Plans, Protection, Who It is Finest for

Plans, Protection, Who It is Finest for

Insider’s specialists select the most effective services to assist make good choices along with your cash (right here’s how). In some instances, we obtain a fee from our our companions, nonetheless, our opinions are our personal. Phrases apply to affords listed on this web page.

Professionals

  • Good possibility for frequent vacationers due to its annual multi-trip insurance policies
  • Does not improve premium for journeys longer than 30 days, which means it might be one of many extra inexpensive choices for an extended journey
  • Some plans embody free protection for youngsters 17 and below
  • Concierge included with some plans

Cons

  • Protection for medical emergency is decrease than some rivals’ insurance policies
  • Plans do not embody protection contact sports activities and high-altitude actions

Extra Data

  • Single and multi-trip plans obtainable
  • Journey cancellation and interruption protection beginning at as much as $10,000 (greater limits with dearer plans)
  • Preexisting medical situation protection obtainable with some plans

Whereas touring could be a enjoyable escape, it is an inherently dangerous exercise with many variables to contemplate. You are away from dwelling and what if one thing occurs to you or your baggage or it’s worthwhile to cancel on the final minute due to climate or a private emergency?

That is the place journey insurance coverage may also help. One possibility is thru Allianz International Help, a distinguished chief within the journey insurance coverage area that has been round in some type since 1890. Its Munich-based dad or mum firm, Allianz SE, has 155,000 staff throughout the globe. Allianz journey insurance coverage serves over 55 million vacationers in additional than 70 international locations every year, and it has all kinds of plans and protection choices to select from.

Journey insurance coverage from Allianz

Allianz journey insurance coverage affords completely different insurance policies, grouped below two sorts: single journeys and annual/multi-trips. 

The corporate’s journey insurance coverage insurance policies can embody the next protection sorts:

  • Journey interruption protection, which may also help recoup prices if you happen to go away a visit early. 
  • Journey delay, which may cowl some prices if you happen to want further lodging because of a delay in journey.
  • Emergency medical transportation, which covers transportation to a hospital for eligible sicknesses and accidents.
  • Emergency medical bills in case of a dental or medical emergency.
  • Baggage delay, which may cowl some prices if it’s worthwhile to buy required objects because of your luggage being delayed by a sure time frame. Will need to have receipts for this. 
  • Baggage loss or injury, which may also help recoup some prices in case your bag is misplaced, stolen, or broken. 
  • Epidemic protection endorsement, which may also help recoup prices if you happen to should cancel a nonrefundable journey because of COVID-19. It is necessary to notice that there could also be limitations and this is not an possibility in all places. 
  • Journey accident protection, which may cowl prices associated to an damage that ends in lack of imaginative and prescient, your fingers or toes, in addition to lack of life. 
  • Help by way of a 24-hour hotline

Insider’s Featured Journey Insurance coverage Firms

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Editor’s Score

4.45/5

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Editor’s Score

4.5/5

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Editor’s Score

4.7/5

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Single-trip plans

The overall funds possibility is OneTrip Primary, which may supply varied protections ought to one thing occur, if you happen to file a declare for a professional purpose. 

One step up is the OneTrip Prime coverage, one of the crucial fashionable plans Allianz affords. It has greater protection limits than the Primary plan, together with some further perks.

A extra full possibility is OneTrip Premier, which incorporates extra complete protections do you have to want them. This coverage is for extra intensive, longer journeys and consists of extras like SmartBenefits—which as much as $100 per day for a coated journey or baggage delay with no receipts crucial, solely proof of delay—and sports activities tools loss protection.

