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Experienced travelers know – travel insurance is an absolute necessity.
We travel quite frequently with a focus on local food specialties. And, staying safe and protecting our electronic devices has always been a priority.
In this Allianz travel insurance review, we highlight the most up-to-date changes and alternatives to consider for travel insurance.
We’ve also included areas that Allianz travel insurance doesn’t cover so that you are informed and prepared for anything that comes your way.
See what Allianz covers and where it falls short compared to other travel insurance in our comprehensive Allianz travel insurance review.
Travel Insurance – Do You Need It?
Traveling without travel insurance is a risky proposition. And the question is not if you can afford it, but really, can you afford to deal with the costs if something goes wrong?
As we begin to think about travel again, the rules have changed. Trip insurance has become even more important regardless of whether you are traveling domestically or internationally.
Even if your travel plans do not include bungee jumping or trekking in the Himalayas, you still want to be protected in case anything unexpected happens.
Travel insurance covers much more than medical expenses. With COVID-19 and an ongoing lust for travel, travel insurance companies now include some type of pandemic protection even on basic plans.
Travel insurance benefits include coverage for missed flights, baggage loss, electronics protection, dental insurance, rental car damage protector, and much more.
To keep us protected on our travels, we have an annual Allianz travel insurance policy. We also use other insurance partners to cover where Allianz doesn’t.
AUTHENTIC FOOD QUEST TIP: Make your culinary travels worry-free! With the right travel insurance, you’ll enjoy a delicious experience. From medical emergencies, flight cancelations, car rental protection, or tour cancelations, a good travel insurance has got you covered. Check out our travel insurance review for food lovers to get started.
Allianz Travel Insurance Review – What is Covered
Before signing up for any travel insurance, you need to know what you’re purchasing.
Depending on your needs, you’ll most likely want emergency medical coverage,
trip and baggage coverage, and insurance for other unexpected costs.
So what exactly does Allianz travel insurance cover? Let’s take a look.
Allianz Insurance Travel Plans
Not all insurance providers offer the same benefits, so you want to read the fine print and find the best plan for you.
We personally have used the Allianz travel insurance annual plan that covers the multiple trips we take within one year.
With the Allianz multi-trip plans, there is no need to buy insurance for every single trip. You are covered for the year and can be stress-free knowing your travels are protected wherever you may be.
In general, Allianz travel insurance offers a wide array of insurance benefits. Some are specific to certain plans so you’ll want to look into more detail to understand the scope and coverage limits.
Some of what the Allianz multi-trip travel insurance plans offer include:
- Trip cancellation coverage and compensation for trip interruptions
- Travel delay and trip delay coverage
- Reimbursement for baggage delay or loss
- Rental car damage and theft coverage
- Emergency medical transportation coverage
- Emergency dental coverage
- Travel accident coverage
- Allianz global assistance – 24-hour assistance either online or with the Allianz Travel Smart App
- Allianz epidemic coverage
There are several Allianz travel insurance products to choose from. From annual plans, single trip coverage, or concerns about traveling with pre-existing medical conditions, simply contact Allianz travel services for assistance.
Allianz Epidemic Coverage
While the World Health Organization has announced that COVID-19 is no longer a global health emergency, many, including those with disabilities or who are immunocompromised, remain concerned.
Even if you may already be vaccinated, having coverage to deal with travel uncertainties offers peace of mind.
Many of the Allianz travel insurance plans have been updated to include Epidemic Coverage Endorsement. Here are some of the benefits that are included:
- Trip Cancellation: If, for example, you must cancel your trip after being diagnosed with COVID-19.
- Trip Interruption Coverage: If, for example, during your trip, you are specifically named and individually ordered to quarantine (not including generally or broadly applicable quarantines).
- Travel Delay: If, for example, you are denied boarding based on a suspicion that you are ill with an epidemic disease such as COVID-19.
- Emergency Medical Care: If, for example, you are diagnosed with COVID-19 and need to be hospitalized while traveling. Emergency medical expenses will be covered.
