allianz se travel insurance

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

328 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

47 Published Articles 3397 Edited Articles

Countries Visited: 50 U.S. States Visited: 28

Table of Contents

Why purchase travel insurance, travel insurance and the covid-19 virus, types of travel insurance policies available with allianz, how to obtain a quote with allianz, additional travel insurance offered by allianz, how allianz compares, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

There are a lot of choices when it comes to travel insurance companies , so narrowing your selection to those that have a solid financial rating, offer products that provide good value, and receive high customer ratings should be baseline criteria.

Allianz Global Assistance company ( Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products. It also serves over 45 million customers in the U.S. each year with 84% of those customers giving the company a 5-star rating.

Allianz has also been around a long time. In fact, the company was there to insure the Wright Brothers’ first flight and the construction of the Golden Gate Bridge — so you know you’re working with an established organization. You’ll also find that Allianz does business in more than 35 countries.

Let’s take a look specifically at Allianz Travel’s insurance products, show you how to obtain a quote, and give you some tips on purchasing and comparing travel insurance policies.

And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.

Travel insurance can protect your trip investment with coverage for disruption due to unforeseen events such as severe weather, should you become ill, for illness in your family, missed connections, medical emergencies, and more.

Deciding whether to purchase travel insurance for your trip is an option each time you make a travel booking. The coverage is commonly offered by airlines, cruise companies, tour operators and other travel providers at the point of sale. If you travel infrequently and the cost is relatively low, you may just opt for the coverage during the booking process.

However, if you’re going to be taking several trips, you may be able to save money and receive better coverage if you compare with other travel insurance policies in the marketplace. Additionally, you’ll want to determine if it makes sense to purchase single insurance coverage for each trip or an annual all-trips-included policy.

Situations where it makes sense to purchase travel insurance include the following:

• You’re booking an expensive trip that includes a lot of non-refundable upfront expenses
• Your trip includes several travel providers (i.e. airlines, hotels, and tour operators)

While travel insurance is meant to cover unforeseen events, purchasing Cancel for Any Reason coverage may allow you to cancel your trip for any reason.

Bottom Line: If you’re uncomfortable with the amount of money you have at risk when you travel, securing travel insurance can provide immediate peace of mind . You’ll have solace in knowing that if you needed to cancel your travel plans due to a covered event or if your travel is disrupted, you’ll be able to recoup most, or all, of your investment.

Most travel insurance policies do not provide coverage for trip cancellation due to fear of the coronavirus pandemic . However, COVID-19 is an included illness on many travel insurance policies as it relates to certain coverages such as emergency medical care while traveling and canceling a trip if you become ill with the virus. You may also have coverage if a family member or travel companion contracts the virus and you must cancel your trip as a result.

The only way to cover trip cancellations due to fear of contracting COVID-19 is to purchase Cancel for Any Reason insurance. This coverage can be added to a comprehensive travel insurance policy (with limitations) and subsequently allows you to cancel your trip for any reason.

While Allianz does not offer Cancel for Any Reason insurance , it may cover COVID-19 related illness in the following circumstances:

• Emergency medical care while traveling
• Trip cancellation due to becoming ill with the virus

Allianz Epidemic Coverage Endorsement

Allianz recently announced that it is adding a new endorsement to select policies that will offer limited coverage for COVID-19 . Circumstances such as becoming ill with COVID-19 and having to cancel your trip, hospitalization, and trip delays due to such illness while traveling will have coverage.

Emergency transportation coverage has also been expanded to include COVID-19-related illness. Terms and conditions apply and the endorsement is not available on all policies Allianz offers.

You can find policies that offer Cancel for Any Reason insurance at TravelInsurance.com  and Aardy.com .

Bottom Line: Travel insurance policies normally do not cover canceling your trip because of fear you might get ill. However, Cancel for Any Reason insurance allows you to cancel a trip for any reason you determine is necessary. 

Allianz Travel offers 2 core types of travel insurance plans: single trip plans and multi-trip plans . Each plan allows you to select the level of coverage you want and subsequently, the level of premium you prefer to pay.

We’ve used criteria to obtain a quote for a traveler age 35, traveling for 1 week to Mexico on a trip costing $3,000 . All benefits are per person, per trip, unless otherwise noted.

OneTrip Plans — For Affordability and Select Coverages

The single trip option allows you to select from a Basic, Prime, or Premier plan. Premiums vary by plan and coverage levels.  For the example we selected, the premiums ranged from  $116 for the Basic to $192 for the Premier pla n .

