Allianz Global Assistance

time icon 7 min read update icon Nov. 26, 2019
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Allianz is an award-winning global leader in travel insurance, bringing its massive network of contacts into play to resolve any domestic or emergencies covered by its broad range of comprehensive plans.  

Travel insurance is one of those things that feels like an unnecessary expense—until you need it. The value you give it depends on how easily you can absorb unexpected expenses and non-refundable losses that occur when you travel. Allianz is a leading provider of such travel insurance coverage, with over 25 million travelers around the globe depending on the company every year to protect them while they are away from home. Travel agents voted Allianz Global Assistance the 2017 Best Travel Insurance Provider Overall in the annual Travvy Awards. Allianz provides coverage for domestic and international travel, whether for pleasure or business. Policies are available in single-trip and multi-trip options.

Grandfolk Scoring
Cost 8/10
Ease of enrollment 8/10
Coverage 8/10
Waiting period 10/10
Customer support 9/10
Apps 10/10
Claims 8/10
Money back guarantee 6/10
Age restrictions 8/10
Pre-existing conditions 8/10
Premium per policy
Typically 4-10% of total cost of travel
Ease of enrollment
Ways you can enroll
Online, Phone
Number of policy options
Good variety
Waiting period
When is insurance effective?
Customer support
Ease of access
Online, email, 24/7/365 phone
Can I manage my policy from my phone?
How long do claims take to be reviewed?
Up to 10 business days once all docs received
Money back guarantee
Can I cancel my plan?
Yes, for full refund of premium within 10 days of purchase if not yet departed and no claim filed
Age restrictions
Is there a maximum age limitation?
No restrictions on age, but prices do rise with age
Pre-existing conditions
Do pre-existing conditions affect medical coverage?
Waiver option may be available within 10-day window
Age Score:
50-64 Years
65-74 Years
75-84 Years

While travel insurance should be a consideration for all travelers, for seniors it may be particularly valuable, so it should not be difficult to get. Allianz has designed a website that has made getting a quote an easy process. The company offers plans with comprehensive coverage for a wide variety of travel types and combines them with high-quality customer service. Pricing does increase slightly with age, but no restrictions are set due to advanced age. During your travel, you will have access to a 24/7 hotline to assist with a variety of travel issues that may arise. Allianz also has an easy-to-use smartphone app, TravelSmart. It allows you to look up policy information, check your flight status, file a claim and locate nearby medical facilities. Allianz remains a very friendly option as long as seniors continue to have computer access and remain comfortable using an app.

Health Score:
Great Health
Good Health
Fair Health
Poor Health

Having medical coverage is especially important to seniors when they are traveling. Like anyone else, we feel vulnerable when we are sick away from home. We want to know we are covered while on our journey and can get help finding a good doctor or hospital. The worse our health is, the more critical this service becomes. Allianz travel policies all include medical coverage. Its policies do have pre-existing condition limitations, but this does not mean that coverage will be denied. It just means there are a few extra steps to take. Pre-existing medical condition exemptions can be obtained if your policy is purchased within a specific timeframe from the date you paid the first payment for your travel. Be sure to check the exact requirements, so you qualify. 


  • Plans are designed for domestic and international travels, as well as for single and multiple trips (annual).
  • Allianz has a wide range of policy options, so you are sure to find the coverage that is just right.
  • 'Primary' (first pay) insurance coverage is available on some of the plans. 
  • An optional Car Rental policy provides coverage without leaning on your personal auto insurance.
  • The company’s mobile app connects you with Allianz services and with other travel needs.
  • Its claims-handling process is very clearly described on its website.
  • In case of a travel emergency, a 24/7 assistance hotline is available to you with multilingual specialists who can help, wherever you are. Besides tracking lost baggage and getting you emergency medical treatment, they can help replace passports, refer you to legal help, secure emergency cash and guarantee payment, so you are admitted to a hospital.


  • It can take up to 10 days for a claim to be processed once all support documents are received.
  • Allianz does not offer a 'Medical Only' coverage policy.
  • The company’s advanced technical features, such as its smartphone app, may not be accessible to older and less computer-savvy seniors.