- Emergency Transportation: If, for example, you’re diagnosed with an epidemic disease such as COVID-19 while you’re traveling, and you require an emergency medical evacuation.
When you purchase your Allianz travel insurance policy, make sure the epidemic coverage endorsement is listed in the policy.
And if you have any questions, the Allianz global assistance team will happily answer your questions.
RELATED: Allianz TravelSmart App: A Review of Its 10 Useful Benefits
Allianz Rental Car Insurance
Whether you are driving across the country or renting a car overseas, consider getting rental car coverage.
Allianz offers rental car damage and theft coverage in case your rental car is damaged or stolen while on your trip.
We typically rent cars on our food travels to visit small local producers or wineries, making rental car coverage a top priority.
Depending on how you plan to get around while traveling, look into the Allianz car rental insurance coverage protection on your insurance policy.
AUTHENTIC FOOD QUEST TIP: Alternatively, when you get a rental car with Discover Car, whom we use, you have the option to purchase full rental car insurance.
Dental Travel Insurance Coverage With Allianz
Dental coverage is not top of mind for many people when purchasing insurance. Though, it is good to have protection should anything unexpected happen.
Case in point, Chiang Mai, Thailand. While in Chiang Mai, exploring the local and authentic food specialties, my tooth started throbbing unexpectedly.
After a day or two of intense throbbing, I made a dental appointment for what I thought was a simple filling.
After looking at the x-ray, the dentist told me I needed a root canal. I panicked.
I wasn’t prepared for this, and most importantly, I hadn’t envisioned my trip to Thailand involving any dentists.
The only silver lining was that I had Allianz Travel insurance. Before leaving, I had luckily made sure that our multi-trip travel insurance plan offered dental coverage as well.
The only outstanding question was, “What would it be like to file an Allianz travel insurance claim?”
READ MORE: 10 Simple Ways To Protect Your Stomach When Traveling
Allianz Travel Insurance Review – Filing a Claim Process
Filing a claim with Allianz multi-trip travel insurance is rather simple. The claim process is clearly outlined on the Allianz website.
Once you log into your account, you will have the option to file a claim from the main dashboard.
In my case, to treat the root canal issue in Chiang Mai, I needed three different dental appointments.
To make sure I had everything covered, I contacted the Allianz Travel customer support team to inform them.
In less than 24 hours, the customer service team got back to me and told me that all I needed was to make sure I kept all the invoices from the dental visits.
After successfully surviving the root canal, I gathered all my invoices and logged into my account to file a claim. In less than 30 days, my claim was approved, and I was reimbursed at the maximum limit allowed for dental insurance.
The best part about the claims process is I was able to have the funds wired directly into my bank account.
The process was streamlined and the customer service representatives were friendly and very responsive.
READ MORE: 15 Authentic Best Chiang Mai Food and Where To Eat It
Alternatives Insurance For What Allianz Plan Does Not Cover
Allianz travel insurance company plans are varied but may not be for everyone. If you’re planning for a long-stay or need more coverage for your equipment and travel adventure, you’ll likely need to look elsewhere.
Here are a couple of alternative travel insurance options for what Allianz does not cover.
SafetyWing For Trips Longer than 90 Days
One of the main reasons Allianz plan falls short for us is that trips longer than 90 days are excluded from all Allianz travel insurance plans.
Allianz insurance is best for those taking single trips or multiple trips a year each less than 90 days in length.
If you want to extend your coverage for trips longer than 90 days, we recommend and use SafetyWing. Check our full review of SafetyWing here and get a quote to find out about the pricing.
SafetyWing offers a flexible and affordable insurance policy that is perfect for our slow traveler needs.
Do note that their plans lack gear protection, so if you’re traveling with expensive equipment, keep reading.
HeyMondo For Additional Coverage on Equipment and Adventure Sports
The Allianz OneTrip Premier plan does offer limited coverage on gear and equipment, up to $1000 reimbursement.
If you’re traveling with expensive gear, however, $1000 probably won’t even come close to cover your losses.
