Allianz Global Assistance

Allianz Global Assistance

 3.7/5 (733 reviews)
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Overall Rating3.7 out of 5
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About Allianz Global Assistance

Allianz Global Assistance is one of the largest travel insurance companies and offers proven trip protection for vacations across the world. Allianz travel insurance helps cover the cost of delays, medical expenses and even cancellations. Plus, coverage also includes free access to assistance services like interpreters.

Pros & Cons


  • Affordable price
  • Straightforward coverage
  • Multiple coverage levels
  • Worldwide assistance


  • Can only cancel for specific reasons
  • Coverage not always flexible

Bottom Line

Allianz is an affordable travel insurance company with worldwide coverage. While Allianz doesn’t offer customizable or flexible coverage, its various coverage levels ensure most everyone will find a package for them.

Top Allianz Global Assistance Reviews

Rated with 5 stars

I truly appreciate you taking the time to talk to me and your heartfelt concerns dealing with my situation. This is what it supposed to feel like on the other line. Real human, re...

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Rated with 5 stars

I submitted a request to received a refund for plane tickets to San Diego California in July 20. I'm in the military and I was unable to travel. It was a smooth process. I would l...

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How does Allianz travel insurance work?

Allianz trip insurance policies come in three tiers: Basic, Prime and Premier. Basic includes trip cancellation and interruption benefits as well as some medical and baggage coverage. Prime offers somewhat expanded Basic benefits and free coverage of children under 17. Premier protection comes with all the Prime benefits as well as expanded post-departure benefits, including bag delay, change fees, concierge services and more. It also includes more reasons for cancellation.

Allianz can help you personalize coverage to mitigate risks that might occur based on the type of trip you’re taking. For example, you can choose to add rental car protection or medical insurance for an additional price. Customers who travel a lot can buy multi-trip or annual policies.

Using the Allianz app

With the free Allianz TravelSmart app, you get instant access to their coverage benefits anywhere in the world, which lets you file claims easily and stay a step ahead during travel. In an emergency, the app can help you locate a screened and approved medical facility immediately.

Allianz travel insurance cost

Allianz travel insurance plans start at just $23 per trip. The cost of travel insurance varies based on the travel destination, length of a vacation, what type of coverage is needed, the cost of the vacation, the age of the traveler and a few other factors.

For reference, we requested a quote for a five-day trip to Mexico and received a quote for $139 for Premier coverage, $84 for Prime and $62 for Basic. Because the company is so large, it can offer low prices while also guaranteeing payouts.

Keep in mind that cancellation insurance only covers unexpected events, not foreseeable ones. Talk to a company representative if you have any questions about what is covered by your policy.

Allianz Global Assistance FAQ

What is a covered reason for trip cancellation with Allianz?

Covered reasons include unexpected natural disasters, divorce, severe injury, death and other events.

Does Allianz travel insurance cover flight changes?

Yes, for covered reasons. Each policy will outline what reasons are covered.

Who owns Allianz?

Allianz Global Assistance is owned by Allianz SE in Munich, Germany.

How many countries does Allianz operate in?

Allianz travel insurance operates in more than 70 countries across the world.

How do I submit a claim to Allianz?

Travelers can either file a claim on the company’s website or with the Allianz TravelSmart app.

Is Allianz Global Assistance worth it?

Allianz Global Assistance is one of the largest travel insurance companies and offers the financial protection needed to travel confidently. The company provides a variety of options and tiers of coverage, so most travelers can find the right kind of travel insurance for their needs and budget. While some competitors do offer more flexibility and customization in their travel insurance, like adventure coverage or cancellations for any reason, Allianz’s low prices make the company a good choice for most travelers.

Allianz Global Assistance Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: May 20, 2023

It pains me to do this. I have been using this travel company for insurance since 2019 and have had 8 policies through them from basic to premier. I have made claims 2019 and in 2020. I had made a baggage claim on my last trip for damage done to my bag and it was denied. The wheel on my luggage bag was damaged on pavement in a public place while on the way to the cruise port walking across the street. I was told my damage would not be covered because they have the loophole in their policy that states. *Your plan requires you to take responsible steps to keep your baggage safe and intact and recover it if lost or stolen.

