Allianz Travel Insurance Review – Forbes Advisor

By | March 29, 2021
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Allianz OneTrip Basic Plan

This is Allianz’s most budget-friendly comprehensive travel insurance plan. Here are the types of coverage you’ll find with OneTrip Basic:

  • Coverage of up to $10,000 for trip cancellation
  • Trip interruption coverage up to $10,000
  • Up to $10,000 in travel medical insurance
  • Emergency medical transportation coverage of up to $50,000
  • $500 for lost or damaged baggage
  • USD 200 for baggage delay after 12-hour waiting period
  • $300 for travel delay (limit $150 per day), after a six-hour waiting period
  • 24 hour helpline
  • Epidemiological coverage endorsement

Allianz OneTrip Prime Plan

This policy is similar to the OneTrip Basic plan except that it has higher coverage limits and fewer bells and whistles. For example, you will be able to access Allianz concierge services to help with travel needs such as restaurant reservations.

In addition, you get free coverage for one child under the age of 17 traveling with you. Additionally, you can choose to receive a flat payment of $100 per day under travel delay benefits, and you will not be required to provide receipts.

Here are the types of coverage you’ll find with OneTrip Prime:

  • Coverage of up to $100,000 for trip cancellation
  • Trip interruption coverage of up to $150,000
  • Emergency medical coverage of up to $50,000
  • Emergency medical transportation coverage of up to $500,000
  • $1,000 Baggage Loss or Damage Cover
  • $300 to cover baggage delay after 12-hour waiting period
  • $800 travel delay ($200 daily limit), after a five-hour waiting period
  • 24 hour helpline
  • Concierge Service
  • Epidemiological coverage endorsement

OneTrip Prime offers the following upgrades:

  • OneTrip Car Rental Protector. This provides initial collision coverage for a rental car.
  • Required to work. This adds trip cancellation and interruption coverage for work-related emergencies covered by your policy.

Allianz OneTrip Premier Plan

This plan includes as many types of coverage as the OneTrip Prime plan, but you will get higher limits for most types of coverage.

  • Trip cancellation coverage of up to $100,000, including NOAA hurricane warnings as a covered cause
  • Trip interruption coverage of up to $150,000
  • Emergency medical coverage of up to $50,000
  • Emergency medical transportation coverage of up to $1,000,000
  • $2000 Baggage Loss or Damage Cover
  • Baggage delay coverage $600 after a 12-hour waiting period
  • $1,600 for travel delay (daily limit $200), after a three-hour waiting period
  • 24 hour helpline
  • Concierge Service
  • Epidemiological coverage endorsement

In addition, you will get optional types of coverage that can attract more adventurous travelers:

  • Smart Features. You can choose to get a flat nuisance fee of $100 per person, per day if your flight is delayed due to an issue covered by your policy. You will not need any receipts, just proof of delay.
  • Sports traveler. If you miss a sports event due to an issue covered by your policy, this covers the prepaid sports fee up to the maximum amount specified in the plan.
  • Loss of sports equipment. This pays to replace or repair your sports equipment for the problems covered by the policy.
  • Sports equipment rental. This compensates you up to $1,000 if you have to rent replacement gym equipment if your equipment is lost, stolen, delayed or damaged.
  • Return the car. This pays to return your personal, rented or loaned vehicle to your primary address if you are unable to drive due to an issue covered by the policy.
  • Change the exclusion of adventure and sports. This waives the exclusion of coverage for certain activities such as caving, bouncing, bungee jumping, bungee jumping and snorkeling at depths greater than 30 feet for free snorkeling and 100 feet for scuba diving. This coverage is automatically included in your policy.
  • OneTrip Car Rental Protector. This add-on provides basic collision coverage for a rental vehicle.

Allianz OneTrip Emergency Medical Plan

This plan combines travel medical coverage with post-departure benefits such as travel delay, baggage delay and baggage loss. It is designed for those who have not paid much in non-refundable deposits.

  • Emergency medical coverage of up to $50,000
  • Up to $250,000 for emergency medical transportation
  • Coverage of up to $2,000 for baggage loss and damage
  • Up to $750 for baggage delay after a 12-hour waiting period
  • Up to $1,000 travel delay, after a six-hour waiting period
  • Coverage of up to $10,000 for Travel Accident, Cash Payment for Death, Loss of Limb or Vision due to a Covered Travel Accident
  • 24 hour helpline
  • Reception and Guidance Services
  • Epidemiological coverage endorsement

Allianz OneTrip Cancellation Plus Plan

This travel plan is designed for domestic travelers on a budget who need trip cancellation, interruption and delay coverage but don’t need medical insurance and don’t want baggage coverage.

  • Trip cancellation coverage of up to $5,000
  • Trip interruption coverage up to $5,000
  • Travel delay coverage of up to $150 ($150 daily limit), after a six-hour waiting period
  • 24 hour helpline
  • Epidemiological coverage endorsement

Allianz OneTrip car rental plan

This plan is designed for people who want car rental coverage during their trip.

  • A $50,000 collision damage waiver, which covers costs or your rent if it is stolen or damaged in a covered accident or while parked
  • Trip interruption coverage of up to $1,000
  • Coverage of up to $1,000 for lost or damaged baggage
  • 24 hour helpline

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