Allianz travel Insurance Review & Ratings (2023)
This Allianz travel Insurance Review will cover Allianz travel Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Allianz travel Insurance A.M. Best rating is A+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 24, 2023
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Welcome to our comprehensive guide on Allianz travel Insurance. In this article, we will explore everything you need to know about Allianz travel Insurance, including coverage options, costs, customer ratings, and more. Whether you’re planning a domestic getaway or an international adventure, it’s crucial to have reliable travel insurance to protect your trip.
To make an informed decision and find the best rates from top insurance providers, enter your zip code now and compare quotes. Don’t leave your travel plans vulnerable – get the right coverage and embark on your journeys with confidence.
What does Allianz travel insurance cover?
Allianz offers many different travel insurance plans. All of its plans fit into two categories—OneTrip plans and AllTrips plans. As you may be able to tell from the name, OneTrip plans will cover one trip with a specified start and end date, while AllTrips plans will cover any trips that you take during one year.
Let’s first take a look at the features of Allianz OneTrip travel insurance plans:
| Feature | OneTrip Cancellation Plus | OneTrip Basic | OneTrip Prime | OneTrip Premier | OneTrip Emergency Medical |
|---|---|---|---|---|---|
| Trip Cancellation | $5,000 | $10,000 | $100,000 | $100,000 | N/A |
| Trip Interruption | $5,000 | $10,000 | $150,000 | $150,000 | N/A |
| Emergency Medical | N/A | $10,000 | $25,000 | $50,000 | $50,000 |
| Emergency Medical Transportation | N/A | $50,000 | $500,000 | $1,000,000 | $250,000 |
| Baggage Loss or Damage | N/A | $500 | $1,000 | $2,000 | $2,000 |
| Baggage Delay | N/A | $200 | $300 | $600 | $750 |
| Travel Delay | $150, with a $150 daily limit | $300, with a $150 daily limit | $800, with a $200 daily limit | $1,600, with a $200 daily limit | $1,000, with a $200 daily limit |
| Travel Accident | N/A | N/A | N/A | N/A | $10,000 |
| SmartBenefits | N/A | N/A | $100 | $100 | N/A |
| Change Fee Coverage | N/A | N/A | $500 | $500 | N/A |
| Loyalty Program Redeposit Fee Coverage | N/A | N/A | $500 | $500 | N/A |
| 24-Hour Hotline Assistance | Included | Included | Included | Included | Included |
| Concierge | N/A | N/A | Included | Included | Included |
| Rental Car Damage Protector | N/A | N/A | Optional | Optional | N/A |
| Required to Work | N/A | N/A | Optional | N/A | N/A |
| Pre-Existing Medical Condition | N/A | Available | Available | Available | Available |
As you can see, each plan has different features that protect against things like cancellation or medical emergencies. Each plan also has differing coverage limits. Depending on the type of trip you are taking, one plan may be better for you than others.
For example, someone taking a domestic trip may only need the OneTrip Cancellation Plus plan, especially if they have health insurance that is accepted in their destination area. However, the OneTrip Basic, Prime, and Premier plans can also provide more comprehensive coverage for longer trips or those traveling outside the country.
In addition, if you already have some level of cancellation coverage from another source, you may only need the OneTrip Emergency Medical plan.
Now, let’s look at the features included in the Allianz AllTrips travel insurance plans:
| Feature | AllTrips Basic | AllTrips Prime | AllTrips Executive | AllTrips Premier |
|---|---|---|---|---|
| Trip Cancellation | N/A | $3,000 | $5,000 / $7,500 / $10,000 | $2,000 / $5,000 / $10,000 / $15,000 |
| Trip Interruption | N/A | $3,000 | $5,000 / $7,500 / $10,000 | $2,000 / $5,000 / $10,000 / $15,000 |
| Emergency Medical | $20,000 | $20,000 | $50,000 | $50,000 |
| Emergency Medical Transportation | $100,000 | $100,000 | $250,000 | $500,000 |
| Baggage Loss or Damage | $1,000 | $1,000 | $1,000 | $2,000 |
| Baggage Delay | $200 | $200 | $1,000 | $2,000 |
| Travel Delay | $600, with a $200 daily limit | $600, with a $200 daily limit | $1,600, with a $200 daily limit | $1,500, with a $300 daily limit |
| Travel Accident | $25,000 | $25,000 | $50,000 | $50,000 |
| Business Equipment Coverage | N/A | N/A | $1,000 | N/A |
| Business Equipment Rental Coverage | N/A | N/A | $1,000 | N/A |
| Change Fee Coverage | N/A | N/A | $500 | N/A |
| Loyalty Program Redeposit Fee Coverage | N/A | N/A | $500 | N/A |
| 24-Hour Hotline Assistance | Included | Included | Included | Included |
| Concierge | Included | Included | Included | Included |
| Rental Car Damage and Theft | $45,000 | $45,000 | $45,000 | $45,000 |
| Pre-Existing Medical Condition | N/A | Available | Available | Available |
Allianz AllTrips travel insurance plans are for people who travel frequently. This kind of plan is purchased on an annual basis, so you pay one fee for one year of coverage. The AllTrips Basic provides medical coverage, but it isn’t ideal for those who need trip cancellation or interruption coverage.
