Allianz Travel Insurance: The Guide to Their Different Plans

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Planning a vacation can be fun, but it can also be stressful. What if something happens and you have to cancel your trip? What if you get sick while you’re away? These are just some things that can go wrong when you’re traveling. That’s why it’s essential to have Allianz travel insurance. Allianz is one of the biggest providers of travel insurance globally, and they offer a variety of insurance plans to choose from. In this guide, we will discuss Allianz’s different plans and help you decide which one is right for you!

Who Is Allianz?

Allianz is a leading travel insurance provider. They are headquartered in Germany and have been in business for over 100 years. Allianz offers various plans, so it is sure to meet your needs.

What Is Allianz Travel Insurance, And How Does It Work?

Allianz Travel Insurance is insurance that you can purchase for your trip. It will cover you in the event of cancellation, medical emergencies, baggage delay, lost luggage, and more. You can buy Allianz Travel Insurance through their website or a travel agent.

Allianz insurance benefits have different plans that offer different levels of coverage. The most basic plan, the Allianz Basic Plan, covers trip cancellation and interruption, medical expenses, lost luggage, and more. The Allianz Deluxe Plan covers rental car damage, travel delay, and missed connections. Finally, the Allianz Premium Plan is their most comprehensive plan and includes all of the features of the other two plans, plus additional coverages like emergency evacuation and 24/hour assistance.

How Much Does Allianz Travel Insurance Cost?

The cost of your travel insurance will depend on a few factors, including the length of your trip, the destination, and the plan you choose. The Allianz Basic Plan starts at $14 per day for trips up to 30 days. The Allianz Deluxe Plan starts at $23 per day, and the Allianz Premium Plan starts at $31 per day.

What Are The Benefits Of Purchasing Travel Insurance?

There are many insurance benefits to purchasing travel insurance. First, it will give you peace of mind knowing that you are covered if something goes wrong on your trip. Second, it can save you money if you have to cancel your trip or if you have an emergency while you’re away. Third, it will give you access to 24/hour assistance to get help if you need it.

Is Allianz Travel Insurance Worth It?

Allianz Travel Insurance is worth it for many people. It is especially worth it if you are traveling to a foreign country or going on a long trip. Allianz is a reputable company with over 100 years of experience. They offer a variety of plans to find the one that best meets your needs. In addition, Allianz Travel Insurance is affordable, starting at just $14 per day.

How Do I Purchase Allianz Travel Insurance?

You can purchase Allianz Travel Insurance through their website or a travel insurance agent. If you are buying it through their website, you will need to enter your trip information and choose the plan you want. If you purchase it through a travel agent, they will help you choose the right plan for your needs.

No matter where you purchase your Allianz Travel Insurance, read the fine print to understand what insurance benefits are covered and what is not.

Now that you know more about Allianz Travel Insurance, you can decide if it’s right. Allianz is a great option if you’re looking for a reputable company with various plans to choose from. They are also affordable, starting at just $14 per day. So, if you’re looking for travel insurance, be sure to check out Allianz!

Different Types of Plans Offered by Allianz:

  • Single Trip Plans: These plans are for those taking a one-time trip.
  • Multi-Trip Plans: These plans are for those who travel frequently. If you take three or more trips per year, this is your plan.
  • Medical Plans: These plans are for those who need coverage for medical expenses while traveling.
  • Annual Plans: These plans are for those who travel frequently and want coverage for an entire year.
  • Domestic Plans: These plans are for those traveling within the United States.
  • International Plans: These plans are for those traveling outside the United States.
  • Cancellation Plans: These plans cover you if you have to cancel your trip for a covered reason.
  • Baggage Plans: These plans cover you if your baggage is lost or damaged while traveling.
  • Allianz Rental Car Insurance: This is an optional add-on that covers you for damages to a rental car.

