On this page14 sections
- Ratings and complaints
- Allianz vs. competitors
- Pricing
- Step by step
- Allianz Travel Insurance legitimacy and licensing
- Allianz travel insurance plans and coverage
- Allianz travel insurance cost
- Allianz Travel complaints and claim problems
- The assistance fee class action
- Canceling an Allianz policy
- Rules that protect you
- What customers say
- Alternatives
- FAQ
Allianz Travel Insurance is a strong choice for families (kids ride free on OneTrip Prime), frequent travelers who want an annual AllTrips plan, and anyone who wants a Cancel Anytime upgrade that refunds 80%. It is a legitimate, widely sold travel insurer with A+ BBB accreditation since 1991 and a 4.1 out of 5 Trustpilot score from more than 200,000 reviews. The weak spot is medical coverage: OneTrip Prime includes only $50,000 of emergency medical, and complaints center on denied or slow claims, so read the covered reasons and buy within 14 days of your first deposit if you need pre-existing condition coverage.
Your options
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Allianz This review Families with children, frequent travelers who want one annual plan, and travelers who want an 80% Cancel Anytime option.
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Freely Alternative Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
- Seller
- AGA Service Company, doing business as Allianz Global Assistance (Allianz Partners), 9950 Mayland Drive, Richmond, VA1
- Underwriters
- Jefferson Insurance Company (NY), AM Best A+ (Superior), or BCS Insurance Company (OH), AM Best A (Excellent), depending on state1
- OneTrip Prime
- Up to $100,000 cancellation, $150,000 interruption, $50,000 emergency medical, $500,000 medical transportation2
- Cancel Anytime
- Optional upgrade that reimburses 80% of nonrefundable trip costs2
- Pre-existing conditions
- Covered if you buy within 14 days of your first trip payment, insure the full nonrefundable cost and are medically able to travel2
- Kids
- 17 and under covered free with a parent or grandparent on OneTrip Prime (not for Pennsylvania residents)2
- Free look
- 15 days or longer by state for a full refund if you have not filed a claim or left on your trip6
- Price
- Not published; quoted by trip cost, age, destination and state. The NAIC says travel insurance typically costs 5% to 10% of the trip price9
Pros
- Kids 17 and under covered free with a parent or grandparent on OneTrip Prime
- Cancel Anytime upgrade refunds 80%, more than most cancel for any reason add-ons
- Annual AllTrips plans cover every trip in a year
- SmartBenefits pay a fixed $100 a day for covered delays without receipts
- 15-day free look for a full refund
Cons
- OneTrip Prime has only $50,000 of emergency medical coverage
- AllTrips Prime annual medical is $20,000 per trip
- Pre-existing condition coverage only if you buy within 14 days of your first payment
- 744 BBB complaints in three years, mostly about denied or slow claims
- Prices not published, so you have to run a quote to compare
Best for: Families with children, frequent travelers who want one annual plan, and travelers who want an 80% Cancel Anytime option.
Skip it if: You are traveling somewhere with very expensive medical care and want $250,000 or more of primary medical coverage on a single trip plan.
Allianz vs. competitors
| Company | Emergency medical | Medical evacuation | Trip cancellation | Cancel for any reason | Next step |
|---|---|---|---|---|---|
| Allianz OneTrip Prime | $50,000 | $500,000 | Up to $100,000 | Cancel Anytime, 80% | Visit site |
| Freely | $500,000 ($50,000 in New Hampshire) | $1,000,000 | Optional add-on | Not published | Visit site |
| World Nomads | $125,000 to $250,000 | $400,000 to $700,000 | $2,500 to $15,000 | Explorer 50% or Epic 75% | Visit site |
| Faye | Up to $250,000 primary | Up to $500,000 | Up to 100% of trip cost | 75% | Visit site |
Travel insurance we reviewed
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Allianz This review BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Families with children, frequent travelers who want one annual plan, and travelers who want an 80% Cancel Anytime option. -
Freely BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it. -
InsureMyTrip BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help. -
WorldTrips BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad. -
Faye BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want primary medical coverage abroad and prefer to handle the whole policy, including claims, in an app. -
World Nomads BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Backpackers, solo travelers and adventure travelers who want activities like diving, skiing and trekking covered without extra riders. -
Generali BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits. -
Seven Corners BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan. -
Auras Insurance Not a top pick Best for: Non-U.S., non-EU travelers who need low-cost proof of medical cover for a visa and accept an offshore insurer's terms.
