Are you a frequent traveler tired of purchasing separate insurance for each trip?
Many travelers don’t realize they’re spending significantly more on multiple single-trip policies than they would on one annual plan.
The Allianz AllTrips Basic represents Allianz’s entry-level annual travel insurance solution, designed for frequent travelers who want year-round coverage without having to purchase separate policies for each journey.
It’s particularly suited for domestic travelers, weekend warriors, and business travelers who take multiple shorter trips throughout the year.
In this article...
Coverage Details
The AllTrips Basic plan provides essential coverage that remains active for a full year:
• Trip Cancellation: Up to $1,000 per year for all covered trips combined.
• Trip Interruption: Up to $1,500 per year for all covered trips combined.
• Emergency Medical: $20,000 per covered illness or injury.
• Emergency Medical Transportation: $100,000 per insured person per year.
• Baggage Loss/Damage: $1,000 per person.
• Baggage Delay: $200 per person.
• Travel Delay: $600 ($200 per day) for covered delays.
• Rental Car Damage: Optional coverage up to $45,000 (not available in all states).
• 24-Hour Hotline Assistance: Access to Allianz’s global assistance network.
About the Company
Allianz Travel (formerly Allianz Global Assistance) is backed by Allianz SE, one of the world’s largest financial services companies with over 100 years in business.
Their travel insurance plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on your state of residence.
The company has built a strong reputation for customer service and claims handling, offering a user-friendly TravelSmart mobile app for policy management and claims filing.
They sell directly through their website and also partner with many travel providers and booking platforms.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Mini Comparison
When comparing annual plans, the AllTrips Basic offers $20,000 in emergency medical coverage, while the AllTrips Premier increases this to $50,000.
For international travelers visiting countries with expensive healthcare systems, this difference could be significant if a serious medical emergency occurs.
Plan Highlights
• Year-Round Coverage: One purchase covers multiple trips throughout a 365-day period.
• No Trip Length Limits: Most trips of any duration are covered (unlike some competitors that limit individual trips to 30-45 days).
• Pre-existing Condition Coverage: For travelers under 75, conditions are covered if the policy is purchased within 14 days of initial trip payment and other requirements are met.
• Covers All Family Members: Can include a spouse/partner and dependent children under 25 living at home.
• Domestic and International: Works for both U.S. domestic and international travel.
• 24/7 Assistance Services: Multilingual emergency support available globally.
• Simple Documentation: No need to report each trip before departing.
Fun Fact
Did you know that according to industry studies, travelers who take four or more trips per year typically save 30-50% with an annual policy compared to buying individual policies for each trip? The break-even point is usually around 3-4 trips per year.
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Exclusions and Limitations
Important exclusions to be aware of:
• Trip Cost Limitations: The $1,000 trip cancellation limit applies to all trips combined throughout the year, which may be insufficient for expensive vacations.
• Pre-existing Conditions: Only covered if you purchase within 14 days of your initial trip payment and meet other specific requirements.
• High-Risk Activities: Many adventure sports and activities may not be covered (like mountaineering, skydiving, or scuba diving below certain depths).
• Business Equipment: Limited coverage for business equipment and specialized gear.
• No Cancel For Any Reason Option: This flexibility isn’t available with the Basic plan.
• Non-Traveling Family Member Definition: Restrictions on who qualifies as a family member for cancellation reasons.
❌ Avoid: This plan if you’re planning one or two major international trips with high prepaid costs, as the $1,000 annual trip cancellation limit may be inadequate for protecting your investment.
Personal Note
Last year, I recommended this plan to a client who travels monthly for his consulting business.
When his luggage was delayed for 48 hours during a business trip to Chicago, he was able to quickly file a claim through the Allianz app, and received his reimbursement for essential purchases within days.
The simplicity of having one policy for all his trips saved him both money and the hassle of purchasing insurance for each journey.
Pricing Insights
The AllTrips Basic is Allianz’s most affordable annual plan, typically ranging from $135-175 per year for an individual and $250-325 for a family. The exact price depends on:
- Age of travelers
- State of residence
- Whether you’re covering just yourself or your family
- Optional add-ons like rental car damage protection
Compared to purchasing individual single-trip policies, travelers who take 3+ trips per year typically save 30-50% with this annual plan.
The Basic plan costs approximately 40% less than the AllTrips Prime and 60% less than the AllTrips Premier, reflecting its lower coverage limits.
Pros and Cons
| Pros | Cons |
|---|---|
| Affordable annual coverage for frequent travelers | Low trip cancellation/interruption limits |
| No need to purchase insurance for each trip | Limited emergency medical coverage ($20,000) |
| Includes the whole family under one policy | May be insufficient for expensive international trips |
| No individual trip length limitations | No Cancel For Any Reason option |
| Simple claims process via mobile app | Travel delay coverage begins after 6+ hours (some competitors offer 3-5 hours) |
Ideal Buyer Profile
The AllTrips Basic plan is perfect for:
- Frequent domestic travelers taking multiple trips per year
- Business travelers who make regular, shorter journeys
- Weekend warriors who take spontaneous getaways
- Families who travel together several times annually
- Those primarily concerned with having basic emergency medical coverage abroad
It’s not suitable for travelers planning expensive international vacations with high prepaid costs, adventure travelers needing specialized coverage, or those traveling primarily to remote destinations where medical evacuation might be necessary.
✅ Pro Tip: To maximize your annual plan benefits, time your purchase to cover your most expensive planned trip of the year within that first 14-day window to qualify for the pre-existing condition waiver.
Real User Feedback
Allianz Travel maintains strong ratings on Trustpilot (4+ stars), with customers particularly praising their straightforward claims process and responsive customer service.
Many AllTrips Basic users specifically mention appreciating the convenience of not having to purchase separate policies for each trip and the ease of claims filing through the TravelSmart app.
A recurring theme in feedback is satisfaction with Allianz’s assistance services when dealing with minor travel disruptions like delayed baggage or missed connections.
Alternatives to Consider
If higher trip cancellation limits are important to you, consider upgrading to the AllTrips Prime, which increases trip cancellation coverage to $2,000 per year and emergency medical to $25,000.
For travelers taking fewer trips but wanting stronger protection for each one, Allianz’s OneTrip Prime offers substantially higher per-trip coverage limits at a lower price point than the annual plan.
Always review the full policy wording carefully before purchasing. Safe travels!
Buying Travel Insurance Online
Can Save Up to 30%!
