Allianz Travel Insurance

[cbfb]

We have 4 trips booked in the next 12 months, 3 cruises, one land trip to Italy,  so I am looking at getting a year plan for myself and husband. Anyone have experience with filing a claim with this company? I feel like that’s when you know if they are truly good. Thanks for any help. 

[39august]

You would probably get better results if you post this question on the travel insurance forum. 

[cbfb]

17 minutes ago, 39august said:

You would probably get better results if you post this question on the travel insurance forum. 

Thank you! I didn’t realize there was one. 

[Babr]

14 minutes ago, cbfb said:

We have 4 trips booked in the next 12 months, 3 cruises, one land trip to Italy,  so I am looking at getting a year plan for myself and husband. Anyone have experience with filing a claim with this company? I feel like that’s when you know if they are truly good. Thanks for any help. 

A note of caution - annual plans are primarily for medical coverage. Allianz offers some travel benefits, but they are capped. Cancellation may be only $15,000 per year.
 

If you are thinking of pairing it with credit card coverage, know that their coverage does not mirror comprehensive travel plans. For instance, trip interruption with Chase Sapphire covers unused prepaid nonrefundable expenses, but it does not provide for return transportation. More significantly, trip delay - which is the provision that would pay for quarantine - is only $500 and covers only delay caused by common carrier. No quarantine coverage even at that paltry level.

 

 

 

 

 

[Orator]

43 minutes ago, cbfb said:

We have 4 trips booked in the next 12 months, 3 cruises, one land trip to Italy,  so I am looking at getting a year plan for myself and husband. Anyone have experience with filing a claim with this company? I feel like that’s when you know if they are truly good. Thanks for any help. 

You might want to go to the Crystal board and check the refund thread. There is discussion of several companies .

[cbfb]

23 minutes ago, Babr said:

A note of caution - annual plans are primarily for medical coverage. Allianz offers some travel benefits, but they are capped. Cancellation may be only $15,000 per year.
 

If you are thinking of pairing it with credit card coverage, know that their coverage does not mirror comprehensive travel plans. For instance, trip interruption with Chase Sapphire covers unused prepaid nonrefundable expenses, but it does not provide for return transportation. More significantly, trip delay - which is the provision that would pay for quarantine - is only $500 and covers only delay caused by common carrier. No quarantine coverage even at that paltry level.

 

 

 

 

 

Thank you! I didn’t realize they were capped per year I thought it was per trip. They don’t make that clear so I appreciate your response. 

[Steve&Teri]

Yes a few years back we had a trip to Alaska booked for my father in laws 90th birthday it was a bucket list trip unfortunately he passed away just after final payment and we just couldn't bring ourselves to go without him Allianz refund everything within 2 weeks.  I also had a hospital visit in Aruba another year due to a severe sprained ankle we thought it might have been broke the paid without any hassle they are our go to company for travel insurance. 

 

[Babr]

3 minutes ago, Steve&Teri said:

Yes a few years back we had a trip to Alaska booked for my father in laws 90th birthday it was a bucket list trip unfortunately he passed away just after final payment and we just couldn't bring ourselves to go without him Allianz refund everything within 2 weeks.  I also had a hospital visit in Aruba another year due to a severe sprained ankle we thought it might have been broke the paid without any hassle they are our go to company for travel insurance. 

 

Are you referring an annual plan or a single-trip comprehensive plan?

 

Allianz is a good company, but one needs to understand its various products in order to choose the one that meets his needs.

