Allianz Global Assistance

Allianz Global Assistance

  • Plans Offered
  • Pricing
  • Customer Service
  • Claims

Allianz Travel Insurance is a brand of Allianz Global Assistance (formerly known as Access America) and is owned by Allianz, the world’s largest insurance company, which has been in business for over 100 years. They are underwritten by AGA Service Company, which is rated A (Excellent) by A.M. Best.


Better Business Bureau (BBB) Rating:



1) Click here to get a travel insurance quote from Allianz

2) Click here to compare quotes from multiple travel insurance companies


When you are traveling to another country, there are so many things that can go wrong. You could lose your luggage, miss your flight, face delays, or even suffer from an illness. To ensure that you are protected from these situations, take a look at travel insurance plans for your trip. These insurance plans provide the financial security and emergency services that could be essential during your trip.If you are looking into trip insurance companies, one to consider is Allianz Global Insurance. This company has a long and storied reputation of excellence in the travel insurance business. Allianz has been around since the 1950’s, providing them with a unique level of experience in this industry.

Detailed Information About Allianz Global Assistance

Allianz Global Assistance was formed in the 1950’s in Switzerland, and the company has grown leaps and bounds since then. Allianz is revered as one of the top insurance companies in the world. Their claims record is exemplary and their customer service is often viewed as one of the best in the industry.Allianz is a company that has always believed in fair prices for their insurance plans. They offer affordable insurance with the kinds of services that are essential to those who travel abroad.

Plans Offered by Allianz Global Assistance

Allianz Global Assistance has three trip insurance plans around which their business is based. Here are those plans:

Basic Plan:

The Basic Plan is designed for those who want quality insurance coverage, but do not want to pay a large premium to get it. There is 100% coverage for trip cancellation and trip interruption. There is monetary compensation for emergency medical/dental situations, emergency transportation, baggage delays, trip delay, and baggage loss. There is a 24/7 hotline where customers can call, while they are on their trip.

Classic Plan:

Every feature in the Basic Plan is included in the Classic Plan, along with some new features and greater monetary compensation. For trip interruption, coverage is up to 150%. For emergency medical and dental situations, compensation is more than doubled. Baggage coverage and delay compensation is also greater, along with trip/travel delays.

The Classic Plan includes missed connection coverage, change fee coverage, frequent traveler coverage, and a 24 hour hotline for assistance.

Deluxe Plan:

The Deluxe Plan is Allianz’s most comprehensive insurance policy. This plan is for those who want no stone left unturned in their insurance coverage. Monetary compensation is far greater for emergency medical/dental situations, emergency transport, baggage coverage, baggage delay, trip cancellation, missed connections, and change fee coverage. There is monetary compensation for travel accidents, collision/damage insurance, and extra coverage for frequent fliers.

This plan even has a dedicated website, at where customers can get special information about their destination and their insurance policy. This plan is designed to protect individuals and families to the fullest extent. Once you get the Deluxe Plan, you will know that you are 100% covered by Allianz.


  1. We went with Allianz because it seems like a trustworthy brand and large company / underwriter. I have heard some bad things from friends who have purchased travel insurance plans from unknown companies who went under. I did not need to submit a claim and am generally happy with the experience.

  2. I won’t get into the details here, but I was not fully satisfied with the claims process of Allianz (fka Access America). I purchased a policy with my Jetblue flight and did not have a positive claims experience.

  3. This is the worst insurance company I ever see. They are very tricky to the customer by creating the precondition to deny any customer claim. Do not waste your money to buy the insurance for your trip from this comany. The Orbitz will loose the customers because of this company.

  4. I purchased an travel insurance from allianz in Italy through KLM online booking website one day before my trip to Kenya. Trip period: 06/11/2013 to 22/11/2013. I got to the final payment page where l inserted my VISA card details. I didn’t get any payment confirmation so l went through the same payment process using a different VISA card but again no payment confirmation. So l assumed that the insurance purchase date was not acceptable because it was too close to departure date. I decided to purchase The ins cover through another company just to find out that they had debitted the VISA cards with different amounts. Hoping that the cover had gone through l wrote to allianz customer Service asking for The policy or a refund. The answer was that l would be’ contacted although there was no travel ins cover. My travel was completely destroyed by this uncertainty because one Of The travellers is very old and felt very unsafe having no ins cover Overseas .
    His blood pressure was constantly high because Of this The whole group was stressed to The point Of not enjoying The holidays. I shall not engagé a lawyer because it’s very expensive but will post this in every blog available including facebook hoping allianz global assistance group gets it and refund my money and loss Of holiday.

