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- Allianz offers five single-trip plans (Comprehensive, Youth, Emergency Medical, Trip Cancellation & Interruption, and Non-medical) and two annual multi-trip plans (Annual Comprehensive and Annual Emergency Medical) to suit different travel needs and budgets
- Depending on the plan you choose, Allianz travel insurance covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, travel delays, emergency medical transportation, and travel accidents
- Most plans provide up to $10M in emergency medical coverage, while trip cancellation and interruption benefits are available under Comprehensive, Youth, Non-Medical, and Annual Comprehensive plans
- Most Allianz plans have no upper age limit (except Youth Plan), and eligible pre-existing medical conditions may be covered if the policy's stability (90-150 days) and eligibility requirements are met
Allianz travel insurance offers flexible coverage for occasional and frequent travellers through its single-trip and annual multi-trip plans. Depending on the plan you choose, Allianz provides up to $10M in emergency medical coverage, trip cancellation and interruption protection, baggage coverage, and other travel benefits. With five single-trip plans and two annual multi-trip plans, Allianz offers coverage options tailored to different travel needs and budgets.
Quick review: Allianz travel insurance
- PolicyAdvisor ratings: 5/5
- Best for: High medical emergency coverage up to $10M
- Skip if: You have a complex heart condition or recent cardiac treatment, as eligibility and coverage are subject to specific heart-related requirements
What is Allianz travel insurance?
Allianz Travel Insurance Canada offers a range of travel insurance plans that protect travellers against unexpected events before and during their trip. Travellers can choose from travel insurance plans that provide comprehensive protection or focus on specific needs, such as emergency medical expenses, non-medical travel disruptions, or multi-trip coverage for frequent travel.
Key features of Allianz travel insurance
| Plan types |
|
| Minimum eligibility age |
|
| Pre-existing coverage | Yes, subject to plan, eligibility, and stability requirements:
|
| Maximum coverage in trip interruption | Up to the sum insured |
| Maximum coverage in emergency medical | Up to $10 million (Comprehensive, Emergency Medical, Annual Emergency Medical); Up to $1 million (Youth Plan) |
| Waiting period | None, if purchased before departure |
| Automatic extensions |
|
| Administered by | Allianz Global Assistance |
| Underwritten by | CUMIS General Insurance Company |
Who is eligible for Allianz travel insurance?
Eligibility requirements vary depending on the Allianz travel insurance plan you choose. Generally, travellers must meet the insurer’s eligibility requirements, which may include:
- Be at least 15 days old on the effective date of your policy
- Be a Canadian resident covered under a Canadian government health insurance plan throughout your coverage period
- You have not been advised by a physician to avoid travel during your planned trip
- Not travelling for the purpose of receiving medical treatment or alternative therapy
- Not require assistance with activities of daily living, if you are age 65 or older on the effective date
Types of Allianz travel insurance plans
Allianz offers two main types of travel insurance plans: single-trip plans for one specific journey and annual (multi-trip) plans for travellers who take two or more trips throughout the year. Within these plan types, you can choose from different options based on the level of coverage you need, including trip cancellation and interruption, emergency medical coverage, baggage protection, and travel delay benefits.
1. Single trip
Single-trip travel insurance covers one specific journey from your departure date until you return home. Allianz offers five single-trip plans: Comprehensive travel insurance, Youth travel insurance, Emergency medical travel insurance, Trip Cancellation & Interruption, and Non-medical travel insurance, allowing travellers to choose a plan based on their budget and coverage needs.
- Comprehensive travel insurance: A comprehensive travel insurance plan provides all-in-one protection for a single trip, including emergency medical coverage, trip cancellation and interruption, travel delays, baggage loss or delay, and other travel-related benefits. It is best suited for travellers who want broad financial protection against a wide range of unexpected travel disruptions
- Youth travel insurance: A travel insurance plan designed for travellers aged 29 and under that offers affordable protection for a single trip. It also lets you insure up to four eligible travellers under one policy, making it a cost-effective option for friends or young families travelling together
- Emergency medical travel insurance: A travel insurance plan that covers eligible emergency medical expenses if you become sick or injured while travelling. It is best suited for travellers who already have trip cancellation coverage or only need protection against unexpected medical emergencies during their trip
- Non-medical travel insurance: A travel insurance plan that protects you against non-medical travel disruptions, including trip cancellation and interruption, travel delays, and lost, stolen, or delayed baggage. It is best suited for travellers who already have emergency medical coverage and only need protection for unexpected travel-related expenses
- Trip Cancellation & Interruption: A travel insurance plan to cover eligible expenses related to trip cancellation and interruption. It has almost the same coverage as non-medical travel insurance, except that it does not include coverage for baggage loss or delay and accidental death and dismemberment
2. Annual/multi-trip plans
Annual or multi-trip plans cover multiple trips throughout the year, making them ideal for frequent leisure or business travellers. Allianz offers two annual multi-trip plans with different levels of protection depending on your travel needs.
