency medical care related to the illness.
Pros and Cons
Compare the pros and cons of Allianz travel insurance.
Pros
Exceptional financial stability with A+ ratings from multiple agencies and backing from one of the world’s largest insurers. The Allyz mobile app offers an industry-leading digital experience, including flight monitoring, claims filing, and travel assistance tools. Free coverage for children 17 and under on Prime and Premier plans delivers real value for families. SmartBenefits offers innovative automatic payments for flight delays without requiring receipts or claims paperwork. Strong medical evacuation coverage up to $1 million on the Premier plan provides peace of mind for international travel.
Cons
Pricing runs approximately 35% above industry average, making Allianz one of the more expensive options. Emergency medical coverage maxes out at $75,000, which is lower than some competitors’ offerings of $100,000 or more. The claims process receives inconsistent reviews with complaints about repetitive documentation requests and slow processing for complex claims. Traditional CFAR coverage requires working with a travel agent rather than allowing direct online purchase. The website’s live chat support limits quick digital communication options.
Our Verdict
Allianz Global Assistance is a solid, reputable travel insurance provider backed by one of the most financially secure insurance companies in the world. They are an excellent choice for families with children under 17 who can take advantage of free child coverage, travelers who value mobile app functionality and want features like SmartBenefits for automatic delay payments, those who prioritize financial stability and want absolute certainty their claims will be paid, and business travelers who need annual coverage with equipment protection.
However, you should look elsewhere if you are a budget-conscious traveler seeking the lowest premiums, need higher medical coverage limits (some competitors offer $100,000+), want traditional CFAR coverage available for direct online purchase, have had frustrating experiences with insurance claims in the past, and like a company known for frictionless processing, or prefer live chat support for quick digital communication.
The bottom line is that Allianz is a premium product at premium prices. You are paying extra for the peace of mind that comes with exceptional financial backing, innovative digital tools, and a brand name with over 135 years in the insurance business. For many travelers, that premium is worth it. For others, comparable coverage is available at lower prices from competitors. As always, compare quotes from multiple providers and read the policy documents carefully before making your decision.
About Our Methodology
We use a weighted scoring system for travel insurance reviews. We compared 20 companies on key factors, including their travel insurance rates, to inform our ratings. Once we scored each company, we applied a curve based on the best overall product. Here’s what we look for:
- Financial Strength & Solvency: 20%
- Affordability & Value: 15%
- Customer Service: 20%
- Online & Digital Experience: 10%
- Customer Satisfaction & Reputation: 20%
- Claims Process: 15%
You can learn more about how each company scored and what curve was applied here: Travel Insurance Reviews.
Frequently asked questions
Here are the common questions about Allianz travel insurance.
Allianz is worth considering if you prioritize financial stability, want access to their excellent mobile app, or are traveling with children who qualify for free coverage. Their plans provide solid protection for trip cancellations, medical emergencies, and travel delays. However, if you are primarily budget-conscious and do not need the premium features Allianz offers, you may find better value with competitors. The worth ultimately depends on your specific travel needs, risk tolerance, and how much you value the security of dealing with one of the world’s largest insurers.
Yes, most Allianz plans include epidemic coverage for COVID-19. This means you may be covered for trip cancellation or interruption if you, a travel companion, or a family member is diagnosed with COVID-19 before or during your trip. Emergency medical coverage also applies if you contract COVID-19 while traveling. However, general fear of traveling due to COVID-19 or government travel advisories is not a covered reason for cancellation unless you purchase the Cancel Anytime upgrade. Always review your specific policy documents for the exact terms and conditions.
You can file a claim with Allianz through multiple channels. The fastest method is through their online claims portal at allianztravelinsurance.com or through the Allyz mobile app, which allows you to upload documents directly from your phone. You can also call customer service at 866-884-3556, email [email protected], fax documents to 804-673-1469, or mail them to Allianz Partners at P.O. Box 71533, Richmond, VA 23255-1533. Allianz recommends filing within 90 days of your loss and keeping copies of all receipts, medical records, and other supporting documentation.
Allianz states that claims are typically reviewed within about 10 business days, at which point you will receive either a decision or a request for additional information. Simple claims, such as baggage delays, may be processed faster, especially if you use SmartBenefits for automatic payments. Once approved, direct deposit payments are received within 2 to 5 business days, while paper checks take 10 to 14 business days. However, complex claims involving significant medical expenses or multiple benefits can take considerably longer, and some customers report delays of several weeks to months in complicated situations.