We recommend HeyMondo as an alternative insurance if you’re traveling with expensive equipment like sports gear and electronics.
With HeyMondo, you can choose an extended warranty to best protect your belongings.
While Allianz does cover adventure travel, some activities are excluded. If you love extreme sports and plan your travels around skydiving, hang gliding, caving, or bungee jumping, Allianz insurance may not be for you.
For an alternative travel insurance that answers the needs of sports enthusiasts, Heymondo offers additional coverage.
We find that HeyMondo offers excellent, well-rounded insurance for those under 50 years old.
Their plan includes equipment coverage, sports coverage, and annual coverage that you can use to best suit your needs.
Try HeyMondo to custom-build your own travel insurance for good value and personal interests.
AUTHENTIC FOOD QUEST TIP: HeyMondo is currently offering an exclusive 5% OFF on all their travel insurance policies for Authentic Food Quest readers. Click the link to start your quote.
How Much Does Travel Insurance Cost?
Annual travel insurance policies come in all shapes and sizes. Looking over the details and fine print carefully and asking questions will lead you to the best travel insurance coverage for you.
What kind of vacation are you planning for? Will you be lounging by the pool with drinks and a book or are you planning on being physically active?
Do you think you’ll rent a car on your trip? Can you comfortably afford to replace your luggage or expensive equipment in case of loss or theft?
These are all considerations as you plan your travels. To find out your insurance cost, best is to get a quote from Allianz , HeyMondo or SafetyWing for plans that fit your needs.
In Summary
Travel is much less stressful and more fun when you are prepared. Whether you are traveling domestically or internationally, you want to have peace of mind.
Allianz travel insurance offers a trusted coverage including trip cancellation, medical coverage and lost baggage coverage.
If you are looking for additional coverage for gears and electronics consider HeyMondo. And for long stay travel, we recommend SafetyWing insurance.
The older we get and the more we travel, the more we realize we are not invincible.
Unexpected things can happen, and they do happen on the road. Rather than pay the price to fix a mistake, we stay proactive with travel insurance coverage for life’s just-in-case moments.
Where will your travel plans take you next? Please let us know in the comments below.
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Disclosure: This article has been written in partnership with Allianz Travel Insurance. Authentic Food Quest has received financial compensation from Allianz Global Assistance (AGA Service Company). As always all thoughts and opinions are our own.
Rosemary is the editor-in-chief and strategist at Authentic Food Quest.
Traveling slow since 2015 with her partner, Claire, she has explored the cuisine in 45 countries and more than 240+ culinary cities.
Her writing about local food specialties has been featured in Lonely Planet, Business Insider, Honest Cooking, Food Insider, and Huffington Post.
As a food and travel writer, Rosemary has co-authored three books, including one in collaboration with Costa Brava Tourism.
Rosemary is an avid runner when she’s not eating and exploring new destinations. She has run ten marathons and counting.
Before Authentic Food Quest, Rosemary held senior-level strategy positions in advertising.
Find out more about Authentic Food Quest
Having experienced firsthand the benefits of using travel insurance, I’m a huge proponent or purchasing it. I always use TravelGuard so haven’t tried Allianz. Really surprised that they covered your root canal, will have to check them out.
You are right Debra, it’s always great to be prepared with travel insurance. Yes, I was pleasantly surprised and very pleased that my root canal was covered by Allianz. Definitively worth checking out. Thanks, Debra for stopping by.
As you rightly mentioned, there are so many reasons to ensure travel insurance…missed flights, lost luggage, theft, electronics protection etc are just a few. There should be something for stolen passports too 🙂
Totally agree, Punita, that would be great as well 🙂 Cheers.
So Darcee & I have gotten travel insurance a few times but it always pains me to spend the money on a policy but I guess if for $500/year it isn’t too painful if you travel a few times. As for your situation, that sounds miserable to suddenly have a dental issue. I guess it was very worth it. I would totally be lost if I suddenly need a dental procedure which I recently just had one too so I understand the pain (literally!)
