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Last updated on Oct 28, 2020

Allianz Global Assistance Travel Insurance Review

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Allianz Global Assistance

  • Offers emergency medical and evacuation coverage
  • Annual plans cover trips up to 360 days in length
  • The only top-rated provider with a mobile app
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How We Reviewed Allianz Global Assistance Travel Insurance

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9 plans evaluated

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3 experts consulted

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2 competitors compared

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When you’re going on a big trip, pre-paying for things like transportation and activities often makes traveling easier. If things don’t go as planned, you could risk losing money. This is where travel insurance comes in handy.

Travel insurance gives you financial security while you’re traveling. In addition to pre-paid activity and transportation reimbursement, travel insurance also covers things like lost luggage and emergency medical care.

If you’re planning a vacation, we recommend purchasing travel insurance for added peace of mind and security. Allianz Global Assistance is one of the leading travel insurance companies that provides a variety of plans and coverage options for domestic and international travelers.

Allianz Global Assistance Travel Insurance Review

  • In business since: 1890
  • AM Best financial strength rating: A+
  • Policy types: OneTrip Cancellation Plus Plan, OneTrip Basic Plan, OneTrip Prime Plan, OneTrip Premier Plan, OneTrip Emergency Medical Plan
Allianz Global Assistance
• Variety of plans
• Coverage for long trips
• Free coverage for kids under 17
• Low coverage limits
• Policies are not flexible
• No adventure coverage

One Trip Cancelation Plus

  • Trip Protection: $10,000 (interruption + cancellation)
  • Emergency Medical Insurance: N/A
  • Evacuation and repatriation: N/A
  • Baggage loss and theft: N/A
  • Number of activities covered: N/A

One Trip Basic

  • Trip Protection: $20,000 (interruption + cancellation)
  • Emergency Medical Insurance: $10,000
  • Evacuation and repatriation: $50,000
  • Baggage loss and theft: $500
  • Number of activities covered: N/A

One Trip Prime

  • Trip Protection: $250,000 (interruption + cancellation)
  • Emergency Medical Insurance: $25,000
  • Evacuation and repatriation: $500,000
  • Baggage loss and theft: $1,000
  • Number of activities covered: N/A

One Trip Premier

  • Trip Protection: $250,000 (interruption + cancellation)
  • Emergency Medical Insurance: $50,000
  • Evacuation and repatriation: $1,000,000
  • Baggage loss and theft: $600
  • Number of activities covered: N/A

One Trip Emergency Medical

  • Trip Protection: N/A
  • Emergency Medical Insurance: $50,000
  • Evacuation and repatriation: $250,000
  • Baggage loss and theft: $2,000
  • Number of activities covered: N/A 

The Competition

AllianzJohn HancockTravelex Insurance Services
Available plans534
AM Best financial strength ratingA+A+A++
Annual plansX
24-hour travel assistance service

Allianz vs John Hancock

Allianz Global offers a broader variety of policy options than John Hancock. Allianz offers five plans, whereas John Hancock only offers three. However, John Hancock’s policies provide much higher coverage limits than Allianz. If you’re looking for the most protection during your trip, we recommend John Hancock.

On the other hand, if you’re taking a vacation with kids, we recommend Allianz Global over John Hancock. Allianz will insure kids under 17 for free when they travel with a parent or grandparent. Looking at customer service, John Hancock comes out on top. We had a much better experience with John Hancock’s agents and appreciated their extensive knowledge of the plans.

Allianz vs Travelex Insurance Services

Overall, Travelex performed better than Allianz Global in several major areas. First, we determined that Travelex is a better option for people who want to customize their plan and their coverage limits. This is one area where Allianz lagged behind competitors.

Despite having only four plans, travelers can get more coverage for longer or more adventurous trips with Travelex than with Allianz. Travelex also offers an adventure sports coverage package that Allianz doesn’t offer. Travelex customers can upgrade their plan with “Cancel for Any Reason” coverage for the most protection. Based on our evaluation, we also thought that Travelex had better customer service than Allianz. 

The Bottom Line

Overall, Allianz Global is a trustworthy travel insurance provider. The company offers a number of plans and add-on policies that fit a wide range of travelers and vacation types. We also like that Allianz offers annual plans, which is ideal for people who travel multiple times each year. Families traveling together will also benefit from Allianz’s free coverage for kids under 17. However, Allianz didn’t offer the best customer service compared to John Hancock and Travelex. Additionally, Allianz’s insurance plans aren’t very flexible. Unlike Travelex, Allianz customers can’t choose to increase or decrease their coverage limits based on their needs.


Does Allianz Global Assistance cover flight cancellation?

Yes, Allianz Global Assistance covers flight cancellation in certain situations. For example, if you get sick and have to cancel your trip before you leave, Allianz will reimburse you for the airfare fee.

Does Allianz offer cruise insurance?

Yes, Allianz Global does offer cruise insurance. Allianz cruise insurance also covers situations like lost or delayed baggage, trip delay coverage and trip interruption coverage.

Can I get away with just having personal insurance travel?

When you’re going on a trip, getting travel insurance is better than relying on personal insurance alone. If you’re traveling abroad, keep in mind that some insurance companies won’t extend your coverage to overseas countries. 

About the Authors

Elizabeth Rivelli

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.