Cancel Anytime is an optional upgrade available on OneTrip Prime and OneTrip Premier plans that provides up to 80% reimbursement of your prepaid, nonrefundable trip costs if you cancel for almost any unforeseen reason not already covered by your base plan. This is Allianz’s alternative to traditional Cancel For Any Reason (CFAR) coverage. The key difference is that Cancel Anytime covers unforeseeable reasons, while traditional CFAR covers cancellation for literally any reason, including simply changing your mind. Cancel Anytime must be purchased when you buy your policy and adds additional cost to your premium.
Yes, all three comprehensive OneTrip plans (Basic, Prime, and Premier) offer pre-existing condition coverage, but you must meet specific requirements. The most essential requirement is that you purchase your travel insurance within 14 days of making your initial trip payment. Additionally, you must be medically able to travel when you buy your policy, and you must insure all prepaid, nonrefundable trip costs. If you meet these conditions, your pre-existing conditions will be covered the same as any other medical issue under your policy. This is a valuable benefit that many competitors either exclude entirely or charge extra for.
Allianz travel insurance is primary for emergency medical and dental coverage, meaning it pays first regardless of any other insurance you may have. However, for different medical coverage beyond emergencies, Allianz is secondary, meaning it pays after your primary health insurance has processed the claim. For trip cancellation, interruption, and other non-medical benefits, Allianz typically serves as the primary coverage source, as these are not benefits provided by standard health insurance policies.
Yes, Allianz offers a review period of at least 15 days (longer in some states) during which you can cancel your policy and receive a full refund of the plan price. To qualify for this refund, you must not have started your trip, filed a claim, or had the policy period end. The easiest way to cancel is through their online policy management tool, or you can call customer service at 866-884-3556. After the review period expires, policies are generally non-refundable.
SmartBenefits is an innovative feature available on OneTrip Prime and OneTrip Premier plans that automatically pays for unavoidable covered delays without requiring you to submit receipts or file a traditional claim. When you opt in and provide your flight information, Allianz monitors your flights. If you experience a covered travel delay on a monitored flight, you automatically receive a fixed payment of $100 per insured person, per day. This proactive approach eliminates the hassle of collecting receipts and filing paperwork for delay-related expenses. However, you can still file a traditional claim if your actual costs exceed the SmartBenefits payment.
Standard Allianz plans generally do not cover extreme sports or high-risk activities. Excluded activities typically include things like skydiving, bungee jumping, mountaineering, and similar adventure pursuits. Participation in organized sporting events or competitions is also normally excluded. If you plan to engage in adventure activities during your trip, you should carefully review the policy exclusions and contact Allianz directly to understand what is and is not covered. Some activities that seem adventurous to casual travelers, like snorkeling or hiking, may be covered as long as they do not fall into the extreme sports category.
For emergencies while traveling, Allianz provides 24/7 assistance through their hotline. Within the United States, Canada, Puerto Rico, and the U.S. Virgin Islands, call toll-free 1-800-654-1908. From outside these areas, call collect 1-804-281-5700. You can also access emergency assistance through the Allyz mobile app, which includes features like one-touch calling to local emergency services, a medical facility locator, and a medical translator. In a true medical emergency, always call local emergency services first (like 911 in the US), then contact Allianz to coordinate coverage and assistance.
The documentation required depends on your claim type. Still, generally you should have your policy number and travel itinerary, receipts for all expenses you are claiming, proof of the covered event,nt such as a doctor’s note for medical issues or airline documentation for cancellations and delays, credit card statements showing original trip payments, and any official reports, like police reports for theft or incident reports from airlines. For medical claims, you will need to obtain your own medical records since Allianz cannot request them on your behalf due to privacy laws. Allianz accepts files up to 7MB in formats including PDF, JPG, PNG, DOC, and XLS.
Allianz does not have a strict age cutoff for purchasing travel insurance, making it accessible to senior travelers. However, premiums do increase significantly with age. According to pricing data, travelers aged 65 pay approximately 40% to 60% more than 30-year-old travelers for identical coverage. The good news is that pre-existing condition coverage is available to travelers of all ages as long as you meet the requirements (primarily purchasing within 14 days of your initial trip payment). Some competitors have age restrictions or dramatically reduced coverage for older travelers, so Allianz’s approach is relatively senior-friendly.
Important Information About Travel Insurance
*Insurance needs vary significantly based on individual circumstances. This page provides general information and should not be considered personal insurance advice. Always read policy documents carefully and consider consulting with a licensed insurance professional for guidance on your specific situation.
**Company information and offerings may have changed since the time of writing. Please always verify the current details before purchasing an individual policy.