Love the yearly rate….definitely going to have to discuss with darcee about using Allianz Travel Insurance for our 2020 travel plans!
One of the reasons we went with Allianz is because it is so affordable. While the price might be painful initially, the peace of mind is well worth it, especially for a multi-trip annual plan. Something to definitively budget for 🙂 Thanks, Eric.
I never know whether to get travel insurance and which options are truly worth the cost, so this has been truly enlightening! It definitely sounds like Allianz is an awesome provider with how well your dental claim went. And I think you’re right that having travel insurance will just make the planning, prep and trip itself much less stressful.
It’s worth taking the time Kate, to get educated on the different insurance options. You never know when you’ll need it and it is always best to be prepared. Thanks for stopping by.
Such good and timely information. After all our years of travel, we have finally, for the first time, purchased travel insurance for an upcoming trip. I’ll have to check to see if it covers dental!!
Great to hear Tami, dental insurance is not the first thing most people think about, so definitely check it out 🙂 Cheers.
Travel insurance is a must! Didnot know that it covered dental though! Root canals are the worst. Ive had two so far. I can imagine it not being a fun process when you are travelling. Good to know that the travel insurance claim process was easy.
Thank you Shruti, and for that reason, we never travel without insurance. Glad you feel the same way too 🙂
I have to honestly say I haven’t purchased travel insurance. I can see why it is very important I just never bothered. May reconsider in the future.
You always want to be prepared for the unexpected. With travel insurance, you’ll have peace of mind. Definitively something to consider Holly:)
We totally do the annual plan with Allianz as well….gives us SO much peace of mind. Great post…i didn’t even know about the dental coverage!
Awesome to hear Mike. You really can’t put a price to the peace of mind one gets when you are covered with travel insurance. Yes, the dental plan with Allianz is amazing 🙂 Cheers.
I had absolutely NO idea that Allianz covered SO much – the rental car was a surprise – I don’t know why but I was thinking that Medical and Dental is already a lot (and I wasn’t aware it was part of travel insurance except extreme emergencies) then add in what I thought travel insurance covered – lost or stolen items, flight issues and I can understand the HUGE value that you get. I will have to check into this. It may be that I wasted a lot of money when we were traveling on the road for 18 months in the RV, it may that I could have had this and been appropriately covered! I definitely learned something new today!
Great to hear Andi. Definitively, look into Allianz Travel Insurance as you prepare for your next trip. Thanks for stopping by.
I use Allianz Travel Insurance here in the UK and made a claim with them once before and they were the best at settling me up. Because of that (and the terms and conditions) I will continue to use them. Never had a problem with them and are at a great price.
Yay, Danik. Great to hear you’ve had a great experience with Allianz too. We will keep using them as well. Cheers.
Love how simple it was with your tooth problem in Thailand.
You’re so right, we never know how much it can cost if something wrong happens on our journeys. Most of us think that the travel insurance is always related to medical issues, me included – I didn’t know for years that it can cover thefts and luggage losses etc.
Thanks for the suggestion, I’d gladly check out the Allianz.
Thanks, Danijela and glad you found the article informative. Definitively worth checking out Allianz Travel Insurance before your next trip. Always be prepared for the unexpected. Thanks for stopping by.
This is such an awesome and helpful post! Can get complicated while traveling, good to know these! Will definitely need to check them out.
Kileen
I’ve just booked our first family trip abroad to Disneyland Paris and I’d totally forgotten we needed travel insurance! Thank you so much for the reminder 🙂
Louise x
Perfect timing. Get insured and enjoy a worry free vacation in Paris 🙂
This is really informative! I’ve never thought about this kind of coverage while traveling.
Glad this helped, Mila.
I’ve always wondered if travel insurance was worth it, but it definitely sounds like it has it benefits for the unexpected!
You never what unexpected incidents will arise. It’s always best to be prepared with insurance 🙂 Thanks for stopping by.
Travel insurance is so important, I love this information!
You are most welcome, Leigh.