OneTrip Basic Plan — the Most Affordable Plan

The OneTrip Basic plan offers basic trip protection at an affordable price.

OneTrip Prime Plan — the Most Popular Plan

Need more coverage but still want your travel insurance protection to be affordable? The OneTrip Prime plan offers higher coverage limits at a reasonable cost.

The following are the maximum coverage limits for OneTrip plans. These coverages can be found under the OneTrip Premier Plan:

• Trip Cancellation —  up to $100,000 reimbursement for prepaid non-refundable expenses; pre-existing medical conditions included
• Trip Interruption —  up to $150,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event; pre-existing medical conditions included
• Emergency Medical — up to $25,000
• Emergency Medical Transportation — up to $500,000 for transportation to the nearest medical facility
• Baggage Loss/Damage — up to $1,000 for theft, loss, or damage
• Baggage Delay —  up to $300 for delays 12 hours or more
• Trip Delay — up to $800 ($200/day for 4 days) for delays of 6 hours or more, for eligible expenses; an option to receive $100/day with no receipts required is also available
• Change Fee Coverage — $500
• Loyalty Program Re-deposit Fee Coverage — $500, covers re-deposit of points/miles due to covered trip cancellation
• 24 Hour Hotline Assistance
• Optional coverages include pre-existing medical coverage, rental car coverage, and required to work coverage — restrictions apply

Also worth noting is that kids age 17 and under are covered at no additional charge when traveling with a parent or grandparent.

Bottom Line: Allianz offers several levels of single-trip travel insurance plans that can fit every budget and level of coverage needed. 

AllTrips Annual Plans — Cover All of Your Trips for a 12-Month Period

If you’re a frequent traveler and want to ensure all of your trips are covered without having to purchase individual travel insurance policies, one of the AllTrips plans might be an appropriate choice. All of the trips you book within the 12-month policy period are covered automatically.

Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent.

The AllTrips Executive plan is the most comprehensive policy and includes the maximum coverage limits listed below . AllTrips Prime and AllTrips Basic have less coverage than the Executive plan but may still be appropriate for your situation.

For example, the AllTips Basic plan does not include trip cancellation/interruption insurance but has emergency medical, evacuation, trip delay, baggage insurance, and car rental insurance.

• Trip Cancellation —  up to $10,000 reimbursement for prepaid non-refundable expenses
• Trip Interruption —  up to $10,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event
• Emergency Medical — up to$50,000
• Emergency Medical Transportation — up to $250,000 for transportation to the nearest medical facility
• Baggage Loss/Damage —  up to $1,000 for theft, loss, or damage
• Baggage Delay — up to $1,000 for delays 12 hours or more
• Trip Delay —  up to $200 per day for eligible expenses, up to $1,600 in coverage , for delays of 6 hours or more
• Rental Car Damage and Theft — up to $45,000
• Business Equipment Coverage — up to $1,000
• Change Fee Coverage — up to $500
• Loyalty Program Redeposit Fee — up to $500
• Travel Accident Insurance — up to $50,000
• Concierge Services
• Optional Pre-Existing Medical Coverage — restrictions apply

Bottom Line: Allianz’s AllTrips 12-month plans offer affordable options to cover every trip you have booked or have yet to book within a 12-month period. 

Travel insurance is one of the easiest policies for which to obtain a quote and subsequently purchase a policy. Unlike auto or home insurance, you simply input some basic information about your trip, your age, where you reside, and your quote is instant.

You can then read through the coverages, select a policy that fits, and hit the purchase button. There is also no risk as you’ll have a free-look period where you can review the policy and decide whether to keep it or not.

If not, you can get a full refund. This period can be 10-14 days after purchase , depending on your plan and state regulations.

In addition to the travel insurance packages offered by Allianz, you can purchase these additional plans and coverages available for single trips:

OneTrip Emergency Medical Plan

If trip interruption/cancellation is not important to you, you’ll find this plan with emergency medical, baggage insurance , emergency transport, travel accident coverage , and trip delay an affordable alternative.

OneTrip Cancellation Plus Plan

If you need to cancel your trip for a covered reason or your trip is interrupted for a covered event, you’ll have coverage. Trip delay and 24-hour assistance are included.

Rental Car Damage Protector

For $9 per day, receive rental car damage/theft coverage, rental car trip interruption protection, and baggage loss coverage.