Allianz pricing at a glance
Allianz single trip plan limits per traveler, as listed October 20262
| Plan | Trip cancellation | Emergency medical | Medical transportation | Baggage loss |
|---|---|---|---|---|
| OneTrip Basic | Up to $10,000 | $10,000 | $50,000 | $500 |
| OneTrip Prime | Up to $100,000 | $50,000 | $500,000 | $1,000 |
| OneTrip Premier | Up to $200,000 | $75,000 | $1,000,000 | $2,000 |
| OneTrip Emergency Medical | None | $50,000 | $250,000 | $2,000 |
| AllTrips Prime (annual) | $3,000 per year | $20,000 per trip | $100,000 per trip | $1,000 |
| AllTrips Premier (annual) | $2,000 to $15,000 per year | $50,000 per trip | $500,000 per trip | $2,000 |
Prices are not published and vary by trip cost, age, destination and state. Benefits and availability vary by state. AllTrips Prime covers trips up to 45 days and AllTrips Premier up to 90 days.
Allianz, step by step
Get a quote
Enter your trip dates, destination, trip cost and the travelers' ages online or call 1-866-884-3556.
Pick a plan
Compare OneTrip Basic, Prime and Premier, or an AllTrips annual plan, and decide whether to add Cancel Anytime.
Buy early
Buy within 14 days of your first trip payment to qualify for pre-existing condition coverage.
Review in 15 days
Read the policy during the free look period; cancel for a full refund if it does not fit.
Use help and claims
Call the 24/7 hotline in an emergency, use the Allyz app, and file claims online with receipts and documents.
Allianz Travel Insurance legitimacy and licensing
Yes. Allianz Travel Insurance is sold by AGA Service Company, doing business as Allianz Global Assistance, in Richmond, Virginia, part of the Allianz Partners group. Policies are underwritten by Jefferson Insurance Company, rated A+ (Superior) by AM Best, or BCS Insurance Company, rated A (Excellent), depending on your state. Allianz says it helps more than 55 million people a year.
The BBB gives Allianz Global Assistance an A+ rating and has accredited it since August 1, 1991, with 744 complaints in the last three years. On Trustpilot, Allianz Partners USA scores 4.1 out of 5 from 205,026 reviews, and it replies to 83% of negative reviews.
Allianz travel insurance plans and coverage
Allianz sells five single trip plans: OneTrip Basic, OneTrip Prime (its most popular), OneTrip Premier, OneTrip Emergency Medical and OneTrip Cancellation Plus, which covers cancellation without post-departure benefits. Annual AllTrips plans cover multiple trips in a year, and a rental car plan is sold separately.
OneTrip Prime includes Trip cancellation. Reimburses prepaid, nonrefundable trip costs if you cancel before departure for a reason the policy covers. Compare travel insurance up to $100,000, Trip interruption. Pays for unused trip costs and extra travel costs if a covered reason cuts your trip short. Compare travel insurance up to $150,000, $50,000 of emergency medical ($750 for dental), $500,000 of emergency medical transportation, $1,000 for baggage loss, $300 for baggage delay, $800 for travel delays of 5 hours or more ($200 a day) and a $500 trip change protector. Epidemic coverage adds covered reasons tied to COVID-19 and other epidemics.
OneTrip Premier doubles most post-departure limits, with $75,000 of medical and $1,000,000 of medical transportation. OneTrip Basic is the low-cost option, with $10,000 of cancellation and $10,000 of medical.
Allianz travel insurance cost
Allianz does not publish prices. Your premium depends on your trip cost, the ages of travelers, your destination, your state and the plan you choose. The NAIC says travel insurance typically costs 5% to 10% of the total trip price, so a $5,000 trip would often cost $250 to $500 to insure with a comprehensive plan.
Ways to lower the cost: insure only nonrefundable costs, use OneTrip Basic or Cancellation Plus if you already have medical coverage abroad, and take advantage of free coverage for kids on OneTrip Prime. If you travel three or more times a year, price an AllTrips annual plan.
What customers say about Allianz
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Fast, simple online claims for straightforward cases
- Helpful, professional customer service
- Smooth reimbursement by direct deposit
- Easy online purchase
Common complaints
- Denied claims over covered reasons or pre-existing conditions
- Repeated requests for documents already sent
- Slow refunds and claim decisions
- Inconsistent decisions on similar cases
Allianz Travel complaints and claim problems
Most complaints are about claims. Recurring themes on the BBB and Trustpilot are repeat requests for documents, denials because the reason for canceling was not a covered reason, slow reimbursement and missed pre-existing condition deadlines. Positive reviews describe quick online claims and direct deposits.
To avoid a denial, buy within 14 days of your first trip payment if you want pre-existing condition coverage, read the list of covered reasons before you cancel, get a doctor’s note at the time of an illness, and keep receipts, booking confirmations and refund statements from airlines and hotels.
