Best Reviews TopConsumerReviews.com Best Travel Insurance Best Reviews
Best Reviews
      February 16, 2019

Home  >  Travel Insurance  >  Allianz Travel vs Travel Guard

Best

Travel Insurance

  1. RoamRight
  2. Insure My Trip
  3. Travel Insurance
  4. Allianz Travel
  5. Travel Guard
  6. Quote Wright
  7. World Nomads
  8. Travel Insurance Center
  9. Seven Corners

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
The Budget Travel Guide Newsletter

Latest Reviews

Bunk Beds

Charm Bracelets

Dating Sites

Eczema

Flower Delivery

Fruit Baskets

Guitar Lessons

Hair Loss

Menopause Relief

Online Stock Brokers

Watches

 

Individual Reviews

Squaremouth

Roam Right

Insure My Trip

Travel Insurance

Allianz Travel

Travel Guard

Quote Wright

World Nomads

Travel Insurance Center

Seven Corners

 

Related Articles

What Does Travel Insurance Cost

How Travel Insurance can Save Your Vacation

What to Look For in a Travel Insurance Policy

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Allianz Travel vs Travel Guard

Best Travel Insurance

To help you find the Best Travel Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Allianz Travel and Travel Guard.

To see ALL of our reviews for the Best Travel Insurance, please Click Here

Who has the best travel insurance? The last time you took a trip, did you have travel insurance? If you were impacted by a natural disaster, suffered the hassle of lost baggage, or had a medical emergency, chances are good that you were wishing you had purchased a policy!

When it comes to tavel insurance, some people make the mistake of thinking that their credit card company offers protection, only to find out that their travel problems aren't covered. Other people forego travel insurance, assuming that their traditional health insurance policy will be enough to cover medical expenses - only to discover that it can't be used in another country.

Continue reading below reviews

Best Reviews

2019

Travel Insurance Reviews

3.5 stars
Allianz Travel

ALLIANZ TRAVEL Visit Site

Did you know that you could have your trip insured by the same company that covered the Wright Brothers' first flight and the construction of the Golden Gate Bridge? It's possible! Allianz Travel has been protecting adventurers, endeavors, and everyday travelers for more than 100 years.

Allianz Travel offers a total of nine different insurance policies, five covering single trips and four annual plans for multiple trips within a 365-day period (as opposed to a calendar year). These plans range from coverage for domestic trips with only cancellation and trip interruption benefits, through the maximum coverage for international trips with substantial emergency benefits. Both the Prime and Premier plans include free coverage for children 17 and under when traveling with a parent or grandparent.

The process for getting a quote is easy: enter your travel information, including traveler ages, dates of your trip, and total cost, and you'll be taken to a page with the plans that match your needs. When we entered our trip details, we were only offered two of the five single-trip plans, Premier and Prime; the Cancellation Plus plan didn't apply to our international trip, and we weren't given the option to choose the Basic or the Emergency Medical plans.

The prices we were quoted were comparable to similar plans with other providers, though Allianz Travel was slightly higher. We also didn't find any options for including "Cancel for Any Reason" or "Cancel for Work Reasons", which can be important for some travelers. When you get your matching policy page, you can click on the "Covered Reasons" button towards the bottom - you can then check to see if each policy has the coverage you want.

Allianz Travel customers have great things to say about their travel insurance, especially in the case of a claim. Hundreds of reviews praise Allianz Travel for courteous, knowledgeable customer service representatives who helped customers to get claims filed and paid very quickly.

We also like the Coverage Alerts feature on the bottom of the site, helping travelers understand which current events have already been established and thus are not included in coverage purchased after that date (such as named hurricanes or winter storms, travel alerts, and international incidents). You may also enjoy the featured articles on the main Allianz Travel page, from comparing Travel vs. Travel Health insurance to practical jokes for making unpacking a little more humorous.

Allianz Travel has a great reputation in the travel insurance industry, and their website is easy to use. But, with only 9 total plans to choose from, and limited options for add-ons like Cancel for Work Reasons, they don't quite keep up with some of the more comprehensive sites we checked out.

Visit Site

3 stars
Travel Guard

TRAVEL GUARD Visit Site

If you've ever gotten a travel insurance policy through a travel agent, it's likely you're familiar with Travel Guard. Backed by insurance giant AIG, Travel Guard is one of the best-known companies within the industry.

They currently offer 3 basic plans for your travel insurance needs:

  • Silver: covers your trip with basic coverage amounts
  • Gold: most popular for international travelers and includes coverage for medical expenses, trip cancellation/interruption, lost/delayed baggage, severe weather, strike, and medical evacuations
  • Platinum: highest level of medical expense coverage, additional coverage if purchased within 15 days of your initial trip deposit

To get your quote, you'll need to enter your destination, whether you're traveling by air or sea, the dates of your trip, and the trip cost. From there you'll be taken to a results page showing your options for all 3 available plans. For our quote, children were included at no additional cost for the Silver and Gold plans but not for the Platinum package - it seems that the highest level of coverage would have the most benefits, but apparently not.

