What Does Allianz Travel Insurance Cover? Benefits, Limits, and Pricing

Allianz travel insurance covers trip cancellation and interruption, emergency medical and dental care abroad, emergency medical transportation, travel delays, lost or delayed baggage, and rental car damage, with specific dollar limits that depend on which of the company’s single-trip or annual plans a U.S. resident buys. The lineup runs from a bare cancellation-only policy up to the OneTrip Premier, which carries up to $200,000 in trip cancellation coverage and up to $1 million in emergency medical transportation.¹

Trip Cancellation and Interruption

This is the core benefit. If you have to cancel a trip before leaving, or cut it short after departing, Allianz reimburses the prepaid, nonrefundable costs you lose, up to the plan’s limit. Those limits scale sharply by plan: $5,000 on the budget OneTrip Cancellation Plus, $10,000 on OneTrip Basic, $100,000 on OneTrip Prime, and $200,000 for cancellation and $300,000 for interruption on OneTrip Premier.¹

The reason you cancel has to appear on the policy’s list. Covered reasons include serious illness or injury to you, a traveling companion, or a family member; a death in the family; job loss or mandatory relocation of at least 100 miles; jury duty; a government-ordered evacuation for a natural disaster; a car accident or breakdown on the way to the airport; stolen travel documents; a visa refusal; legal separation or divorce; and quarantine.² A NOAA hurricane warning at the destination is a covered reason on the OneTrip Premier plan but not on lower tiers.³

A few conditions matter. For an illness-related cancellation, a doctor has to examine you and advise against the trip before you cancel, or within 72 hours after. A family member’s illness must be life-threatening or require hospitalization. Anything that was reasonably foreseeable when you bought the policy, such as a hurricane that had already been named, won’t qualify.⁴ You also have to notify all of your travel suppliers within 72 hours of learning the trip will be canceled or interrupted.⁵

Cancel Anytime Upgrade

Allianz does not sell a true Cancel For Any Reason (CFAR) policy.⁶ It does offer a Cancel Anytime upgrade on the OneTrip Prime and OneTrip Premier plans, which reimburses 80% of your prepaid, nonrefundable trip costs for almost any unforeseeable reason not already listed, including things like a scheduling conflict or a pet’s illness. The benefit is capped at $16,000.⁷

To qualify, you have to buy the plan within 14 days of your first trip payment, insure the full trip cost, and have a departure date at least 30 days out. It is not sold in every state.⁸

Emergency Medical and Dental Care

If you get sick or hurt during a trip, Allianz reimburses medical expenses up to the plan limit. OneTrip Basic caps medical at $10,000, OneTrip Prime at $50,000, and OneTrip Premier at up to $75,000. The standalone OneTrip Emergency Medical plan carries a $50,000 limit. Emergency dental is included on plans that offer medical coverage but capped at a $750 sublimit.³⁹

A detail worth knowing before you buy: on single-trip plans, Allianz’s medical coverage is primary, so you can file your claim directly without going through your health insurer first.¹⁰ On annual AllTrips plans, medical is secondary, meaning you file with your health insurer first and submit the remainder to Allianz.¹¹ Because Medicare and Medicaid generally do not cover care outside the United States, travelers on those programs effectively treat a secondary Allianz plan as primary when going abroad.¹²

Emergency Medical Transportation

This benefit pays to move you to an appropriate medical facility when Allianz’s medical assistance team decides local care isn’t adequate. It also covers commercial transport home after you’ve stabilized, a medical escort such as a nurse on a stretcher flight when needed, and travel for a family member to reach you if you’re hospitalized for more than 48 hours. If your dependent children are left unaccompanied because of the hospitalization, the plan can arrange their return home.¹³¹⁴

Limits swing widely: up to $50,000 on OneTrip Basic, $250,000 on OneTrip Emergency Medical, $500,000 on OneTrip Prime, and up to $1 million on OneTrip Premier.¹ The OneTrip Emergency Medical plan also includes up to $250,000 for repatriation of remains.¹⁵

Travel Delays

Travel delay coverage reimburses meals, hotels, and local transportation when a departure is held up for a covered reason. The minimum delay to trigger benefits is generally three consecutive hours on comprehensive plans, though it can run as long as six hours on certain airline-distributed policies.¹⁶¹⁷ If the delay causes you to miss a cruise or tour departure, the benefit can reimburse reasonable transportation to catch up.

