About Allianz Travel Insurance

Allianz Travel Insurance stands out as a top choice for travelers seeking reliable coverage, particularly catering to the needs of business travelers. While it does provide single-trip insurance, its annual plans offer superior value for those who travel frequently. Additionally, Allianz offers coverage for stolen, lost, or damaged business equipment, ensuring comprehensive protection. Weary road warriors can also take advantage of their concierge service and specialized trip cancellation coverage for work-related purposes.

 

 

Travel Insurance Plans

Travel insurance serves as a safeguard for your trip investment by offering crucial pre- and post-departure benefits that can offer compensation when unexpected circumstances arise. This means that if you’re forced to cancel a trip or cut it short due to a covered issue outlined in your policy, you can potentially recoup some of your expenses.

Travel medical insurance covers medical expenses in case you fall ill or sustain an injury during your journey. This coverage is particularly crucial for international travelers who may not have access to their domestic health plans while abroad. Allianz travel insurance plans are divided into two primary categories: single-trip travel insurance plans and multi-trip/annual travel insurance plans.

Single-Trip Travel Insurance Plans

OneTrip Basic Plan

This comprehensive travel insurance plan from Allianz is designed to be budget-friendly, catering to travelers who may not have substantial nonrefundable trip expenses. Despite its affordability, it offers essential core benefits such as trip cancellation, trip delay, and trip interruption insurance, albeit at lower coverage limits.

OneTrip Prime Plan

Similar to the OneTrip Basic plan, this policy offers enhanced coverage limits and additional perks. Notably, you’ll have access to Allianz concierge services, providing assistance with various travel needs including restaurant reservations. Moreover, you’ll receive complimentary coverage for one child under the age of 17 traveling with you. Another advantage is the option to receive a flat payment of $100 per day under the travel delay insurance benefits, without the need to provide receipts.

OneTrip Premier Plan

This plan encompasses many of the coverage types found in the OneTrip Prime plan but with higher limits for most coverage categories. Additionally, it features the Trip Change Protector, offering compensation of up to $1,000 if you need to cancel or modify your airline, rail, cruise, or tour itinerary for reasons outlined in the policy. Furthermore, optional coverage types are available, catering to the needs of more adventurous travelers:

• Sports Traveler: Provides coverage for prepaid sporting fees up to the maximum amount specified in the plan if you miss a sporting event due to a covered issue outlined in your policy.

• Sporting Equipment Rental coverage: Reimburses you up to $1,000 if you need to rent replacement sporting equipment due to loss, theft, delay, or damage to your own equipment.

• The Sporting Equipment Loss coverage: This reimburses you for the replacement or repair of your sporting equipment in the event of covered issues outlined in your policy.

• SmartBenefits: Offers you the option to receive a fixed inconvenience payment of $100 per person per day in case your trip is delayed due to a covered issue outlined in your policy. No receipts are necessary; you simply need to provide proof of the delay.

• Adventure & Sports Exclusion Change: This benefit removes the coverage exclusion for certain high-risk activities such as caving, rappelling, spelunking, bungee jumping, and diving at depths exceeding 30 feet for free diving and 100 feet for scuba diving. This coverage is automatically included in your policy.

• OneTrip Rental Car Protector: This optional add-on offers primary collision coverage for a rental car, providing added protection during your travels.

• Vehicle Return: In the event that you are unable to drive your personal, leased, or borrowed vehicle due to a covered issue outlined in your policy, this coverage pays for the return of the vehicle to your primary address.

OneTrip Emergency Medical Plan

This plan combines travel medical expense insurance with post-departure benefits including coverage for travel delay, baggage delay, and lost baggage. It’s tailored for individuals who haven’t invested heavily in non-refundable deposits for their trip.

OneTrip Cancellation Plus Plan

This travel plan is specifically crafted for budget-conscious domestic travelers who require trip cancellation, interruption, and delay coverage but do not require medical insurance or baggage coverage.

OneTrip Rental Car Protector Plan

This plan is tailored for individuals seeking coverage for rental cars during their trip. It offers the following benefits:

• A $50,000 collision damage waiver provides coverage for expenses accrued if your rental car is stolen or damaged in a covered accident or while parked.

