Allianz Travel Insurance Review

Allianz travel insurance combines strong medical coverage, top-tier service and flexible plan options across three coverage tiers. The Basic plan starts at $98 for a 7-day, $2,500 trip for a 30-year-old traveler, while Prime and Premier tiers offer progressively higher coverage limits. Allianz earned a 91 MoneyGeek score, with perfect marks in service and financial stability.

We evaluated Allianz across affordability, coverage strength, financial stability, and service and claims performance using our internal scoring model.

Allianz ranks near the top among reviewed providers, especially in service and financial stability.

Allianz works well for travelers prioritizing emergency medical and evacuation coverage, those taking multiple international trips annually and anyone seeking epidemic coverage in standard plans. The company's perfect service and stability scores make it reliable for travelers who value support during emergencies. Cancel Anytime provides flexible cancellation rights beyond standard trip cancellation coverage.

Seniors will find better pricing elsewhere, as Allianz premiums increase substantially with age. Travelers specifically wanting traditional Cancel For Any Reason coverage should note Allianz only offers Cancel Anytime as an alternative. Those planning high-value trips should compare Premier-tier alternatives, as Allianz's top tier costs more for trips over $10,000. Before committing to any plan, consider whether travel insurance makes sense for your trip.

MoneyGeek analyzed multiple Allianz quotes for different ages, trip values, destinations and durations. Pricing varies primarily by age, trip cost and coverage tier rather than destination.

Age impacts Allianz premiums. For a $2,500, 7-day trip, a 30-year-old pays $98 to $184 depending on plan tier, while a 65-year-old pays $155 to $291 for identical coverage. This represents a 40% to 60% increase between ages 30 and 65. Higher trip costs also increase premiums proportionally.  For example, a $10,000 trip costs $417 for Basic coverage compared with $98 for a $2,500 trip.

Frequent travelers save with annual plans, which cover multiple trips within one year:

Annual plans include trip interruption, trip delay, baggage protection, and emergency medical coverage for each trip. These plans work best for travelers taking three or more international trips annually.

Allianz offers an Emergency Medical Plan for $46 (age 30, 7-day international trip) that includes emergency medical coverage, medical evacuation, limited baggage benefits, and 24-hour assistance. Cancel Anytime adds $54 to $270 to Prime and Premier plans, depending on trip cost, age, and destination.

Travel insurance coverage varies by provider and plan tier. Allianz offers single-trip plans, annual multi-trip plans, and a medical-only plan.

SmartBenefits provides a fixed payment of $100 per insured person, per day for eligible delays without submitting receipts. You receive this payment automatically if your covered travel delay occurs on a flight monitored by Allianz Global Assistance.

All three plan tiers include pre-existing condition coverage when you meet these requirements:

• Purchase your policy within 14 days of making your first trip payment
• Insure the full non-refundable trip cost
• Remain a U.S. resident
• Are medically able to travel on the purchase date

Timing matters when buying travel insurance, especially if you need pre-existing condition coverage. A pre-existing medical condition is defined as any injury, illness or medical condition that within 120 days prior to purchase caused you to seek medical care, presented symptoms or required prescribed medication.

Allianz offers optional upgrades and included services with all plans:

Key add-on details:

• Cancel Anytime reimburses 80% of lost non-refundable trip costs for almost any unforeseeable reason
• Rental Car Protector provides primary collision and loss damage coverage for rental cars
• 24-hour assistance includes help finding medical care abroad, coordinating evacuations, rebooking flights and assisting with lost or stolen travel documents

Allianz maintains strong financial stability with an A+ rating from AM Best and a complaint ratio below industry averages.

Allianz maintains strong financial stability with an A+ rating from AM Best, indicating excellent ability to meet ongoing insurance obligations. The company's complaint ratio falls below industry averages according to state insurance department metrics.

Allianz earned a perfect 100 score in MoneyGeek's service and claims category. Travelers can reach Allianz's 24-hour support line from anywhere in the world for help with medical emergencies, travel disruptions, or claims questions. The online claims portal allows convenient filing with document uploads from your destination or after returning home.

Allianz excludes several situations and incidents from coverage. Review these exclusions carefully before purchasing.

Learn more about travel insurance pregnancy coverage options from other providers.

File claims through Allianz's online portal or 24-hour hotline with these required documents:

Claims processing timeline:

1. Report claims as soon as possible after incidents occur
2. Most straightforward claims process within 10 business days
3. Complex claims involving international medical treatment, multiple benefits or extensive documentation take longer
4. You'll receive an email if examiners need additional information

Allianz competes closely with other top-rated travel insurance providers:

Allianz vs. World Nomads

• World Nomads scores 2 points higher overall (93 vs. 91) with superior affordability (98 vs. 86)
• World Nomads excels for adventure travelers with 250+ activities covered at no extra cost
• World Nomads offers age-neutral pricing that benefits seniors
• Allianz earns perfect 100 for service and claims vs. World Nomads' 89
• Allianz offers stronger medical evacuation coverage (up to $1 million on Premier plans)

Allianz vs. Generali

• Generali scores 1 point higher overall (92 vs. 91) with better affordability (94 vs. 86)
• Generali provides more competitive pricing across all age groups
• Allianz's perfect stability rating (100) and claims performance (100 vs. 89) edge out Generali
• Generali offers more flexible CFAR options vs. Allianz's Cancel Anytime only

Allianz vs. IMG

• IMG ties Allianz's overall score (91) but earns highest coverage score (95)
• IMG excels in policy customization with specialized plans for long-term travelers, expatriates and students
• Allianz provides simpler plan selection with three clear tiers
• Allianz scores higher for affordability (86 vs. 83)
• Allianz's perfect service and claims score (100) exceeds IMG's 95

Allianz vs. Travel Guard

• Travel Guard ties Allianz's overall score (91) with slightly better affordability (88 vs. 86)
• Travel Guard excels in cruise coverage with specialized benefits
• Allianz's perfect service and claims score (100) edges Travel Guard's 98
• Allianz's SmartBenefits feature differentiates it from Travel Guard's standard delay reimbursement