OneTrip Prime covers up to $800 total at $200 per day; OneTrip Premier covers up to $1,600 total at $200 per day.¹⁸³ On those two plans, SmartBenefits lets you take a flat $100 per insured person, per day with no receipts, as long as you can show the delay happened. Submit your flight details at purchase and Allianz will monitor the flight and send the payment automatically when a covered delay occurs. If your actual expenses run higher than $100 a day, you can still file a separate receipt-based claim for the difference up to the plan’s cap.¹⁹²⁰

Baggage Loss, Damage, and Delay

Allianz reimburses the replacement cost of luggage and personal belongings that are lost, damaged, or stolen while you’re traveling, and covers essential purchases like clothing and toiletries when a bag is delayed. The delay has to be at least 12 hours and caused by a common carrier, hotel, or tour operator.²¹

By plan:

OneTrip Basic: up to $500 for loss or damage, $200 for delay.
OneTrip Prime: up to $1,000 for loss or damage, $300 for delay.
OneTrip Premier: up to $2,000 for loss or damage, $600 for delay.
OneTrip Emergency Medical: up to $2,000 for loss or damage, $600 for delay.
OneTrip Rental Car Protector: up to $1,000 for loss or damage; delay not covered.
OneTrip Cancellation Plus: baggage not covered.¹

Reimbursement is based on the actual price, actual cash value, repair cost, or replacement cost, whichever is less. Per-item sublimits may apply, and you have to file a report with the appropriate authorities and take reasonable steps to recover the belongings.²²

Rental Car Protection

The standalone OneTrip Rental Car Protector provides primary coverage for collision, loss, and damage to a rental vehicle up to $75,000, at $13 per calendar day. You can buy it on its own or add it to another OneTrip plan, and because it is primary, you don’t have to involve your personal auto insurance first.²³ Annual AllTrips plans include up to $45,000 in rental car damage and theft coverage per trip, but that benefit is not available to residents of Kansas, Texas, or New York.²⁴

COVID-19 and Other Epidemic Illness

Most Allianz plans sold on or after March 6, 2021 include an Epidemic Coverage Endorsement that adds epidemic illnesses, including COVID-19, as covered reasons for trip cancellation, interruption, travel delay, emergency medical care, and emergency transportation.²⁵

The endorsement applies when you or a traveling companion is diagnosed with an epidemic disease or tests positive, even without symptoms, or when you are individually ordered to quarantine by name. The quarantine provision is narrow: broad orders like citywide lockdowns or destination entry-requirement quarantines don’t qualify. Fear of illness, government travel advisories, and the cost of mandatory testing or vaccinations are not covered.²⁶

Pre-Existing Medical Conditions

By default, Allianz excludes losses tied to pre-existing conditions, which it defines as any illness, injury, or medical condition for which you, a family member, or a traveling companion sought treatment, had symptoms, or took prescribed medication in the 120 days before you bought the plan.²⁷

Most plans offer a waiver if you meet all of the criteria: buy within 14 days of your first nonrefundable trip payment, insure the full nonrefundable trip cost (and insure any later additions within 14 days of paying them), be a U.S. resident, and be medically able to travel the day you buy. Even with the waiver, sublimits can apply. On OneTrip Prime, the general trip cancellation limit is $100,000, but reimbursement for a loss caused by a pre-existing condition is capped at $50,000.²⁷ Mental and nervous health disorders and normal pregnancy stay excluded even with the waiver in place.²⁸

What Allianz Does Not Cover

Several categories of loss are excluded across all plans:

Extreme and high-risk sports, including skydiving, BASE jumping, bungee jumping, hang gliding, caving, free climbing, scuba diving deeper than 60 feet or without a dive master, skiing or snowboarding outside marked trails, racing motorized vehicles, and personal combat sports. Allianz can exclude an activity even if it isn’t specifically named, and U.S. plans do not sell an add-on for excluded sports.²⁹
Foreseeable events known or reasonably predictable when you bought the policy.
Normal pregnancy and childbirth.
Alcohol or drug use and any resulting symptoms.
Acts of war, military duty, or civil unrest.
Travel against government orders or advisories.
Gross negligence.
Professional or amateur sporting competitions, though informal recreational games aren’t excluded.¹²⁹