The protection limits obtainable range by plan. This is an summary of what every coverage covers: 

Different OneTrip Premier advantages not talked about within the desk above embody:

  • Sports activities Traveler, reimbursement as much as $1,000 within the occasion of a missed sports activities occasion for a professional purpose
  • Sports activities Gear Loss, reimbursement as much as $1,000 to cowl broken or misplaced sports activities tools
  • Sports activities Gear Rental, reimbursement as much as $1,000 for the price to hire sports activities tools in case your tools is broken or misplaced 
  • Car return, as much as $750 reimbursement to return your car to your house if you cannot drive it for a professional purpose 
  • Journey and sports activities exclusions modifications, which lets you waive some losses within the occasion you take part in high-risk actions like free diving at 30 ft, scuba diving at 100 ft, caving, and extra

There are two further single-trip plans from Allianz that supply extra specialised protection: One Journey Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a funds possibility that completely affords post-departure advantages to cowl you whilst you’re in your journey. As such, the plan would not embody pre-departure advantages resembling journey cancellation or interruption. 

  • Journey delay, as much as $200 per day per particular person for a most of $1000 for delays of six hours and past
  • Journey accident protection, as much as $10,000 
  • Emergency medical transportation, as much as $250,000 
  • Emergency medical bills, as much as $50,000 although dental emergencies have a most of $750
  • Baggage delay, as much as $750 with a delay of 12 hours or extra
  • Baggage loss or injury, as much as $2000 
  • Epidemic protection endorsement
  • Help by way of a 24-hour hotline 
  • Concierge companies included 

OneTrip Cancellation Plus

The OneTrip Cancellation Plus coverage by Allianz is its economical back-to-basics possibility that may recoup prices within the occasion of a journey delay, interruption, or cancellation for a professional purpose. This coverage consists of:

  • Journey interruption protection, as much as $5,000
  • Journey cancellation protection, as much as $5,000 
  • Journey delay, as much as $150 with delays of six hours and past 
  • Epidemic protection endorsement 
  • Help by way of a 24-hour hotline 

Multi-trip plans

The aforementioned insurance policies are for single journeys, however with Allianz journey insurance coverage it is attainable to get an annual/multi-trip coverage.

The starter annual plan is the AllTrips Primary coverage which incorporates essentially the most fundamental protection, and it excludes each journey interruption and journey cancellation protection. 

The AllTrips Prime coverage is geared towards vacationers who take a minimal of three journeys every year and comes with further protection in comparison with the essential plan. 

One other annual plan is the AllTrips Premier coverage, which is geared towards frequent vacationers and consists of greater protection limits and selections.

AllTrips Government 

Moreover, there’s the AllTrips Government coverage, which can be a great match if you happen to’re a frequent enterprise traveler. Underneath this plan, private journey can be coated. This coverage consists of: 

  • Journey interruption protection, as much as $5,000, $7,500, or $10,000
  • Journey cancellation protection, as much as $5,000, $7,500 or $10,000
  • Journey delay, with a every day restrict of $200 as much as $1,600 for delays of six hours and past 
  • Journey accident protection, as much as $50,000 
  • Emergency medical transportation, as much as $250,000
  • Emergency medical bills, as much as $50,000 although dental emergencies have a most of $750
  • Baggage delay, as much as $1,000 with a delay of 12 hours or extra 
  • Baggage loss or injury, as much as $1,000 
  • Rental automobile injury and theft protection, as much as $45,000
  • Enterprise tools protection, as much as $1,000 within the occasion your small business tools will get misplaced or broken
  • Enterprise tools rental protection, as much as $1,000 within the occasion it’s worthwhile to hire enterprise tools because of loss, injury, or theft
  • Change charge protection, as much as $500 to recoup prices of fixing a ticket for a professional purpose 
  • Loyalty program redeposit charge protection, as much as $500 to get well charges misplaced because of getting loyalty factors again after a canceled journey 
  • Epidemic protection endorsement
  • Help by way of a 24-hour hotline 
  • Concierge companies included 

Extra protection choices from Allianz

Apart from the journey insurance coverage insurance policies from Allianz listed above that assist vacationers put together for interruptions and cancellations, there are further add-ons that may cowl extra. 

For instance, if you happen to’re renting a automobile you would possibly think about the OneTrip Rental Automotive Protector coverage. 

