Allianz Comprehensive Package review: a $10,000,000 Canadian medical maximum, and four wordings with the same name

Almost. This Allianz Comprehensive Package review finds a plan built around a $10,000,000 emergency medical maximum, with trip cancellation, trip interruption, travel delay, baggage and accidental death in the same contract, and no personal liability benefit anywhere in it.

Every figure on this page is in Canadian dollars, because the wording states that all benefit limits and premiums are shown in Canadian currency. The document we read is the retail single-trip wording, form 1A045PL-0423, 29 pages. It matters that we name the form: at least four different policies are sold in Canada under the Comprehensive name, and two of them carry half the medical maximum and a hard age cap. The one our catalogue describes, at $10,000,000, is this one.

We score the plan 3.4 out of 5. The medical column is the strongest a Canadian resident can reach through our comparator, roughly double the next plan on the same shelf, and it applies out of province inside Canada at the same figure. It loses points for a 20% penalty when you do not call before treatment, for sub-limits that are only disclosed on the Confirmation of Coverage you receive after you buy, for a baggage benefit that stops at $1,000, and for a Canadian service record that reads far worse than the group's global reputation.

Three warnings before anything else, and two of them are about us rather than about Allianz. Our own offer record carries no policy document in any language, so nothing on our card can be checked against a contract by the person reading it. The $28.00 shown against this plan in our comparator is a fixed figure stored against the offer, not a quote: we ran 26 different trips through it on 8 September 2026, covering every age and trip length it will quote at all, from a newborn to a 99-year-old and from one day to 365 days, and it returned $28.00 every single time. And the quote form our button opens belongs to a different company selling a different insurer's policy, which is set out in full further down.

Comprehensive is a shelf label at Allianz Global Assistance Canada, not a single product. Four separate wordings carry the name, and the gap between the best and the worst of them is $5,000,000 of medical coverage and an age cap that appears out of nowhere at 75.

Our catalogue stores $10,000,000 against this offer, which matches the first two rows and only those. That is the plan reviewed below. Because our record holds no document, the only way to know which of the four you are being offered is to read the form number printed on the wording you are sent, before you pay. If it starts with CORECMP or arrives through a union benefits portal, the medical maximum on this page is twice what you are buying.

Allianz does not underwrite this plan. The risk is carried by CUMIS General Insurance Company, a member of The Co-operators group of companies, and the wording says so on its own first content page: "Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies. Administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd." (page 4).

Three consequences worth knowing. The definitions section makes the split formal: "We, Us or Our" means CUMIS General Insurance Company "and/or AZGA Service Canada Inc. operating as Allianz Global Assistance" (page 11). A complaint that Allianz cannot settle goes to CUMIS, not to Allianz. And our own insurer field simply reads Allianz, which is the group name rather than the carrier: it is the brand you buy from, not the company that pays you.

None of Jefferson Insurance Company, BCS Insurance Company or Allianz Partners USA appears anywhere in this chain. Those are the American entities behind the OneTrip and AllTrips plans, sold to United States residents only, which we review separately in our Allianz travel insurance review. The two ranges share a logo and nothing else.

The Comprehensive Package insures emergency treatment abroad "up to an overall maximum of $10 million" (Coverage Summary, page 2), and that single figure applies to every destination. There is no separate United States ceiling in this wording, and none is needed: the only geographic restriction is your own province. The contract is not perfectly consistent with itself on that number: the operative clause on page 15 promises "an overall coverage maximum shown on your Confirmation of Coverage" rather than a printed figure, so $10,000,000 is the published maximum of the retail plan and the certificate you receive after buying is what fixes it. Both readings sit in the same document.

The wording puts it plainly on page 15: the benefits are available to you worldwide other than in your home province or territory of residence. A drive from Calgary to Vancouver Island is insured at the full $10,000,000. A drive across Calgary is insured at nothing. The Temporary Return Home clause on page 7 makes the same point in reverse: you may come back mid-trip without the policy expiring, but there is no coverage while you are inside your province, and you must meet the eligibility rules again on the day you leave it.

The 20 percent you lose by not calling first

The most expensive sentence in this contract sits on its first page, in bold: "If you do not notify Allianz Global Assistance prior to seeking treatment without reasonable cause, we will only pay 80% of the eligible medical expenses. You will be responsible for paying the remaining 20% of eligible expenses." On a $40,000 American hospital bill that is $8,000 out of your own pocket, for a phone call.

A second layer sits underneath it. Specialists, surgeons, anesthesiologists, diagnostic testing beyond an initial laboratory test or x-ray, and additional follow-up visits all require advance approval, and the wording warns that failing to get it "may result in a reduction in the insured losses payable". The practical rule is to call once before treatment and again before anything is scheduled.

What direct billing actually promises

Our card lists direct billing as included. The wording is softer: Allianz "will attempt to arrange direct billing with the medical facility whenever possible", and then adds that "Some facilities require payment up front and you may have to pay for your treatment" (page 3). Treat it as a service the assistance team will try to obtain for you rather than a guarantee, and travel with a credit card that has room on it.

The non-medical half of the Comprehensive Package is where the name is earned and where the ceilings drop sharply. Cancellation and interruption are generous and tied to what you declare; delay and baggage are small fixed amounts that will not replace a stolen laptop.

The baggage exclusion list runs to nineteen entries and is where most disappointment comes from. Money, credit cards, travel documents, passports, prescription eyewear, contact lenses, hearing aids, wheelchairs, medicines, business property, software and data, antiques, firearms and anything fragile are all outside the definition of baggage. Bicycles, skis and snowboards are excluded too, except while they are checked with the carrier. High-value items stolen from a vehicle are never paid, whether it was locked or not. You have 24 hours to file a report with the police, the carrier, the hotel or the tour operator, and receipts matter: without proof of purchase the insurer pays half.

The pandemic wording is unusually specific. Quarantine is a covered travel-delay reason only when you are individually named in the order, and it is explicitly not covered when the order applies broadly to a population, a place or a route, even if it names you as well. A general stay-at-home instruction therefore pays nothing.

No. The Comprehensive Package is sold without a deductible and without the option of taking one, so there is no lever to pull if the premium comes back higher than you wanted. The insurer's own annual version of the plan lists deductibles as not included, and the single-trip page offers none either.

The deductible lives on a different product. Allianz Global Assistance Canada sells a standalone Emergency Medical plan, built from the same $10,000,000 medical block, and that one is available with a deductible of up to $500. What you give up in exchange is the entire non-medical half: no cancellation, no interruption, no travel delay, no baggage, no travel accident. It is the right trade for a traveller whose flights and hotels are refundable and who is insuring a hospital bill rather than a deposit, and the wrong one for anyone who has already paid for a cruise.

• ✓
  Take the Comprehensive Package: When a meaningful part of your trip is non-refundable and you want the cancellation, interruption and medical columns under one contract.
• ✓
  Take the Emergency Medical plan instead: When the trip cost is refundable, you only want the hospital protection, and you would rather pay a deductible of up to $500 for a lower premium.
• ✓
  Take neither: When you are staying inside your own province, where this policy pays nothing at all.

A review of our own catalogue has to include our own mistakes. We compared every guarantee stored against this offer with the Comprehensive Package wording, and eight of them are wrong. The wording is binding and our card is not, so where the two disagree, believe the contract.

One technical note for anyone comparing our cards with other sites. We keep two sets of guarantee data, and the older set is the one that renders on the public offer cards and in the comparison table: we confirmed it on 8 September 2026 by reading what our own quote endpoint returns for this offer. The newer set adds an emergency dental entry marked not available, which is also wrong against page 15, but that entry is never shown to anyone.

We cannot tell you what the Comprehensive Package costs, and neither can our comparison card. The $28.00 it displays is a fixed floor stored against the offer: across 26 live quotes on 8 September 2026 it did not move by a cent for a newborn or a 99-year-old, for one day in Mexico or 365 days in the United States, for one traveller or a family of four. Treat it as a placeholder, not a price.

What we can give you is the real cost of comparable coverage on an identical trip, calculated by our own pricing engine on the same day. These are the only two plans on the Canadian shelf that return a genuine premium, for one traveller spending 14 days in the United States, leaving Canada on 5 November 2026.

For the Allianz plan itself, the only published Canadian figures we could find come from the broker PolicyAdvisor, which sets them out as illustrative and discloses neither province, destination nor trip length. They are worth reading as an order of magnitude and nothing more.

Both tables point the same way. Two weeks in the United States for a Canadian in their forties costs somewhere between $135 and $250, and rises steeply past 60. The premium moves with your age, your destination, how long you are away and, once cancellation is in play, the trip cost you declare. What it cannot be moved by is a deductible, because this plan has none.

One more figure from our own records, because it says something about how these cards are read. Of 666 Canadian quote sessions logged in our database, 20 ended with a visitor choosing the Comprehensive Package. The two plans that sit beside it with fixed figures of $25.00 and $32.00 collected 61 and 10. The cheapest placeholder took three times the traffic of the middle one, on numbers that describe nothing.

The Comprehensive Package states no maximum age, which makes it unusual on the Canadian market, but the route to buying it narrows sharply at 65 and the conditions on page 6 are stricter than the age line suggests.

• ✓
  At least 15 days old on the effective date: The wording sets a floor, not a ceiling, and our comparator ignores it: it will quote a newborn.
• ✓
  A Canadian resident with government health plan coverage for the whole trip: You must stay insured under a provincial or territorial plan for the entire coverage period. The wording puts the responsibility for checking your province's absence rules on you.
• ✓
  Not advised against travel by a physician, and not travelling to get treatment: Both are eligibility conditions, so failing either voids the policy rather than reducing a claim.
• ✓
  No terminal diagnosis or palliative care in the previous two years: Assessed at the effective date, across the whole two-year window.
• ✓
  From 65, no help needed with daily living: The wording names eating, bathing, using the toilet, changing position and dressing. Needing assistance with any of them makes you ineligible.

On age in practice, three different numbers are in play at once. The insurer's Canadian plan page states no age limit and a medical questionnaire from 65. Its own online quote form only serves travellers up to 64, and sends anyone older to a separate advisor portal. Our comparator, meanwhile, quotes this offer all the way to 99 and refuses at 100. We tested it: ages 84, 85, 90 and 99 all returned the card, and only 100 produced a refusal. That is wider than the seller's own website will go, and much wider than the CoreTravel and affinity versions of this plan, which stop at 84 and 75.

Pre-existing conditions turn on two windows rather than the three or four you find elsewhere. If you are 64 or younger on the effective date, a condition qualifies when it has been stable for 90 days beforehand. From 65 the window is 150 days (page 7). Stability breaks on a new treatment or prescription, any change of frequency, dosage or type, new symptoms, a new diagnosis, worsening test results, a hospital admission, a specialist referral received or even recommended, or simply waiting for results, further investigation or surgery. Routine insulin and warfarin adjustments not prescribed by a physician, and a switch from a brand to a generic, do not break it.

Allianz Global Assistance is one brand with two very different reputations, and the Canadian one is small and poor. The Cambridge, Ontario entity holds a B rating with the Better Business Bureau without accreditation, a 1 out of 5 average from 21 customer reviews, and 61 complaints logged in three years, 15 of them closed in the last twelve months. Trustpilot's Canadian listing shows 2.5 out of 5 from 13 reviews, and the Canadian comparison site InsurEye shows 1.2 out of 5 from 53.

The 4.1 out of 5 from nearly 199,000 Trustpilot reviews that turns up in most searches belongs to Allianz Partners USA, a separate American company underwritten by Jefferson Insurance Company and BCS Insurance Company. It is a genuine score for a genuine business, and it says nothing whatsoever about the Canadian operation. Anyone quoting it on a Canadian page has confused two companies.

The complaint themes are consistent across all three Canadian listings: denials on the exact peril the traveller bought, roughly a month to reach a decision, long telephone waits with no direct claims line and no email channel, and refunds arriving eight to ten weeks later. Several reviewers describe being questioned about the same medical history by successive clinicians. Set against that, the company answers essentially every negative review it receives, usually within two days.

The escalation path is worth knowing before you need it, because it does not run through Allianz. A complaint the assistance team cannot settle goes to the Office of Fair Client Practices at Co-operators in Guelph, then externally to the General Insurance OmbudService. Residents of Quebec can also go to the Autorité des marchés financiers, and the federal route is the Financial Consumer Agency of Canada.

This is the part of the Comprehensive Package experience we control, and we are going to be blunt about it. Clicking the button on this plan does not open an Allianz quote. It opens a form belonging to SoNomad, a Montreal insurance of persons firm, and the policy SoNomad sells is not this one.

We say all of this because the alternative is letting a reader assume the two are the same product. They share nothing except the moment you clicked. SoNomad names no underwriter anywhere on its website, and we could find no public statement from either company that SoNomad distributes an Allianz plan, so if you complete that form expecting the $10,000,000 ceiling you will not get it. Read the Confirmation of Coverage you are sent before the free-look window closes.

On that window: the wording gives you ten days from purchase to cancel for a full refund of the premium, provided you have not left on the trip and nothing has happened that would give rise to a claim (page 4). It is enough time to read 29 pages properly.

The Comprehensive Package suits a specific traveller very well and several others badly. The deciding questions are how much of your trip is non-refundable, how old you are, and whether you are willing to buy from the insurer directly rather than through a form that hands you to somebody else.

• ✓
  A large non-refundable trip cost: Cancellation is tied to the sum you declare rather than to a fixed cap, which is rare and valuable on a cruise or a package holiday.
• ✓
  A serious medical worry, especially in the United States: $10,000,000 with no destination carve-out is the largest ceiling a Canadian resident can reach through our comparator.
• ✓
  A trip that leaves your province but stays in Canada: Out-of-province travel is insured at the same $10,000,000 as anywhere else.
• ✓
  A traveller over 65 who is otherwise well: The wording sets no upper age, where most Canadian competitors stop at 84 or earlier.

• ✕
  A trip that is entirely inside your own province: The policy pays nothing at all there.
• ✕
  Anyone relying on personal liability coverage: There is none in this contract, whatever our card says.
• ✕
  Expensive electronics, jewellery or a bicycle: Baggage stops at $1,000 with $500 for all high-value items combined, and money, documents and eyewear are outside the definition entirely.
• ✕
  Off-piste skiers, climbers and divers going deeper than 20 metres: All named in the general exclusions, whether or not a guide is present.
• ✕
  A traveller who wants a price and a policy in one sitting: You cannot buy this plan from us, and the form our button opens sells a different insurer's product.

If any of those apply, the Canadian shelf has honest alternatives and we review them with the same contracts in hand: AIG travel insurance in Canada, Aviva travel insurance in Canada, Zurich travel insurance in Canada and Genki travel insurance in Canada. If the medical question is really a pre-existing one, start with pre-existing condition travel insurance. If you travel several times a year, compare against annual travel insurance, and if the only thing you need protected is the deposit, trip cancellation insurance on its own is cheaper. Travellers past 60 will find the age rules gathered in our guide to travel insurance for seniors.

One thing not to rely on is the coverage already sitting in your wallet. Canadian credit card benefits typically insure a short trip, tighten sharply after 64, rarely advance a hospital payment on your behalf and cancel for a much shorter list of reasons than a real policy. We keep the limits card by card on our Canadian credit card insurance page, and the honest summary is that a card is a useful second layer rather than a substitute for a $10,000,000 ceiling.

• Who underwrites the Allianz Comprehensive Package in Canada?

  CUMIS General Insurance Company, a member of The Co-operators group of companies. Allianz Global Assistance is the administrator and the selling agency, through two Ontario companies, AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. The wording states this on page 4, and complaints that the assistance team cannot settle go to CUMIS in Burlington, Ontario, not to Allianz.

• How much emergency medical coverage does it actually provide?

  $10,000,000 on the retail single-trip wording, form 1A045PL-0423, stated as an overall maximum on page 2. It applies worldwide with one exception: there is no coverage inside your own province or territory of residence. Two other Canadian wordings sold under the Comprehensive name carry $5,000,000 instead, so check the form number on the document you are sent.

• Is there a separate limit for the United States?

  No. Nothing in this wording caps American treatment differently, and no override is needed. Your destination changes the premium, not the ceiling. That is unusual and it is one of the plan’s genuine strengths.

• What happens if I go to hospital without calling Allianz first?

  You pay 20% of the eligible medical expenses yourself. The clause is on the first page of the wording, in bold: without reasonable cause for not notifying them beforehand, the insurer pays 80%. Specialists, surgeons, anesthesiologists and diagnostic testing beyond an initial laboratory test or x-ray also need advance approval, and going ahead without it may reduce what is paid.

• Does the plan cover pre-existing conditions?

  It can, if the condition has been stable for long enough. The window is 90 days before the effective date if you are 64 or younger, and 150 days from 65 (page 7). Stability breaks on a new prescription, any change in dosage or frequency, new symptoms, a new diagnosis, worse test results, a hospital stay, a specialist referral received or recommended, or waiting for results or surgery.

• Is there an age limit on the Comprehensive Package?

  The wording sets none, and the insurer’s Canadian plan page says the same, with a medical questionnaire from 65 and a rule that you must not need help with daily living. In practice the insurer’s own online form only serves travellers up to 64 and routes anyone older to an advisor portal. Our comparator is more permissive still: it quoted this plan at 85, 90 and 99, and refused only at 100.

