Do you find yourself booking travel insurance for multiple trips each year?
Many frequent travelers don’t realize they’re essentially throwing money away with separate policies.
For those who travel more than 3-4 times annually, the math often favors an annual plan.
The Allianz AllTrips Prime represents the mid-tier option in Allianz’s annual travel insurance lineup. It’s designed for frequent travelers who want solid year-round protection with higher coverage limits than the Basic plan, but without the premium price of their top-tier annual offering.
This plan particularly appeals to regular travelers taking both domestic and international trips throughout the year.
In this article...
Plan Highlights
• Comprehensive Annual Coverage: One purchase protects all your trips for a full 365 days.
• Higher Medical Limits: Offers $25,000 in emergency medical coverage – 25% more than the AllTrips Basic plan.
• Improved Trip Protection: Doubles the trip cancellation coverage to $2,000 per year compared to the Basic plan.
• Robust Evacuation Coverage: Provides $250,000 for emergency medical transportation – essential for international travelers.
• Family-Friendly: Can cover spouse/partner and dependent children under 25 living at home under a single policy.
• No Individual Trip Duration Limits: Unlike some competitors that cap coverage at 30-45 days per trip.
• Pre-existing Condition Coverage: Available for travelers under 75 if purchased within 14 days of initial trip payment.
• TravelSmart App Integration: Quick access to policy details, assistance contacts, and paperless claims filing.
Personal Note
I’ve personally recommended this plan to dozens of my clients who travel regularly for both business and pleasure. One couple in particular – avid travelers in their 50s who take 6-8 trips annually – purchased this plan last year.
When the husband developed a severe respiratory infection during their trip to Portugal, Allianz quickly directed them to an appropriate English-speaking doctor and handled the claim efficiently.
The wife later told me the peace of mind from having consistent coverage for all their travels was worth every penny.
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.
Coverage Details
The AllTrips Prime offers these key protections throughout the year:
• Trip Cancellation: Up to $2,000 per year for all covered trips combined.
• Trip Interruption: Up to $2,000 per year for all covered trips combined.
• Emergency Medical: $25,000 per covered illness or injury.
• Emergency Medical Transportation: $250,000 per insured person per year.
• Baggage Loss/Damage: $1,000 per person.
• Baggage Delay: $300 per person.
• Travel Delay: $800 ($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.
Pricing Insights
The AllTrips Prime typically costs between $225-275 annually for an individual and $320-425 for a family plan. Pricing variables include:
- Age of travelers
- State of residence
- Individual vs. family coverage
- Optional rental car damage protection addition
This plan costs approximately 40% more than the AllTrips Basic but provides significantly higher coverage limits for emergency medical care and evacuation – crucial for international travelers. It’s about 30% less expensive than the premium AllTrips Premier plan.
For someone taking 4+ trips per year, the AllTrips Prime typically provides better value than purchasing individual trip policies for each journey, with savings of 25-40% being common.
✅ Pro Tip: If your travels will include driving rental cars internationally, adding the optional rental car damage protection can be a tremendous value. At approximately $45-60 additional premium for the year, it’s often less than what rental agencies charge for a single week of coverage.
About the Company
Allianz Travel Insurance (formerly Allianz Global Assistance) is part of Allianz SE, one of the world’s largest insurance and financial services companies with over 100 years in business.
Their travel plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on your state of residence.
The company maintains strong financial ratings and a solid reputation for customer service.
They offer direct sales through their website and partner with many major travel providers, booking sites, and credit card companies. Their TravelSmart mobile app receives high marks from users for its ease of use when filing claims and accessing emergency assistance services.
Buying Travel Insurance Online
Can Save Up to 30%!
Exclusions and Limitations
Be aware of these important limitations:
• Annual Trip Cancellation Cap: The $2,000 combined annual limit for trip cancellation/interruption may be insufficient for travelers taking expensive vacations.
• Pre-existing Conditions: Only covered if you purchase within 14 days of your initial trip payment and meet other requirements.
• Adventure Activities: Many high-risk activities like mountaineering, skydiving, and certain scuba diving depths may not be covered.
• Business Equipment: Limited coverage for specialized business gear and equipment.
• No Cancel For Any Reason Option: This flexibility isn’t available with annual plans.
❌ Avoid: This plan if you’re taking one or two very expensive trips per year with significant prepaid, non-refundable costs, as the $2,000 annual trip cancellation limit could leave much of your investment unprotected.
Mini Comparison
When comparing medical evacuation coverage, the AllTrips Prime offers $250,000, while the AllTrips Basic provides just $100,000.
This is a significant difference if you’re traveling to remote destinations where an air ambulance could easily cost $100,000+.
Pros and Cons
| Pros | Cons |
|---|---|
| Convenient year-round coverage | Limited annual trip cancellation/interruption ($2,000) |
| Stronger medical coverage than Basic plan | May be insufficient for luxury or expensive trips |
| Excellent value for frequent travelers | No Cancel For Any Reason option |
| No per-trip purchase hassle | Emergency medical limit ($25,000) lower than some competitors |
| Covers all family members under one policy | Annual premium higher than single-trip coverage for occasional travelers |
Fun Fact
Did you know that emergency medical evacuations from cruise ships typically start at $20,000 within North America but can exceed $100,000 from remote destinations? The AllTrips Prime’s $250,000 evacuation limit is specifically designed with these potential costs in mind.
Ideal Buyer Profile
The AllTrips Prime plan is best suited for:
- Regular travelers taking 4+ trips annually
- Those mixing domestic and international travel
- Families who travel together several times per year
- Business travelers who also take personal vacations
- Travelers wanting consistent medical coverage without repurchasing for each trip
It’s not ideal for travelers taking only 1-2 trips per year, those planning very expensive vacations with high prepaid costs, or adventure travelers engaging in extreme sports who need specialized coverage.
Real User Feedback
Allianz maintains strong ratings on Trustpilot (4+ stars), with customers particularly praising their efficient claims processing and responsive customer service.
AllTrips Prime users specifically mention appreciating the convenience of having year-round coverage without needing to purchase separate policies for each trip.
A recurring theme in customer feedback is satisfaction with the coverage limits being sufficient for most typical travel scenarios, though some note that the annual trip cancellation limit can be restrictive for expensive vacations.
Alternatives to Consider
If you’re taking fewer trips but want stronger protection for each one, consider Allianz’s OneTrip Prime, which offers substantially higher per-trip coverage limits.
For frequent travelers wanting maximum protection, especially for medical emergencies and evacuation, the AllTrips Premier increases emergency medical coverage to $50,000 and evacuation to $500,000 for about 30% more in premium.
Always review the full policy wording carefully before purchasing. Safe travels!
Buying Travel Insurance Online
Can Save Up to 30%!
