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Allianz Travel Insurance Review – Forbes Advisor

Allianz OneTrip Basic Plan

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

  • Up to $10,000 trip cancellation coverage
  • Up to $10,000 trip interruption coverage
  • Up to $10,000 in travel medical insurance
  • Up to $50,000 emergency medical transportation coverage
  • $500 for baggage loss or damage
  • $200 for baggage delay, after 12-hour waiting period
  • $300 travel delay ($150 daily limit), after six-hour waiting period
  • 24-hour hotline assistance
  • Epidemic coverage endorsement

Allianz OneTrip Prime Plan

This policy is similar to the OneTrip Basic plan except it has higher coverage limits and a few more bells and whistles. For example, you’ll get access to Allianz concierge services to assist with travel needs such as booking restaurant reservations.

Plus, you get free coverage for one child under age 17 traveling with you. Additionally, you can choose to get a flat payment of $100 per day under travel delay benefits, and you won’t be required to provide receipts.

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

  • Up to $100,000 trip cancellation coverage
  • Up to $150,000 trip interruption coverage
  • Up to $50,000 emergency medical coverage
  • Up to $500,000 emergency medical transportation coverage
  • $1,000 baggage loss or damage coverage
  • $300 baggage delay coverage, after 12-hour waiting period
  • $800 travel delay ($200 daily limit), after five-hour waiting period
  • 24-hour hotline assistance
  • concierge service
  • Epidemic coverage endorsement

The OneTrip Prime offers the following upgrades:

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

Allianz OneTrip Premier Plan

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

  • Up to $100,000 trip cancellation coverage, including NOAA hurricane warnings as a covered reason
  • Up to $150,000 trip interruption coverage
  • Up to $50,000 emergency medical coverage
  • Up to $1,000,000 emergency medical transportation coverage
  • $2,000 baggage loss or damage coverage
  • $600 baggage delay coverage, after 12-hour waiting period
  • $1,600 travel delay ($200 daily limit), after three-hour waiting period
  • 24-hour hotline assistance
  • concierge service
  • Epidemic coverage endorsement

In addition, you’ll get optional coverage types that can appeal to the more adventurous traveler:

  • SmartBenefits. You can opt to get a fixed inconvenience fee of $100 per person per day if your trip is delayed for a problem covered by your policy. You won’t need any receipts, just proof of delay.
  • Sports Traveler. If you miss a sporting event due to a problem covered by your policy, this covers prepaid sporting fees up to the maximum amount specified in the plan.
  • Sporting equipment loss. This pays to replace or repair your sporting equipment for problems covered by the policy.
  • Sporting equipment rental. This reimburses you up to $1,000 if you have to rent replacement sporting equipment in case your equipment is lost, stolen, delayed or damaged.
  • Vehicle return. This pays to have your personal, leased or borrowed vehicle returned to your primary address if you are unable to drive due to a problem covered by the policy.
  • Adventure & Sports Exclusion Change. This waives the coverage exclusion for certain activities such as caving, repelling, spelunking, bungee jumping and diving at depths greater than 30 feet for free diving and 100 feet for scuba diving. This coverage is automatically included in your policy.
  • OneTrip Rental Car Protector. This add-on provides primary collision coverage for a rental car.

Allianz OneTrip Emergency Medical Plan

This plan pairs travel medical coverage along with post-departure benefits such as travel delay, baggage delay and lost baggage. It is designed for those who haven’t paid much in non-refundable deposits.

  • Up to $50,000 emergency medical coverage
  • Up to $250,000 emergency medical transportation
  • Up to $2,000 baggage loss and damage coverage
  • Up to $750 baggage delay, after a 12-hour waiting period
  • Up to $1,000 travel delay, after six-hour waiting period
  • Up to $10,000 travel accident coverage, cash payment for death, loss of limbs or sight due to a covered travel accident
  • 24-hour hotline assistance
  • concierge services
  • Epidemic coverage endorsement

Allianz OneTrip Cancellation Plus Plan

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

  • Up to $5,000 trip cancellation coverage
  • Up to $5,000 trip interruption coverage
  • Up to $150 travel delay coverage ($150 daily limit), after six-hour waiting period
  • 24-hour hotline assistance
  • Epidemic coverage endorsement

Allianz OneTrip Rental Car Protector Plan

This plan is designed for folks who want coverage for rental cars during their trip.

  • $50,000 collision damage waiver, which covers costs or your rental if it’s stolen or damaged in an accident covered by the policy or while it’s parked
  • Up to $1,000 trip interruption coverage
  • Up to $1,000 baggage loss or damage coverage
  • 24-hour hotline assistance

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