Allianz Global Assistance Travel Insurance Review

When you’re going on a big trip, pre-paying for things like transportation and activities often makes traveling easier. But if a covered disruption occurs, nonrefundable costs can be at risk. Airlines must refund canceled or significantly changed flights under U.S. rules, but those obligations don’t cover your non-air prepaid costs; this is where travel insurance can help by protecting prepaid, nonrefundable trip components (subject to policy terms) and by adding post‑departure benefits like medical and evacuation. For airline refund rights, see the U.S. Department of Transportation’s guidance at Refunds.

Travel insurance gives you financial security while you’re traveling. Beyond covered cancellations and interruptions, comprehensive plans can include benefits for baggage, travel delays, emergency medical care, and medical evacuation. Official guidance for Americans traveling abroad notes many U.S. health plans don’t cover overseas care and rarely include medevac, making dedicated travel medical and evacuation coverage important; see the U.S. Department of State’s advisory in Your Health Abroad.

If you’re planning a vacation, we recommend purchasing travel insurance for added peace of mind and security. Allianz Global Assistance is the servicing brand of AGA Service Company/Allianz Partners USA; in the U.S., its policies are underwritten primarily by Jefferson Insurance Company (A.M. Best A+ [Superior]) and, in some jurisdictions, by BCS Insurance Company (A‑ [Excellent]). See Allianz’s disclosure at About Allianz Travel Insurance and BCS’s rating at BCS Financial – Ratings. Allianz also offers optional Cancel Anytime coverage on many OneTrip plans (reimburses up to 80% for non‑covered reasons, where available) and, on select plans, children 17 and under are covered at no additional cost when traveling with a parent or grandparent (state variations apply). Learn more at Cancel Anytime and the OneTrip Prime plan page.

Allianz Global Assistance Travel Insurance Review

• Brand and underwriting: Allianz Global Assistance is the servicing brand (AGA Service Company/Allianz Partners USA); U.S. policies are underwritten by Jefferson Insurance Company (A.M. Best A+ [Superior]) and, in some states, BCS Insurance Company (A‑ [Excellent]) — see About Allianz Travel and BCS Ratings. Parent Allianz Group carries strong credit ratings (S&P AA; Moody’s Aa2; Fitch AA‑; AM Best A+).
• Financial strength reference to use: cite the underwriting carriers’ ratings, not the brand; primary underwriter Jefferson Insurance Company is A.M. Best A+ (Superior); BCS Insurance Company is A.M. Best A‑ (Excellent).
• Policy types: OneTrip Cancellation Plus, OneTrip Basic, OneTrip Prime, OneTrip Premier, OneTrip Emergency Medical, plus annual AllTrips plans (Basic, Prime, Executive) for frequent travelers — see Compare & view plan details and AllTrips annual plans.

One Trip Cancelation Plus

• Trip Protection: Trip Cancellation up to 100% and Trip Interruption up to 100% of insured trip cost; includes Travel Delay (typically up to $300 total). Eligible delays may qualify for no‑receipts SmartBenefits fixed payments; verify your state certificate via plan details and see SmartBenefits.
• Emergency Medical Insurance: Not included
• Evacuation and repatriation: Not included
• Baggage loss and theft: Not included
• Activities coverage: Recreational, non‑professional activities may be covered; hazardous/extreme activities are commonly excluded — review what travel insurance doesn’t cover.

One Trip Basic

• Trip Protection: Trip Cancellation up to 100% and Trip Interruption up to 100% of insured trip cost; Travel Delay typically up to $150 per person/day, total up to $300; Missed Connection up to $300 on select itineraries. Time‑sensitive pre‑existing condition coverage may be available if you buy soon after your first trip payment (often 14 days) and insure 100% of trip cost; see plan details.
• Emergency Medical Insurance: Up to $10,000
• Evacuation and repatriation: Up to $150,000
• Baggage loss and theft: Up to $500 (Baggage Delay up to $200)
• Activities coverage: Recreational, non‑competitive activities generally covered; no dedicated U.S. adventure sports add‑on — see exclusions.

One Trip Prime

• Trip Protection: Trip Cancellation up to 100% and Trip Interruption up to 150% of insured trip cost; Travel Delay typically up to $200 per person/day, total up to $800. Optional Cancel Anytime can reimburse up to 80% for non‑covered reasons (eligibility and state availability apply). Children 17 and under are included at no additional cost when traveling with a parent or grandparent on this plan in many states — see the OneTrip Prime page. SmartBenefits may enable no‑receipts payouts for eligible delays.
• Emergency Medical Insurance: Up to $50,000
• Evacuation and repatriation: Up to $500,000
• Baggage loss and theft: Up to $1,000 (Baggage Delay up to $300)
• Activities coverage: Recreational activities usually covered; hazardous/extreme activities often excluded — verify your certificate’s exclusions here.

One Trip Premier

• Trip Protection: Trip Cancellation up to 100% and Trip Interruption up to 150% of insured trip cost; Travel Delay typically up to $200 per person/day, total up to $1,600. Optional Cancel Anytime available to many residents (up to 80% for non‑covered reasons). Kids‑included pricing often applies on this tier as well, but availability varies by state; confirm in plan details.
• Emergency Medical Insurance: Up to $50,000
• Evacuation and repatriation: Up to $1,000,000
• Baggage loss and theft: Up to $2,000 (Baggage Delay up to $600)
• Activities coverage: Recreational, non‑competitive activities typically covered; hazardous/extreme activities are commonly excluded — see exclusions.