The AllTrips Prime, Executive, and Premier provides coverage for trip cancellation and interruption in addition to medical benefits. AllTrips Executive is specifically designed for people who travel for work, so it includes business equipment coverage.
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How much does Allianz travel insurance cost?
According to the US Travel Insurance Association (UStiA), the average cost of travel insurance is between 4% and 8% of the trip cost.
The costs of Allianz OneTrip plans for a 40-year-old living in Virginia taking a $2,500 trip to the United Kingdom in July 2022 are:
- OneTrip Basic: $102
- OneTrip Prime: $132
- OneTrip Premier: $198
The costs of Allianz AllTrips plans for a 40-year-old living in Virginia starting in February 2022 are:
- AllTrips Basic: $138
- AllTrips Prime: $280
- AllTrips Executive: $510
- AllTrips Premier: $485
According to the averages reported by the UStiA, Allianz travel insurance rates are on par with industry standards. Its OneTrip plans are right in between the 4%-8% range. However, whether or not the AllTrips plans are worth the price will depend on how often you travel and the cumulative cost of your travel throughout the year.
How is the Allianz travel insurance company rated?
Allianz has an A+ rating from the BBB. However, Allianz travel insurance reviews vary widely. For example, some customers are very happy with the customer service they receive. However, many others complain of not having coverage for specific reasons. Therefore, it’s important to understand what events Allianz will cover before you purchase a plan.
Allianz has a financial strength rating of A+ from A.M. Best, which indicates that it has a superior ability to meet its financial obligations. Allianz’s long-term creditor rating from A.M. Best is aa-, which means that it also has a superior ability to pay back its long-term debt.
Allianz travel insurance plans may be underwritten by BCS Insurance Company or Jefferson Insurance Company. BCS Insurance Company has an NAIC complaint index of 0.17, while Jefferson Insurance Company has an NAIC complaint index of 0.69. Both of these ratings are under the national average of 1.00, which indicates that they receive fewer complaints than companies of a similar size.
How do I file a claim or get quotes?
You can easily file a claim with Allianz on the company’s website. You will need to select your policy type and provide either your email address or policy number as well as either your departure date or policy purchase date.
Allianz also provides a documentation checklist to see which proofs you must submit. If you don’t have all of the documentation, you can still file your claim and go back at a later time and submit your documents using your Allianz travel insurance login.
Getting Allianz travel insurance quotes is extremely easy on Allianz’s website. You don’t need to enter any personal information. All you need is your age and the state where you reside, your travel dates or the date you want your plan to start, and the total cost of your trip. You will receive quotes for all plans immediately.
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How do I contact Allianz?
Allianz provides a contact form on its website. However, you may also call the Allianz travel insurance phone number at (866) 884-3556. In addition, mail can be sent to Allianz Global Assistance, PO Box 71533, Richmond, VA 23255.
Should I buy Allianz travel insurance?
Many people find travel insurance to be an unnecessary purchase added to an already expensive trip. However, many people experience events and situations that make them wish they had spent the few extra dollars on travel insurance. In addition, the more that you travel, the more likely it is that something will happen with one of your trips where you’ll wish that you had insurance.
Allianz travel insurance is affordable and has a wide variety of coverage levels and options. If you are considering purchasing travel insurance, Allianz should definitely be a contender. However, as we mentioned above, make sure that you always review the coverage details before buying a plan.
If you want to compare travel insurance plans from companies similar to the Allianz travel insurance company, enter your ZIP code into our free quote comparison tool below.
Frequently Asked Questions
What is Allianz Travel Insurance?
Allianz Travel Insurance is a subsidiary of Allianz SE, a multinational insurance company based in Munich, Germany. Allianz Travel Insurance provides a range of travel insurance products to individuals and families traveling domestically or internationally.
How is Allianz Travel Insurance rated?
Allianz Travel Insurance is rated by major credit rating agencies such as AM Best and Standard & Poor’s. The company has a strong financial rating and a reputation for providing quality travel insurance products to its policyholders.
What types of travel insurance products does Allianz Travel Insurance offer?
Allianz Travel Insurance offers a range of travel insurance products, including trip cancellation and interruption insurance, emergency medical and dental insurance, baggage insurance, and rental car damage insurance. The company also provides travel assistance services, such as 24/7 emergency travel assistance and concierge services.
How can I get a quote for Allianz Travel Insurance?
You can get a quote for Allianz Travel Insurance by visiting the company’s website or by calling the customer service number. To get an accurate quote, you’ll need to provide information about your travel plans, such as your destination, travel dates, and the number of travelers.
Is Allianz Travel Insurance a good company?
Allianz Travel Insurance has a strong reputation for providing quality travel insurance products and services to its policyholders. The company has a long history of success and has received high ratings from major credit rating agencies. However, as with all insurance companies, the quality of customer service and claims handling can vary depending on individual experiences. It’s a good idea to read reviews and get recommendations from other travelers before choosing a travel insurance provider.
How can I file a claim with Allianz Travel Insurance?
To file a claim with Allianz Travel Insurance, you’ll need to contact the company’s claims department directly. The claims process typically involves providing information about the policyholder and the claim, such as the reason for the claim and any relevant documentation.