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Allianz Global Assistance Travel Insurance Review
Allianz Global Assistance Travel Insurance Review
ConsumersAdvocate.org
56 Customer Reviews - see all comments
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Allianz Global Assistance is the world's largest travel insurance company and provides concierge services, corporate assistance, and specialty insurance solutions for a host of travel-related problems.
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As a subsidiary of one of the world’s largest diversified insurance companies, Allianz Global Assistance products and services are supported by over 100 years of industry experience and superior financial strength.
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.
- 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
Latest Allianz Global Assistance Reviews
Don’t buy travel insurance from this company--you are wasting your money. We spent over $900 on travel insurance for two people but weren’t covered for anything when our travel agency went bankrupt half way through our trip. If you read the fine print (which I will explain more of below), Allianz travel insurance ends up being useless and essentially a scam. After you “choose” a plan and spend time providing detailed information about yourself and trip, you receive an intentionally misleading email and policy card. Both show a list of various coverages, such as “Trip Interruption”, “Lost/Stolen Baggage”, etc., which fool you into believing you are protected from common travel mishaps.... Read More
We cancelled a trip after purchasing this insurance. Completing 17 pages including 5 by our physician. Our claim was denied. It seems there are so many exclusions to this policy you would need to be dead to make a claim. Do not purchase this insurance until you read the detailed exclusions. We unfortunately did not. We have always purchased insurance with other carriers and never used it. I know the last policy from a different carrier had no exclusions. Shame on you Allianz Travel.
I had and still having a horrible experience with Allianz Global Insurance. I have been traveling to South America for the last 25 years twice a year. Every time I travel I purchase the insurance with Allianz because my medical insurance does not cover out of network. Last year I got very sick and was hospitalized for 5 days, the expenses were a little bit over $5,000 and I called Allianz on the 3rd day I was hospitalized. I was told to pay the bill on my own and that once I got to NY/USA to submit the claim and I would be refund for the expenses. It is going to be a year so far and they still reviewing my case. I have submitted the whole medical record from the 5 days I was... Read More
Allianz was terrible to work with. I had to cancel due to a required surgery. It took them 6 months, many phone calls, numerous forms, and they paid less than half of what was insured. It was rare that hold time to talk to someone in Asia was less than 20 minutes.
Do not buy Allianz Travel Insurance. I cancelled for non medical reason with documentation and no reimbursement! Buy from someone else. They are a waste of time and money!
Allianz travel coverage is a joke, DO NOT BUY!!! My parents booked a flight to come to see me. My Mom works for a small town as the Treasurer. As the trip time got closer, the town decided that the vacation they had approved had to be reversed because of budget problems and deadlines for the town fiscal year end. We got a letter from the board stating the facts, and got all the information together to submit a claim. (this in itself was a huge pain) They wouldn't pay the lose of the tickets because it didn't fit their criteria. I guess choosing to keep job and not get fired is not a good reason to cancel a trip. The only things they cover work related are: getting fired, getting... Read More
I purchased flight insurance from Allianz. My sister is hospitalized with Leukemia and complications often arise which make it uncertain when I can visit her. She contracted pneumonia so I canceled my flight, wanting to reschedule as soon as she gained strength. I asked the insurance comany to cover the penalty fee incurred from the airline, $250.00 When I called Allianz, I was told my sister's cancer was a PREEXISTING condition and they would not pay the penalty cancellation fee on a preexisting condition. He then said, "You knew your sister had cancer before you purchased your ticket." DO NOT BUY TRAVEL INSURANCE FROM ALLIANZ. Not only do they refuse to pay, they also insult and... Read More
I would NEVER USE THIS COMPANY AGAIN. They did not explain properly what you needed in regards to proof of claim. It took about 5 phone calls to figure it out. Then, I was denied because they don't cover my medical condition. NEVER AGAIN WOULD I USE THEM. AND IT TOOK 5 WEEKS FOR THEM TO TELL ME.
We bought travel insurance prior to a 6 week trip to Indonesia. We are Sr citizens (age 71 and 68). During our time in Bali my husband had to go to the hospital. We filed our claim upon return 5/24. We received our reimbusement within 2 weeks for our medical expenses.
I am so grateful we decided to buy travel insurance and I definitely would recommend Alliance.
I had to cancel a trip for medical issues and after sending the appropriate paperwork they promptly paid.
BUYERS BEWARE!! When we ordered the Premier Plan, we read that it covered medical treatment and trip cancellation which is what we had concerns with moderate/severe allergies and asthma. When we had to cancel the trip at the recommendation of our doctor for other health reasons we felt reassured that we could recover the cost of the trip to use toward a future trip due to what we thought was amazing travel insurance. Our policy states: "1. You or a traveling companion becomes ill or injured, or develops a medical condition. The following conditions apply: a. The illness, injury, or medical condition must be disabling enough to make a reasonable person cancel their trip; and b. A... Read More
Due to my horrible experience I cannot recommend Allianz Global Insurance. My travel was interrupted due to a major natural disaster. I immediately called customer service and was told not to worry and was explained all the benefits I would receive. I spent the next 12 months speaking to dozens of representatives and submitting reams of requested paperwork. Every time I spoke with someone I received a different answer. I was asked to resubmit documents that I had already submitted several times. All of this was logged is their online document upload program but they still requested additional documentation. After one year of this nightmare I was told my claim was denied. I had to... Read More
Is there a way to give negative stars? Don't buy travel insurance! And if you do, don't actually expect help from any one at this company. There goal is to make you give up, make it so hard to get a refund that eventually you just give up!