Hot Tip: If trip cancellation/interruption or trip delay coverage comes with your credit card is adequate for your trip but you want additional medical coverage, the Allianz’s OneTrip Emergency Medical plan may be a viable and affordable supplement. 

When it comes to comparing travel insurance policies, it’s difficult to match apples to apples. Coverages vary widely, as well as terms and conditions. The lowest-priced policy is not always the best value for your needs. The flip side is possible, too. You may find a policy with plenty of coverage at a price that is more than you want to spend.

The best solution is when you find a balance between coverage and cost.

Here’s how Allianz’s travel insurance offerings compare with other travel insurance options.

Allianz vs. Credit Card Travel Insurance

The coverage that comes with your credit card does not compare with a comprehensive travel insurance policy . In addition to the limited travel insurance coverage credit cards offer, if you do have a claim, you’ll have the potential hassle of dealing with a third-party claims administrator.

With that being said, the trip cancellation, trip interruption, trip delay insurance, and primary rental car insurance coverages found on several credit cards may be more than adequate for your trip.

Here are some of the best credit cards for travel insurance:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply With Confidence

Know if you're approved with  no credit score impact.

If you're approved and accept this Card, your credit score may be impacted.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees:  None

American Express Membership Rewards

The Amex Platinum card comes with trip cancellation and trip interruption insurance with a benefit of $10,000 per trip, up to a maximum of $20,000 per account per 12-month period.

Pay for your trip with your eligible card and you, your immediate family, and eligible traveling companions are covered for non-refundable expenses paid to the travel provider. Trip interruption coverage will also reimburse for additional travel expenses incurred due to a covered loss during your trip.

Trip delay coverage is also included on the Amex Platinum card for delays more than 6 hours. Reimbursement for incidentals and eligible incurred expenses is limited to $500 per trip with 2 claims allowed per 12-month period.

The Amex Platinum card also comes with emergency medical evacuation coverage .

For more information, check out our detailed guide to the travel insurance benefits offered by the Amex Platinum card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

Pay for your trip with your eligible card for up to $10,000 in coverage per person, $20,000 per trip, and up to $40,000 in a 12-month period. You and your qualifying immediate family are covered.

You’ll also find primary car rental insurance on the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® .

To learn more about the travel insurance benefits on the Chase Sapphire Preferred card , you’ll want to review this detailed article.

Chase Sapphire Reserve Card

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%–29.49% Variable

In addition to the same trip cancellation/interruption/delay coverage as the Chase Sapphire Preferred card, the Chase Sapphire Reserve card offers up to $2,500 in emergency dental and medical coverage , emergency medical evacuation .

For more information check out this guide to all of the travel insurance benefits offered by the Sapphire Reserve.

Allianz vs. Other Travel Insurance Companies

Before purchasing any travel insurance policy, it’s wise to compare — fortunately that’s an easy task to execute. With comparison sites such as the ones listed here, you can compare as many as 100 travel insurance policies very quickly and find a policy that fits your situation and budget.

Keep in mind that insurance rates and coverages are highly regulated by the states . Insurance companies file a certain policy for a certain price with the state insurance commission, then the company is allowed to offer that policy, at that price, in that state.

For this reason, you won’t find the same policy offered at different prices. However, you could find a policy that is a better fit and possibly for less money by comparing several companies’ offerings.

Not all comparison sites include Allianz but when comparing similar policies, you’ll find that the company is competitively priced (a few companies lower and many companies higher). Individual results will vary based on your criteria.

Here are 4 websites that allow you to easily compare travel insurance policies.

• Insure My Trip — With over 60,000 customer reviews, 21 highly-rated travel insurance providers, and a best price guarantee, Insure My Trip makes it easy to find the right travel insurance policy.
• Travelinsurance.com — Compare major top-rated travel insurance company policies easily with this licensed online insurance search engine.
• SquareMouth — This popular travel insurance search engine offers easy comparisons of hundreds of policies offered by dozens of highly-rated insurance companies.
• Aardy — AardvarkCompare is a licensed travel insurance company with agents on staff to help you find the right travel insurance policy. Its website allows you to compare the policies of over 30 travel insurance providers.

There are also specialty companies such as World Nomads  that do a great job providing travel insurance for active individuals. If you’re into outdoor sports, adventure activities, or even more risky activities such as skydiving, you can find coverage through World Nomads.

Bottom Line: If you’re looking to purchase a travel insurance policy, you’ll want to compare companies and policies . First, look at companies with a strong financial rating, select a policy with coverages that are a priority to you, then select a premium you’re comfortable paying. 

