Headquartered in Richmond, Virginia, Allianz Travel offers emergency medical and evacuation travel insurance coverage. The travel insurance provider traces its beginnings to 1950 with ELVIA Travel Insurance in Switzerland. It covers domestic, international, annual travel policies, as well as rental car coverage.
Choose from a wide selection of plans from one-trip insurance plans to different options for an annual plan. Annual plans cover trips up to 360 days long or an unlimited number of trips in a year.
Along with the duration of plans, the company makes few restrictions on the type of trip or travelers covered.
The following types of coverage plans are offered:
Almost any type of global assistance that you are wanting for you next trip will be offered in one of the insurance plans offered at Allianz Travel Insurance.
All of the One Trip plans, including the most basic plan, include trip interruption benefits and reimbursed cancelled flights. Many of them also include lost or damaged luggage benefits. The company provides plans that cover any medical emergency assistance and emergency medical coverage.
On many of the One Trip plans, you can also qualify for emergency medical coverage with a pre-existing medical condition if you meet the following conditions:
The AllTrips designed for annual travel let you choose from trip insurance plans with trip cancellation coverage, lost or stolen luggage, and pre-existing medical coverage if you followed the policy guidelines outlined above.
Filing travel claims through Allianz Travel Insurance is made easier with a system that allows the consumer to file a claim online. The company has a simple system set in place on its website that tells you what documentation you will need in order to be reimbursed.
Even if you do not have all of the required paperwork, you can start the claims process and add the paperwork later. After you have submitted the claim online, it typically takes 7-10 days for the company to review it and for you to receive a refund.
On the OneTrip Prime and Premier plans, kids under 17 are covered for no additional fee if traveling with a parent or grandparent.
Some travel insurers place an age limit on their services and do not offer an insurance policy for a senior citizen. Generally, the age cutoff is at age 65.
Allianz, however, offers coverage no matter your age. This lack of an age limit makes an Allianz travel insurance policy stand out from competitor offerings and advantageous for older adults.
While other top travel insurance providers don't offer a mobile app, Allianz is one of the few that does.
The TravelSmart mobile app offers tools to help keep track of your insurance policy, find local emergency services and medical providers, and gain access to customer service assistance hotline in case of emergency.
The customer service hotline is available 24/7 to provide emergency assistance.
Users have ten days from when the travel insurance plan is purchased to cancel for a refund, as long as the trip hasn't started yet.
Allianz offers a Rental Car Damage Protector plan for just $9 per day. This policy provides primary coverage for collision, loss, and damage up to $40,000.
Residents of New York and Texas must purchase the Rental Car Damage Protector as a separate policy.
The coverage does not cover foreign rental cars in these areas:
Subscribers to the AllTrips plans have this coverage included as a part of their basic coverage.
There are not many customer reviews on BestCompany.com for Allianz Travel insurance. Although conclusions about customer satisfaction are not available, it's promising that the current reviews are mostly positive.
While many travel insurance providers offer add-ons or upgrades to existing standardized policies, these types of addendums aren't a big part of the Allianz plan structure.
Allianz Global does not offer Cancel for Any Reason (CFAR) coverage online. To get this type of coverage you need to talk to their customer service about your options. Typically with Allianz Travel, you only get a payout if your trip is canceled for a covered reason.
While Allianz Global offers several plans to choose from, users are tied into a tiered structure insurance policy without many add-ons or customizations available.
Allianz Travel Insurance offers adventure coverage; however, certain activities are excluded, such as skydiving, caving, skiing or snowboarding in areas outside marked trails, climbing sports, base jumping, etc.
Like all travel insurance providers, Allianz has a pre-existing medical conditions policy and a general exclusion for said conditions within the 120-day lookback period. A waiver is available, but for it to be valid, you have to buy your Allianz policy within 14 days of the first payment for your trip.
While Allianz offers a refund policy, a couple of other travel insurance providers offer an even longer refund policy.
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