- Annual comprehensive travel insurance: This plan helps you save money if you travel two or more times a year by providing emergency medical coverage, trip cancellation and interruption, baggage protection, travel delay coverage, and other travel-related benefits. Travellers can choose between 15-day or 35-day per-trip coverage, with the option to extend the coverage for longer trips if needed
- Annual emergency medical travel insurance: An annual multi-trip travel insurance plan that provides emergency medical coverage for unlimited trips within a 12-month policy period. Travellers can choose between 4-day, 8-day, 15-day, or 35-day emergency multi-trip plan
What is covered under Allianz travel insurance?
Here is a list of things that are typically covered under Allianz travel insurance Canada, depending on the plan you choose:
- Trip cancellation and trip interruption: Reimburses eligible prepaid, non-refundable trip expenses if you need to cancel or cut your trip short due to a covered reason, such as illness, injury, or certain unforeseen events. The maximum coverage is up to the sum insured
- Emergency medical and dental expenses: Covers eligible emergency medical treatment and urgent dental care if you become sick or injured while travelling, up to the plan’s coverage limit. The maximum emergency medical is up to $10M on most plans (up to $1 million under the Youth Plan), and emergency dental coverage goes up to $5,000, depending on the plan type.
- Emergency medical transportation and evacuation: Pays for medically necessary transportation to the nearest appropriate medical facility or emergency evacuation when required due to a covered medical emergency.
- Baggage loss and delays: Reimburses the cost to repair or replace lost, stolen, or damaged baggage and covers the purchase of essential items if your baggage is delayed for a covered period. The maximum coverage for baggage loss is up to $1,000
- Travel delays: Covers eligible additional expenses, such as meals, accommodation, and transportation, when your trip is delayed, or you miss a connection because of a covered reason
- Pre-existing medical conditions coverage: Allianz travel insurance plans cover pre-existing medical conditions if the plan’s eligibility requirements and policy conditions are met
Allianz single-trip travel insurance plan coverage at a glance
| Features | Comprehensive plan | Youth plan | Emergency medical plan | Trip Cancellation & Interruption | Non-medical plan |
| Emergency medical | Up to $10,000,000 | Up to $1000,000 | Up to $10,000,000 | Not included | Not included |
| Emergency dental | Up to $5,000 | Up to $5,000 | Up to $5,000 | Not included | Not included |
| Emergency medical transportation | Included | Included | Included | Not included | Not included |
| Paramedical practitioners | Up to $500 per profession | Up to $500 per profession | Up to $500 per profession | Not included | Not included |
| Return of vehicle/watercraft | Up to $5,000 | $Up to 5,000 | Up to $5,000 | Not included | Not included |
| Pet return | Up to $500 | Up to $500 | Up to $500 | Not included | Not included |
| Trip cancellation | Up to the sum insured | Up to the sum insured | Not included | Up to the sum insured | Up to the sum insured |
| Trip interruption | Unlimited | Unlimited | Not included | Up to the sum insured | Up to the sum insured |
| Travel delay | Up to $350 per day (maximum of $1,500) | Up to $350 per day (maximum of $1,500) | Not included | Up to $350 per day (up to a maximum of $1,500) | $350 per day up to a maximum of $1,500 |
| Baggage loss | Up to $1,000 | Up to $1,000 | Not included | Not included | Up to $1,000 |
| Baggage delay | Up to $400 | Up to $400 | Not included | Not included | Up to $400 |
| Travel accident | Up to $100,000 | Up to $100,000 | Not included | Not included | Up to $100,000 |
Allianz multi-trip travel insurance plan coverage at a glance
| Features | Comprehensive plan | Emergency medical plan |
| Trip duration (per trip) | 15 or 35 days | 4, 8, 15, or 35 days |
| Age limits | No age limit | No age limit |
| Emergency medical | Up to $10,000,000 | Up to $10,000,000 |
| Dental | Up to $5,000 | Up to $5,000 |
| Emergency medical transportation | Included | Included |
| Return of Vehicle/Watercraft | Up to $5,000 | Up to $5,000 |
| Pet return | Up to $500 | Up to $500 |
| Trip cancellation | Up to the sum insured | Not included |
| Trip interruption | Up to the sum insured | Not included |
| Travel delay | Up to $350 per day (maximum $1,500); 3-hour minimum delay | Not included |
| Baggage loss | Up to $1,000 | Not included |
| Baggage delay | Up to $400 | Not included |
| Travel accident | Up to $100,000 | Not included |
What is not covered under Allianz travel insurance?
Coverage exclusions vary depending on the Allianz travel insurance plan you purchase. Some common exclusions include:
- Pre-existing medical conditions that do not meet the plan’s eligibility requirements
- Medical treatment is sought outside Canada if you are travelling primarily to receive medical treatment or alternative therapy.
