Allianz Travel Insurance Review

Allianz Travel Insurance Review, An international leader in the travel insurance industry, Access America is now branded as Allianz. This review will help you to understand more about this company, and the reply of users. If have any suspects, you can contact the hotline under. To protect your journey, don’t hestitate to buy a travel insurance. Frankly speaking, what I mean is, Allianz is your suitable choice.

Company Information

US Travel Insurance Association Member                 Yes

Refund Policy                                                                   10-day Free Look Period

Travel Insurance Plans                                    

Package Plan: Essential, Basic, Classic, Classic with Trip+

Annual Plans: Annual DeluxeAnnual Executive

Medical Evacuation plans: Med Evac

Specialty Plans:

Rental Car Damage Protector

Company Contact Information                          Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23286-4684

1-800-284-8300 Main Phone

1-800-346-9265 Fax (Customer Service Inquiries)

1-804-673-1469 Fax (Claim Inquiries)

[email protected]

Policyholder Questions

1-800-284-8300

Travel Assistance/Emergencies       Inside US/Canada: 1-800-654-1908 (toll free)

Outside US/Canada: call operator & connect to 1-804-281-5700 (no charge)

Now to make everything about the company more clear, I will give you more information about the plans.

Also Read: Traveling Alone | How to Stay Safe When Visiting a New City or Country Alone

Travel Insurance Plans                                    

Package Plan

  • Essential

The Good: This plan covers the essentials for domestic travelers who want cancellation and trip interruption coverage but don’t need post-departure benefits like travel medical.

The Drawbacks: This plan is only useful for domestic travelers with health insurance coverage. It has no coverage for baggage, emergency medical, or flight accidents.

The Bottom Line: This plan is great for travelers who want to protect expensive domestic trips and avoid potential cancellation or interruption losses.

  • Basic

The Good: This is individual coverage for the basic travel protections necessary on a trip. Pre-existing condition coverage is included (if purchased within 14 days of initial trip deposit) and the plan can be enhanced with rental car coverage too.

The Drawbacks: The medical and evacuation coverage limits are relatively low when compared to other plans, especially if your trip is outside the U.S.

The Bottom Line: This plan provides coverage for the travel basics: cancellation, interruption, emergency medical and evacuations, but the coverage limits are not high.

  • Classic

The Good: This plan covers all the essential benefits with adequate limits and includes a lot of extras like coverage for change fees and redepositing frequent flyer points. Optional benefits enhance the plan with rental car coverage and cancellations due to work reasons. Kids under 17 are covered at no additional cost when traveling with a parent or grandparent.

The Drawbacks: The medical coverage may be low if you’re traveling outside the U.S., and there’s no coverage for AD&D or flight accidents.

The Bottom Line: This is comprehensive travel insurance with adequate limits for most of the benefits. While emergency medical coverage may be low, the evacuation coverage is high, as is travel delay and missed connection coverage. Plus, the plan offers some valuable extras and optional plan add-ons at very affordable prices.

  • Classic with Trip+

The Good: This plan covers all the essential benefits with comfortably high limits and includes a lot of extras like coverage for change fees and redepositing frequent flyer points. Medical coverage is primary. Add low-cost rental car coverage for extra protection. Kids under 17 are covered at no additional cost when traveling with a parent or grandparent.

The Drawbacks: The medical coverage may be low if you’re traveling outside the U.S., and there’s no coverage for AD&D or flight accidents.

Also Read: What is the importance of getting the best travel insurance?

The Bottom Line: This is comprehensive travel insurance with high limits – ideal for international vacations and family trips where the traveler wants extra protection.

Annual Plans

  • Annual Deluxe

The Good: When you know you’ll be taking multiple trips throughout the year, having a single plan makes sense because you won’t have to keep up with multiple benefits and coverage limits. This plan is an annual medical plan that includes a number of package-like benefits.

The Drawbacks: This plan’s medical limits are relatively low when compared to other plans.

The Bottom Line: This is basic medical and travel insurance protection to cover the essentials for multiple trips for one full year.

  • Annual Executive

The Good: This plan is designed for the business person who travels frequently. It provides good emergency medical and dental coverage, emergency medical transportation, travel accident coverage and a few extras to ease common business travel inconveniences.

The Drawbacks: The coverage for travel delays are low for a business traveler and the medical expense limit could be higher.

The Bottom Line: This is good coverage for the frequent business traveler – especially for those going overseas. Nice high baggage coverage and some extra business traveler benefits make this a good all-round business travel plan at an affordable annual price.

Medical Evacuation plans

Med Evac

The Good: Offered in 3-, 6-, and 12-month coverage periods, Allianz’s Med Evac plan provides worldwide emergency medical transportation, 24-hour assistance services, concierge services, travel arrangements after evacuation and more. Plan is renewable for subsequent membership terms.

The Drawbacks: Plan may not be available to residents of all U.S. states. Travelers must be over 100 miles from home, and transportation services are restricted from areas where the U.S. State Department has issued travel restrictions.

The Bottom Line: The plan’s assistance services includes a wide range of travel assistance and the plan’s evacuation limit is high, so a traveler should have all the coverage they need to get to a medical facility and later to get back home.

Specialty Plans

Rental Car Damage Protector

The Good: An affordable alternative to primary loss and collision coverage without using your personal auto insurance to cover a rental car. This plan covers financial losses due to your rental car being damaged or stolen. It covers the cost to repair or replace the vehicle and loss of use fees imposed by the rental care agency as well.

The Drawbacks: This plan includes no roadside assistance or AD&D coverage. The driver must be listed on the rental agreement.

The Bottom Line: This is a rental car only plan, so it will not cover losses for other types of travel risks. It is not comprehensive auto coverage either, so there is no coverage for injuries to other people or vehicles included. It covers only the rental vehicle.

This is all about the functions and plans of the company. So many times, you maybe wonder whether what users say. Exactly good or not.

Also Read: How to Choose the Best Travel Insurance

Darrell of High Point, NC said : “We had plane tickets for a trip from North Carolina to California. A couple of days before the flight, I ended up in the hospital emergency room with possible heart problems. The physician recommended we not make the trip. Our flight was insured with Allianz, so we submitted a physician’s summary and proof we actually did buy the tickets. The cost of our missed flight was quickly paid. It worked just as it was intended and we will continue to purchase from Allianz.”

Richard of Boca Raton, FL: “Over many years I unfortunately have had to make travel insurance claims because of illness. Allianz has been the easiest and most response to all of these claims and the quickest to answer questions and complete the claim process.”

And another side of problems. Let’s check

“Access America Travel Insurance is a TOTAL SCAM! Posted by tgteer76 on 10/22/2011 RICHMOND, VIRGINIA — Based on a recommendation on Delta Airlines’ website I purchased travel insurance from Access America. Subsequent to purchasing the ticket my wife received a diagnosis of cancer from the findings of a routine medical examination.

We had no reason to expect this diagnosis, otherwise I would not have spent $461.80 for the ticket and $26.55 for the travel insurance. Today I received a denial of claim for refund of the ticket purchase from Access America, citing my wife’s cancer as a preexisting condition. As far as I’m concerned, Access America is a bunch of crooks and Delta Airlines is nothing more than a shill for their con.”

“RipoffPosted by Reciprocity on 12/28/2010 RICHMOND, VIRGINIA — What they’re going to do is send some limited information by mail, but leave out he exclusions list, which they’ll send by email… relying on SPAM FILTERING to hide their long list of exclusions from the customers.

Then when you file a claim they’ll state “within 7-10 business days of receipt, we will contact you if further information is needed” but they won’t. They’ll make you contact them and then give only part of the information you need, thereby creating more delays and frustration, and hope the frustrated customers simply give up. If you do follow through, they’ll eventually send some more information by email asking for further information from you which reveals the hidden PDF file with all the exclusions. They will find a way to avoid payment, create delays, and rely on SPAM FILTERING to assist them in their unethical endeavors to rip off customers.”

This is a review to help you understand about a travel insurance. Get an account and see what you can get or you have talent to become a billionaire.

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