Standard recreational activities like hiking, cycling, on-trail skiing, kayaking, horseback riding, sailing, and surfing are generally covered under plans that include emergency medical benefits.³⁰

Annual Plans for Frequent Travelers

If you take several trips a year, an annual AllTrips policy may cost less than insuring each trip separately. There are four tiers:

AllTrips Basic covers emergency medical up to $20,000, medical transportation up to $100,000, travel delays, and baggage, but not trip cancellation or interruption.
AllTrips Prime adds trip cancellation and interruption up to $3,000.
AllTrips Executive raises cancellation and interruption to $5,000–$10,000, emergency medical to $50,000, and medical transportation to $250,000, and adds business equipment protection.
AllTrips Premier offers selectable cancellation and interruption limits of $2,000 to $15,000, emergency medical up to $50,000, medical transportation up to $500,000, and household-wide coverage for people living together whether they travel together or separately.²⁴

All annual plans carry the $45,000 rental car benefit (except in Kansas, Texas, and New York) and a travel accident benefit. Remember that emergency medical coverage on annual plans is secondary.¹¹

What Drives the Price

Allianz prices premiums on two things: the total prepaid trip cost and the traveler’s age. Medical history, destination, and claims history don’t affect the price.³¹ As a benchmark, a 25-year-old solo traveler on a one-week $3,500 trip would pay roughly $119 for OneTrip Basic, $171 for Prime, and $209 for Premier. A 40-year-old couple on a one-week $5,000 trip would run approximately $214 to $398 depending on the tier.³²

Families can save: children 17 and under are covered free when added to a qualifying OneTrip Prime or Premier policy bought by a parent or grandparent, except in Pennsylvania.³³

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NerdWallet. Allianz Travel Insurance: What You Need to Know
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Allianz Travel Insurance. Covered Reasons for Trip Cancellation Explained
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Allianz Travel Insurance. OneTrip Premier Plan
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Allianz Travel Insurance. Trip Cancellation Claim Denied
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Allianz Travel Insurance. Travel Delay, Trip Interruption, and Trip Cancellation
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MarketWatch. Allianz Travel Insurance Review
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Allianz Travel Insurance. Cancel Anytime Explained
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Allianz Travel Insurance. Cancel Anytime Benefit
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Allianz Travel Insurance. OneTrip Emergency Medical Plan
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Allianz Travel Insurance. Primary Insurance Coverage
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Allianz Travel Insurance. Secondary Insurance Coverage
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Allianz Travel Insurance. Primary vs. Secondary Insurance
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Allianz Travel Insurance. Emergency Medical Transportation Benefit
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Allianz Travel Insurance. Emergency Transportation Costs
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Allianz Travel Insurance. Travelers Protection Plan Review
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Allianz Travel Insurance. Travel Delay Benefit
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American Airlines. Trip Insurance
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Allianz Travel Insurance. OneTrip Prime Plan
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Allianz Travel Insurance. SmartBenefits
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Allianz Travel Insurance. How to Get Paid Fast for Covered Travel Delays
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Allianz Travel Insurance. Baggage Delay Benefit
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Allianz Travel Insurance. Baggage Loss/Damage Benefit
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Allianz Travel Insurance. OneTrip Rental Car Protector
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Allianz Travel Insurance. Annual Travel Insurance Plans
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Allianz Travel Insurance. The Epidemic Coverage Endorsement Explained
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Allianz Travel Insurance. COVID-19 FAQ
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Allianz Travel Insurance. Existing Medical Conditions Coverage
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Allianz Travel Insurance. Best Travel Insurance for Pre-Existing Conditions
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Allianz Travel Insurance. Adventure Vacation Travel Insurance
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Allianz Travel Insurance. Adventure Travel Annual Insurance
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Allianz Travel Insurance. Complete Travel Insurance Guide
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U.S. News. Allianz Travel Insurance
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Allianz Travel Insurance. Find a Plan