Allianz Travel Insurance (2022)

Allianz travel insurance includes plans for single trips and people who often travel, called OneTrip plans and AllTrips plans. Each plan has different features and coverage levels, so choosing a plan that meets your exact needs is easy. In addition, Allianz's travel insurance rates are right in line with industry averages. Therefore, you can be sure you're not overpaying for coverage.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 9950 Mayland Drive
City: Richmond
State: VA
ZIP Code: 23233
Year Founded: 1890
AM Best Rating: A+

Allianz travel insurance is provided by Allianz Global Assistance and underwriting partners, depending on which state you live in. There are plenty of Allianz travel insurance plans to choose from based on your trip, how often you travel, and what kinds of coverage you want.

Read our full Allianz travel insurance review below to learn more about each Allianz plan and what it covers, how much the plans cost, how Allianz is rated compared to other companies, and more.

If you’re unable to find affordable Allianz travel insurance rates, enter your ZIP code into our free quote comparison tool above to compare travel insurance rates from multiple companies at once.

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:

Allianz OneTrip Travel Insurance Plans Comparison
FeatureOneTrip Cancellation PlusOneTrip BasicOneTrip PrimeOneTrip PremierOneTrip Emergency Medical
Trip Cancellation$5,000$10,000$100,000$100,000N/A
Trip Interruption$5,000$10,000$150,000$150,000N/A
Emergency MedicalN/A$10,000$25,000$50,000$50,000
Emergency Medical TransportationN/A$50,000$500,000$1,000,000$250,000
Baggage Loss or DamageN/A$500$1,000$2,000$2,000
Baggage DelayN/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 AccidentN/AN/AN/AN/A$10,000
SmartBenefitsN/AN/A$100$100N/A
Change Fee CoverageN/AN/A$500$500N/A
Loyalty Program Redeposit Fee CoverageN/AN/A$500$500N/A
24-Hour Hotline AssistanceIncludedIncludedIncludedIncludedIncluded
ConciergeN/AN/AIncludedIncludedIncluded
Rental Car Damage ProtectorN/AN/AOptionalOptionalN/A
Required to WorkN/AN/AOptionalN/AN/A
Pre-Existing Medical ConditionN/AAvailableAvailableAvailableAvailable
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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:

Allianz AllTrips Travel Insurance Plans Comparison
FeatureAllTrips BasicAllTrips PrimeAllTrips ExecutiveAllTrips Premier
Trip CancellationN/A$3,000$5,000 / $7,500 / $10,000$2,000 / $5,000 / $10,000 / $15,000
Trip InterruptionN/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 CoverageN/AN/A$1,000N/A
Business Equipment Rental CoverageN/AN/A$1,000N/A
Change Fee CoverageN/AN/A$500N/A
Loyalty Program Redeposit Fee CoverageN/AN/A$500N/A
24-Hour Hotline AssistanceIncludedIncludedIncludedIncluded
ConciergeIncludedIncludedIncludedIncluded
Rental Car Damage and Theft$45,000$45,000$45,000$45,000
Pre-Existing Medical ConditionN/AAvailableAvailableAvailable
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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.

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