How to Choose the Right Plan

When choosing a plan, it’s essential to consider what type of travel insurance coverage you need. For example, do you need emergency medical coverage? Do you need coverage for trip cancellation? These are just some of the things you’ll need to consider. Once you know what type of coverage you need, you can compare the different plans offered by Allianz and choose the one that’s right for you!

Rental Car Coverage: If you’re renting a car, you can buy insurance from Allianz to cover you for up to $50,000 if something happens to the car. It costs $11 per day.

AllTrips Basic: If you want coverage for your trip, no matter where you go, the AllTrips Basic plan is a good option. The plan includes benefits like baggage coverage and rental car damage, and theft coverage. It’s perfect for weekend getaways, road trips, and business travel. Keep in mind that the plan does not include trip cancellation/interruption coverage.

OneTrip Prime: OneTrip Prime is a great choice for vacations because it includes key benefits like trip cancellation/interruption, emergency medical, and emergency transportation. If you have to cancel your trip for a covered reason, Trip Cancellation benefits can reimburse your pre-paid, non-refundable expenses like vacation rental costs, transportation costs, and even campground reservations. Pre-existing medical condition coverage is available too. Kids 17 and under are covered for free when traveling with a parent or grandparent.

OneTrip Premier: OneTrip Premier offers more benefits than OneTrip Prime. With up to $50,000 in emergency medical benefits and up to $1 million in emergency transportation benefits, your family will be protected. If you have to cancel your trip, Trip Cancellation Benefits can reimburse your prepaid expenses like vacation rental costs, resort fees, and transportation costs. Kids 17 and under are free when traveling with a parent or grandparent.

OneTrip Premier offers a $100 payment if something goes wrong with your trip and you have to delay or cancel. You don’t need to provide any receipts to get this payment. If you’re renting a car, you can also upgrade your plan to include the OneTrip Rental Car Protector.

OneTrip Emergency Medical/Dental: OneTrip Emergency Medical is a flexible and affordable option that includes emergency medical and transportation benefits, as well as benefits for travel delays, missed connections, and lost/stolen or damaged baggage. This plan is designed for travelers who have few prepaid expenses and does not include trip cancellation or interruption benefits.

OneTrip Cancellation Protection: If you have to cancel, interrupt or delay your trip due to a covered emergency, our OneTrip Cancellation Plus plan will protect your investment. This plan covers trip cancellation, trip interruption, and travel delay. So you can worry less and enjoy your trip knowing that you’re covered if something unexpected happens. If you have to cancel your trip, we may reimburse you for prepaid, non-refundable expenses like vacation rental costs, transportation costs, and campground reservations.

AllTrips Executive

The AllTrips Executive Plan is designed to help you when you have to travel for work. If something happens and you have to cancel your trip, or if you get sick while you’re away, the plan will help. You’ll also be covered if your luggage is lost or stolen or if your rental car gets damaged. One of the special features of the AllTrips Executive Plan is that it includes insurance for business equipment. If your equipment is lost, stolen, damaged, or delayed by an airline or other carrier, you can be reimbursed for the reasonable costs. The AllTrips Executive Plan also covers personal travel/vacations.

Single Trip vs. Annual Trip Insurance

Trip Delay Vs. Cancellation Insurance

Benefits Offered

The following benefits could be offered in various plans.

Epidemic Coverage Endorsement

The Epidemic Coverage Endorsement page in your plan details explains the specific reasons you can be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip. These reasons include being diagnosed with an epidemic disease such as COVID-19.

Trip Cancellation

If you have to cancel your trip because of a covered reason, the OneTrip Premier Plan will reimburse your pre-paid, non-refundable expenses. This is the only plan from Allianz Global Assistance that includes a NOAA hurricane warning as a covered reason for trip cancellation. Please read your plan documents for details.

Trip Interruption

The insurance company will reimburse you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home. This will happen if there is a covered reason.

Emergency Medical

The insurance policy will cover you for any medical or dental emergencies that happen while you are on your trip. The maximum amount that will be covered for dental expenses is $750.