OneTrip Rental Automotive Protector

When you’re searching for rental automobile protection, Allianz affords the OneTrip Rental Automotive Protector coverage for $11 per day. This coverage consists of: 

  • Journey interruption protection, as much as $1,000 
  • Baggage loss or injury, as much as $1,000 
  • Collision injury waiver, as much as $50,000 which helps cowl prices within the occasion your rental automobile is broken in an accident or stolen 
  • Help by way of a 24-hour hotline 

On prime of the rental automobile protection plan, with the OneTrip Prime plan, there’s an non-obligatory improve to get Required to Work protection. If there’s a work-related emergency and it’s worthwhile to cancel for a professional purpose, this protection may also help get well bills. 

What’s not included with Allianz journey insurance coverage? 

Allianz journey insurance coverage covers the fundamentals and extra and has some high-risk exercise exclusions within the OneTrip Premier plan. Apart from that, Allianz journey insurance coverage excludes the next:

  • Acts of violence, resembling battle, terrorism, and civil unrest
  • Dangerous journey sports activities
  • Surprising pure disasters (OneTrip Premier permits cancellation because of hurricane warnings) 
  • Flying
  • Air pollution 
  • Any journey alerts or authorities laws and extra 

When you’re considering protection for actions like scuba diving, snowboarding, and extra, think about World Nomads, which covers greater than 200 actions. 

How a lot journey insurance coverage prices with Allianz will rely upon a wide range of elements, together with the kind of coverage you buy. To get a quote with Allianz, you may want to offer the next:

  • Your vacation spot 
  • Journey dates
  • Your age
  • The state you reside in 
  • The entire value of the journey 

A 23-year-old from Chicago seeking to spend the week of Valentine’s Day in Italy with a funds journey costing $3,000 would have the next Allianz journey insurance coverage quotes:

  • $99 for OneTrip Primary 
  • $130 for OneTrip Prime
  • $188 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for the primary two weeks of October. The journey prices $4,000. The Allianz journey insurance coverage quotes are:

  • $153 for OneTrip Primary
  • $195 for OneTrip Prime
  • $270 for OneTrip Premier

A few 65-years of age seeking to escape New York for Mexico for 2 weeks in January with a visit value of $6,000 would have the next Allianz journey insurance coverage quotes:

  • $298 for OneTrip Primary (complete for 2 vacationers)
  • $400 for OneTrip Prime (complete for 2 vacationers)
  • $540 for OneTrip Premier (complete for 2 vacationers)

Allianz journey insurance coverage premiums typically stack up favorably towards the business common, which is $248 per journey, however once more, the specifics of your journey will largely decide how a lot you may pay to insure it.

If you buy a journey insurance coverage coverage by Allianz and expertise a qualifying occasion, you’ll be able to file a declare on the corporate’s web site or by way of its TravelSmart app. 

To file a declare with Allianz, you may have to submit info on their web site or app about the kind of declare and supply supporting documentation, in addition to cost info to get reimbursed. 

You will want to pick the plan and embody your e-mail or coverage quantity in addition to your departure date. 

When you want help when submitting a declare with Allianz, you’ll be able to attain the corporate at 1-866-884-3556. 

The Allianz mailing deal with is:

Allianz International Help

P.O. Field 71533

Richmond, VA 23255-1533

To succeed in out to Allianz on-line, you’ll be able to submit your request by way of its contact type.

Evaluate Allianz vs AXA Journey Insurance coverage 

One of many downsides of Allianz journey insurance coverage is that the corporate would not supply what’s known as Cancel for Any Purpose (CFAR) on-line. You could discuss to a journey agent to debate what’s obtainable. 

Competitor AXA journey insurance coverage covers 75% of your nonrefundable prices if you happen to select to cancel, for any purpose (because the title suggests) if you happen to select that as an improve and purchase it two weeks earlier than your first journey deposit. 