• Trip interruption coverage up to $1,000

• Lost or damaged baggage coverage up to $1,000

• 24-hour hotline access

Multi-Trip Travel Insurance Plans

Multi-trip and annual travel insurance plans are ideal for travelers who embark on multiple trips throughout the year. These policies are often more cost-effective and convenient compared to purchasing separate insurance policies for each trip. Allianz multi-trip or annual travel insurance plans offer four options, three of which resemble the single-trip plans mentioned earlier.

AllTrips Basic Plan

The basic plan does not include trip cancellation or interruption benefits, but it does provide emergency medical coverage, as well as coverage for baggage loss and delay, travel delay, and travel accident. Additionally, it offers rental car theft and damage coverage. However, it’s important to note that rental car coverage is not available for residents of Kansas, New York, or Texas. Residents of Washington should review their plan details to determine if rental car coverage is included.

AllTrips Prime Plan

This plan provides cancellation and interruption reimbursements, along with coverage for pre-existing medical conditions. It offers the same level of coverage as the basic plan for emergency medical expenses, post-departure benefits, and rental car coverage.

AllTrips Premier Plan

Similar to the Prime plan, this version of the Premier offers enhanced benefits. It includes coverage for pre-existing medical conditions and cancellation options. Notably, the cancellation and interruption benefits in this plan offer various options, allowing you to customize your coverage to fit your budget and specific needs.

AllTrips Executive Plan

This plan is specifically designed for frequent business travelers, offering essential benefits such as cancellation, interruption, emergency medical, and baggage coverage. Additionally, it includes business equipment rental coverage to cater to the unique needs of business travelers.

Cost of Insurance

The price of an Allianz travel insurance plan depends on factors such as the cost of your trip, your age, and the amount of coverage you choose. On average, travel insurance typically amounts to approximately 5% to 6% of the total cost of your trip, according to Forbes Advisor’s examination of travel insurance rates.

Trip and No. of Travelers	OneTrip Premier Cost
Two 30-year-old travelers Cost: $30,000 Destination: Mexico Duration: 8 days	$264
Two 70-year-old travelers Cost: $3,000 Destination: Mexico Duration: 8 days	$498
Two 40-year-old travelers Cost: $6,000 Destination: Italy Duration: 17 days	$452
Two 40-year-old parents + two children Cost: $15,000 Destination: Italy Duration: 17 days	$572
Two 65-year-old travelers Cost: $6,000 Destination: Italy Duration: 17 days	$658
Average cost for all trips	$488

How to File a Claim?

To file a claim with Allianz, you have several options available, including email, fax, mail, or through the Allianz app. Additionally, you can submit your claim online. To do so, you’ll need your email address, policy number, and any supporting documentation. Here are the steps to file your claim online:

1. Visit www.allianztravelinsurance.com.

2. Click on “File a Claim.”

3. Enter your policy details as prompted.

4. Determine which forms and documentation are necessary for your claim.

5. Submit your claim and keep track of your claim status through the provided tools on the website.

To file your claim by email, send it to claimsinquiry@allianzassistance.com. Alternatively, you can file your claim by phone by calling (800) 334-7525. Be sure to check Allianz’s website for specific requirements regarding supporting documentation, depending on the type of claim you’re filing. For instance, if you’re filing a baggage delay claim, you’ll typically need proof of the delay and receipts for any items you purchased while your baggage was delayed.

Customer Support

Allianz Travel Insurance operates under the umbrella of Allianz Global Assistance, headquartered in Richmond, VA. You can reach the company via the Allianz website or through the following contact information:

Phone Number: 1-866-884-3556

Mailing Address: P.O. Box 71533, Richmond, VA 23255-1533

Emergency Assistance:

• U.S.: 1-800-654-1908
• International: 1-804-281-5700

Conclusion

Allianz is widely recognized as one of the leading travel insurance providers for business travelers, primarily because of its specialized annual plans crafted specifically for frequent travelers. Allianz Travel Insurance boasts round-the-clock availability of staff for answering inquiries, while their concierge services offer assistance throughout the trip. Supported by a financially stable parent company, Allianz makes its plans accessible in most states. However, it’s worth noting that the company’s medical expense coverage limits are comparatively lower than those offered by some competitors.