June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
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OneTrip Prime is the most popular Allianz Travel Insurance plan. For millions of travelers, it’s their trusted pick for protecting cruises, trips to Europe, and other international vacations.
OneTrip Premier is the best Allianz Travel Insurance plan for single-trip protection. It offers the highest benefit limits of any plan, including $75,000 in emergency medical/dental and $1 million in emergency medical transportation.
So, which one is the best travel insurance plan for your next trip? That all depends on your destination, your health, your budget, and your needs. Here are in-depth travel insurance reviews for both OneTrip Prime and OneTrip Premier, so you can compare and choose the right plan.
Traveling soon? Don’t delay—get a quote to protect your trip today.
Both plans give you robust coverage for all the most common travel mishaps, including trip interruption and cancellation, travel and baggage delays, emergency medical and dental coverage and emergency medical transportation. In general, OneTrip Premier doubles the coverage of OneTrip Prime for most post-departure benefits.
Here's a quick summary of the benefits for OneTrip Prime and OneTrip Premier. (Benefit limits are per insured person. Certain requirements, limits, and exclusions apply; read your plan documents for the full details.)
Benefit | What it Does | OneTrip Prime | OneTrip Premier |
| Trip cancellation | Reimburses non-refundable trip payments when you have to cancel your trip for a covered reason | Up to amount purchased ($100,000 maximum) | Up to amount purchased ($200,000 maximum) |
| Trip interruption | Reimburses non-refundable trip payments when you have to interrupt your trip for a covered reason | Up to 150% of amount purchased | Up to 150% of amount purchased |
| Emergency medical and dental | Reimburses covered losses due to covered medical/dental emergencies | Up to $50,000 ($750 for dental) | Up to $75,000 ($750 for dental) |
| Emergency medical transportation | Covers medically necessary transportation to a medical facility and/or your home following a covered injury or illness | Up to $500,000 | Up to $1 million |
| Baggage loss, theft and damage | Reimburses you if your bags get damaged, lost or stolen | Up to $1,000 | Up to $2,000 |
| Baggage delay | Reimburses you for essential purchases if your luggage is delayed at least 24 hours | Up to $300 | Up to $600 |
| Travel delay | Reimburses you for reasonable meals, accommodations and lost prepaid expenses if your trip is delayed at least six hours | Up to $800 ($200 daily limit); minimum delay is 5 hours | Up to $1,600 ($200 daily limit); minimum delay is 3 hours |
| Trip change protector | Reimburses fees or extra expenses from a carrier or travel supplier if you must cancel or change your airline, rail, cruise or tour itinerary for a covered reason. | Up to $500 | Up to $1,000 |
Both plans include SmartBenefits®, which can give you a fixed inconvenience payment of $100 per insured person, per day, for a covered travel delay or baggage delay (up to the maximum no-receipts limit). You don’t need to submit any receipts—just proof of a covered delay.
Both plans can cover pre-existing medical conditions, as long as the requirements are met.
Both plans include the optional Cancel Anytime upgrade, which can reimburse 80% of your unused, pre-paid, non-refundable trip costs if you cancel your trip for almost any unforeseeable reason your plan does not already cover. (Cancel Anytime is not offered in all states.)
Both also include access to 24-hour assistance, so you can get help in an emergency anywhere in the world. Both also include concierge benefits.
More than 55 million American travelers choose Allianz Travel Insurance each year, and in general, Allianz gets excellent reviews. It’s rated “great” with 4+ out of 5 stars on TrustPilot: the leading provider of unbiased, accurate consumer reviews.
TrustPilot’s summary of all 140,000+ Allianz Travel Insurance reviews says: “Reviewers had a great experience with this company. Customers appreciate the ease of use of the services and the speed with which claims are handled. People highlight that the claim process is simple, and they receive updates regularly. Consumers also appreciate the helpfulness of the agents.” Negative comments mentioned problems with cancellations, communications, and claims, such as claim denials or reimbursements that were smaller than expected.1
“Good pricing and great coverage. And in the event you need to file a claim these people are extremely helpful. With them there’s no ‘gray area’ or surprises. Highly recommended.” – verified customer RJM
“Fantastic experience. I had major cancellations and interruptions at JFK and feel fortunate to have taken out this OneTrip Prime insurance. Allianz reviewed my claim and paid out within days (rental car, gas expenses). It’s my first time claiming in 10+ policies over multiple years, and I’ll continue to use them moving forward given they provided protection when I needed them!” – verified customer Cameron
“Using Allianz gives me peace of mind. If I ever have a question, I can always get an immediate, friendly and helpful answer. Also I compared your company with others when I first used you for my first cruise last year. You have the best offering for both cruise and trip insurance! I will gladly and appreciatively use your company in the future, for which I have already bought 2 more policies, 1 cruise, 1 trip to Ireland. Your ‘One Trip Prime’ is my favorite and always will be. Thank you for making it so easy to use your online web site or talk to a live customer agent by phone.” – verified customer Shirley P.
“I purchased our One Trip Premier plan on the Allianz website. The process was seamless, as usual. And, I know how easy it is to file a claim should that be necessary. Allianz plans are a great value!” – verified customer Thomas
“I received an email from Icelandair that my flight was canceled and would not be rebooked. I was on my own. I called the Allianz Help toll free number. I was immediately connected with a person who retrieved my policy coverage details and advised me how to proceed. My original flight was in Business Class, I was told that my policy covered trip cancellation and that I could book a Business Class ticket and expect to be fully reimbursed. I was able to book a return ticket that took me from Helsinki to JFK through Heathrow. When I was home, I filed a claim with Allianz through their internet site. It was a simple procedure and I was fully reimbursed for my flight in a timely manner. The reason I will always use Allianz in the future is because when I called the toll free help line, it was quickly answered by someone knowledgeable who helped me.” – verified customer
What’s the best travel insurance for medical coverage?
OneTrip Premier gives you up to $75,000 ($750 for dental) in emergency medical/dental benefits and up to $1 million in emergency transportation.
What’s the best travel insurance for active/adventure travel?
OneTrip Premier. Here's a good rule of thumb: the more remote your destination, the more expensive emergency medical transportation will be. If you’re visiting the Amazon rainforest, or hiking through a vast national park, or sailing to an isolated island without top-quality hospital facilities, it’s wise to protect yourself with OneTrip Premier. (Certain high-risk sports and activities are generally excluded from travel insurance coverage. Read your plan for details.)
That depends on how long you’ll be gone. OneTrip Prime can cover trips up to 180 days in length. OneTrip Premier can cover trips up to 366 days in length.
What’s the best travel insurance for family vacations?
Both plans can cover kids 17 and under for free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).
OneTrip Prime is our most popular plan for vacations to Europe and other international trips.
OneTrip Premier includes hurricane warnings as a covered reason for trip cancellation/interruption, while OneTrip Prime does not. That’s one advantage of protecting your Caribbean vacation with OneTrip Premier.
OneTrip Prime offers substantial protection for cruises, and (unlike most cruise lines’ protection plans) it also applies to your airfare, hotels, and other trip expenses. See how OneTrip Prime compares to cruise line insurance plans. For extra-expensive luxury cruises, you may want to choose OneTrip Premier.
Whichever plan you choose, you know you're well protected!
As always, read your policy documents carefully so you understand what's covered by your travel insurance plan. Need help figuring out which plan is best for your next trip? Call our travel insurance advisers at 1-866-884-3556.
View all of our travel insurance products
Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.
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