You’ve been planning that dream vacation for months – the flights, the luxury resort, the once-in-a-lifetime experiences.
But what happens if an unexpected illness strikes before departure, or you face a serious medical emergency in a foreign country?
The financial implications can be devastating.
The Allianz OneTrip Premier plan is positioned as Allianz Travel’s top-tier single-trip insurance product, offering their highest coverage limits across all categories.
It’s designed for travelers taking expensive trips, visiting remote destinations, or simply wanting maximum peace of mind with comprehensive protection.
In this article...
Coverage Details
The OneTrip Premier provides Allianz’s highest coverage limits:
• Trip Cancellation: Up to 100% of trip costs (maximum $150,000) if you need to cancel for a covered reason.
• Trip Interruption: Up to 150% of trip costs (maximum $225,000) if your journey is interrupted for a covered reason.
• Emergency Medical: $100,000 for covered emergency medical and dental expenses.
• Emergency Medical Transportation: $1,000,000 for medically necessary evacuation and repatriation.
• Travel Delay: $1,600 ($200/day) for additional expenses if your trip is delayed by 6+ hours.
• Missed Connection: $1,500 if you miss a cruise or tour departure due to a covered travel delay.
• Baggage Loss/Damage: $2,000 for lost, damaged, or stolen baggage.
• Baggage Delay: $600 for essential purchases if baggage is delayed 24+ hours.
• Change Fee Coverage: Up to $500 for airline change fees.
• Loyalty Program Redeposit Fee Coverage: Up to $500 for fees to redeposit frequent flyer miles.
• Rental Car Damage Protector: Optional add-on coverage up to $45,000 (not available in all states).
Personal Note
Last winter, I had clients traveling to Antarctica on an expedition cruise – a $25,000 investment per person.
They purchased the OneTrip Premier specifically for the million-dollar evacuation coverage.
When one of them developed severe altitude sickness in Ushuaia before boarding the ship, Allianz coordinated a medical evaluation, arranged transportation back to Buenos Aires, and covered all medical expenses.
The high emergency medical transportation limit proved invaluable in this remote location where emergency evacuation costs can easily exceed $100,000.
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.
Plan Highlights
• Premium Protection: Offers Allianz’s highest coverage limits for travelers seeking maximum security.
• Million-Dollar Medical Evacuation: Essential coverage for travelers visiting remote destinations where emergency transportation can be extremely costly.
• Enhanced Medical Coverage: $100,000 medical benefit suitable for most international medical emergencies.
• Substantial Delay Protection: Higher reimbursement limits for travel delays and missed connections.
• Epidemic Coverage Endorsement: Includes COVID-19 related illness as a covered reason for relevant benefits.
• Concierge Services: Access to premium assistance services for restaurant reservations, event tickets, and other travel arrangements.
• SmartBenefits: Proactive payments for qualifying travel delays, often processed without requiring receipts.
Exclusions and Limitations
Understanding what’s not covered is crucial:
• Pre-existing Medical Conditions: Generally excluded unless you purchase within 14 days of your initial trip deposit and meet specific requirements.
• Adventure Activities: Certain high-risk activities like heli-skiing, professional sports participation, or mountaineering above specific elevations may not be covered.
• Mental Health Issues: Typically not covered as a reason for cancellation or medical treatment.
• Self-Inflicted Injuries: Injuries resulting from intoxication or illegal activities aren’t covered.
• Non-Emergency Medical Care: Routine check-ups, preventative care, or elective procedures aren’t covered.
• Maximum Trip Length: Coverage typically limited to trips of 45 days or less.
❌ Avoid: This plan if you’re looking for budget-friendly basic protection, as you’ll be paying premium prices for high coverage limits you may not need for simpler domestic trips.
About the Company
Allianz Travel Insurance (formerly Allianz Global Assistance) is backed by Allianz SE, one of the world’s largest financial services providers with over 100 years in the insurance industry.
Their travel plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on your state of residence.
The company maintains an A+ rating from the Better Business Bureau and is known for their robust digital claims process and TravelSmart mobile app, which allows travelers to file claims digitally and access emergency assistance services with one touch.
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Fun Fact
Did you know that Antarctica is the most expensive place in the world for a medical evacuation?
A serious medical emergency requiring airlift from Antarctica to a hospital in South America or New Zealand can cost between $150,000 and $400,000 – making the OneTrip Premier’s million-dollar evacuation coverage particularly valuable for polar expeditions.
Pricing Insights
The OneTrip Premier is Allianz’s premium-priced plan, typically costing 7-9% of your total trip cost. For a $5,000 trip, expect to pay approximately $350-450, though prices vary based on:
- Age of travelers (prices increase significantly for seniors)
- Trip duration
- Total trip cost
- Destination
- Number of travelers
The Premier plan usually costs about 15-20% more than the OneTrip Prime plan, reflecting its substantially higher coverage limits across all categories.
Pros and Cons
| Pros | Cons |
|---|---|
| Highest available coverage limits | Premium price point |
| Million-dollar medical evacuation coverage | No Cancel For Any Reason (CFAR) option |
| Excellent baggage and delay protection | Pre-existing condition waiver has strict time requirements |
| Enhanced missed connection coverage | Travel delay benefits require 6+ hour delay (some competitors offer 3-5 hours) |
| Children 17 and under covered at no additional cost | May be overkill for simple domestic trips |
Mini Comparison
When comparing baggage coverage, the OneTrip Premier offers $2,000 in protection, while the OneTrip Prime provides $1,000 and the Basic plan only $500.
For travelers with expensive clothing, equipment, or electronics, this difference can be significant if luggage is lost or damaged.
Ideal Buyer Profile
The OneTrip Premier plan is ideally suited for:
- Luxury travelers taking expensive international trips
- Adventure travelers visiting remote destinations
- Cruisers concerned about medical evacuations from ships
- Senior travelers wanting maximum medical coverage
- Anyone taking a “bucket list” trip with significant prepaid, non-refundable expenses
It’s less suitable for budget travelers, those taking simple domestic trips, or travelers seeking Cancel For Any Reason flexibility.
Alternatives to Consider
If you want similar high-level coverage but need a Cancel For Any Reason option, consider Travel Guard’s Deluxe plan, which offers comparable limits with an optional CFAR add-on (typically reimbursing 50-75% of trip costs).
For travelers primarily concerned with trip cancellation protection but not needing premium medical coverage, the OneTrip Prime offers lower but still substantial limits at a more affordable price point.
✅ Pro Tip: If traveling to Western Europe or other destinations with excellent public healthcare systems, the less expensive OneTrip Prime plan may provide sufficient medical coverage at a lower price point, allowing you to save 15-20% on premium costs while still maintaining strong trip cancellation protection.
Real User Feedback
Allianz maintains strong ratings on consumer review sites like Trustpilot (4+ stars), with the OneTrip Premier specifically receiving positive feedback for its comprehensive coverage and claim response.
Multiple travelers praised the emergency assistance services, noting that the 24/7 hotline was particularly responsive during medical emergencies abroad.
One recurring theme in feedback is appreciation for the straightforward claims process through the TravelSmart app, which allows users to file claims digitally and track their status in real-time.
Always review the full policy wording carefully before purchasing. Safe travels!
Buying Travel Insurance Online
Can Save Up to 30%!
