Worried about unexpected medical emergencies while traveling?
Many travelers find themselves asking, “What if I get sick or injured away from home?”
This common concern is especially valid when traveling internationally, where healthcare costs can be astronomical without proper coverage.
The Allianz OneTrip Basic plan addresses this worry by providing essential emergency medical and dental coverage, along with some trip protection benefits.
It’s designed for budget-conscious travelers who want minimal but crucial protection, particularly for international trips where domestic health insurance may not provide coverage.
In this article...
Coverage Details
The OneTrip Basic plan focuses primarily on emergency medical protection with some additional trip benefits:
• Emergency Medical: Covers emergency medical and dental expenses up to $10,000 if you get sick or injured during your covered trip.
• Emergency Medical Transportation: Provides up to $50,000 for medically necessary evacuation and repatriation costs.
• Trip Cancellation: Reimburses prepaid, non-refundable trip costs up to $1,000 if you need to cancel for a covered reason.
• Trip Interruption: Covers up to $500 if your trip is interrupted by a covered event after departure.
• Travel Delay: Provides $200 per day (maximum $600) for additional expenses if your trip is delayed by 6+ hours.
• Baggage Loss/Damage: Covers up to $500 for lost, damaged, or stolen baggage.
• Baggage Delay: Offers $200 for essential purchases if baggage is delayed 24+ hours.
About the Company
Allianz Travel Insurance (formerly Allianz Global Assistance) is part of the Allianz Group, one of the world’s largest insurance companies with over 100 years of experience.
Their travel plans are underwritten by either BCS Insurance Company or Jefferson Insurance Company, both of which maintain solid financial ratings.
Allianz is known for their 24/7 assistance services and relatively straightforward claims process through their TravelSmart app.
They sell directly through their website and also partner with many major airlines, travel agencies, and online 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.
Personal Note
Last summer, I had a client traveling to Mexico who purchased this plan.
When she developed a severe ear infection requiring medical attention, the Allianz assistance team directed her to an appropriate clinic and handled the payment directly.
She was especially impressed with how quickly they responded to her call at 2 AM. For her short beach vacation, the Basic plan provided just enough coverage without unnecessary extras.
Exclusions and Limitations
Be aware of these important limitations:
• Pre-existing Medical Conditions: Generally excluded unless you purchase within 14 days of your initial trip deposit and meet specific requirements.
• Limited Trip Cancellation Coverage: The $1,000 limit may be insufficient for expensive trips.
• Adventure Activities: Many high-risk activities like scuba diving below certain depths, mountain climbing, or participating in extreme sports may not be covered.
• Medical Benefit Cap: The $10,000 medical coverage could be quickly exhausted in countries with expensive healthcare (like the US).
• Mental Health Issues: Typically not covered as a reason for cancellation or medical treatment.
❌ Avoid: This plan if you’re taking an expensive trip with significant prepaid costs, as the $1,000 trip cancellation limit may leave much of your investment unprotected.
Plan Highlights
• Affordability: One of Allianz’s most budget-friendly options.
• Primary Focus on Medical: Prioritizes emergency medical and evacuation coverage over trip investment protection.
• Epidemic Coverage Endorsement: Includes COVID-19 related illness as a covered reason for relevant benefits.
• 24/7 Worldwide Assistance: Access to multilingual assistance teams and a global network of medical providers.
• SmartBenefits: Proactive payments for qualifying travel delays without requiring receipts.
• Family-Friendly: Children under 17 traveling with a parent or grandparent may be covered at no additional cost.
• No Deductibles: For most benefits, you don’t pay out-of-pocket deductibles.
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Mini Comparison
When comparing emergency medical evacuation coverage, the OneTrip Basic offers $50,000, while Allianz’s OneTrip Prime increases this to $500,000 and their OneTrip Premier to $1,000,000.
For remote destinations or cruises, this difference could be significant, as medical evacuations can easily cost $100,000+ from remote locations.
Pricing Insights
The OneTrip Basic plan is positioned as Allianz’s economy option, typically costing 3-4% of your total trip cost.
For a $2,000 trip, expect to pay approximately $60-80, though prices vary based on:
- Age of travelers
- Trip duration
- Number of travelers
- Trip destination
Compared to Allianz’s OneTrip Prime or Premier plans, you’ll save about 20-30%, but with significantly reduced coverage limits.
✅ Pro Tip: If you’re traveling with expensive electronic equipment, consider upgrading to the OneTrip Prime plan, as the Basic plan’s $500 baggage limit may not adequately cover even a single laptop or camera.
Pros and Cons
| Pros | Cons |
|---|---|
| Affordable entry-level pricing | Low trip cancellation/interruption limits |
| Includes essential emergency medical coverage | Minimal baggage protection ($500) |
| Emergency evacuation benefits ($50,000) | No missed connection coverage |
| Simple, straightforward benefits structure | No rental car damage protection |
| 24/7 global assistance included | Medical coverage may be insufficient for expensive destinations |
Ideal Buyer Profile
The OneTrip Basic plan is best suited for:
- Budget-conscious travelers on shorter, less expensive trips
- International travelers primarily concerned about emergency medical coverage
- Backpackers and students traveling with minimal prepaid expenses
- Travelers with flexible itineraries and few non-refundable bookings
It’s not ideal for travelers taking expensive trips, seniors who may need higher medical limits, adventure travelers, or those with significant pre-paid, non-refundable expenses.
Alternatives to Consider
If you’re concerned about trip investment protection, consider upgrading to Allianz’s OneTrip Cancellation Plus, which offers stronger trip cancellation coverage ($5,000) but removes the medical benefits.
For comprehensive protection, the OneTrip Prime offers significantly higher medical ($50,000) and cancellation ($100,000) limits for roughly 20-30% more in premium costs.
Real User Feedback
Allianz generally maintains 4+ star ratings on Trustpilot, with most positive reviews highlighting their responsive customer service and easy claims process.
For the Basic plan specifically, users appreciate the affordability but occasionally note disappointment when discovering the coverage limitations after needing to file a claim.
One recurring theme in traveler feedback is appreciation for the TravelSmart app’s ease of use when filing claims or requesting assistance abroad.
Fun Fact
Did you know that according to industry statistics, medical emergencies account for over 40% of all travel insurance claims?
The OneTrip Basic plan specifically targets this high-frequency need, explaining its focus on emergency medical benefits even at its budget price point.
Always review the full policy wording carefully before purchasing. Safe travels!
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