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While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. You're away from home and what if something happens to you or your luggage or you need to cancel at the last minute because of weather or a personal emergency?
That's where travel insurance can help. One option is through Allianz Allianz Travel Insurance Global Assistance, a prominent leader in the travel insurance space that has been around in some form since 1890. Its Munich-based parent company, Allianz SE, has 155,000 employees across the globe. Allianz travel insurance serves over 55 million travelers in more than 70 countries each year, and it has a wide variety of plans and coverage options to choose from.
Allianz Travel Insurance
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The Bottom Line:Â This is good coverage for the frequent business traveler – especially for those going overseas. Nice high baggage coverage and some extra business traveler benefits make this a good all-round business travel plan at an affordable annual price.
If you travel frequently for pleasure or business, our annual plans make life a little easier by protecting an entire year’s worth of trips with one plan. We offer several options to suit various needs and budgets, each providing 365 days of international and domestic coverage. With the exception of the Medical Evacuation plan, our annual plans all include rental car damage protection.
Considering buying annual travel insurance in case your trips are affected by COVID-19? We are currently offering certain temporary claim accommodations if you, a traveling companion, or your family member becomes ill with COVID-19. Also, our AllTrips travel insurance plans now include the Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. [Benefits vary by plan and are not available in all jurisdictions]. To see if your plan includes this endorsement and what it covers, please look for "Epidemic Coverage Endorsement" on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply. Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.
AllTrips Basic
The AllTrips Basic plan is designed for the traveler who doesn’t need trip cancellation protection but still wants to feel safe while on the go. For an entire year, it can give you emergency medical care and emergency medical transportation protection while traveling—which is critical overseas where your personal health insurance may not work. Other benefits include trip delay protection, baggage coverage, rental car insurance, and a 24/7 assistance hotline to help with travel-related emergencies.
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AllTrips Prime Plan
Our AllTrips Prime plan gives you affordable protection for a full year worth of trips, including coverage for trip cancellation [$3,000 annual maximum] and interruption; emergency medical; lost, stolen or delayed baggage; and even rental car collision/loss damage insurance.
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AllTrips Executive Plan
Our AllTrips Executive plan is suitable for the frequent business traveler who is interested in higher trip cancellation and interruption limits [tiered levels up to $10,000 annual maximum]; lost, stolen or delayed baggage; and business equipment rental coverage.
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AllTrips Premier Plan
Our AllTrips Premier plan provides the amenities of an entire year of worldwide travel protection and concierge service. One policy covers you and your household, whether you’re traveling separately or together. Three levels of annual trip cancellation are offered up to a maximum of $15,000.
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Annual Travel Insurance Resources
Does your passport have more ink than David Beckham's arms? Can you fit a week's worth of clothes into a carry-on and still look like a million bucks? You'll enjoy these resources for frequent travelers, including advice on annual travel insurance.
Missed your flight? Lost your bags? Caught a stomach bug? No problem. You don't have to worry if you're covered by the OneTrip Prime Plan, one of the best travel insurance plans for international travelers.
The OneTrip Prime Plan is like your favorite weather-proof jacket — the one you always pack in your suitcase, whatever your destination. It provides an extra layer of protection from any storm that comes your way. And it's big enough to share: The OneTrip Prime Plan covers kids 17 and under for free when traveling with a parent or grandparent [not available on policies issued to Pennsylvania residents]. Here's an in-depth look at the OneTrip Prime Plan, as part of Allianz Global Assistance's series of travel insurance reviews.
The OneTrip Prime Plan Travel Insurance Review: Here's What You Get
A lot can go wrong when you're traveling, from small annoyances like losing your bag to major disasters like a medical issue. The OneTrip Prime Plan is designed to protect travelers from the most common travel mishaps. Most importantly, it includes:
- Trip cancellation and interruption protection: This coverage can reimburse you for non-refundable trip payments when you have to cancel or interrupt your trip for a covered reason. The OneTrip Prime Plan includes 26 covered reasons for canceling or interrupting your trip. It also can reimburse you up to 150 percent of your original trip costs if you must return home early because of a covered trip interruption.
- Emergency medical and dental coverage: When you're traveling overseas, your regular health insurance plan probably won't cover you. To protect you from exorbitant medical costs, the OneTrip Prime Plan can reimburse you for covered emergency medical or dental care received while you're traveling, up to a maximum of $50,000.