Bottom Line:

Allianz Global Assistance is a leading travel insurance provider that has provided insurance to over 25 million travelers a year. In fact, Allianz companies insured the Wright Brothers' first flight. Today the company offers several different policy options for domestic and international travel, as well as providing single-trip and annual policies. The travel industry has endorsed Allianz by naming it the 2016 Reader’s Choice Best Insurance Provider, by Travel Weekly, and the 2017 Gold – Best Travel Insurance Provider Overall by Travvy Awards. Allianz is also tops in customer service, having received the 2016 Customer Service Team of the Year award from the Stevie Awards. As a leader in travel insurance, Allianz has earned the right to be one of the first places you look for travel insurance quotes.

Frequently Asked Questions:

What aspects of travel does this company cover?

The company offers Trip Cancellation Protection, Trip Interruption Protection, Emergency Medical Transportation, Emergency Medical / Dental, Lost / Stolen / Delayed Baggage Coverage, Travel Delay Coverage, Missed Connection Coverage, Rental Car Damage Protection and 24/7/365 hotline assistance.

How long will it take to review my claim?

Allianz wants to make your claims experience as simple and convenient as possible. The site lists the documentation you will need to file a claim. When all of your supporting documentation has been submitted, the company requests 7-10 business days for review. If additional information is needed, you will be contacted. You can visit the company’s website to check the status of your claim 24/7.

If I change my mind after enrolling in a protection plan, can I get a refund?

If you are not completely satisfied, you have ten days (or more, depending on your state of residence) to request a refund, provided you have not started your trip or initiated a claim. Premiums are non-refundable after this period.

More Information:

Product Details

Overview: Plans are tailored to travelers' needs, from the most essential to the most far-reaching.
Package Details:

Basic – minimal level of coverage for basic travel needs
Deluxe – great for those frequent travelers
Executive – best for business travelers
Premier -- covers your household with travel protection and concierge service

Basic – covers common accidents and inconveniences
Classic – increased coverage and includes children under 17 years in the plan 
Essential – only covers cancellations, interruptions and delays

Basic – provides basic medical and travel coverage
Classic – increase coverage limits and includes children under 17 years in the plan
Classic with Trip+ - provides the largest coverage limits  

Rental Car
Damage Protector – car insurance for $9/day, with a few exceptions

Additional Company Details

Contract Details: Your Certificate of Insurance/Policy includes full details of the policy you are considering or have purchased. It should be read carefully. Terms, conditions and exclusions apply to all plans. Benefits/Coverage may vary by state, and sub-limits may apply. 

Warranty: You have a money back guarantee during the ten days following the purchase of your policy. If canceling your plan, for fastest service you can visit the Allianz online policy management tool. In any case, to receive a full refund of your premium, you must cancel within ten days of policy purchase, and not have filed a claim or departed on your travels. 

Accreditations: Member of US Travel Insurance Association (UStiA); won two Magellan Awards from Travel Weekly in 2017 for its TravelSmart mobile app; was named Best Travel Insurance Company in 2017 by Travel Age West Wave Awards and recognized for Outstanding Customer Service as a 2017 Stevie Silver Winner. Allianz Global Assistance has been accredited by the Better Business Bureau since 1991 and holds an A+ rating on the BBB website

Company Details: Allianz SE, the world's largest diversified insurance company, is the parent of Allianz Global Assistance. Allianz has provided insurance services in the U.S. for over 100 years and has provided insurance to some of the most historical moments in the nation’s history. Insurance benefits are underwritten by BCS Insurance Company (rated A- (Excellent) by A.M. Best) or Jefferson Insurance Company (rated A+ (Superior) by A.M. Best) and Affiliated Companies, depending on insured’s state of residence and plan type. Plan(s) may not be available to residents of all states. As President/CEO of Allianz USA, Mike Nelson says, “Our tagline says it all: 'How can we help?' We spend every day trying to figure out how we can help more people.” 


Allianz Global Assistance
9950 Maryland Drive
Richmond, VA 23233
Phone: 866-884-3556

Samuel Kelokates - Senior Advisor

Samuel is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.