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      September 26, 2018

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Insure My Trip vs Allianz

Best Travel Insurance

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

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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

2018

Travel Insurance Reviews

4 stars
Insure My Trip

INSURE MY TRIP Visit Site

Insure My Trip has come a long way, with a sleek new format to their website that brings them much closer to the top when compared with other companies.

The first question you'll have to answer is your destination, which was unique. From there, you'll be asked the usual questions about your travel dates, ages and state of residence of any travelers, and so forth - pretty standard so far.

Then, we really were blown away by Insure My Trip's results page. Right at the top, we were shown three recommended plans selected by their SMART algorithm: one matching the top coverage, one that was middle-of-the-road, and a third that was best for the budget (almost like the story of the Three Bears). There were a total of 14 different insurance companies represented in our quote; in general, Insure My Trip offers policies through 20 providers.

And, above the results, there was a place to select any must-haves for our policy: Cancel for Work Reasons, Cancel for Any Reason, Pre-Existing Condition Waiver, and so on. That made it very easy to make sure we got the policy we needed.

Finally, within the results list, each policy had a rating from 1 to 5 stars, along with numerous customer reviews (one policy, the Generali Global Assistance Standard plan, had over 7,000 reviews!). Every policy had an "Add to compare" button, so that we could easily keep track of our preferred options.

Insure My Trip gives you a review period; if you buy your policy and then find something you don't like in the fine print, you can cancel and get your money back. The terms and length of that period vary according to the provider, policy, and by your state of residence, so do check the fine print.

We also got a helpful live chat pop-up when we got to our quote results page; we could ask a licensed agent any questions we had about the policies. This level of customer support is also shown in Insure My Trip's "Anytime Advocates": if you make a claim that's denied by the insurance company, you'll be assigned a representative that will work on your behalf to understand the denial and even help with your appeal process. According to the Insure My Trip site, this advocacy program saved travelers over one million dollars since its inception in 2009!

Everything about our experience using the Insure My Trip site for our travel insurance left us feeling informed and impressed. We're confident you'll be able to quickly find the policy that best meets your needs, and that you'll have plenty of support should you need to file a claim.

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3.5 stars
Allianz

ALLIANZ 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 has been protecting adventurers, endeavors, and everyday travelers for more than 100 years.

Allianz 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 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 customers have great things to say about their travel insurance, especially in the case of a claim. Hundreds of reviews praise Allianz 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 page, from comparing Travel vs. Travel Health insurance to practical jokes for making unpacking a little more humorous.

Allianz 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.

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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!

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