  5. Allainz is the worst company I have ever used in the USA. Never buy any insurance products from them. Why does Alaska Air carry their deceptive products? Allianz does not pay claims and is expert in flim flam. Buyer beware!

  6. I must first state that this is the first negative review I have ever posted in regards to any product or service. I usually suffer in silence when I have a poor experience or product. However, I feel compelled to educate the everyday consumer to the poor service and reimbursement that they supposedly cover with their travel insurance. As you may well know, Insurance companies are in the business to make money not protect you. The odds are on their side much like gambling in casinos. I will therefore never utilize allianz as my travel insurance again. I t is important when getting your insurance with allianz and if your flight is cancelled, it does not matter when you are rebooked ( in my case 2 more days), they will only provide up to the limit when the next plane flies to your destination whether or not you are rebooked on that flight or a later flight. My hope is to educate the travelers that are contemplating the use of allianz and ask for other options when offered insurance. But as in any financial transaction, be sure to ask questions and read the fine print.

  7. I had a good experience with Allianz in terms of purchasing and needing to interact with their customer service team.

  8. The worst Insurance policy ever!
    Do Not use Allianz they would not refund you the money if you get insurance for the flight that you cancel later. WORST CUSTOMER SERVICE. THEY ROB YOU!

  9. Allianz failed to pay my claim for not being medically able to go on my trip. Specifically they state that since I sought medical advice for a condition within 120 days prior to booking and insuring my trip they are not liable.

    Specifically I saw my doctor June 2nd for ankle pain. Testing and his prognosis based on my visit was arthritis due to a previous injury in 1987 (crushed Fibia and open fracture of Tibia). Based on this and knowledge of my exercise regime this was reasonable. Ibuprofen and/or Advil was recommended.
    I allowed time for healing and began exercising (stair climber, biking, and weights) 2 weeks later. On June 30th with no additional issues I booked a trip to mexico.
    The first week of July I felt a “snap” in my ankle and had difficulty walking. I again sought medical advice and on July 20th it was determined I had separated my Brevis Tendon from its anchor point. I had surgery for tendon replacement, heal misalignment, and metatarsil deformity on August 13th.
    I have reviewed the contract provided my Allianz and literature on their website and come to my personal conclusion I was certified by my physician as only having arthritis in my ankle and was able to travel at that time. This has been a chronic issue for years and never prohibited me from normal activities. The injury documented in July was acute and obvious from a visual standpoint (I could not straighten my ankle when standing and it was considerably swollen). Allianz website specifically states if you have a concern about your medical conditions you should have a physician evaluate your’ ability to travel prior to purchasing insurance. I did this and provided this documentation to Allianz, including the my doctors evaluation that I did not have a separated tendon at this time. However according to Allianz simply because I saw my doctor for this ankle 120 days before booking they are not liable.

    I can understand their position from a company standpoint and making money. However if we as people consult our physicians who are knowledgeable to ensure we are capable and should book a trip, then injure ourselves or a condition deteriorates I believe we have done all we can to protect ourselves and the insurance company from foreseeable issues. I also believe if we provide all this information to the insurance company including tests and doctor prognosis they should do everything for their customer.
    Based on my interactions with Allianz their people seem nice, however their policies and bottom line are not customer oriented; and they can simply deny a claim for whatever they want without the customer having easy recourse (e.g. who do you take to small claims court to fight this?).
    I have never had problems with insurance companies before, and had I read the reviews I found for this one would have never used them. My advice is do not simply use the one that ‘pops up’ when you book with an airline or hotel…….do your’ research.

    • Hello John,
      Thanks for sharing your feedback on Allianz here. In the insurance world, if you see a doctor for something in the 120 days prior to purchasing a policy (sometimes this date varies by provider and policy), it is looked at as a pre-existing condition. Most travel insurance won’t cover pre-existing conditions unless you buy a policy that offers a waiver of the pre-existing condition exclusion. This is typically offered on a few policies if you purchase the insurance within a set amount of days from your initial trip payment date and also insure all of your trip costs and other requirements which vary among providers. It is important to read all coverage details (such as those about pre-existing conditions) before buying travel insurance so you get the right coverage.


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