Allianz Travel Insurance: Coverage, Prices and Customer & Expert Reviews
Allianz is one of the best-known travel insurers among European travellers. Its offer stands out for comprehensive plans designed both for short trips and for more complex journeys outside Europe—especially to the United States, Canada, or destinations where medical costs can be very high.
On this page, I provide an expert and independent review of Allianz travel insurance: real cover, medical limits, observed prices and user feedback, to determine whether this insurance truly matches your type of trip.
🧳 Allianz travel plans: trip cancellation insurance, multi-risk travel insurance, annual multi-trip travel insurance, and long-stay travel insurance.
💶 Observed prices: from €25 to €40 for a short trip in Europe and €60 to €120 for a trip outside Europe (depending on destination + options).
🏥 Medical expenses abroad: limits up to €300,000 to €500,000 depending on the plan, with enhanced coverage for the USA / Canada.
🚑 Repatriation & assistance: repatriation included + 24/7 medical assistance, with coordination of care.
🎒 Additional cover: cancellation, baggage, personal liability abroad + compensation for transport delays (depending on plan).
🌍 Geographical cover: Europe, Worldwide excluding USA/Canada, or Worldwide including USA/Canada.
👨👩👧👦 Best for: occasional travellers, families, seniors, and travellers going outside Europe or on expensive trips.
⭐ HelloSafe rating: 4.2 / 5, appreciated for reliability and level of cover.
Is Allianz travel insurance really reliable? Our expert opinion
Allianz has a strong reputation among European travellers—and for good reason. As a long-established insurer, the group is often chosen by those who prioritise financial security abroad, especially for destinations where medical expenses can be extremely high.
Overall, Allianz offers robust and consistent cover, particularly for key items such as medical expenses, assistance and repatriation. However, it operates like a traditional insurer, with more structured procedures than some 100% digital players. This doesn’t undermine the reliability of the policy, but it does mean you need to understand the rules before you travel.
✅ What Allianz does very well
- ✔️ Strong medical cover with limits suitable for travel outside Europe, especially to the USA and Canada
- ✔️ Efficient assistance and repatriation, available 24/7, with organisational support in emergencies
- ✔️ International recognition, useful for long-distance travel and administrative requirements (visas, regulated stays)
- ✔️ Comprehensive, structured plans covering both short trips and more complex or expensive journeys
❌ Limitations to know before buying
- ❌ Reimbursement times can sometimes be long, especially when the claim requires additional supporting documents
- ❌ Policy exclusions must be read carefully, especially for pre-existing conditions, non-urgent care or events known before purchase
- ❌ Less flexibility than some 100% online insurers, particularly for date changes or atypical situations
- ❌ Low Trustpilot rating (around 1.5 / 5), mainly reflecting post-claim frustration and reimbursement issues rather than the intrinsic quality of cover
👉 To get a clear view of value for money, the easiest approach is to compare Allianz against other travel insurers through HelloSafe, based on your destination, trip length and the level of cover you actually need.
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What cover is included in Allianz travel insurance?
Allianz travel insurance is built around three main plan types, all sharing a common base of essential benefits — medical expenses, assistance and repatriation — but differing in how much protection they provide before and during the trip. The key difference is whether cancellation cover is included and whether you can cover multiple trips over the year.
Medical expenses abroad, 24/7 assistance and medical repatriation form the core of all three policies, with limits designed for travel outside Europe. However, trip cancellation is only included in multi-risk plans, where it protects your pre-trip spend up to €8,000 per person depending on the policy. The annual multi-trip plan is aimed at frequent travellers: it avoids buying insurance for every trip, but comes with maximum trip duration limits that should be anticipated.
Benefit | Travel insurance without cancellation | Travel insurance with cancellation | Annual multi-trip insurance |
|---|---|---|---|
🏥 Medical expenses abroad | up to €300,000 depending on area | up to €300,000 depending on area | up to €300,000 per trip |
✈️ Medical repatriation | organisation + cost coverage | organisation + cost coverage | organisation + cost coverage |
📞 24/7 assistance | medical + logistical assistance | medical + logistical assistance | medical + logistical assistance |
🎒 Baggage & personal belongings | up to €1,500 (excess may apply) | up to €1,500 (excess may apply) | up to €1,500 per trip |
🎟️ Trip cancellation | ❌ | up to €8,000 / person | included depending on annual policy |
🕐 Trip interruption | ❌ | reimbursement for unused services | reimbursement under conditions |
⚖️ Personal liability abroad | ❌ | up to €4.5M depending on policy | up to €4.5M |
📅 Number of trips covered | 1 trip only | 1 trip only | unlimited trips over 12 months |
⏳ Max duration per trip | depending on policy | depending on policy | typically max 60 days |
🌍 Coverage area | Europe / Worldwide / Worldwide USA-Canada | Europe / Worldwide / Worldwide USA-Canada | Europe / Worldwide / Worldwide USA-Canada |
💶 Indicative price | from €25–40 | from €35–60 | from €150–180 / year |
Is Allianz trip cancellation insurance really useful?
Allianz trip cancellation insurance covers a specific list of regulated reasons (around twenty depending on the policy), such as serious illness, accident, hospitalisation or the death of a close relative. It does not work like a “cancel for any reason” option, but as a classic, strict cancellation policy similar to those offered by other major insurers.
In practice, it is most relevant for non-refundable flight tickets, train journeys with strict conditions and expensive trips booked far in advance (tours, cruises, premium holidays). On the other hand, it is of limited value when bookings are easily changeable or refundable.
Compared with some newer insurers, Allianz is less flexible, but offers high compensation limits (up to €8,000 per person, sometimes with an excess) and a clear contractual framework. From an expert perspective, this cover should be seen as targeted budget protection rather than a “comfort” guarantee—making it essential to read the terms before purchasing.
In concrete terms, this cover applies when cancellation is linked to serious illness, accident, hospitalisation, death of a close relative or, depending on the policy, visa refusal. Any event known at the time of purchase or linked to personal convenience is excluded. This is a key point to keep in mind to avoid unpleasant surprises.
Reason | Covered |
|---|---|
Serious illness or hospitalisation | ✅ |
Physical accident | ✅ |
Death of a close relative | ✅ |
Visa refusal (depending on policy) | ✅ |
Event known before purchase | ❌ |
Change of mind / personal convenience | ❌ |
Find the most suitable policy for your trip. Get the best cover at the best price by comparing Allianz travel insurance with other plans available on the market. Subscribe online in just a few minutes and receive your insurance certificate immediately by email with HelloSafe.
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What are the prices for Allianz travel insurance?
Allianz does not publish a single pricing grid, as costs depend on several criteria: traveller’s age, destination, trip length, options and type of cover.
However, real observed quotes provide very useful price ranges for travellers.
Type of trip | Observed Allianz price |
|---|---|
Short Europe trip (1 week, age 25) | €43.76 |
Worldwide trip (2 weeks, age 40) | €64.37 |
Senior age 60 – USA (1 month) | €209.28 |
Couple age 25 – Thailand (1 month) | €299.97 |
Family (2 children) Europe (2 weeks) | €242.66 |
👉 These examples clearly show that pricing varies widely depending on age, destination and trip duration—consistent with Allianz’s pricing logic.
🔎 How should you interpret these prices?
- Short trip in Europe: around €40–45 for a young adult without heavily optioned cancellation—fairly reasonable.
- Trips outside Europe: prices increase noticeably, even for moderate durations.
- USA / Canada: premiums rise sharply, especially with age—e.g., ~€209 for one month at age 60.
- Long-stay trips or families: premiums add up with options and number of travellers covered.
👉 These are realistic benchmarks to help you position yourself before requesting a personalised quote.
🔎 Comparing Allianz prices with other travel insurers
From a comparative standpoint, Allianz prices are often higher than purely digital insurers, because they align with a more complete and better-structured level of cover.
That said, these prices remain consistent when compared to potential reimbursement levels, 24/7 assistance and the solvency of a major international group.
👉 To get an accurate price matching your profile, destination and trip length, it’s recommended to use the HelloSafe simulator or request an online quote directly from Allianz.
See the best travel insurance dealsWhat do customers say about Allianz travel insurance?
Platform | Average rating | Number of reviews | What it reflects |
|---|---|---|---|
Trustpilot | ≈ 1.5 / 5 | several thousand | dissatisfaction mainly linked to reimbursements and perceived refusals |
Opinion-Assurances | ≈ 2 / 5 | a few hundred | feedback heavily focused on claims and disputes |
Travel forums & communities | mixed opinions | not quantified | real-life experiences, mostly outside Europe |
⚠️ Read with perspective: review platforms mostly concentrate post-claim feedback, rarely “no-issue” experiences.
On the positive side, policyholders often highlight the quality of medical cover, the effectiveness of emergency assistance and the sense of security provided by a major international group. Travellers who actually needed repatriation or major medical care frequently underline the seriousness of the organisation and Allianz’s ability to handle complex situations—especially outside Europe.
Conversely, recurring criticisms mainly concern long reimbursement times and administrative complexity. Some customers express disappointment when a claim is rejected or only partially reimbursed—most often due to a contractual exclusion or an incomplete file. These negative reviews don’t necessarily question the reliability of the policy itself, but rather reflect a gap between traveller expectations and the real processes of a traditional insurer.
It’s essential to distinguish between customer frustration and the intrinsic quality of the policy. Allianz applies strict rules—especially regarding cancellation reasons, pre-existing conditions and non-urgent care. When these points aren’t anticipated, disappointment is common, which explains part of the negative feedback seen online.
What exclusions and limitations should you know before buying?
Like most traditional insurers, Allianz offers solid cover, but within a strict contractual framework. Exclusions and limits are not unusual, but they should be understood before departure, as they explain a large share of disputes and negative reviews.
Key watch-outs mainly relate to pre-existing conditions, non-urgent care, coverage in the home country, and certain sports activities.
📋 What Allianz covers / does not cover
Situation | Covered | Notes |
|---|---|---|
🏥 Sudden illness or accident | ✅ | provided it is unforeseen and occurs after purchase |
🩺 Pre-existing or chronic condition | ❌ | relapse or worsening is generally excluded |
🚨 Emergency medical care | ✅ | consultations, hospitalisation, necessary tests |
💊 Non-urgent or planned care | ❌ | check-ups, follow-ups, comfort care |
🇬🇧 Medical costs in the home country | ❌ | travel insurance does not replace national health cover |
🎿 High-risk sports (diving, off-piste skiing, etc.) | ❌ | unless an option/specific extension applies |
🎒 Theft or loss of baggage | ✅ | within limits and excess conditions |
🎟️ Cancellation for personal convenience | ❌ | change of mind not covered |
What you must understand before subscribing
- Pre-existing conditions are among the most common exclusions: if a health issue was known before purchase, Allianz may refuse cover in case of relapse.
- Non-urgent care (comfort care, scheduled treatments) is not covered—even abroad. The policy only applies when care is medically necessary and urgent.
- Allianz travel insurance does not cover medical costs in the home country; these fall under national healthcare systems and private health insurance.
- High-risk sports are excluded by default. You may need an extension for activities like off-piste skiing, scuba diving or motor sports.
How to contact Allianz travel insurance in case of an issue
In the event of an incident, Allianz clearly separates assistance during the trip from claims management after the trip. Contacting the right service helps avoid unnecessary out-of-pocket expenses and can significantly reduce processing times.
Situation | Service to contact | Details |
|---|---|---|
🚑 Medical emergency, hospitalisation | Allianz Travel Assistance (24/7) | +33 (0)1 42 99 02 02 |
✈️ Repatriation or medical coordination | Allianz Travel Assistance | number shown on your insurance certificate |
🧾 Claim declaration | Allianz claims department | via Allianz Travel customer portal |
⏳ Reimbursement follow-up | Claims management | customer portal + email exchanges |
📄 Contract documents | Allianz customer service | personal Allianz account |
ℹ️ Exact contact details always appear on the insurance certificate and should ideally be saved before departure.
Our verdict: should you choose Allianz for travel insurance?
Allianz is primarily positioned as a travel insurance focused on safety and reliability. Its positioning is clear: solid guarantees, structured assistance and the ability to manage complex situations—especially abroad. It is not the most flexible or the cheapest travel insurance on the market, but it remains one of the most reassuring options for certain traveller profiles.
Allianz is an excellent choice for travellers who:
- travel to destinations with high medical costs (USA, Canada, outside Europe),
- plan an expensive trip or one booked long in advance,
- want high medical and repatriation limits,
- prefer the solidity of a major international insurer and a proven contractual framework.
On the other hand, Allianz may be less suitable for travellers who:
- are looking for a very low-cost policy for a short, low-risk trip,
- want maximum flexibility for claims handling or last-minute changes,
- prefer a fully digital experience with very simplified procedures.
From an expert perspective, Allianz is mainly designed for travellers who want to minimise the financial risks of unexpected events, even if that means stricter procedures and careful reading of the policy terms. When chosen correctly, Allianz travel insurance fully delivers on its protection role.
FAQ
Yes, provided you have purchased a plan that explicitly includes the USA/Canada area. Allianz offers reinforced medical limits for these destinations, where healthcare is particularly expensive. Coverage includes consultations, hospitalisation and emergency care, as well as repatriation if needed. However, non-urgent care and pre-existing conditions remain excluded.
There is no single fixed timeframe. In practice, a complete and compliant claim can be processed within a few weeks, while an incomplete file or a claim requiring additional checks can take longer. Most negative online feedback relates to missing documents or situations falling under policy exclusions.
In most cases, yes. Allianz travel insurance is generally accepted for visa applications because the certificate clearly states the coverage period, geographical area, repatriation and medical limits. Still, it is essential to check that the policy meets the destination country’s specific requirements (minimum medical cover, exact duration, etc.).
Extension is not automatic. It depends on the plan purchased and usually must be requested before the policy end date, with no ongoing claim. It’s therefore important to anticipate trip length, as Allianz tends to be less flexible than some 100% digital insurers on this point.
This is one of the most frequently discussed points online. Allianz may refuse or limit reimbursement if assistance was not contacted before major expenses—especially in the event of hospitalisation. It is therefore strongly recommended to contact the 24/7 assistance service as soon as possible, except in immediate life-threatening emergencies.
Generally, no. Conditions known before purchase, as well as relapses or worsening, are classic exclusions. This comes up frequently in traveller discussions because it is sometimes overlooked. Reading the terms carefully is essential, especially for travellers with ongoing medical follow-up.
By default, no. Sports considered high-risk (off-piste skiing, scuba diving, motor sports, mountaineering, etc.) are excluded unless a specific option is included. Many claim refusals mentioned online are linked to activities that were not declared or not covered.
No. Like most travel insurers, Allianz does not cover medical expenses in the home country, which are handled by national healthcare systems and private health insurance. Some additional benefits may apply (cancellation, trip interruption) depending on the plan.
Many discussions make a clear distinction: Allianz is perceived as more reliable for serious cases (hospitalisation, repatriation), but less flexible and sometimes slower for reimbursements than some digital players. The right choice depends on your profile: maximum security versus flexibility and speed.