- Emergency medical transportation benefits: If you require medically necessary transportation to a medical facility and/or your home, following a covered injury or illness, this benefit covers up to $500,000 of those costs.
- Existing medical condition coverage: If you have a chronic or recently diagnosed medical condition, it's important to make sure you have coverage for that existing condition. The OneTrip Prime Plan can cover existing medical conditions for no additional cost — if you meet certain requirements. Two of those requirements are that you must insure the full cost of your trip within 14 days of paying your first trip deposit, and you must be medically able to travel at the time you purchase your insurance. We recommend speaking to an Allianz Global Assistance travel adviser to make sure you have the coverage you need.
- 24-hour assistance: When you purchase travel insurance from Allianz Global Assistance, you can call for free help, wherever you are. Assistance experts can help you replace a lost passport, find a qualified doctor, send a message home or rearrange your travel plans.
The OneTrip Prime Plan also includes benefits that protect you and your possessions while you're in transit:
- Baggage coverage: You can get up to $1,000 in reimbursement if your bags get damaged, lost or stolen.
- Baggage delay coverage: Get reimbursed up to $300 for essential purchases if your luggage is delayed at least 24 hours.
- Travel delay coverage: Stuck in the airport? No problem. Get up to $800 to reimburse you for meals, accommodations and lost prepaid expenses if your trip is delayed at least six hours.
OneTrip Prime Plan vs. OneTrip Basic Plan Travel Insurance
What differentiates the OneTrip Prime Plan from the lower-cost OneTrip Basic Plan? Let's put it this way: if the OneTrip Prime Plan is a warm and waterproof jacket, the OneTrip Basic Plan is a lightweight raincoat. It still provides some protection, just not as much.
The OneTrip Basic Plan has much lower limits for emergency medical/dental coverage and emergency medical transportation coverage. It doesn't include missed connection, change fee and frequent flyer mile redeposit fee coverage. And compared to the OneTrip Basic Plan, the OneTrip Prime Plan covers more reasons for trip cancellation or interruption.
There's one more important difference: the OneTrip Prime Plan can include benefits for financial default. This means that if your tour operator or cruise line should go under, you can be reimbursed for the trip costs you've paid.
Although the OneTrip Prime plan is a good all-around choice for travel insurance, some travelers may need more coverage than it offers. If you're planning a high-dollar dream vacation, such as a safari or an extended European cruise, or if you're venturing into remote or perilous areas, you may want additional protection. The OneTrip Premier Plan gives you up to $50,000 in emergency medical and dental coverage and $1 million in emergency medical transportation benefits.
Who Should Buy OneTrip Prime Plan Travel Insurance?
The OneTrip Prime Plan provides robust coverage for most international trips. It's the best travel insurance for people who want peace of mind from knowing they're protected in case of common travel mishaps, such as covered injuries, illnesses and natural disasters. Read travel insurance reviews to get a sense of the problems travelers often encounter.
The OneTrip Prime Plan may be right for you if you are:
- Traveling overseas with your children or grandchildren
- Taking a cruise or an overseas tour
- Traveling internationally, but not to remote or dangerous regions
As always, read your policy documents carefully so you understand what's covered by your travel insurance plan. Need help figuring out which plan is best for your next trip? Call our travel insurance advisers at 1-866-884-3556. Safe travels!
Is Allianz travel insurance reliable?
Allianz also offers annual plans, multi-trip plans and single-trip plans. Policies such as OneTrip Basic provide affordable options for basic travel insurance coverage. Overall, Allianz travel insurance plans earned 4.1 out of 5 based on our review standards.
Is annual travel insurance better?
Annual travel insurance policies, similarly to single trip insurance, vary depending on factors like locations, pre-existing medical conditions as well as age. If you travel often, an annual policy could work out cheaper than taking single trip policies, but it's also more convenient as you only have to do it once…
Does Allianz travel insurance pay claims?
In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses.
What's the best travel insurance?
Best travel insurers.
AllClear. Best travel insurance for those with pre-existing medical conditions. ... .
The AA. Best all-round travel insurance. ... .
Saga. Best for over-50s. ... .
Santander. Best for added extras. ... .
Just Travel Cover* Best for cruise holidays. ... .
InsureandGo* Best for winter sports..