Allianz vs. Point-of-Sale Travel Insurance and Protection

Allianz is actually one of the companies that provides the travel insurance you’re offered when you book a flight. An example is displayed in the above image of their offerings when you purchase a Delta Air Lines ticket.

Point-of-sale travel insurance, however, can run from inexpensive options that offer little coverage to expensive options that provide greater coverage but still have limitations, similar to stand-along travel insurance policies.

If you fly once or twice a year, the coverage is adequate for your needs, and the cost is reasonable, you may easily choose to go this route and purchase coverage at the point of sale. However, you may fare better by securing a separate travel insurance quote to compare coverage/cost.

Always read the fine print before purchasing any coverage to ensure you’re getting the coverage you expect. For example, one might assume by looking at this example that canceling the trip would be covered, when in reality the covered reasons are limited.

Bottom Line: Even for point-of-sale travel insurance to cover a single travel purchase, it’s good to get a comparison quote. Securing a quote may save you money while offering broader coverage that could cover your entire trip versus just a portion of it. 

Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.

One downside of Allianz is that the company does not sell Cancel for Any Reason Insurance . This is not an issue if you understand this up front and know that your policy does not allow you to cancel a trip for just any reason. After all, this is the case with most travel insurance — there are specific covered reasons for being able to cancel a trip and have coverage.

Cancel for Any Reason insurance can also result in a premium as much as 70% more than a standard policy, so many travelers may not consider it due to its cost.

If money is not a concern, you can purchase as much insurance as you’d like to have. However, in reality, purchasing travel insurance that works for you involves finding a balance between the coverage you want and the maximum premium you’re willing to pay.

Allianz is a respected company that offers a variety of policy choices with appropriate coverage for the majority of travelers at price points that fit most budgets.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For rates and fees of The Platinum Card ® from American Express, click here .

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Allianz Travel Insurance Review (2024)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Our Thoughts on Allianz Travel Insurance

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad. This service includes help with hotel and flight re-bookings, stolen travel documents, medical care arrangements and more.

Allianz scored highly in the customer service and reviews section of our methodology. Along with 24-hour assistance and concierge services, it offers a mobile app and various ways to file a claim, according to our research. However, Allianz does not offer cancel for any reason (CFAR) coverage with any of its plans, an add-on that many other companies we’ve reviewed feature. It’s also one of the pricier providers we’ve gathered quotes for, so if you’re looking for a budget plan, Allianz may not be a good fit.

According to our survey of 1,000 people who have purchased travel insurance, 16% went with Allianz. Of those customers, 93% said travel insurance is worth the cost, with most citing peace of mind or financial protection as the reason.

Pros and Cons

Offers specialized plans for business and frequent travelers

Provides coverage for unique items in the event of loss or damage

Basic insurance may be more expensive than some competitors

Additional insurance is required to cover some adventure sports

How Allianz Travel Insurance Scored in Our Methodology

When we analyzed Allianz using our travel insurance ratings methodology, the company scored 4.1 out of 5 stars . The provider lost points in all categories except for coverage details and customer service and reviews and was awarded zero points for not offering cancel for any reason (CFAR) coverage.

Rating is based off of MarketWatch Methodology Guidelines

Compare Allianz to the Competition

Use the table below to compare average plan costs, “Cancel For Any Reason” (CFAR) coverage and COVID-19 coverages of all our top travel insurance providers to Allianz Global Assistance:

Allianz v. Seven Corners

When compared, Allianz and Seven Corners present different benefits. Seven Corners’ Trip Protection Choice plan is almost 33% cheaper than the Allianz OneTrip Premier plan, and it offers $500,000 in medical expense coverage versus Allianz’s $75,000. However, Allianz provides higher benefits for lost baggage and baggage delay coverage.

See the table below for a comparison of similar plans offered by Allianz and Seven Corners.

Read our Seven Corners Travel Insurance Review to learn more.

Allianz vs. Generali Global Assistance

Generali Global Assistance’s Premium plan costs slightly less than Allianz’s OneTrip Premier plan while providing more than double the medical expense coverage. Generali also provides 175% trip interruption coverage versus Allianz’s 150%. However, Allianz offers higher baggage delay and trip delay benefits.

Compare similar plans from Allianz and Generali Global Assistance using the table below.

Check out our Generali Global Assistance Travel Insurance Review to learn more.

What Does Allianz Travel Insurance Cover?

