Ever found yourself facing an unexpected trip cancellation or medical emergency while traveling? It can be both stressful and financially devastating.
Whether it’s a sudden illness, a family emergency, or weather disruptions, these situations remind us why travel protection is essential.
The Allianz OneTrip Prime plan sits comfortably in the middle of Allianz’s single-trip insurance offerings. It provides a well-balanced mix of trip protection and emergency medical benefits, making it suitable for both domestic and international travelers who want solid coverage without the premium price tag of top-tier plans.
In this article...
Plan Highlights
• Comprehensive Protection: Offers a well-rounded package covering trip cancellation/interruption, medical emergencies, baggage, and travel delays.
• Higher Coverage Limits: Provides significantly higher protection limits than the Basic plan while remaining more affordable than the Premier option.
• Emergency Medical Coverage: Includes $50,000 for emergency medical expenses – sufficient for most travel destinations.
• Medical Evacuation: Up to $500,000 for emergency medical transportation – a crucial benefit for international travelers.
• Baggage Protection: Covers lost, damaged, or stolen luggage up to $1,000, plus $300 for baggage delay.
• SmartBenefits: Offers proactive payments for covered travel delays without requiring receipts.
• Children Coverage: No additional charge for children 17 and under when traveling with a parent or grandparent.
Coverage Details
The OneTrip Prime plan offers a balanced set of coverages:
• Trip Cancellation: Up to 100% of trip costs (maximum $100,000) if you need to cancel for a covered reason.
• Trip Interruption: Up to 150% of trip costs (maximum $150,000) if your journey is interrupted for a covered reason.
• Emergency Medical: $50,000 for covered emergency medical and dental expenses during your trip.
• Emergency Medical Transportation: $500,000 for medically necessary evacuation and repatriation.
• Travel Delay: $800 ($200/day) for additional expenses if your trip is delayed by 6+ hours.
• Missed Connection: $800 if you miss a cruise or tour departure due to a covered travel delay.
• Baggage Loss/Damage: $1,000 for lost, damaged, or stolen baggage.
• Baggage Delay: $300 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.
• 24-Hour Hotline Assistance: Access to Allianz’s global assistance network.
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 year, I recommended this plan to a family traveling to Italy for two weeks.
When their connecting flight was delayed and they missed their Mediterranean cruise departure, Allianz arranged transportation to the next port and covered their additional expenses.
The clients were particularly impressed with how quickly the assistance team responded and the minimal documentation required to process their claim.
About the Company
Allianz Travel (formerly Allianz Global Assistance) is part of 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 consistently receives strong ratings for financial stability and customer service.
They offer a user-friendly mobile app for claims filing and 24/7 assistance services in multiple languages.
Exclusions and Limitations
Understanding the plan’s limitations is essential:
• Pre-existing Medical Conditions: Generally excluded unless you purchase the plan within 14 days of your initial trip deposit and meet other specific requirements.
• Foreseeable Events: Events that were known or foreseeable when you purchased the insurance aren’t covered (including named storms).
• Certain Activities: High-risk activities like professional sports, skydiving, and mountain climbing might not be covered.
• Mental Health: Cancellations or medical treatment for anxiety, depression, or other mental health conditions are typically not covered.
• Self-Inflicted Injuries: Injuries resulting from intoxication or illegal activities aren’t covered.
• Maximum Trip Length: Coverage typically limited to trips of 45 days or less.
❌ Avoid: This plan if you’re planning an extended trip longer than 45 days, as you may need a specialized long-term travel insurance solution instead.
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Mini Comparison
When comparing emergency medical coverage, the OneTrip Prime offers $50,000, while OneTrip Basic provides only $10,000.
For most international travelers, the Prime’s higher medical limit is well worth the price difference, especially when traveling to countries with expensive healthcare systems.
Pricing Insights
The OneTrip Prime typically costs 5-7% of your total trip cost, positioning it in the mid-range category of travel insurance plans. For example, a $3,000 trip might cost approximately $150-210 to insure.
Key pricing factors include:
- Age of travelers (prices increase significantly for travelers over 70)
- Trip duration
- Total trip cost
- Destination (some countries have higher rate categories)
- Number of travelers
The Prime plan usually costs about 20-30% more than the Basic plan but provides substantially higher coverage limits across all categories.
Compared to the Premier plan, you’ll save approximately 15-20% while still getting solid protection for most travel scenarios.
Pros and Cons
| Pros | Cons |
|---|---|
| Excellent balance of coverage and cost | No Cancel For Any Reason (CFAR) option |
| Substantial medical evacuation limit ($500,000) | Pre-existing condition waiver has strict time requirements |
| Strong trip cancellation/interruption protection | Less coverage than Premier for extreme medical situations |
| Includes missed connection coverage | Not ideal for adventure travelers doing high-risk activities |
| Children 17 and under covered at no additional cost | Travel delay benefits require 6+ hour delay (some competitors offer 3-5 hours) |
Fun Fact
Did you know that medical evacuations from cruise ships can cost between $20,000 and $50,000 in the Caribbean and up to $100,000+ from remote destinations?
The OneTrip Prime’s $500,000 evacuation coverage is specifically designed to address these potentially catastrophic expenses.
Ideal Buyer Profile
The OneTrip Prime plan is perfect for:
- Leisure travelers taking moderately priced international trips
- Families with children (who are covered at no additional cost)
- Cruisers concerned about missed connections and medical emergencies
- Travelers seeking balanced protection without paying premium prices
- Those traveling to destinations with moderate to high healthcare costs
It’s less suitable for extreme adventure travelers, digital nomads seeking long-term coverage, or travelers primarily concerned with ultimate medical coverage limits.
✅ Pro Tip: Purchase your Allianz OneTrip Prime plan within 14 days of making your first trip payment to qualify for the pre-existing condition waiver and maximum benefits for financial default coverage.
Alternatives to Consider
If maximum medical coverage is your priority, consider upgrading to the OneTrip Premier plan, which offers $50,000 more in emergency medical coverage ($100,000 total) and double the evacuation limit ($1 million).
For travelers primarily concerned with trip cancellation protection but not needing medical coverage, the OneTrip Cancellation Plus plan offers similar trip cancellation benefits at a lower price point.
Real User Feedback
Allianz consistently maintains solid ratings on Trustpilot (4+ stars), with customers particularly praising their straightforward claims process and responsive assistance services.
The OneTrip Prime specifically receives positive feedback for its balanced coverage and value.
A recurring theme in customer reviews is appreciation for Allianz’s TravelSmart app, which allows for paperless claims filing and provides instant access to policy information and assistance contacts while traveling.
Always review the full policy wording carefully before purchasing. Safe travels!
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Can Save Up to 30%!