In other words, if you buy their policies and your baggage gets damaged in any way or lost and stolen, they will not replace it. They will use this loophole in their terms and conditions to not pay out on the policy. When I asked to provide me with an example of what would have been an expectable accident Where you see the client had taken responsible steps to make sure that it was safe and intact, that they would have paid out on representative refused to do so and when I asked if the wheel just happened to have fallen off, would that have been covered, they would have called that wear and tear. (I would agree that is wear and tear) I don’t know how I could have taken any more responsible steps while wheeling my luggage to make sure that didn’t happen.

The odd part is I had made a claim for this a long time ago and never had any issues back in 2019 the same thing happened to me. It saddened me to see a company use its terms in conditions in such a way they can weasel out of paying claims. So even if your luggage is safe, secure in your possession and you have been walking on a good sidewalk, but your wheel accidentally got caught in a crack of pavement between another connecting path to the street.

I guess that's not an accident but wear and tear or you were not making sure your luggage was secure and safe which I don’t know any way one can really do that except to carry their bag fully which defeats the point of wheels. That is the answer you will receive from Alliance Global Assistance for all your luggage damage claim needs. I buy 2-3 policies a year, that is several hundred dollars I will put into a company that doesn’t use terms and conditions to rob customers of their policy. I will suggest the one reading this review does the same.

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Rated with 1 star
Verified Reviewer
Original review: May 17, 2023

Do not use Allianz for travel insurance, they do not live up to their word. Prior to covid-19 we had scheduled a trip that was cancelled due to covid closures in Europe. When I spoke with Allianz they said that we could apply the insurance to future travel. Now when we finally have been able to rebook the trip they claim that they had a deadline that we did not meet so we will not receive a credit. No one had told us earlier that we had a deadline and I had spoken with the company several times about rescheduling. I would hate to try to file a claim with this company.

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    Rated with 1 star
    Verified Reviewer
    Original review: May 8, 2023

    I went to Thailand and returned 20 days early and am trying to get a refund or credit for remaining money. Nowhere on the site does it have a way to cancel insurance. I phoned and wow.... have never seen a company that the right foot does not know what the left foot is doing. For instance I called from a number I got on my computer and gave my policy number and about 20 minutes of arguing I had a policy. It turned out that I was talking to a U.S. department so she gave me a Canadian number which was out of service. I finally got ahold of someone in Ontario and waited 1 hour for a callback and explained my situation and was told that I will be transferred to someone that can help me, about 15 minutes on hold that person told me the same reply, that he will transfer me, he transferred me and after one hour on hold the call stopped. What!!!!

    After that. So I called and waited for a callback and she could'nt find my policy number, so I was sent to another department apparently to open a claim, on hold again but was told I would not be on hold long. When I got to talk I was told to wait again, this time for a call back. They never called back, The people answering the phones except for the basics, are clueless about my problem, makes me wonder if a person has the same problem as me when they have to file a claim? I will never recommend this company to anyone. Allianz can keep my money, I give up.

    3 people found this review helpful
    Customer increased Rating by 2 stars!
    Verified Reviewer
    Resolution response: May 13, 2023

    Finally received a check in the mail last Thursday! Couldn’t believe it! No email etc just the check. Lol so yes, it’s resolved and hopefully they’ll get their act together… If there’s a delay? Fine. Tell me that. Answer my emails, my phone calls? Stop disconnecting the calls after I’ve waited over 2 hrs.. ty

    Original review: May 1, 2023

    Again like other people I have read through the reviews. And yes I agree if there was a zero star that’s what Allianz would receive from me. I have filed claim re. Trip delay (11 hrs) plus another 4 hour delay after we missed our connecting flight from Toronto to Ns Canada .. Returned one day late. We only claimed our hotel room in z Miami …no shuttles / cabs / dinners, nothing!! But 4th week in February/2023 .. after submitting cc charge, original invoice from hotel, all threads of communication from Miami airport .. ids. Forms? You name it? They have it … but csr last week said it’s been sitting on an examiner's desk since March 3 /2023. It is now May 1? They won’t answer their phone and if do ?? after 120 minutes (I’ve been disconnected 5 times!! After waiting!!! Seriously lol).

    Emailed? Asked them to call me back with a time? No call? Last time I spoke the lady said she’s not able to transfer me to manager ..but? She will escalate the request to call me and marked it “urgent“. I didn’t receive any calls? I’m calling Canadian Insurance Bureau, tomorrow and if they’re not able to help. I am hiring either a lawyer (and they’ll be paying for it ..). There is absolutely no way possible they can deny our claim. So they’re just ignoring me and have no intention of paying out but took my money on the same day that I purchased it?? Lol. And answered on the first ring!! I’m tired of being taken for a ride by these places. They could at least get in touch with me and explain “what’s going on? What’s the hold up?! That would be at least acceptable behaviour from a supposedly "respected company".

