When you’re far from home, anything can happen. That’s why it’s so important to have reliable travel insurance from a company with a solid reputation. You need to know that you’re protected, and that you have someone on your side helping make things right.

That’s what we do for travelers every day of the year, all over the world.

Here are the answers to some common questions about who we are, how Allianz Travel Insurance works, and what to do if you have an unexpected credit card charge from AGA Service Company.

What is Allianz Travel Insurance?

People know us as Allianz Travel Insurance; our official company name is Allianz Partners. Our parent company, Allianz SE, is the top insurance brand in the world.

We offer a broad range of travel insurance plans to protect you, your family, your trips, and your peace of mind.

Learn more: How Travel Insurance Works

Is Allianz Travel Insurance legit?

The short answer: Yes, we are! Here’s how you know Allianz Partners is a good, reliable company for travel insurance.

• We’ve been around a long time.For more than a century, we’ve been helping customers face just about every challenge travel can throw their way.
• We’re trusted by millions of travelers. Nearly 59 million American travelers choose Allianz Partners to protect them on their journeys—so you know you’re in good company.
• We get great reviews. We have 4+ stars on Trustpilot, reflecting the opinions of more than 150,000 customers. Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews, so you can rely on their assessment.
• We win awards for our service. For many years, we’ve been named Reader’s Choice for travel insurance by Travel Weekly. Allianz Partners has won Gold for Best Insurance Provider Overall in the Travvy Awards, and also has been named Best Insurance Provider Customer Service for 10 years running.
• We partner with thousands of the world’s top travel brands. Leading airlines, travel agencies, and lodging brands recommend Allianz Travel Insurance to their customers.

What do Allianz Travel Insurance reviews say?

Here’s Trustpilot’s summary, unedited, of all 150,000+ reviews of Allianz Travel Insurance:

Reviewers had a great experience with this company. Customers appreciate the clear instructions and prompt responses received when filing claims. Many consumers highlight the ease of the claim process, especially the seamless online portal for submitting documentation. People also mention that the service is great and the company compensates fairly for losses. However, some reviewers express mixed feelings regarding claims and refunds, citing a lack of clarity in required documentation and prolonged review times. Despite these concerns, many customers are pleased with the speed of payment once a claim is approved. Overall, reviewers value the peace of mind that comes with having travel insurance from this company, with many stating they would use the service again and recommend it to others.

We appreciate our customers’ honest reviews. When someone has a complaint, we reach out ASAP to see if we can resolve it (more on that in a moment).

What is the “AGA Service Company” charge on my credit card?

Customers sometimes are confused when they see a charge on their credit card statement which says, “AGA Service Company, Richmond.” They may worry: Is it fraud, or an unauthorized charge?

“AGA Service Company” is Allianz Partners. You may have purchased insurance directly from us or in the course of a third-party transaction—while buying an airline ticket or a concert ticket, for instance. If you are concerned about an unexpected PayPal or credit card charge from AGA Service Company or Allianz Partners, just do these two things:

1. Check your inbox and your spam folder for a confirmation email from Allianz. It will explain exactly what coverage you purchased.
2. Did you intend to purchase that coverage? If so, you're all set. If not, you have at least 15 days from the date of purchase, depending on your state of residence, to cancel your plan and receive a refund. If you’re still within that review window, you may cancel your policy online.

You can also call us at 1-866-884-3556 or email us here. Our customer service team is ready to help.

How do I get my money back from Allianz Partners?

If you’re not completely satisfied with your travel insurance plan, you have up to 15 days (or longer, depending on your state of residence) to request a refund, as long as you haven't departed for your trip or filed a claim. The easiest way to cancel your travel insurance is to use our online plan management tool. You can also contact us for help.

What if the review window has passed? After that time, you can’t cancel your travel insurance policy—even if you end up canceling your trip. However, you may be able to change your coverage dates to protect the next trip you take. Use the online plan management tool to change your coverage dates and certain other details, as long you haven’t filed a claim and your original departure date hasn’t yet passed. 

Does Allianz Travel Insurance pay out?

When a customer files a claim caused by a covered reason, we do our best to review and approve it quickly, so we can reimburse their losses.

It’s important to understand, however, that travel insurance does not cover every situation you may encounter while traveling.

Allianz Travel Insurance plans, like other travel insurance plans, outline specific covered reasons that may entitle you to reimbursement for non-refundable trip costs. There are covered reasons for trip cancellation, trip interruption, and other benefits. Covered reasons vary by plan.

When a customer files a claim and it’s denied, that’s when we hear complaints or even allegations that Allianz Travel Insurance is a fraud or a scam. Here are examples of a few of the most common complaints we get, with explanations:

• “Allianz said I needed to submit more documentation for my claim.” To be reimbursed for your claim, you’ll need to send us proof of your losses. Depending on the situation, documentation might include emails from your travel providers; a letter from a doctor; medical bills; credit card statements; photos, etc. Get a step-by-step walkthrough here: How to File a Travel Insurance Claim Online
• “I had to cancel my trip because my dog was sick, but Allianz said that wasn't covered.” Your travel insurance policy includes a long list of covered reasons for canceling a trip, including the serious injury or illness of an immediate family member. We define "family member" fairly broadly, including paid, live-in caregivers; cohabitants; and service animals. Pets aren't included, although we understand that you consider your beloved pet to be a member of your family.
• “Allianz denied my claim because I had a pre-existing condition.” Many Allianz Travel Insurance plans can cover existing medical conditions, as long as you adhere to certain requirements. Two of those requirements are that you must insure the full cost of your trip within a specified time period, and you must be medically able to travel when you do so.
  
  What's an existing medical condition? We define it as an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for, or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. If you need to make sure your plan covers an existing condition, call us at 1-866-884-3556 before you buy.

• “My doctor advised me not to travel in the seventh month of my pregnancy, and Alianz said that wasn't a covered reason for cancellation.” Travel insurance from Allianz Partners may cover losses resulting from unforeseen pregnancy complications, such as pre-eclampsia or pre-term labor. This means if you must cancel or interrupt a trip because of a covered pregnancy complication, your plan may reimburse you for nonrefundable trip costs. However, if you have a normal pregnancy and your doctor advises you not to travel, just to be safe, then your trip cancellation would not be covered. Travel insurance does not cover the chance that a complication might occur. Here's a more detailed explanation of how and when travel insurance covers pregnancy.

If you’re worried about having to cancel a trip for a reason that’s not covered, consider the Cancel Anytime upgrade. It 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 available as an upgrade to certain travel insurance plans, specifically OneTrip Prime and OneTrip Premier. (Cancel Anytime is not offered in all states, and certain requirements and exclusions apply.)

We want all of our customers to understand exactly what their policy covers before they purchase insurance from Allianz Partners. Please read your policy documents — you can find them by clicking the “Plan and Pricing Details” link once you get a quote. And if you have any questions, don't hesitate to call. Safe travels!

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