Allianz Global Assistance Reviews

Fraudulent insurance. I am a retired insurance adjuster. They will get your money and deny coverage at all cost. Take it from an expert. I got scammed too. My trip got interrupted and now they refused to pay.

My experience with Allianz has been TERRIBLE and I would strongly recommend that you not give them your business. The number of different people I have spoken to who seem to not have any paper trail of my claim has been disheartening (and the fact that I now have a long list of different emails and phone numbers that I’ve been instructed to use might account for this!) They told me they were paying the surgeon directly for emergency surgery, but two months later I’m learning that payment was never made.

Do not use Allianz Global Travel Insurance! Please don’t! My disabled brother had to cancel a flight because became hospitalized. Allianz wanted detailed medical info that would ordinarily violated HIPAA. Did not respond nor refund despite a doctor’s statement. Delta notified and not even a response from them!

I wish I saw the reviews of this insurance before buying it. I never write reviews for almost anything, so me taking the time to write this one is because it really upsets me. 😞 I bought "protection" for my booked room in case I couldn't make it I wouldn't be charged for it, but I got sick the day of the event. I couldn't call the hotel because it was too late to cancel, so I thought "No problem, the "protection" I paid for will kick in," and I will only be charged the insurance amount, but that was not the case. The hotel ended up charging me as if I had actually shown up, and when I called the insurance they said it didn't cover my situation because I didn't call the hotel, so then... What's the point of the insurance then?

Unauthorized credit card charges, still had card in my possession, Allianz needed policy # for refund, I never got a policy # due to theft of card number, obviously they did not have my email, no refund for me because I can't give them what I don't have.

They have twice denied my claim for a scuba diving cruise trip that was cancelled because the company that runs the dive cruise folded and ceased all operations. I will NEVER pay another penny of my money to Allianz ever again and I suggest you take my experience into consideration when you are looking for travel insurance coverage of your own.

I had to be hospitalized in Portugal in Porto in July 2025. Because the staff there was confused re Allianz's requirements and response I opted to pay the $ 18,000 bill myself and then submitted my detailed claim and subsequent doc requests in August 2025. I also received confirmation this medical claim was covered under my policy. I have called at least 8 times and also received several emails, but each time a very kind customer rep tells me the case is being reviewed and I should hear very soon. Allianz did indicate via their website that all submissions were good and done and yet I still have not heard from them - not even a claim rejection - just nothing except that the website told me the case was "closed". They are waiting me out till I give up.

I used this company when traveling to Costa Rica. The hospital told me they could not access the insurance. I had to pay out of pocket for treatment ambulance services. It's been over a year now and I still have not been reimbursed by this company. Although I had submitted receipts shortly after returning home. I would advise against using this service when traveling internationally

We have purchased travel insurance through Allianz since 2009 and received great service, while purchasing the coverage. When having to actually use the coverage November 2025, it was a different experience. In fact, Allianz Travel Insurance became a detriment to our situation. My husband was admitted to a hospital in Cabo San Lucas, Mexico with pneumonia. His condition continued to deteriorate and was transferred into the ICU, then returned to US via Air Ambulance. He was hospitalized in Mexico for a total of nine days. We were assigned a Case Manager while he was hospitalized. The Case Manager was knowledgeable and kind. She followed up with me when she said she would and if she didn’t have an answer yet, she called to let me know that.

If it were possible to leave a zero-star review, I would. This policy provides virtually no meaningful coverage and appears designed to deny claims rather than protect travelers. I purchased this insurance specifically for unforeseeable, extraordinary circumstances that would force a trip cancellation. Despite significant international events involving government actions, resulting in widespread travel disruptions and flight cancellations, my claim was denied outright. I was explicitly informed that even government-initiated conflict, bombing of a capital city, and the resulting cancellation or restriction of flights did not qualify as a valid reason for coverage.

Keep hiding behind the fine print of your policies and people will stop buying. Left me stranded in Aruba for days unprotected. Not right and something needs to change for the common blue collar workers.