Allianz offers basic travel insurance with its OneTrip Basic plan and the coverage compares favorably to other providers. It’s marketed as a plan to fit your budget with essentials covered to offer peace of mind. Here are the insurance coverage limits offered by the Allianz OneTrip Basic plan:

• $10,000 of trip cancellation costs
• $10,000 of trip interruption costs
• $10,000 for emergency medical
• $500 for emergency dental expenses
• $50,000 emergency medical transportation
• $500 baggage damage/loss
• $200 baggage delay
• $300 travel delay

Allianz travel insurance coverage extends to other policies to suit a wide variety of travelers looking for a basic plan.

• OneTrip Emergency Medical: This affordable plan doesn’t include trip cancellation or trip interruption benefits. However, it offers emergency medical coverage up to $50,000 and travel accident coverage up to $10,000, among other benefits.
• AllTrips Basic: A more comprehensive plan that provides year-long protection for one low rate. It includes travel delay coverage of up to $600 and emergency medical coverage up to $20,000, along with baggage coverage of up to $1,200.

Optional Riders

Add-ons, also known as insurance riders, are travel insurance options you can add to a policy to increase your coverage. Allianz offers optional trip protection designed to safeguard you from financial losses regarding specific risks or activities.

• Hazardous Sports Travel Insurance: This add-on covers costs associated with certain activities, including deep-sea fishing, skateboarding and wall climbing. Other benefits include trip cancellation coverage for ski vacations of up to $500 and reimbursement of up to $300 for damaged, lost or stolen ski equipment.
• Terrorism Extension Cover: Covers loss, damage or injury in the event of an act of terrorism to you as an innocent bystander of up to $100,000.
• Cancel Anytime: Available with premium policies such as OneTrip Premier, this optional upgrade of cancel for any reason (CFAR) coverage reimburses 80% of non-refundable costs if you cancel your trip for reasons your standard plan may not cover.
• OneTrip Rental Car Protector: This rental insurance product provides coverage for rental car damage with collision, loss and damage up to $50,000. It also includes 24-hour emergency assistance.
• Required to Work: This add-on, which is included with the OneTrip Prime policy, provides trip cancellation and trip interruption coverage for work-related emergencies.

Allianz Plan Options

The chart below outlines the travel insurance policies offered by Allianz to help you compare plan details and coverage limits.

How Much Does Allianz Travel Insurance Cost?

According to our research, the average cost of Allianz is $275. This is on the more expensive end, approximately 35% more than the national average.

The cost of travel insurance depends on a range of factors, including your age, the destination and pre-existing medical conditions you may have. To help you understand costs when you get a quote, we gathered some samples from the Allianz website.

Use the chart below to compare Allianz's average cost to competitors:

Does Allianz Offer 24/7 Travel Assistance?

Allianz Global Assistance offers 24/7 travel assistance via a multilingual team for all travel insurance plans. The team helps travelers with issues pertaining to policy-covered reasons for requiring help. This includes, but isn’t limited to, medical care arrangements, hotel and flight re-bookings and stolen travel documents.

Allianz Travel Insurance Reviews

Our research team considers customer reviews and ratings when formulating a company's overall score. At the time of this review, Allianz held a 4.4 out of 5-star rating on Trustpilot. To better understand what consumers like and dislike about Allianz, we read the most recent customer reviews featured on Trustpilot.  

What Customers Like

• Excellent customer service: Several customers were impressed with the company’s kind, helpful and professional customer service agents. This reviewer , in particular, stated that their local travel agent highly recommended the company.
• Quick claims processing: Many reviewers noted an immediate company response to their claims, along with a timely review and reimbursement.
• Easy enrollment process: New policyholders, such as this one , praised Allianz’s easy and straightforward enrollment process when purchasing a policy.

What Customers Don’t Like

• Frustrating claims experience: While many customers were pleased with their claims experience, some reviewers spoke of waiting months to receive reimbursement.
• Denial of claims: Several customers noted they had all the proper documents for a claim as outlined in their policy terms, yet were still denied.
• Confusion around payment: Several policyholders noted that they requested direct deposit for claims payment and received a check in the mail instead.

We reached out to Allianz for comment on its negative customer reviews and received a response from Daniel Durazo, director of external communications for Allianz Partners USA.  

“Allianz Travel Insurance is a customer-focused insurance company that works hard to provide products and services that meet the changing needs of consumers,” he said. “The company is proud of its 4.4 rating on Trustpilot and has received multiple awards for outstanding customer service. While insurance claims do take some time to process, the average time from claim receipt to approval is 17 days, and half of all claims are approved within six days.”