Emergency Medical Transportation

This insurance policy will help pay for transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Baggage Loss/Damage

This insurance will help you if your baggage or personal effects are lost, damaged, or stolen.

Baggage Delay

If your baggage is delayed or lost by a common carrier for 12 hours or more, you can be reimbursed for the reasonable additional purchase of essential items during your trip. (Receipts for emergency purchases are required.) You can also choose to receive a fixed inconvenience payment of $100 after a covered baggage delay, with no receipts required (just proof of delay).

Travel Delay

If your trip is delayed for three or more hours, and it’s because of a covered reason, you may be able to get up to $200 per day per person to cover additional travel and lost prepaid expenses. If you miss your cruise or tour because of a covered delay, you may be able to get reimbursed for additional transportation expenses. You can also choose to receive a fixed inconvenience payment of $100 per day after a covered travel delay without needing any receipts.

SmartBenefits

If you have a travel delay or baggage delay, you can choose to receive a fixed inconvenience payment of $100 per person per day. You don’t need to provide any receipts – just proof that the delay occurred. If your travel delay happens on a flight monitored by Allianz Global Assistance, you will automatically receive the payment. You can submit your flight itinerary online.

Sports Traveler

Reimburses you for prepaid sports fees if you have to cancel or interrupt your trip. The amount you get depends on the maximum benefit amount listed in your plan documents, minus any refunds you might get.

Sporting Equipment Loss

If your sporting equipment is damaged or lost while you are traveling, this insurance will reimburse you for the cost to repair or replace it up to a certain amount.

Sporting Equipment Rental

If your rental sports equipment is lost, stolen, damaged, or delayed, this insurance will cover the cost of renting replacement equipment. The amount that will be reimbursed depends on your policy documents.

Vehicle Return

If you cannot drive your car for a covered reason, this insurance will reimburse you for the reasonable costs to have it brought back to your primary residence.

Adventure & Sports Exclusion Change

Waives exclusions for some losses if you participate in certain higher-risk sports, like bungee jumping, caving, repelling or spelunking, and diving at depths greater than 30 feet (free diving) or 100 feet (scuba diving) during your trip.

24-Hr Hotline Assistance

If you have an Allianz Global Assistance policy, you will never have to travel alone. Allianz’s multilingual assistance team is available 24/7 to help with any covered emergencies you might experience while traveling. They can help you find local medical and legal professionals, send a message home, help re-book your flight and/or hotel arrangements, and assist with many other issues that might arise while you’re on vacation.

Concierge

This application provides personalized information about your destination. It can help you make reservations for restaurants, tee times, and tickets to events.

Pre-Existing Medical Condition

If you, a traveling companion, or a family member has a medical condition, your plan may provide coverage for that condition. They call this a pre-existing medical condition. This means that within 120 days before and including the purchase date of this policy, the person had an injury, illness, or other medical condition.

How to Get a Quote

Getting a quote from Allianz is easy! You can either call them or get a quote online. Visit their website and enter your trip information to get a quote online. You’ll then see all of the different plans they offer and compare them side-by-side.

How to Make a Claim

If you need to make a claim, you can call Allianz or submit your claim online. To submit your claim online, you’ll need to log in to your account and follow the instructions. You’ll then be able to upload any supporting documentation and track the status of your claim.

Allianz Travel Insurance Review

We think Allianz is an excellent option for travel insurance and is one of the world’s largest insurance companies. They offer a variety of plans to choose from, so you can find the one that’s right for you. They also offer discounts on their policies, so be sure to take advantage of them! Overall, we highly recommend Allianz for your travel insurance needs.

Conclusion

So, which plan is right for you? It all depends on your needs. If you’re a very cautious traveler, you might want to consider the Elite Plan. But if you’re on a budget, the Standard Plan might be a better option for you. Whichever plan you choose, Allianz Travel Insurance products will give you peace of mind knowing that you’re covered if something goes wrong on your trip.

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