I would advise anyone to absolutely not use Allianz Global Assistance for trip insurance. They were lovely when I was buying the insurance, that’s when the loveliness ended. We had a four day delay due to weather trying to get back from a trip. The expedition company wrote 2 letters to confirm the delays. This was early September. I got conflicting advice on how to fill out the various forms and over 3 months they told me they were looking at things, then their platform wasn’t working. I probably called and emailed them at least 10 times over this time trying to get someone to review the case. They would always say it just takes time for the adjudicator to review the case. Finally after speaking with several supervisors they settled for less than the cost of the delays. Had I not been so persistent I would have got nothing. This is their gig - delay, delay and hopefully the person will go away.

Based upon their advertising and website, they state that they insure against flight delays and medical matters. I did not have the latter but I did have a 3 hour delay that caused me to miss a connecting international flight. I also had to pay for overnight accommodations and meals. This is the very reason I bought the insurance. After a month they respond by saying my delay did not meet their 6 hour minimum time frame. I do not understand this policy but maybe I do - they want to limit the payouts on claims. I did not read the fine print after buying the insurance so bad On me I guess. But I would have not bought the insurance had I known the time frame as I knew I only had a 4 hour window between flights.

This review is because I am being denied coverage of insurance for a music concert event. Back on December 10, 2025 I purchased 2 tickets for a show at the Birchmere in Alexandria, Virginia. I wanted to cancel the tickets and get a refund because my wife, who was going to accompany me to the venue is feeling ill (sick to the stomach). Allianz requires a doctor's verification for the purpose of the refund. This is the source of my frustration. An upset stomach typically does not require a doctor's care, so how would I get a doctor's verification on such short notice (the event is today)? Allianz says that They need proof because I could be trying to scam them. I feel like I am being scammed for the very reason I mentioned above.

Shouldn't be allowed to be in business. They took my money to cover tickets to a Broadway show through Ticketmaster. My poor daughter was looking forward to this for weeks, especially since we lost my son and husband. She woke up with the flu. :( I called ticketmaster to exchange the ticket date since I bought this insurance, but they said illness isn't covered and refused to help!!

Never again. Never ever never. I purchased Allianz insurance that included trip interruption and cancellation due to severe weather events. I'd say Hurricane Melissa should qualify. Our destination couldn't be reached due to the severity of the storm and Allianz is saying that since we were on a cruise, it was a change of Port and isn't covered. I have a letter from the cruise line stating that the main port couldn't be traveled to safely, and to use their letter to file with insurance due to trip interruption. Allianz just keeps saying that they only cover for very specific reasons. I highlighted the wording on my paperwork from them showing that severe weather events covered included hurricanes or for travel to areas unsafe due to severe weather/hurricanes. They didn't respond to that and said they were attaching information to support their decision, and didn't attach it. I'd say because they don't have anything to support what they are trying to do. Infuriating.

Please read this prior to obtaining any form of insurance through this company. I purchased global travel insurance plans for my outbound and inbound trip. Due to a family crises I had to cancel the trip, I started a claim to which they came back saying they would not refund the return portion which was the most expensive portion paid. Struggling to understand heavy heavy accented personnel they referred me to the airline as the problem and not them even though I bought the insurance in full. I do not recommend using them for any reason as trying to get any refunds for legit reasons is an uphill battle. Extremely frustrating and a HUGE WASTE OF MONEY. Switch and bait.

I would not recommend this travel insurance based on my recent experience. I had to cancel my trip due to pregnancy-related medical concerns. My doctor advised me not to travel because it could be dangerous for both me and my baby, so I had to cancel the vacation at the last minute. Since cancellation wasn’t included in my travel package, I relied on the insurance to help cover the cost.

Purchased this on the Delta App with our tickets to Germany. Flight was delayed 24 hours because a pilot failed to show up on time. The cascading effect was a hotel in Europe that we could not cancel because it was within 24 hours and our rental car (booked through delta app) also was not available. It cost us an extra $1000 for hotels and rental cars. I requested numerous times from delta for a "statement of delay" I never received one. Allianz processes the claim, but says since we don't have a statement of delay, they did not honor any of our expenses.... that I even had receipts for.... They could have easily checked, but would not.

I have purchased trip protection at least 3 times but didn't have to use it until the last event. The price is great and it includes a lot of coverage. Purchased tickets for a concert and two of my family members were not able to attend due to school and work. This is one of the coverage that it specifies that you are covered under. But once you start the process, you are required to provide documentation from the school/job stating you had to attend. What kind of BS is this. I shouldn't have to ask my employer for a letter to provide in order to get a refund. That is the point of paying for insurance protection. So I lost the money on two tickets. To be honest, this is not worth it unless you are willing to provide all documentations.

