Allianz Travel Insurance Review

The largest travel insurance brand in the US by review volume, sold by an agency and underwritten by two carriers rated A+ and A.

About Allianz Travel Insurance

The largest travel insurance brand in the US by review volume, sold by an agency and underwritten by two carriers rated A+ and A. Allianz Travel Insurance is offered by AGA Service Company (underwritten by Jefferson Insurance Company and BCS Insurance Company) and currently holds an average rating of 4.1 out of 5 across 199,297 user reviews. It falls into the Travel Insurance category and tends to be the strongest fit for travellers who want a large, financially strong underwriter behind the policy.

Editorial grade: B- (composite score 70/100).

Highlights

OneTrip Basic starts at $27: $10,000 trip cancellation, $10,000 emergency medical, $50,000 medical transport
Jefferson Insurance Company rated A+ (Superior) by AM Best; BCS Insurance Company rated A (Excellent)
Annual multi-trip plans available alongside single-trip cover
24/7 assistance line, which is the part of the product most travellers actually use

What we like

Two underwriters, both investment grade, and Allianz names them plainly in its own disclosures
Largest review base in the category by a wide margin, so the score means something
Annual plans price well for anyone taking more than two trips a year

Where it falls short

The advertised $27 buys OneTrip Basic, which caps medical at $10,000 and baggage at $500
Cancel Anytime reimburses only 80% and is capped at $16,000, worse than an uncapped 75% CFAR elsewhere, and is not sold on the Basic plan or in every state
AGA Service Company settled two federal class actions in 2023-24 over an 'assistance fee' bundled into the quoted price that plaintiffs said was not filed with regulators as premium; settled without admission

Fees, minimums, and rates

Monthly fee: From $27 per trip (OneTrip Basic). Minimum to open: N/A. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

For this review of Allianz Travel Insurance, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Travel Insurance shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.