The Platinum and Gold coverage both had Cancel for Any Reason as an optional upgrade, and all three plans offered a Pre-existing Condition Waiver if coverage was purchased within a specific timeframe of the initial deposit (usually 15 days).

One interesting limitation is that all travelers must live in the state of residence entered. We're not sure how this would work for grandparents traveling with grandkids who live in another state or for friends traveling together who live on opposite sides of the country.

Travel Guard enjoys an A+ rating as an accredited business with the BBB and has been in operation for nearly 40 years. Their reputation is positive, as shown by the fact that many comparison travel insurance sites include Travel Guard policies. But, shopping directly through Travel Guard does limit you to only 3 base plans that may not have all of the options you could get through a higher-ranked travel insurance site.

Visit Site

Continued from above

Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the added expense for the protection it provides.

Just like more traditional forms of insurance, such as medical and auto, travel insurance varies in terms of coverage, options, and costs. Depending on what you select, your policy may cover just the bare basics, like trip cancellation/interruption and baggage/personal items coverage. Or, you may opt for a very comprehensive plan that allows you to cancel your trip for any reason - not the standard list of covered cancellation reasons - and includes coverage for accidental death, emergency evacuation from a foreign country, and so forth.

There are many different companies that specialize in travel insurance. How do you know which one to choose? As you consider your options, here are several aspects to keep in mind:

  • Reputation. Does the travel insurance company have an established track record for customer satisfaction, not just during the process of buying a policy, but more importantly when claims are made? Has the business received any accreditations from A.M. Best or the BBB?
  • Selection. Can you find a wide variety of policies through this business? Do you have the ability to add on optional features, like Cancel for Work Reasons or Pre-existing Conditions coverage?
  • Cost. Does the site offer policies within your budget range? Travel insurance premiums are strictly regulated, but not every site offers policies on both ends of the price spectrum and everywhere in between.

TopConsumerReviews.com has reviewed and ranked the best Travel Insurance companies currently available. We're confident that this information will help you select the right travel insurance policy to cover yourself - and your travel companions - in the event of any unforeseen complications with your trip!

Celebrity Travel Mishaps: Even Music and Movie Stars Can Benefit from Travel Insurance

NEW YORK, N.Y., Feb. 15, 2019 (SEND2PRESS NEWSWIRE) - Scrolling through the Instagram feeds of famous celebrities might lead to the belief that stars never experience the same travel mishaps that ordi...

Published:  Fri, 15 Feb 2019 07:00:00 GMT



Buying medical travel insurance can save your life

INDIANAPOLIS, Ind. - Travel medical insurance is something 75% of Americans never buy when travelling overseas. It's something commonly bought around the world and Americans are finally ...

Published:  Fri, 15 Feb 2019 03:01:00 GMT



How Annual Travel Insurance Could Save You Money

Ed Hewitt started traveling with his family at the age of 10 and has since visited dozens of countries on six continents. He wrote for IndependentTraveler.com for more than 20 years, producing hundred...

Published:  Mon, 11 Feb 2019 11:00:00 GMT



APRIL Launches New Plan for Annual Travel Insurance

For travelers who take three or more trips per year for business or leisure, APRIL Travel Protection is launching an Annual / Multi-trip Preferred plan on TravelInsurance.com. The plan includes 11 ben...

Published:  Thu, 14 Feb 2019 11:31:00 GMT



How One Family's Medical Emergency Reinforces Need for Travel Insurance

A college student's case of acute appendicitis on a cruise underscores the importance of acquiring travel insurance when traveling abroad. Photo: Shutterstock News websites and social media have been ...

Published:  Mon, 11 Feb 2019 07:14:00 GMT



Travel Insurance Market to Peak Demand by 2024 at a CAGR of 8.26% - Travel Safe, Seven Corners, InsureandGo, Travelex Group

**Moreover, it will also include the opportunities available in micro markets for stakeholders to invest, detailed analysis of competitive landscape and product services of key players. - Who are ...

Published:  Wed, 13 Feb 2019 18:47:00 GMT



Discounts to insurance: Many ways seniors can save on travel

DALLAS - Most seniors have more free time for leisure activities including travel, but money is tighter when the paychecks stop at retirement. Retirees who want to travel can make those trips more aff...

Published:  Wed, 06 Feb 2019 12:47:00 GMT



How to snag a 'glitch' flight (and other travel hacks that will save you money)

Off-season travel also makes the case for buying travel insurance. As a general rule, you should get travel insurance if you cannot afford to lose the cost of your trip if "something" happened. The "s...

Published:  Fri, 15 Feb 2019 16:27:00 GMT



Travel Insurance Market 2018 Globally Industry Caught CAGR Of 4.7% Forecast By 2026

Feb 08, 2019 (WiredRelease via COMTEX) -- Travel insurance plans are designed to cover costs and losses and reduce the risks associated with unexpected events encountered while traveling. It is a usef...

Published:  Thu, 07 Feb 2019 22:31:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure