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 is a good fit for travelers who want strong emergency medical and evacuation coverage, take several international trips a year or want epidemic coverage included without purchasing an add-on. The service and stability scores are high, which is relevant for travelers who need reliable assistance when a trip changes or a medical emergency comes up. The Cancel Anytime feature lets you cancel for reasons that don't qualify under traditional trip cancellation terms.

Pricing is less competitive for older travelers. Premiums increase steadily with age. Allianz doesn't offer traditional Cancel For Any Reason coverage; Cancel Anytime is the substitute. For expensive trips, Premier-level plans from other providers may be worth comparing, since Allianz's top tier becomes less cost-effective above $10,000 in trip cost. Before committing, review 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 is a significant pricing factor. For a $2,500 seven-day trip, a 30-year-old pays $98 to $184 depending on plan tier. A 65-year-old pays $155 to $291 for the same coverage, which is a 40% to 60% increase. Trip cost also affects premiums directly, at basic coverage for a $10,000 trip is $417, compared to $98 for a $2,500 trip.

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

Annual plans cover trip interruption, trip delay, baggage and emergency medical on each trip. The format is most cost-effective for travelers taking three or more international trips a year.

The Emergency Medical Plan is $46 for a 30-year-old on a seven-day international trip. It 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 has single-trip plans, annual multi-trip plans and a medical-only plan.

SmartBenefits pays $100 per insured person per day for eligible delays with no receipt submission required. The payment is automatic when the covered delay is on a flight monitored by Allianz Global Assistance.

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

• Purchase your policy within 14 days of your first trip payment
• Insure the full non-refundable trip cost
• Be a U.S. resident
• Be 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 has an A+ rating from AM Best and a complaint ratio below industry averages per state insurance department metrics. It earned a perfect 100 in MoneyGeek's service and claims category.

A 24-hour support line is available worldwide for medical emergencies, travel disruptions and claims questions. The online claims portal accepts document uploads from your destination or after you return 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 an incident.
2. Straightforward claims are typically resolved within 10 business days.
3. Complex claims (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 two points higher overall (93 vs. 91) with a stronger affordability score (98 vs. 86)
• World Nomads covers 250-plus activities at no extra cost, so it's a better fit for adventure travelers
• World Nomads uses age-neutral pricing, which benefits seniors
• Allianz scores a perfect 100 for service and claims; World Nomads scores 89
• Allianz has higher medical evacuation limits, for 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