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Allianz Global Assistance Travel Insurance

Allianz Global Assistance is part of Allianz AG, a company founded in Germany in 1890. For 2017, Allianz AG ranked at number 34 on the Fortune Global 500 list, making them a major powerhouse worldwide. They operate in over 70 countries.

The travel insurance branch of the larger company, Allianz Global Assistance, was created in 1950 as ELVIA, a Swiss company. In 1995, Allianz acquired ELVIA and merged it with several other companies; in 2007 it began operating as Mondial Assistance and sold travel policies under the name Access Assistance in the United States. In 2012, the name was changed to Allianz Global Assistance, bringing the brand under one name. The U.S. headquarters is located in Virginia, with 33 other offices operating in 28 different nations.

Like many travel insurance companies, Allianz Global does not underwrite its own policies. In the U.S., insurance benefits are underwritten by several companies: BCS Insurance Company, Jefferson Insurance Company, and Nationwide Mutual Insurance (including its affiliates). Allianz handles all other travel benefits directly.

As a big name in travel insurance, Allianz is often coverage offered by travel sites when booking trips. Coverage is also sold online and through independent agents across the country.

Allianz Global Assistance: Plan options

As you would expect of a travel insurance giant, Allianz offers travelers a wide range of plan options: there are five choices of single trip policies, four from which to choose if you want an annual or multi-trip plan, and a rental car protection plan to round things off.

OneTrip Basic is called its 'affordable plan', and includes trip cancellation and interruption benefits, alongside limited post-departure benefits, such as emergency medical coverage and lost/damaged baggage benefits, while OneTrip Prime is the most popular option, offering expanded coverage and free cover for children.

The budget option aimed at domestic travelers is OneTrip Cancellation Plus, which provides cancellation and trip interruption benefits, but no post-departure benefits, while OneTrip Premier is at the opposite end of the spectrum, offering twice the post-departure cover that is available through Prime and extra reasons for canceling. OneTrip Emergency Medical simply provides benefits for emergency medical expenses and travel mishaps, such as trip delays and lost luggage, but offers no cover for cancellation or interruption.

The multi-trip packages follow a similar make-up, although the AllTrips Basic, Prime and Premier plans are accompanied by an Executive option to, which includes higher cancellation and interruption limits, lost/stolen or delayed baggage benefits, and added business equipment rental benefits.

Medical coverage

The medical coverage and emergency medical evacuation coverage from Allianz is within the norm, while it's worth noting that there's no limit on dental coverage. Dental covers damage to your natural teeth caused by an accident, not replacement of artificial work such as lost bridges. Allianz does not reimburse you for lost medications either. The pre-existing conditions waiver is one of the lowest of the plans we reviewed - 14 days - which is a concern if you are buying your insurance early. Generali Global Assistance has by far the best pre-existing conditions waiver at 180 days.

Making a claim

Filing a claim with Allianz is as straightforward as it can be. A dedicated part of the site explains the entire process, while there's a how-to video, checklists with the type of documentation you'll need, and even sample documents so you can get an idea of what the paperwork should look like and include. This is particularly important to avoid your claim being denied due to a form lacking specific information, such as your tickets not showing departure or return dates. You can make a claim online, by phone or my mail, and can then keep up to date with its progress online or by phone too. And if your claim is approved, you'll be notified by email and your status will be updated online.

Allianz Global Assistance is an excellent travel insurance provider and is unlikely to let any traveler down. The quote process is simple, the plan options are many, and the coverage is at least on a par with everyone else, and usually better. Where Allianz really excels, however, is in the customer service department. And as you'll probably only ever need to test this out should you need to make a claim, it is one of the best facets to be recognised for when it comes to travel insurance.