Allianz Global Assistance Travel Insurance Review
ConsumersAdvocate.org
Allianz Global Assistance offers a variety of different standard and personalized plans at various benefit levels. Depending on which plan you choose, benefits may include:
- Trip Cancellation
- Trip Interruption
- Cancel anytime, up to 80%: Only available in conjunction with the OneTrip Prime or Premier.
- Emergency Medical Transportation
- Emergency Medical / Dental
- Lost / Stolen / Delayed Baggage
- Travel Delay
- Change Fee Benefit
- Loyalty Program Redeposit Fee Benefit
- Rental Car Damage Benefit
- 24-Hour Hotline Assistance
- Concierge Services
Plan Types
Single trip
Annual (multi-trip) plans
Allianz Global Assistance's opening price point plans include the most common types of coverage purchased by travelers. While it does not have the high coverage limits included with more expensive plans, it does provide pre-existing medical condition coverage. Plan benefits and limits may vary by state.
SINGLE TRIP PLANS
|
Benefits |
OneTrip Cancellation Plus |
One Trip Basic |
OneTrip Prime |
OneTrip Premier |
|
Trip cancellation |
Up to amount purchased |
Up to amount purchased |
Up to amount purchased |
Up to amount purchased |
|
Trip interruption |
Up to amount purchased |
Up to amount purchased |
Up to 150% of amount purchased |
Up to 150% of amount purchased |
|
Trip change protector |
$500 | $1,000 | ||
|
Emergency dental and medical |
|
$10,000 |
$25,000 |
$50,000 |
|
Emergency medical transportation |
|
$50,000 |
$500,000 |
$1,000,000 |
|
Baggage benefits |
|
$500 |
$1,000 |
$2,000 |
|
Baggage delay benefits |
|
$200 |
$300 |
$600 |
|
Travel/ trip delay coverage |
$150 |
$300 |
$800 |
$1,600 |
|
Daily limit |
|
$150 |
$200 |
$200 |
|
Existing medical condition waiver* |
|
|
Covered |
Covered |
* Must be purchased within 14 days of the first trip deposit; additional conditions may apply.
Annual (Multi-Trip) Plans
|
AllTrips Prime |
AllTrips Executive |
AllTrips Premier |
|
|
Trip cancellation / interruption (per person, per policy year) |
$3,000 |
$5,000; $7,500; $10,000 |
$2,000; $5,000; $7,500; $10,000 (per year for all insureds in the same household) |
|
Emergency medical and dental |
$20,000 |
$50,000 |
$50,000 |
|
Emergency medical transportation |
$100,000 |
$250,000 |
$500,000 |
|
Baggage benefits |
$1,000 |
$1,000 |
$2,000 |
|
Baggage delay benefits |
$200 |
$1,000 |
$2,000 |
|
Travel/ trip delay benefits |
$600 |
$1,600 |
$1,500 |
|
Daily limit |
$200 |
$200 |
$300 |
|
Change fee benefit |
$500 |
||
|
Loyalty program redeposit fee coverage |
$500 |
||
|
Travel accident benefit |
$25,000 |
$50,000 |
$50,000 |
|
Business equipment benefit |
$1,000 |
||
|
Business equipment rental benefit |
$1,000 |
||
|
Collision/ loss damage insurance (per trip for all insureds) |
$45,000 |
$45,000 |
$45,000 |
Optional: Rental Car Damage ($11/ day)
Coverage for covered collision, loss and damage up to $50,000
Benefits
Allianz Global Assistance has a wide array of standard and optional benefits so travelers can get the specific protection they need. Pre-existing conditions are covered under the company's medical provisions if the plan is purchased within 14 days of travel. Allianz Global Assistance also offers 24-hour emergency assistance and concierge services.
- Complete cessation of service
- Covered traveled delay – loss of 50%
- Death of Family Member
- Death of insured
- Death of travelling companion
- Employer termination – 3 years
- Felonious assault
- Foreign and domestic terrorism
- Hijacking
- Home uninhabitable
- Illness of family member
- Illness of insured
- Illness of travelling companion
- Injury of family member
- Injury of insured
- Injury of travelling companion
- Involved in a traffic accident
- Jury/ subpoena
- Military obligations
- Quarantine
- Unable to receive immunizations
Allianz Travel Insurance Summary
Allianz opening price point plans offer travelers the most commonly purchased coverage options. Trip cancellation and interruption services are offered even under its OneTrip Cancellation Plus, the company's entry level offering. Trips are insured up to their full purchase price. The company extends protection to children under 17 when accompanied by a paying adult with no additional cost on their OneTrip Prime and OneTrip Premier plans.
Allianz offers customers a full refund if coverage is cancelled within fifteen days of purchase.
Customer Comments
- Trip cancelations, delays, medical emergencies, lost baggage, unexpected crises, and more
-
Access to a worldwide network of prescreened hospitals
-
Quick claim payments for qualifying delays
-
24-7 emergency assistance services