The assistance fee class action
AGA Service Company agreed to pay $19.75 million to settle class actions in California and Washington claiming it was improper to include an assistance fee for non-insurance services in the price of travel and event ticket protection plans. Allianz denies wrongdoing. The court granted final approval on October 29, 2024, but payments are on hold during a Ninth Circuit appeal that was argued May 18, 2026 and had no ruling as of late September 2026. The claim deadline has passed.
Canceling an Allianz policy
Every Allianz plan has a free look period of at least 15 days, longer in some states. You can cancel for a full refund within that time if you have not filed a claim or departed. You can cancel through Manage a Policy on Allianz’s site or by calling 1-(866) 884-3556. After the free look period, refunds are generally not available, so if your trip changes, ask about moving the coverage to new dates instead.
Rules that protect you
Travel insurance is regulated by your state insurance department, which is where to file a complaint if a claim dispute is not resolved. Travel insurance is not a substitute for health insurance: check whether your own health plan or Medicare covers you abroad. Read how your plan coordinates with other coverage you have before you rely on it for medical bills.
Alternatives to Allianz
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Much higher medical limits ($500,000) and add-ons you can buy by the day for activities.
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Better for adventure travelers who want hundreds of activities covered.
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Your credit card's travel protection
Some cards include trip cancellation and delay coverage at no extra cost if you pay for the trip with the card.
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Lets you compare Allianz quotes against other insurers for the same trip.
Next steps
Allianz reviews
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Frequently asked questions
Is Allianz travel insurance legitimate and safe to use?
Yes. It is sold by Allianz Global Assistance in Richmond, Virginia, and underwritten by Jefferson Insurance Company (A+) or BCS Insurance Company (A). It has been BBB accredited since 1991 with an A+ rating.
Does Allianz travel insurance pay claims?
Allianz pays many claims quickly, and most of its 205,000+ Trustpilot reviews are positive. Complaints focus on denials when the reason was not covered and on repeat document requests, so read the covered reasons before you cancel.
How much is Allianz travel insurance?
Allianz does not publish prices. Premiums depend on trip cost, age, destination and state, and the NAIC says travel insurance typically runs 5% to 10% of the trip price.
Does Allianz cover pre-existing conditions?
Yes, on plans such as OneTrip Basic and Prime, if you buy within 14 days of your first trip payment, insure the full nonrefundable cost and are medically able to travel when you buy.
What is Allianz Cancel Anytime?
An optional upgrade that reimburses 80% of your nonrefundable trip costs if you cancel for a reason the base plan does not cover. Ask about eligibility rules when you buy.
Can I get a refund on Allianz travel insurance?
Yes, within the free look period of at least 15 days, as long as you have not filed a claim or departed. After that, refunds are generally not available.
Are kids covered free on Allianz?
On OneTrip Prime, children 17 and under are covered free when traveling with a parent or grandparent, except for Pennsylvania residents.
Does Allianz travel insurance cover COVID-19?
OneTrip Prime includes epidemic coverage, which adds covered reasons such as getting sick with COVID-19 before or during your trip. It does not cover canceling because you are worried about an outbreak.
Is the Allianz annual plan worth it?
If you take several trips a year, an AllTrips plan can cost less than buying single trip policies. Check the limits: AllTrips Prime pays only $20,000 of medical per trip and covers trips up to 45 days.
What is the Allianz assistance fee settlement?
A $19.75 million class settlement for California and Washington buyers over assistance fees bundled into plan prices. It received final approval in October 2024, but payments are on hold pending an appeal.
Sources (12)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Allianz Travel Insurance: Home (underwriters and AM Best ratings) (accessed October 12, 2026)
- Allianz Travel Insurance: OneTrip Prime (accessed October 12, 2026)
- Allianz Travel Insurance: OneTrip Premier (accessed October 12, 2026)
- Allianz Travel Insurance: OneTrip Basic (accessed October 12, 2026)
- Allianz Travel Insurance: Compare annual plans (accessed October 12, 2026)
- Allianz Travel Insurance: Free look period (accessed October 12, 2026)
- BBB: Allianz Global Assistance (accessed October 12, 2026)
- Trustpilot: Allianz Partners USA reviews (accessed October 12, 2026)
- NAIC: Should I get travel insurance? (accessed October 12, 2026)
- Open Class Actions: Allianz travel insurance settlement payment status (accessed October 12, 2026)
- Allianz Travel Insurance: OneTrip Emergency Medical (accessed October 12, 2026)
- World Nomads: U.S. travel insurance plans (accessed October 13, 2026)
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