DO NOT BUY THIS INSURANCE!!!! We bought this travel insurance to cover a trip to Barcelona cruising the Mediterranean. Had never bought trip insurance before, but decided our financial risk on this trip warranted being insured against the unexpected. We did not read any of the reviews on this company, UNTIL as luck would have it, we needed to file a claim. SHAME ON US!! Once we read the reviews, we knew we were in trouble. They pay very FEW claims. Our claim was approved, however. Great you say? Not so fast. Their conditions are so specific that you are better off traveling without this insurance. Our claim was for trip delay, missed connection and ultimately cancellation of... Read More
I am the customer of it and at the same time a victim of irresponsibility, unjust .
DO NOT TRUST THIS UNSURED COMPANY,
They just want to get your pockket.
My Flight was delay 2 hours 30 minutes was not compensated.
So rediculous!
Waste of money. Bought tickets to the Dominican Republic and months after purchasing 11 Americans have died at various resorts and just wanted my money back for flights & was denied stating the travel advisory hasn't been issued yet. If they are waiting for a travel advisory I can just cancel through the airline for free without having to pay for Allianz. Policy is extremely limited and obviously have no concern for safety of their customers. Asked customer service for an example of when they would payout vs when an airline wouldn't and he could not come up with 1 single example. Took them 2.5 weeks to look over a single claim, and when I received an email from them stating the claim had... Read More
It is too early to know if they will compensate appropriately as per our travel agent's comments and our insurance documents, but I do know this: The customer service is terrible. After my husband had two surgeries in 2 weeks, we found that we would not find it safe to travel in two months on a Viking cruise. Two surgeons agreed with that. The claim forms were sent to me quickly; but I noticed soon that there was a list of about 25 separate documents they "required" before the claim could be completed. One of the items listed was "police report" or "letter regarding employment status." So I called the customer service number and could only reach prompts--not real person. Tried... Read More
Allianz was just another lost expense for me from a cancelled trip from the US to Portugal and Spain. I purchased the policy well before Covid-19, in November 2019. Allianz now says they will not pay claims due to cancellations based on Covid and I do not qualify for a refund. Travel insurance was purchased to cover me in this exact type of situation and they totally failed. My advice is don't waste your money on Allianz, the cost will be noting more than another lost expense if your trip has problems.
We purchased insurance for a cruise that was booked a year in advance. After we had arrived in Florida, we were notified that our cruise (that was supposed to leave the next day) was cancelled. Allianz would not even refund the cost of the insurance, let alone help with any of the hotel/rental car/reschedule of flight costs. We paid for travel insurance for a trip that was cancelled on us and received nothing - they are useless. Bare minimum Allianz should have refunded the cost of the un-usable travel insurance. I will not purchase from them again, and would not recommend them to anyone.
Ron C Yesterday, I was informed that my insurance policy with Allianz did not cover a trip cancellation due to my wife's medical condition. We supplied doctor's statements and demonstrated that our booking was appropriately paid for; there being no malfeasance or attempt at fraud. Nevertheless, after a two month ordeal of supplying additional supporting documentation, Allianz refused to approve our claim. I am very unhappy with Allianz and plan to initiate a legal lawsuit to recover both my booking fees and the cost of the insurance policy Allianz sold us. By the way, they have denied my claim, but they want to keep the remittance I made to pay for their policy. Right now, I... Read More
Warning....Do not do business with Allianz. This company is as close to a scam as it could be. I'm sure they occasionally pay a claim, just to get a good review now and then, but in my opinion they are operating a well oiled scam. Months have gone by without a word from them. I only get the status of my claim if I ask, and it's always the same response...."they need the documentation." I've sent everything they asked for 4 times now. I think they just discard it. If I could, I'd give then a zero...or a negative number.
Denny Lowe
San Diego, CA
OVER-RATED! We bought (before COVID-19 was a "thing" in the US) a policy to cover travel to the NYC area for a cruise. The cruise was cancelled, so I called to inquire about a possible airfare refund. The rep suggested we submit the question online, which we did. Our question--which had now officially become a "claim"--was denied. (We did get an e-credit from the airline.) We then requested a refund of our premium in accordance with the EXACT verbiage on Allianz's COVID-19 FAQ page ("...as long as a PAYABLE claim has not been file..."). However, we were told that ANY claim is cause for refusal for a refund--(and that ANY question like our original inquiry MUST be formally submitted. I'm... Read More
THEY NEVER EXPLAIN ANYTHING CLEARLY ( IT SEEMS EVERYBODY OTHER THAN SALES ) TO HAVE A VERY NON UNDERSTANDABLE ACCENT ! NEVER GET AN ANSWER THAT IS PRECISE !
I obtained a policy from Allianz, however when I requested a copy of the exclusions, (because of a claim that was denied) they completely ignored my request. They are very unprofessional
Get the insurance directly from the car rental company next time.
The process with allianz will take forever and they may try to nickle and dime you so you don't get full coverage.
Don't bother reading the policy, it won't help to understand what is covered.