Allianz Travel Insurance Review

Allianz  Travel Insurance Review

Allianz Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Allianz Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Allianz and who underwrites their policies?

Originally formed in Switzerland in the 1950's, previously known as Mondial Assistance and based in the UK in the 1980's, the company underwent a brand change and merger in 2011, to become known as Allianz Global Assistance.

Covered under the FSCS (Financial Services Compensation Scheme).Their Travel Insurance Policies are underwritten by AWP P&C SA and administered by Allianz Global Assistance. AWP (formally AGA International) are based in Germany and are in fact a subsidiary of Allianz Global.

Single trip travel insurance starts from as little as £4.39 with annual policies from £43.71 and three levels of cover to choose from Bronze, Silver or Gold, you can travel knowing Allianz has you covered 24/7.

Allianz Travel Insurance Policies are Underwritten By AWP P&C SA

How Allianz Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Allianz Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Allianz Travel Insurance, they are Gold, Silver, Bronze, we have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Single Trip Travel Insurance Guide here
Allianz Travel Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Allianz Travel Insurance, they are Backpacker, we have rated these as follows:-

Rating for Backpacker Backpacker:

Backpacker Travel Insurance Guide here
Allianz Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Allianz Travel Insurance, they are Bronze, Silver, Gold, we have rated these as follows:-

Rating for Annual Bronze:

Rating for Annual Silver:

Rating for Annual Gold:

Annual Travel Insurance Guide here
Allianz Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Allianz Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Allianz Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children are described as any child living at the same address as the insured adults (including foster children) aged 17 and under and in full time education.

2

What are the policy age limits?

  • For Single and annual trip cover, you will only be covered if you are aged 64 or under at the date the policy was issued.
  • For Backpacker cover, you wil only be covered if you are aged 35 or under at the date the policy was issued

3

What are the policy Trip Duration limits?

Single Trip: A maximum of 180 days

Annual Trip: An unlimited number of trips with each trip lasting no longer than 31 consecutive days.

Backpacker Travel: A maximum of 365 days

4

What does the policy offer for Winter Sports cover?

Wintersports cover can be included as an optional extra on the single trip, annual trip and backpacker policy. The following activities are covered under the winterports section.

  • Skiing, snowboarding, big-foot skiing, cross - country skiing, glacier skiing, mono-skiing, sledging, snow blading and tobogganing. Off piste skiing is covered when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

The bronze policy provides minimal ski cover. The silver, Gold and Backpacker policy all cover the following:

Ski Pack up to £300, own ski equipment up to £400 (single item £300) Hire of ski equipment £200, Piste closure £20 per day up to a maximum of £200. Avalanche closure £25 per day up to a maximum of £250

To give you an idea of costs, the premium based on a 35 year old travelling to Europe for seven days including wintersports is Bronze £24.88  Silver £28.44  and Gold £32.70

There is no cover for:

  • Bobsleighing, heli skiing, luging, ski acrobatics, ski flying, ski jumping, ski racing, ski stunting or snow cat skiing.

5

What is classed as a family and how many people can be quoted for?

The policies are open to individual travellers, couples who have lived together for at least six months, Families, two adults and up to 12 children.

Groups of up to 12 individuals, although there doesn't appear to be any volume discount available.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The EHIC (European Health Insurance Card) is recommended by Allianz but not compulsory. In Australia you have the option to enrol in medicare which will entitle you to subsidised hospital treatments and medicines. If you make use of these arrangements and they reduce your medical expenses, you will not have to pay any excess.

7

What is covered under Sports and Activities on the policy?

The following activities are automatically covered under the allianz travel policy:

banana boating, cricket, cycling, deep sea fishing, fell walking, glacier walking, golf, hiking, horse riding (not competitions, show jumping, hunting, eventing, polo or rodeo), jet skiing, marathon running, mountain biking, netball, orienteering, parascending over water, ringos, running, safari trekking in a vehicle (must be an organised tour), scuba diving to a depth of 30 metres (if you hold a certificate of proficiency or you are diving with a qualified instructor), snorkelling, surfing, swimming, trekking, wakeboarding, walking, water skiing, windsurfing and zorbing.

Anything that is not on the above list is automatically excluded. If you wish to include a pursuit not listed, then you should contact Allianz on 0208603 9653, to see if they can provide cover and how much it will cost.