This insurance is absolutely worthless, this carrier will constantly ask you for the same documents you already provided or request different verbiage on documents but after you get that document they will ask you for another, no one speaks English, this experience is like Dave Chappell making the band, I have to close your claim unless you walk to Brooklyn and get me a sugar cookie, you get the cookie and walk back and then they request a glass of milk, they will not contact you back. It’s worthless scam, they love to brag about their award winning customer service. I believe they awarded themselves. Steer clear!

Terrible customer service. They were unable to answer any questions about my policy. After the auto email response they never responded to any questions. The trip came and went and they never got back to me. I will not buy trip insurance with them again.

Our trip was cancelled due to sudden sickness of my wife with cancer, called visa. They said we are entitled to refund but it's Allianz insurance that is handling the case, Allianz always find something in the claim that they don't understand, and never read their full emails, and keep on asking for more explanation, it has been two month already back and forth with more proof and details every time, I have a feeling they keep on pushing the case until we get tired and stop requesting. Very frustrating.

We got this travel insurance for a Show ticket for a theater. A few days later our cousin told us, "Hey we want to hold a memorial for your Aunt," who passed a month ago. Allianz denied the claim because the death wasn't recent. The customer service was horrible. Kept getting the runaround by these people who don't listen. Had to call three times to get the information i needed. One threatened to hang up on me and cancel my insurance without helping me. They take forever to decide, was lied to by the claims people and told it would go through and we would get a refund but i looked and it was denied. These people are a scam and would not recommend this company to anyone. They lie and cheat, insurance is suppose to be easy. Not this company. It's a scam full of scammers.

I had been purchasing these trip insurance policies for a few years now. I finally had to use one. Hurricane Melissa wiped out Montego Bay Jamaica so we had to cancel our flights. Sandals moved us, no problems. But AGA refused to refund the flights saying they don't cover venues' decisions to not host us. REALLY? Totally wrong! The policy covers hurricanes, etc. but even my appeal was denied. My son recently became a professional travel advisor. He tells me that these policies are completely worthless, because the airlines actually guarantee the exact same things. Then the airlines told me the exact same thing that my son told me: "Never buy any of these policies because we cover the same things for free!"

I purchased insurance on a concert ticket. I ended up having to cancel my trip. This company would not refund my insurance. Instead, they told me the only way I could use that money was to buy another concert ticket. That makes ZERO sense. I will NEVER use this company again.

Incompetence at the highest level. After 45 days my claims were approved, mostly. I asked repeatedly for an electronic deposit and three times they issued paper checks. I am traveling and not home for months. Each time I had to call and have them void the checks. They would then tell me to expect a link to wire instructions. I never received.

I had an issue with my policy purchase. When I first spoke to an agent, they directed me to the website and guided me on which policy to buy. I was specifically told that the policy would allow me to cancel anytime for any reason. However, months later, I was informed that this is not actually a cancel-for-any-reason policy. If I had known this from the start, I would have purchased insurance directly through the cruise company instead. I only chose this policy because I was assured by the agent that it offered cancel-for-any-reason coverage. I’ve since filed a complaint with the Better Business Bureau because I believe this situation is unfair and misleading. While I don’t expect much to be done, I want to make others aware of my experience so they can avoid being misled in the same way.

Sharing my nightmare with Allianz Global Assistance travel insurance: Paid for coverage on a trip to Negril, Jamaica. Hurricane Melissa (a named natural disaster) forced my hotel to close permanently for the dates. Requested a refund to our credit card—denied! They claim it doesn’t qualify under their fine print “if you are dissatisfied you have 15 days.” We were not “dissatisfied” there was a massive hurricane. They offered to let us use this insurance “we” purchased within 720 days. I’m not sure I trust this company. Has anyone else had this experience with them? Surely, we are not the only ones. This isn’t insurance; it’s a gamble. Do NOT use Allianz if you value your money. Check reviews first! #TravelScam #AllianzFail #InsuranceWarning.

Do not use. The company does everything it can not to pay. A total waste of money. I have filed a complaint with the attorney general. The biggest rip off in travel insurance. Don't even bother to use this company.