Allianz travel Insurance Review & Ratings (2024)
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.
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Allianz Travel Insurance
Average Monthly Rate For Good Drivers
$112A.M. Best Rating:
A+Complaint Level:
LowPros
- Diverse coverage options suitable for different travel needs.
- Competitive rates within the industry.
- Strong financial strength rating.
Cons
- Mixed customer reviews regarding coverage limitations.
- Potential variability in coverage experience depending on individual circumstances.
In conclusion, this comprehensive guide on Allianz travel insurance serves as a valuable resource for travelers seeking protection and peace of mind during their journeys. Exploring the array of coverage options, including Onetrip and Alltrips plans, sheds light on the diverse features available to safeguard trips against unforeseen events such as trip cancellations, medical emergencies, and baggage issues.
The breakdown of costs, influenced by factors like trip specifics and coverage needs, offers insights into how rates are determined, while the discussion on discounts and eligibility criteria helps travelers understand potential savings.
Overall, this guide equips readers with essential knowledge to navigate through Allianz’s offerings, empowering them to make informed decisions when choosing travel insurance tailored to their individual needs.
What You Should Know About Allianz
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.
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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 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.
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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.
Allianz Insurance Coverage Options
Embarking on a journey, whether near or far, requires comprehensive protection to ensure peace of mind throughout your travels. Allianz travel insurance offers a range of coverage options designed to safeguard you against unforeseen circumstances.
Understanding these coverage options empowers travelers to choose plans tailored to their specific needs. Let’s delve into the array of protection Allianz provides for your travel adventures.
- Trip Cancellation: Reimburses non-refundable trip expenses if you need to cancel your trip for covered reasons such as illness, injury, or severe weather.
- Trip Interruption: Covers additional expenses if your trip is interrupted or cut short due to covered reasons, reimbursing unused portions of the trip and additional expenses for returning home.
- Emergency Medical and Dental Coverage: Covers emergency medical and dental expenses incurred during your trip, including hospital stays, surgeries, and prescriptions.
- Emergency Medical Transportation: Provides coverage for medically necessary transportation to the nearest suitable medical facility in case of a medical emergency.
- Travel Delay: Reimburses additional expenses incurred due to travel delays, such as accommodation, meals, and transportation.
- Baggage Loss/Delay: Covers expenses for lost, stolen, or damaged baggage. It also provides reimbursement for essential items in case of baggage delay.
- Rental Car Damage: Offers coverage for damage to a rental car while you are driving it during your trip.
- 24/7 Travel Assistance Services: Provides access to 24/7 assistance services for emergencies, medical referrals, travel information, and more.
- Cancel for Any Reason (CFAR) Coverage: Optional coverage allowing travelers to cancel their trip for any reason not covered under standard cancellation policies, with certain conditions and limitations.
- Coverage for Pre-Existing Conditions: Some plans might include coverage for pre-existing medical conditions if certain conditions are met.
- Accidental Death and Dismemberment: Offers a benefit in case of accidental death or loss of limb during the trip.
- Business Equipment Coverage: Specifically included in plans tailored for business travelers, covering loss, theft, or damage to business-related equipment during the trip.
Allianz travel insurance offers comprehensive solutions to safeguard your travels. Exploring and selecting the coverage options that align with your travel needs ensures you’re prepared for any unforeseen events. Connect with us today to discover how Allianz can tailor a coverage plan that suits your travel aspirations.
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
| 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:
Allianz AllTrips Travel Insurance Plans Comparison
| 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 |
Read more: Best Business Insurance for Concierge Services
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.
Allianz Insurance Rates Breakdown
Rates for Allianz travel insurance plans can vary based on several factors, and the criteria influencing these rates might differ from other types of insurance like auto or health insurance. Here’s an overview:
- Trip Cost: The cost of your trip is a primary factor in determining the insurance premium. Typically, the higher the trip cost, the higher the insurance rate as it reflects the potential expenses to be covered in case of cancellation, interruption, or other mishaps.
- Travel Duration: The length of your trip can impact the insurance premium. Longer trips might entail higher risks and therefore lead to higher premiums compared to shorter ones.
- Age: Age can affect the insurance rate, especially for comprehensive or annual policies. Typically, older travelers might face higher premiums due to increased health risks or potential for medical emergencies.
- Coverage Type and Limits: Different coverage types and their corresponding limits (like medical coverage, trip cancellation, baggage loss, etc.) will influence the premium. More comprehensive coverage and higher limits may result in higher premiums.
- Destination: The destination of travel can impact the premium. Travel to certain regions or countries with higher health risks, political instability, or higher costs of healthcare may result in higher premiums.
- Discounts and Special Offers: As mentioned earlier, discounts based on early booking, family/group policies, online purchases, and affiliations can impact the final premium amount, potentially reducing the overall cost.
As you plan your travels and consider securing reliable travel insurance, understanding the breakdown of insurance rates becomes essential. Factors like age, trip duration, destination, and coverage type play pivotal roles in determining the cost of your insurance plan. While age, trip specifics, and coverage needs influence rates, factors like gender and driving record typically do not affect travel insurance pricing.
