Allianz Travel Insurance Review – Forbes Advisor

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Allianz OneTrip basic plan

This is the most cost-effective comprehensive travel insurance plan from Allianz. Here are the types of coverage you will find with OneTrip Basic:

  • Travel cancellation coverage up to $ 10,000
  • Travel disruption coverage up to $ 10,000
  • Travel health insurance up to $ 10,000
  • Emergency medical shipment coverage up to $ 50,000
  • $ 500 for lost or damaged luggage
  • $ 200 for baggage delays after a 12-hour wait
  • Travel delay $ 300 (daily limit $ 150) after a six-hour waiting period
  • 24-hour assistance line
  • Epidemic coverage approval

Allianz OneTrip Prime Plan

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

In addition, you will receive free coverage for one child under the age of 17 traveling with you. In addition, you may choose to receive a flat-rate payment of $ 100 per day as part of the delay benefits, and you will not need to provide confirmation.

Here are the types of coverage you will find with OneTrip Prime:

  • Travel cancellation coverage up to $ 100,000
  • Disruption coverage up to $ 150,000
  • Urgent health insurance up to $ 50,000
  • Emergency medical coverage up to $ 500,000
  • $ 1,000 baggage loss or damage coverage
  • Baggage delay coverage of $ 300 after a 12-hour waiting period
  • Travel delay $ 800 (daily limit $ 200) after a five-hour waiting period
  • 24-hour assistance line
  • Concierge service
  • Epidemic coverage approval

OneTrip Prime offers the following enhancements:

  • OneTrip Rental Car Protector. This provides primary collision coverage for the rented car.
  • Required for work. This adds travel cancellation and interrupt coverage for work-related emergencies covered by your policy.

Allianz OneTrip Premier plan

This plan includes many types of coverage than the OneTrip Prime plan, but you will get higher limits for most types of coverage.

  • Travel cancellation coverage of up to $ 100,000, including NOAA hurricane warnings as a covert reason
  • Disruption coverage up to $ 150,000
  • Urgent health insurance up to $ 50,000
  • Emergency medical shipment coverage up to $ 1,000,000
  • $ 2,000 in lost or damaged luggage
  • Baggage delay coverage of $ 600 after a 12-hour waiting period
  • Travel delay $ 1,600 (daily limit $ 200) after a three-hour wait
  • 24-hour assistance line
  • Concierge service
  • Epidemic coverage approval

In addition, you get optional types of coverage that can appeal to more adventurous travelers:

  • Smart benefits. You can choose a fixed inconvenience fee of $ 100 per person per day if your trip is delayed due to an issue that is subject to your policies. You do not need any receipts, only proof of delay.
  • Sports traveler. If you miss a sporting event due to an issue that is subject to your rules, it will cover prepaid sporting fees up to the maximum amount stated in the schedule.
  • Loss of sports equipment. It pays to replace or repair your sports equipment in the event of problems covered by the policy.
  • Sports equipment rental. This will refund you up to $ 1,000 if you need to rent replacement sports equipment in case of loss, theft, delay or damage.
  • Vehicle return. It will be worthwhile for you to return your personal, rented or rented vehicle to your primary address if you are unable to drive due to an insured problem.
  • Change the exclusion of adventure and sport. This removes the exclusion of coverage for certain activities such as caving, repeling, speleology, bungee jumping and scuba diving at depths greater than 30 feet for scuba diving and 100 feet for scuba diving. This coverage is automatically included in your policy.
  • OneTrip Rental Car Protector. This supplement provides primary collision coverage for the rented car.

Allianz OneTrip contingency plan

This plan combines travel health insurance with post-departure benefits such as travel delays, baggage delays and lost baggage. It is intended for those who have not paid much on non-refundable deposits.

  • Urgent health insurance up to $ 50,000
  • Emergency medical transportation up to $ 250,000
  • Baggage loss and damage coverage up to $ 2,000
  • Baggage delays of up to $ 750 after a 12-hour wait
  • Travel delays of up to $ 1,000 after a six-hour waiting period
  • Travel accident coverage up to $ 10,000, cash payment for death, limb loss or sight due to covered accident
  • 24-hour assistance line
  • Concierge services
  • Epidemic coverage approval

Allianz OneTrip Plus cancellation plan

This itinerary is for home travelers on a budget who need travel cancellation insurance and coverage for breaks and delays, but who do not need health insurance and do not want luggage coverage.

  • Travel cancellation coverage up to $ 5,000
  • Travel disruption coverage up to $ 5,000
  • Travel delay coverage up to $ 150 (daily limit $ 150) after a six-hour waiting period
  • 24-hour assistance line
  • Epidemic coverage approval

Allianz OneTrip Rental Car Protector Plan

This plan is for people who want to cover car rental during their trip.

  • $ 50,000 for collision damage coverage that covers costs or your rent in the event of theft or damage in an insurance-covered accident or when it is parked
  • Travel disruption coverage up to $ 1,000
  • Baggage loss or damage coverage up to $ 1,000
  • 24-hour assistance line

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