How To File a Claim with Allianz

You can file a claim with Allianz Global Assistance online on the File a Claim page or in the TravelSmart app . Alternatively, call 1-866-884-3556 for 24/7 assistance. Provide your policy number, departure date, and policy type, and the Allianz website will guide you through the process. You’ll need supporting claim documents—the Allianz website has the required documents for each type of claim.

The process is straightforward, but they also have a video to demonstrate how to file a claim . You can monitor the status of existing claims in the app or online.

Is Allianz Travel Insurance Worth It?

Allianz is a good option for travelers since it offers a broad range of travel insurance policy options to suit almost anyone. From the OneTrip Basic Plan to the AllTrips Premier Plan, each policy provides sufficient coverage for emergency medical and trip cancellations while catering to different budgets and types of trips. All policies offer a high level of emergency assistance with 24/7 access to company support.

The AllTrips Executive Plan is well suited to business travelers, with coverage for business and rental equipment included. For all travelers, a choice of optional policy upgrades is useful, including CFAR and OneTrip Rental Car Protector. You can speak to a representative to help you understand which plan is right for you. Whichever policy you choose, Allianz offers affordable safeguards for your travels.

Read More: Travel Insurance For Parents Visiting The USA

Frequently Asked Questions About Allianz Travel Insurance

How does allianz travel insurance work.

Allianz travel insurance reimburses you for financial losses covered by your policy, once you’ve filed and received approval for a claim. Depending on the policy chosen, travel insurance helps to recoup costs from trip cancellations, delayed baggage, medical emergencies and damaged valuables. Policy upgrades and access to 24/7 assistance are available with Allianz travel insurance.

Is Allianz a reputable company?

Yes, Allianz is a reputable company. Allianz, the parent company of Allianz Global Assistance, has a history that spans more than 100 years. Partners across the world include travel agencies, airlines and credit card companies. According to Allianz, approximately 55 million travelers use its services.

How much do Allianz travel insurance premiums cost?

The price of Allianz travel insurance depends on factors such as the cost of your trip, how long you’re traveling for, your age and pre-existing medical conditions you may have. Based on sample quotes we pulled for a $4,000 trip to Spain for two weeks, it would cost $134 to insure a 40 year-old New York resident under the OneTrip Basic Plan.

We recommend you request a free quote on the Allianz website to check rates and compare options before buying travel insurance.

Other Insurance Resources From MarketWatch Guides 

Discover our top recommendations for the following insurance types to find the providers that best meet your needs.

• Best Pet Insurance Providers
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Cheapest Renters Insurance Providers
• Best Term Life Insurance Providers
• Cheapest Homeowners Insurance Companies

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

• Allianz Travel Insurance Review
• Coverage Options

Compare Allianz Travel Insurance

• Why You Should Trust Us

Allianz Travel Insurance Review 2024: Pros & Cons

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

Allianz Travel Insurance Summary

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single-trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its OneTrip Prime and Premier plan.

Allianz is well-reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Coverage Options Offered by Allianz

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Travel Insurance Cost

Allianz single trip travel insurance estimates.

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Allianz travel insurance quotes:

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

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

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options.

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

Read our guide on the best credit cards with travel insurance here.

Allianz Travel Insurance Frequently Asked Questions

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

Why You Should Trust Us: How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the best travel insurance companies in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance ratings methodology here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Travel Insurance Find the right travel insurance policy with Allianz Assistance.

AWP Assistance UK Ltd , trading as Allianz Assistance and Allianz Global Assistance , is a subsidiary company of Allianz Partners SAS. AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority in the United Kingdom to provide insurance products and services.  

Please note that, whilst AWP and Allianz Insurance are part of the global Allianz SE group of companies, AWP and Allianz insurance are separate companies and not part of the same group of companies in the UK. Any communications regarding Allianz Assistance services should therefore be addressed to AWP .

Travel insurance

A range of cover options are available including single and multi-trip, 24/7 medical cover, backpacker,  winter sports and more. 

Whatever type of trip you're taking, Allianz Assistance will help you find a plan that covers the "what ifs?". 

Extended Car Warranty

Allianz Assistance is the trusted car warranty provider for ten of the UK’s leading car brands.  Find out more on Allianz Assistance about the three levels of car warranty that are available.

Not what you were looking for?

Pet insurance, musical insurance, home insurance.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

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Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Safer travel starts with travel protection

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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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