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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You’ve been on enough trips—and dealt with enough travel crises—to know you need travel insurance. The tough part is picking a plan.
Which is better: single-trip trip travel insurance or annual insurance? Do you need protection for medical emergencies while traveling? Should you buy travel insurance from your cruise line, or from an independent company?
We have the answers you need. Or, for a personalized comparison of travel insurance plans and costs, get a quote now.
These are the two most important things to look for when you’re comparing international travel insurance plans.
The more remote your destination, the more coverage you may need. For example, a medical evacuation from the Mongolian steppes will cost much more than an ambulance ride in Paris.
When looking at your travel insurance coverage options, it’s also smart to check the limits on trip delay and baggage coverage.
Let’s compare the best single-trip international travel insurance plans from Allianz Partners. (Keep in mind that this is just a high-level overview; plans include additional benefits, limits, requirements, and exclusions. Read your plan documents for more information.)
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| Trip Cancellation/ Trip Interruption | Emergency Medical/ Emergency Transportation | Trip Delay | Baggage Loss/ Damage | Best for… |
| Up to $10,000/ $10,000 | Up to $10,000/ $50,000 | $300 | $500 | International travelers on a budget | |
| Up to $100,000/ $150,000 | Up to $50,000/ $500,000 | $800 | $1,000 | Most international trips and family vacations. (Children 17 and under can be covered for free when traveling with a parent or grandparent; not available on policies issued to Pennsylvania residents) | |
| Up to $200,000/$ 300,000 | Up to $75,000/ $1 million | $1,600 | $2,000 | Expensive international trips and family vacations; trips to remote or undeveloped locations. (Children 17 and under can be covered for free when traveling with a parent or grandparent; not available on policies issued to Pennsylvania residents) | |
| Not included |
| $1,000 | $2,000 | International trips with few or no non-refundable trip costs |
When buying cruise travel insurance, you’ll want to look for the same key benefits you’d need for any international trip. But certain benefits are even more important when you’re traveling on a cruise ship. These are:
OneTrip Prime and OneTrip Premier are two of the best travel insurance plans for cruises offered by Allianz Partners. Both are eligible for the Cancel Anytime upgrade, which reimburses up to 80% of your trip costs in cash when you cancel for almost any reason that’s not covered in your plan.
Curious about how Allianz Travel Insurance stacks up against cruise line protection plans? Here’s a detailed comparison.
One last tip: If you’re planning to take two or more cruises or other vacations in the next 365 days, your most affordable travel insurance option may be an annual plan, such as AllTrips Premier.
If you’re a United States resident taking a trip within the U.S., your travel insurance needs are a little different. If any part of your trip is non-refundable, such as hotel or vacation rental reservations, rental car reservations, or flights, you’ll need trip cancellation/interruption benefits.
You probably don’t need emergency medical benefits, as long as you have a health insurance plan that can cover you during your trip. However, if you’re planning to visit a more remote or wild part of the U.S.—such as hiking in South Dakota’s Badlands or Wrangell-St. Elias National Park in Alaska—then travel insurance with emergency medical transportation benefits is a must. Health insurance plans won’t always cover an air ambulance.3
We’ll compare the best single-trip travel insurance plans for the U.S. from Allianz Partners:
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| Trip Cancellation/ Trip Interruption | Trip Delay | Baggage Loss/ Damage | Emergency Medical/ Emergency Transportation | Best for… |
| Up to $10,000/ $10,000 | $300 | $500 | Up to $10,000/ $50,000 | Affordable all-around protection | |
| Up to $100,000/ $150,000 | $800 | $1,000 | Up to $50,000/ $500,000 | Family vacations in the U.S. (Children 17 and under can be covered for free when traveling with a parent or grandparent; not available on policies issued to Pennsylvania residents) | |
| Up to $5,000/ $5,000 | $150/No baggage protection |
| Not included | Less expensive domestic trips |
(Plans include additional benefits, limits, requirements, and exclusions. Read your plan documents for more information.)
For frequent travelers, an annual travel insurance plan can be a great way to save money and time. You get 365 days of protection for one affordable price, wherever you may travel.
When comparing annual travel insurance, the #1 thing to look at is the limit on trip cancellation/interruption. For annual plans, this limit is per insured person, per year. Make sure it’s enough to cover the most expensive trip you’re planning to take.
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| Trip Cancellation/ Trip Interruption (per insured, per year) | Emergency Medical/ Emergency Transportation (per insured, per trip) | Trip Delay (per insured, per trip) | Baggage Loss/ Damage (per insured, per trip) | Best for… |
| Not included | $20,000/ $100,000 | $600 | $1,000 | Frequent travelers without many pre-paid trip expenses | |
| $3,000 | $20,000/ $100,000 | $600 | $1,000 | Individuals who travel often within the U.S. and overseas | |
| Tiered options from $5,000- $10,000 | $50,000/ $250,000 | $1,600 | $1,000 | Individuals who travel often for work and leisure | |
| Tiered options from $2,000- $15,000 | $50,000/ $500,000 | $1,500 | $2,000 | Individuals and households who want top-level protection for frequent trips |
As a bonus, Allianz Partners’ annual plans include up to $45,000 in rental car damage and theft coverage, which covers costs if a car you're renting is stolen or is damaged in an accident or while it's left unattended (not available to residents of all states).
(Plans include additional benefits, limits, requirements, and exclusions. Read your plan documents for more information.)
Besides everything we’ve covered, you’ll want to consider:
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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