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 20, 2023

    I would give Zero Stars, if that was an option. I don't understand why anyone would ever purchase insurance from Allianz. After months of submitting and re-submitting supporting documentation, they denied my claim. I will tell every single person I know about their awful company. If Allianz is offering you insurance for a purchase, DO NOT waste your money. Decline the offer!

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 8, 2023

    If you are looking for travel insurance and considering Allianz Insurance, please read this. This is my personal experience and an honest review and it is not meant to influence anyone's decision. I booked a travel ticket to India (both sides) for my family (4 travelers) in Kayak with a cost of $2700. As it was a long expensive trip with a longer stay and lots of uncertainties (because of covid time), I thought of paying additional $300 (approx.) for the trip coverage. For me, all is well until 3 days before my return date.

    My wife slipped on the floor due to the wet floor and got a ligament disconnected. Doctor asked us for at least 6-8 week of rest to completely recover from it. Hence, we had to reschedule our return plan. It cost us to pay the airline the ticket price difference. I informed them about this incident for their record. I filed the claim after returning to the US and provided all the evidence as proof for my claim. They tried to find every other possibility and excuse to deny my claim and ask for hundreds of more documents to prove my case. As I had a legitimate case and claim, I produced all the documents they asked for.

    They respond once in every10 days only and they keep asking for the same documents again and again. It took them 4-5 months to make a decision for a claim (medical). I asked them to close the trip interruption claim as I was mentally drained out and frustrated by their claim process. I spent many hours in claim processing, collecting bills, and long calls without any results. 

    Here is my take, if you don't encounter any issue during the trip, everything is well and good. Once you have a case for a claim, then you have to go through tough times and hassle from their claim team. It’s almost guaranteed that you won't get a single penny back, however they will give you a hard time (both physically and mentally). In either case, their business model is to get money from you and not to pay a single penny in return in tough times even though your case is genuine. I will personally not take their insurance ever and won't recommend it to anyone. I didn't receive any insurance benefit, however now I am happy that I came out of the unnecessary headache and trauma. I would rate this company 2 or 3 stars out of 10.

    16 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 27, 2023

    I bought a car rental insurance policy via Priceline. It is very cheap and you are all good as long as you don't need the policy. Unfortunately, I had a minor damage. For six months I have been chasing the customer support with no progress. The customer support are so unprofessional. To date, I still did not resolve the problem. So, If you want to buy cheap insurance, expect this cheap service.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 19, 2023

    Unfortunately this once reputable company is now making it difficult to contact and thus far hasn't reimbursed us even though we submitted all documentation requested. We jumped through all their hoops and still nothing. Not even an update after many months. They're cheating us by refusing to pay us for a policy we paid for. Truly shame on them. I would never use this travel insurance co. again. I'm guessing that we're just one of many that they've cheated.

    12 people found this review helpful
    Rated with 2 stars
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    Verified Reviewer
    Original review: March 18, 2023

    My wife and I purchased travel insurance from Allianz for our Hawaii cruise in 2022. The cost was $455. each or $910 total. Total cost of our cruise was just over $13,000. We were scheduled to leave December 2 but had to cancel in late November due to an illness and doctor's orders not to travel. We submitted the claim to Allianz along with all necessary paperwork. It took about 2 months, but they finally paid the claim for only just over $5,000. They only provided coverage for $2554 each person. This is clear in the copy of the insurance certificate I received, but I missed it, so this is on me, but charging $900 for $5,000 in coverage is outrageous. My advice is to make sure you are getting enough insurance at a reasonable cost or don't buy it. As it turned out I would have been happier not buying insurance and eating the entire trip cost rather than getting ripped off.

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 11, 2023

    Very slow process for pre-authorization, and they don't pay you actually the amount of cost as c section is done by the doctor and they are saying, "We will pay for normal delivery charges." I would not recommend it, there are many other services are good than them.

    6 people found this review helpful
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    Allianz Global Assistance Company Information

    Company Name:
    Allianz Global Assistance
    Year Founded:
    P.O. Box 71533
    Postal Code:
    United States