8

What are the policy Alcohol Exclusion terms?

The policy excludes any claim relating to the effect of your alcohol and/or you being under the influence of alcohol, or doing anything as a result of using alcohol.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

The policy does not provide any cover in respect of Scheduled Airline or End Supplier Failure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

All Allianz travel policies exclude pre existing medical conditions, where in the last twelve months you;

  1. Have been prescribed medication;
  2. Have received treatment or attended a medical practitioner for any medical condition;
  3. Have attended a hospital or a clinic as an out-patient or in-patient;
  4. Have been referred for tests, investigations, treatment, surgery or are awaiting results;
  5. Have been diagnosed as having a terminal illness;

If the answer is yes to one or more of the above questions, you are able to declare these conditions and get a quote online, using the online medical screening facility, but only in respect of Single Trip Travel policies.

There is no option to declare medical conditions under the annual travel policy.

11

What are the policy rules on travelling when pregnant?

The policy does not provide any information regarding pregnancy or childbirth. If you are taking out an Allianz policy and intend to travel whilst pregnant, we strongly recommend contacting the Insurer to let them know of your specific circumstances. Make sure you get any confirmation in writing.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The policy excludes any cover for manual work. There is no definition of "manual work" in the policy, so if you intend to work whilst abroad, we strongly recommend contacting Allianz to make sure you are covered.  

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Yes you must provide original receipts, vouchers or other suitable evidence of purchase / ownership / value for lost, stolen or damaged personal possessions

Confirmation, such as foreign exchange receipts and withdrawal slips, from your bank or bureau de change for issuing foreign currency, or suitable evidence for Sterling.

Keep any damaged items as Allianz may need to inspect them. Obtain an estimate for repair for all damaged items. Please note an amount for wear, tear and loss of value will be deducted.

14

What does the policy cover in the event of war, terrorism or cyber attack?

The policy excludes cover in respect of

War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil commotion, rebellion, revolution, insurrection, military force, coup d’etat, terrorism
or weapons of mass destruction.

The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date

(this does not apply to claims made under Emergency medical and associated expenses - Section 2 and Personal accident - Section 7)

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

The policy does not provide any cover in respect of natural disaster or catastrophe.

16

Do I have to be a UK resident to be covered under this policy?

To be eligible for an Allianz policy, you must have your main home and be registered with a doctor in the UK, the Channel Islands, or the Isle of Man. You must not have spent more than six months abroad during the year before the policy was issued.

Allianz 's 'User Friendly' Rating

That's Insurance have reviewed Allianz 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Allianz rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Allianz Travel Policies

We've highlighted Pro's anc Cons for Allianz , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Allianz Travel Insurance.

  • Online medical screening in respect of Single Trip Travel Insurance
  • Quick and Easy to use quotation system
  • No online medicial screening in respect of Annual Travel Insurance
  • A small list of acceptable sporting or leisure activities compared to other Insurers
  • No cover in respect of scheduled Airline or End Supplier Failure, or Natural Disasater/Catastrophe

What Cover do Allianz policies offer.

We've listed below cover levels for policies offered by offered by Allianz Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    75

    100

    100

    75

    50

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    1,000,000

    1,000,000

    5,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,500

    500

    500

    2,500

    5,000

    2,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    15,000

    5,000

    5,000

    15,000

    20,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    0

    0

    1,500

    2,000

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    300

    0

    0

    300

    300

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    400

    0

    0

    400

    500

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    0

    0

    25,000

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    500

    200

    200

    500

    1,000

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    150

    50

    50

    150

    200

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    250

    100

    100

    250

    300

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    500

    250

    250

    500

    750

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Allianz Travel Insurance.

Listed below are some Sample Quotes offered by Allianz Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 14

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 21

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 50 - 59

Trip Days: 21

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 49

Trip Days: 365

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Individual

Age: 40 - 49

Trip Days: 365

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 18 - 29

Trip Days: 365

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 1,000,000

Cancellation 500

Missed Departure 250

Delayed Departure 100

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 25

Trip Days: 180

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 25

Trip Days: 30

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 365

Allianz  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Allianz Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Allianz - No Current Discount Codes

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Customer Reviews of Allianz Travel Insurance

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