One Trip Emergency Medical

• Trip Protection: Not included (post‑departure medical/evacuation focus). Some state versions include modest Travel Delay benefits (commonly up to $300 total) — verify your state’s certificate via plan details.
• Emergency Medical Insurance: Commonly up to $50,000
• Evacuation and repatriation: Commonly up to $250,000
• Baggage loss and theft: Often up to $500 (state variations apply)
• Activities coverage: Recreational, non‑professional activities generally covered; hazardous/extreme activities often excluded — see exclusions.

The Competition

Allianz vs John Hancock

Allianz Global offers more plan variety (including AllTrips annual coverage) than John Hancock, and many OneTrip tiers can add Cancel Anytime for up to 80% reimbursement on non‑covered reasons (state rules apply). By contrast, John Hancock’s CFAR upgrade commonly reimburses up to 75% when eligibility requirements are met. If your priority is higher medical and evacuation caps, John Hancock’s top tier typically leads: Gold often lists about $250,000 in emergency medical and $1,000,000 in evacuation, with interruption up to 150% and cancellation up to 100% of trip cost (John Hancock Travel Insurance).

For families, Allianz stands out because select OneTrip plans include children 17 and under at no extra cost when traveling with an insured parent or grandparent (notably OneTrip Prime, and often Premier; state availability applies). On service, both brands provide 24/7 assistance and online claims. Allianz differentiates with its TravelSmart app and SmartBenefits that can issue preset, receipt‑less delay payments when eligibility criteria are met. See independent provider pages for current customer experience signals: Allianz on Squaremouth and John Hancock on Squaremouth.

Allianz vs Travelex Insurance Services

Travelex is favored by travelers who want add‑ons and activity coverage. Its Travel Select plan typically features primary medical coverage with around $50,000–$100,000 in emergency medical and about $500,000 in evacuation, plus an optional Adventure Sports Upgrade to cover activities often excluded elsewhere. Travelex’s CFAR upgrade generally reimburses 50% when purchased within the time‑sensitive window and other conditions are met (Travel Select).

Allianz’s per‑trip plans are strong for mainstream itineraries, with interruption commonly up to 150% and optional Cancel Anytime reimbursing up to 80% for non‑covered reasons (where offered). However, Allianz does not prominently market a U.S. hazardous/adventure sports add‑on; high‑risk activities are generally excluded unless a plan’s state‑specific certificate says otherwise (exclusions). Both Allianz and Travelex include kids at no additional premium on key family‑oriented tiers (Allianz OneTrip Prime; Travelex Travel Select). For service, all provide 24/7 assistance and online claims; Allianz emphasizes its TravelSmart app and SmartBenefits. See provider pages for traveler feedback: Travelex on Squaremouth.

The Bottom Line

Allianz Global (serviced by AGA Service Company) is a trustworthy provider backed by highly rated underwriters — Jefferson Insurance Company (A.M. Best A+ [Superior]) and, in some jurisdictions, BCS Insurance Company (A‑ [Excellent]) — see Allianz’s underwriter disclosure and BCS ratings. Strengths include widely available plan tiers, an optional Cancel Anytime upgrade (up to 80% for non‑covered reasons), annual AllTrips plans for frequent travelers, kids‑included pricing on select OneTrip plans, and SmartBenefits that can streamline eligible delay claims. Trade‑offs: emergency medical caps on per‑trip plans typically top out around $50,000 (lower than John Hancock Gold), and Allianz does not prominently offer a U.S. hazardous/adventure sports rider. Time‑sensitive benefits matter: pre‑existing condition coverage waivers and Cancel Anytime require buying soon after your first trip payment and insuring 100% of nonrefundable costs; state plan forms govern exact terms — review your certificate via plan details.

FAQ

Does Allianz Global Assistance cover flight cancellation?

Yes, for covered reasons listed in the certificate (for example, a qualifying illness), Allianz can reimburse up to the insured trip cost under Trip Cancellation. For more flexibility, many OneTrip plans offer an optional Cancel Anytime upgrade that reimburses up to 80% for non‑covered reasons if eligibility rules are met. Note: Airlines must refund canceled or significantly changed flights under U.S. DOT rules, separate from insurance; see DOT refunds.

Does Allianz offer cruise insurance?

Yes. Allianz’s OneTrip plans can work well for cruises, combining trip cancellation/interruption, baggage, travel delay, emergency medical, and evacuation benefits. Most plans also include an Epidemic Coverage Endorsement that restores certain protections for illnesses like COVID‑19 (subject to plan terms and limits). Compare options at Allianz plan details.

Can I get away with just having personal insurance travel?

It’s risky to rely solely on personal insurance. Many U.S. health plans (including Medicare) offer limited or no coverage overseas and typically exclude medical evacuation. The State Department advises travelers to consider medical and evacuation coverage before international trips; see Your Health Abroad. A comprehensive travel policy can add emergency medical, evacuation, interruption, and delay benefits that your personal insurance doesn’t include.

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