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Allianz Discounts Available
Allianz Travel Insurance occasionally offered discounts and promotions to make their insurance plans more affordable. However, these discounts can vary based on specific circumstances, time of purchase, and promotional periods. Here are some common discounts or scenarios where discounts might apply:
- Early Booking Discount: Policyholders who purchase their travel insurance shortly after booking their trip may be eligible for an early booking discount.
- Family/Group Discounts: Allianz often provides discounts for families or groups purchasing travel insurance together. This could include reduced rates for children or group policies for multiple travelers.
- Membership or Affiliation Discounts: Discounts may be available for members of certain organizations, clubs, or affiliations. These could include loyalty programs, professional associations, or alumni groups.
- Senior Citizen Discounts: Special discounts might be offered to senior citizens, typically those aged 65 or older, to encourage them to secure travel insurance for their trips.
- Multi-Trip Policies: Policyholders opting for annual multi-trip policies instead of single-trip plans may receive discounted rates for the convenience of continuous coverage throughout the year.
- Online Purchase Discount: Some insurers offer discounts to customers who purchase their policies online through the company’s website or app, promoting digital transactions.
Exploring the world with peace of mind is easier with Allianz travel insurance, which offers a range of discounts to make your coverage more affordable. From early booking incentives to family/group discounts and special rates for senior citizens, Allianz aims to provide tailored options for various travelers.
Seamless Claims Process With Allianz travel Insurance
Ease of Filing a Claim
Allianz travel Insurance offers a hassle-free claims process, allowing policyholders to file claims conveniently through various channels. Whether you prefer online submissions, phone calls, or mobile apps, Allianz ensures a user-friendly experience. This accessibility enhances customer satisfaction, providing flexibility to meet diverse needs.
Average Claim Processing Time
Allianz travel Insurance boasts efficient claim processing, prioritizing timely resolutions for policyholders. While specific processing times may vary based on individual cases, the company’s commitment to swift responses minimizes inconvenience during unexpected situations. Quick claim settlements contribute significantly to customer trust and overall satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is essential in evaluating the effectiveness of any insurance provider. Allianz travel Insurance values customer opinions on claim resolutions and payouts. While experiences may differ, understanding these reviews aids potential customers in making informed decisions.
Positive feedback highlights the company’s reliability, while constructive criticism helps in continual improvements, ensuring a customer-centric approach.
Unleashing Innovation With Allianz travel Insurance Digital and Technological Features
Mobile App Features and Functionality
Allianz travel Insurance offers a feature-rich mobile app, empowering users with convenient access to policy details, claims submissions, and assistance services. The app’s intuitive interface simplifies navigation, ensuring users can manage their insurance needs on the go. From policy information to emergency support, the app provides a comprehensive digital solution.
Online Account Management Capabilities
Allianz’s online account management platform delivers seamless interactions for policyholders. Through secure logins, users can access policy documents, update personal information, and track claims. This digital hub enhances transparency, allowing customers to stay informed about their coverage and manage their accounts efficiently.
Digital Tools and Resources
In addition to the mobile app and online account management, Allianz travel Insurance offers various digital tools and resources. These may include informative articles, travel guides, and interactive tools helping customers understand their coverage better.
By providing educational resources, Allianz ensures policyholders are well-informed, promoting responsible travel decisions and enhancing overall customer satisfaction.
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How Allianz Ranks Among Providers
As travelers seek reliable protection and peace of mind during their journeys, numerous insurance providers compete in the dynamic landscape of travel insurance. Alongside Allianz, several noteworthy competitors stand out, each offering a diverse array of coverage options and services tailored to meet travelers’ varying needs.
- AIG Travel Guard: AIG offers a wide range of travel insurance plans catering to different travel needs, including trip cancellation, emergency medical coverage, baggage protection, and more. They focus on providing comprehensive coverage and assistance services for travelers.
- Travelex Insurance Services: Travelex offers various travel insurance plans with customizable options, including trip cancellation, emergency medical coverage, and 24/7 travel assistance. They are known for their flexibility in coverage and providing tailored solutions for different types of travelers.
- AXA Assistance USA: AXA provides travel insurance plans covering trip cancellation, emergency medical needs, travel delay, and baggage protection. They emphasize customer service and offer diverse options for various travel scenarios.
- World Nomads: World Nomads caters to adventurous travelers, offering specialized travel insurance covering activities such as hiking, extreme sports, and remote locations. They focus on providing coverage for unique travel experiences.
- Generali Global Assistance: Formerly CSA Travel Protection, Generali Global Assistance offers travel insurance plans covering trip cancellation, emergency medical needs, and other travel-related emergencies. They provide various coverage options for different travel situations.
- Travel Insured International: Travel Insured International provides a range of travel insurance plans covering trip cancellation, emergency medical expenses, travel delay, and baggage protection. They offer customizable options to suit different travel preferences.
Choosing the right travel insurance provider is crucial in ensuring comprehensive coverage and support throughout your adventures. From AIG Travel Guard’s comprehensive plans to Travelex’s customizable options and AXA Assistance’s emphasis on customer service, these competitors alongside Allianz cater to diverse travel needs.
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.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.