• Does it cover skiing?

  Yes on marked trails. The general exclusions only rule out skiing and snowboarding outside marked trails or in terrain reached by helicopter (page 23). Our own card wrongly lists skiing as unavailable, and we have flagged it. Note separately that your skis and snowboard are excluded from the baggage benefit unless they are checked with the carrier.

• Is there a deductible?

  No, and none can be added. If you want a deductible, Allianz Global Assistance Canada sells a separate Emergency Medical plan with the same $10,000,000 block and a deductible of up to $500, but it carries no cancellation, interruption, delay, baggage or accident coverage.

• What does the Comprehensive Package cost?

  We cannot quote it. The $28.00 our comparison card shows is a fixed figure stored against the offer, unchanged across 26 different trips we tested on 8 September 2026. The only published Canadian figures we could source are illustrative rates from the broker PolicyAdvisor, ranging from $135.90 at age 25 to $308.46 at 65 for a single trip, with no province, destination or trip length disclosed. For a real number, quote it on the insurer’s own Canadian site.

• Can I change my mind after buying?

  Yes, within ten days of purchase, for a full refund of the premium, as long as you have not started the trip and nothing has happened that would lead to a claim (page 4). Refunds under $20 are not issued.

• What does this Allianz Comprehensive Package review conclude?

  That the contract is strong and the route to it is not. The plan itself earns 3.4 out of 5 from us on a $10,000,000 medical maximum with no destination carve-out, cancellation tied to your declared trip cost, and no upper age. Against it: a 20% penalty for not calling first, baggage capped at $1,000, sub-limits you only see after buying, and a poor Canadian service record. Our own listing of it also carries eight errors, which we set out on this page.

Five plans answer a Canadian resident in our comparator, and they split into two groups that cannot really be compared on price. Two of them calculate a real premium from your dates, ages and destination. Three, including this one, show a fixed figure that never changes. What follows is our shortlist for someone weighing the Comprehensive Package, ranked by fit rather than by the numbers on the buttons.

Recommended for youA. Fruchard · Co-Founder & Travel Insurance Expert

Why we rank them this way

If what worries you is a hospital bill in Florida, the Comprehensive Package is the strongest thing on this shelf: $10,000,000 with no American carve-out, cancellation tied to the trip cost you declare, and no upper age in the wording. Take it knowing you will finish the purchase somewhere else, and check the form number before you pay. If you would rather see a price and hold a policy in the same sitting, Go Explore is the only plan here that gives you both, at $185.99 for a 45-year-old spending two weeks in the United States, and Go Explore + adds a stronger cancellation column for $248.60. SoNomad and Travel Plan sit below them for one reason only: like the Comprehensive Package they show a placeholder rather than a price, and unlike it we have no contract on file to tell you what you would be buying.

Comprehensive PackageInsured by Allianz

FromCA$28.00

Included coverage

International emergency medical expensesCA$10,000,000

Direct billingIncluded

Trip cancellationOptional

Trip interruptionCA$1,500

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Go ExploreInsured by MGEN

FromCA$189.54

Included coverage

International emergency medical expensesCA$390,000

Direct billingIncluded

Trip cancellationNot included

Trip interruptionReturn ticket

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Go Explore +Insured by MGEN

FromCA$253.35

Included coverage

International emergency medical expensesCA$790,000

Direct billingIncluded

Trip cancellationNot included

Trip interruptionReturn ticket

See the 17 guaranteesGet a quote

Personalized quote · no commitment

SoNomadInsured by Europ Assistance

FromCA$25.00

Included coverage

International emergency medical expensesCA$5,000,000

Direct billingIncluded

Trip cancellationOptional

Trip interruptionCA$3,500

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Travel PlanInsured by Manuvie

FromCA$32.00

Included coverage

International emergency medical expensesCA$10,000,000

Direct billingIncluded

Trip cancellationOptional

Trip interruptionCA$2,000

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Live results captured on hellosafe.com on 8 September 2026 for one traveller aged 45, 14 days in the United States (5 to 19 November 2026), departing from Canada, a $3,000 trip, in Canadian dollars. Read the prices carefully. Comprehensive Package, SoNomad and Travel Plan each display a fixed figure stored against the offer, not a quote for this trip: it does not move with age, destination, trip length or party size. Only Go Explore and Go Explore + calculated a real premium here. Ticking the cancellation option removes those two from the results, leaving only the three fixed figures.