[kearney]

I have used Allianz, and have booked through insuremytrip and squaremouth. the only one I needed to make a claim was Allianz. The situation was..upon returning from a cruise ATL was closed for several days due to ice. When it became clear that not only would we not make it home on Friday... but the airline couldn't confirm that we would make it home by Monday... we decided to rent a car and return home. Shortly after returning home I wondered in our Allianz policy would cover any of the cost of returning home.. within 2 weeks we had payment which..as I recall..covered car rental and gas... hotel stays and I believe meals .. at the time we received more than we had paid for the coverage. So I like Allianz. I did purchase an annual plan.. recognizing that it would likely only cover the cost of one cruise being cancelled. However, since I had scheduled our cruises more than 90 days apart..my logic was that if something happened during one that would cause me to cancel later cruises..I would have the time to do so..only losing deposit. Fortunately I didn't need that. Since then I noticed that their prices were a bit higher on their individual trip policies... so I tried insuremy trip... I liked this experience along with squaremouth... both represent multiple insurance companies and you can tailor your policy for your needs... once I did that and had a few options...I would call and talk to an agent.. they not only answered questions but pointed out some benefits and cons of some of the policies I was considering. 

[cbfb]

12 minutes ago, kearney said:

I have used Allianz, and have booked through insuremytrip and squaremouth. the only one I needed to make a claim was Allianz. The situation was..upon returning from a cruise ATL was closed for several days due to ice. When it became clear that not only would we not make it home on Friday... but the airline couldn't confirm that we would make it home by Monday... we decided to rent a car and return home. Shortly after returning home I wondered in our Allianz policy would cover any of the cost of returning home.. within 2 weeks we had payment which..as I recall..covered car rental and gas... hotel stays and I believe meals .. at the time we received more than we had paid for the coverage. So I like Allianz. I did purchase an annual plan.. recognizing that it would likely only cover the cost of one cruise being cancelled. However, since I had scheduled our cruises more than 90 days apart..my logic was that if something happened during one that would cause me to cancel later cruises..I would have the time to do so..only losing deposit. Fortunately I didn't need that. Since then I noticed that their prices were a bit higher on their individual trip policies... so I tried insuremy trip... I liked this experience along with squaremouth... both represent multiple insurance companies and you can tailor your policy for your needs... once I did that and had a few options...I would call and talk to an agent.. they not only answered questions but pointed out some benefits and cons of some of the policies I was considering. 

Thank you! I will call, good advice. 

[miched]

I use them.   I am only interested in the medical coverage.    Being on Medicare my coverage ends 4 hours after the ship leaves the US port.  My Medigap  policy supplements Medicare.   If Medicare doesn’t cover it my Medigap doesn’t either.    For me the cost of the cruise is already money spent and won’t break me like a huge medical bill would. 
 

Happy cruising 🌊🚢🇺🇸🌅

[Joywrk]

We had purchased a cancellation and interruption policy from them for a very expensive Crystal cruise. We had to cancel as My husband had a slight stroke. They were awful! Said the trip should never have been insured as it was too expensive. Returned our fee and wouldn’t cover it. We got another agent we have used involved and he wa able to finally get us some of the money. It took over a year. I would never use them again.

[Orator]

27 minutes ago, miched said:

I use them.   I am only interested in the medical coverage.    Being on Medicare my coverage ends 4 hours after the ship leaves the US port.  My Medigap  policy supplements Medicare.   If Medicare doesn’t cover it my Medigap doesn’t either.    For me the cost of the cruise is already money spent and won’t break me like a huge medical bill would. 
 

Happy cruising 🌊🚢🇺🇸🌅

Check GeoBlu annual policy.

[miched]

2 hours ago, Orator said:

Check GeoBlu annual policy.

Thanks will do 

 

Happy cruising 🌊🚢🇺🇸🌅

 

 

[Host Kat]

On 4/16/2022 at 10:24 AM, cbfb said:

We have 4 trips booked in the next 12 months, 3 cruises, one land trip to Italy,  so I am looking at getting a year plan for myself and husband. Anyone have experience with filing a claim with this company? I feel like that’s when you know if they are truly good. Thanks for any help. 

 

Howdy @cbfb 

 

Your thread has been moved to the correct forum where it will be on topic. I hope this will be helpful and glad to have you aboard Cruise Critic! 

 

Happy sails,

 

Host Kat