Plus, if we have a look at the journey insurance coverage quotes based mostly on a 30-year-old traveler from California going to Japan within the first two weeks of October paying a complete of $4,000 for the journey, AXA journey insurance coverage is extra inexpensive. It is $97 for its Silver plan, which covers 100% journey cancellation and interruption. Evaluate this to $153 for the OneTrip Primary Plan by Allianz.

Evaluate Allianz vs HTH Journey Insurance coverage 

Allianz is an efficient journey insurance coverage possibility if you happen to’re searching for a wide range of custom-made selections. One other competitor, HTH Worldwide Journey Insurance coverage, has three journey safety choices

TripProtector Financial system is HTH’s funds possibility and could also be a great match if you happen to’re searching for greater medical protection limits. This coverage covers as much as $75,000 in accident and sick advantages and $500 in dental advantages. 

Plus, the coverage covers as much as $500,000 for an emergency evacuation. The OneTrip Primary coverage from Allianz covers the identical dental advantages however affords simply $10,000 in medical bills. 

Evaluate Allianz vs bank card journey insurance coverage

A journey insurance coverage coverage can supply strong protections, however if you happen to’re searching for one thing fundamental for journey interruption/cancellation and rental automobile protection, verify your journey rewards bank card.  When you expertise sickness, climate, or cancellations that have an effect on your journey, you could possibly recoup prices. 

Bank card journey insurance coverage protection could also be a great match for brief journeys the place you do not have a ton of upfront pay as you go prices. Nevertheless, if you are going to be away for some time, have many pay as you go bills, and are involved about medical protection, conventional journey insurance coverage could also be your greatest wager. 

Methodology

As a part of this Allianz journey insurance coverage assessment, we appeared on the prime journey insurance coverage suppliers within the area. We reviewed the number of choices supplied, protection limits, advantages, add-ons, flexibility, COVID protocols, and affordability. 

Allianz succeeds in providing many various insurance policies geared toward on a regular basis vacationers, enterprise vacationers, and athletes. To search out the most effective journey insurance coverage possibility for you, take a look at a number of firms, assessment the advantages, and evaluate quotes.

FAQs

Allianz is a good and well-established journey insurance coverage supplier. The corporate affords varied journey insurance coverage insurance policies for particular person journeys in addition to annual plans. Protection choices might embody journey interruption, journey cancellation, journey delay, emergency medical, and extra. The corporate has blended critiques from shoppers however has an A+ score with the Higher Enterprise Bureau. 

Practically all journey insurance coverage insurance policies supplied by Allianz cowl COVID-19, other than the OneTrip Rental Automotive Protector Plan. By means of the Allianz Epidemic Protection Endorsement, policyholders obtain further protections if they should cancel a visit because of COVID. Sadly, whereas it is obtainable in most plans it isn’t obtainable in all jurisdictions, so be sure you learn the nice print. That is at the moment a short lived providing. 

The perfect Allianz plan for vacationers seeking to shield a single journey is OneTrip Premier which comes with essentially the most strong protections. Your youngsters ages 17 and below are included within the protection. OneTrip Premier consists of hurricane warnings as a sound purpose, plus consists of $100,000 in journey cancellation protection and $150,000 in journey interruption protection. The coverage additionally consists of as much as $2,000 for misplaced baggage and a million for emergency medical transportation. Moreover, this coverage consists of distinctive advantages for athletes and adventurers due to sports activities tools protection. 

If it’s worthwhile to file a declare, Allianz might require proof of incident so as to obtain advantages. In instances of medical points, you might want to offer a medical receipt or doc. In different instances, you might want to offer different documentation for journey cancellation or journey interruption resembling a demise certificates, police report, or employment letter. 

Does Allianz cowl missed flights?

Allianz would not cowl missed flights precisely however may also help cowl prices because of journey delays relying in your coverage. So if you happen to missed a connecting flight, you could possibly obtain funds to recoup prices associated to lodging and transportation.

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