- Claims arising from high-risk or hazardous activities unless specifically covered
- Intentional self-inflicted injuries or illegal acts
- Expenses that exceed the policy’s coverage limits or are otherwise excluded under the policy terms and conditions
Pros and cons of Allianz travel insurance Canada
| Pros | Cons |
| Offers five single-trip and two annual multi-trip plans for different travel needs | Trip cancellation is not included in every plan, such as Emergency Medical |
| Provides up to the maximum sum insured in trip interruption coverage and up to $10,000,000 in emergency medical coverage, depending on the plan type | Youth travel insurance is only available to travellers aged 29 and under, and with a lower emergency medical limit |
| Includes coverage for eligible pre-existing medical conditions | Some benefits, such as travel delay, baggage, and travel accident coverage, are only available on select plans |
| Broad age eligibility on most plans, subject to insurer eligibility requirements. (except for the Youth plan) | |
| Allyz TravelSmart app that lets travellers manage their files and track insurance claims |
How much does Allianz travel insurance cost?
The premiums with pre-existing condition coverage start at $135.90 for a 25-year-old traveller and increase with age, as shown below. Allianz travel insurance costs vary based on factors such as your age, destination, trip duration, coverage amount, and the plan you choose.
Allianz travel insurance cost (2026):
| Age (in years) | Single-trip | Annual Multi-trip plan (15 days per trip) | Trip Cancellation and Interruption Plan (Trip cost $2000) |
| 25 | $135.90 | $135.49 | $150.84 |
| 35 | $135.90 | $135.49 | $150.84 |
| 45 | $156.81 | $135.49 | $150.84 |
| 55 | $227.00 | $169.37 | $165.34 |
| 65 | $308.46 | $202.27 | $201.25 |
Disclaimer: Illustrative rates for single-trip, multi-trip, and trip cancellation and interruption. Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.
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How to claim Allianz travel insurance?
You can file an Allianz travel insurance Canada claim online through the secure claims portal. Here are the steps you need to file an Allianz travel insurance claim:
- Notify Allianz as soon as possible: If you have a medical emergency while travelling, contact Allianz’s emergency assistance team before receiving treatment whenever possible. For non-medical claims, begin the claims process promptly after the covered event
- Access the online claims portal: Create an account or sign in to the online Claims Portal to start a new claim
- Complete the claim form: Provide your policy details, trip information, and a description of the incident. Ensure all information is accurate to avoid processing delays and upload supporting documents
- Track your claim status: Use the Allyz TravelSmart app to monitor your claim, upload additional documents if requested, and view updates throughout the review process.
- Receive your claim decision and payment: Once your claim has been assessed, Allianz will issue an Explanation of Benefits outlining the decision. If your claim is approved, any eligible payments will be made by Allianz
Can you cancel or get a refund on Allianz travel insurance?
Yes, Allianz allows you to cancel your travel insurance policy, but the refund you receive depends on when you cancel and whether you have travelled or filed a claim.
- Within 10 days of purchase: You can receive a full premium refund if you cancel your policy within 10 days of purchase, provided you have not started your trip and have not experienced an event that could result in a claim
- More than 10 days after purchase: You may be eligible for a partial premium refund if you have not departed on your trip and have not submitted a claim under the policy
- No refund for unused trip days: If you end your trip early, Allianz does not provide partial refunds for the unused portion of your coverage
Please note that refunds of less than $20 are not issued.
Does Allianz travel insurance allow automatic extensions?
Yes, Allianz Travel Insurance automatically extends your coverage at no additional premium if your trip is delayed due to a covered reason.
Automatic extensions are available if:
- You or your travelling companion is medically unfit to travel due to a covered illness or injury. For plans with emergency medical coverage, your policy is extended until you are fit to travel, plus up to an additional 5 days to allow you to return home.
- Your travel is delayed by up to 72 hours because your travel carrier is delayed, or your vehicle is involved in a traffic accident or mechanical breakdown
- You temporarily return to your home province or territory during your coverage period without your policy expiring. However, expenses for the temporary return are your responsibility, and no premium refund is available
- Trip Interruption coverage also extends until you are fit to travel, plus up to 5 additional days, or for up to 72 hours if your return is delayed due to covered transportation issues
How does Allianz travel insurance compare to travel insurance providers?
Allianz stands out for its five single-trip and two annual-trip plans, offering flexible coverage for occasional, frequent, and business travellers. Compared with Destination Canada, Allianz provides a higher emergency medical coverage limit of up to $10 million, while Destination Canada offers up to $5 million. Most of the plans that Allianz offers have higher age limits, making them suitable for older travellers. To help you make an informed decision, compare Allianz with other top providers in our guide to the best travel insurance companies in Canada.
Our advisor’s take on Allianz travel insurance
At PolicyAdvisor, we help travellers compare travel insurance plans based on their destination, trip duration, medical needs, and budget. We recently helped a 42-year-old Canadian who was going on a trip to Europe and was looking primarily for high emergency medical coverage.
Client profile:
- Age: 42-year-old Canadian
- Trip duration and type: Three-week vacation to Europe
- Primary concern: Comprehensive emergency medical coverage
- Our comparison: After comparing travel insurance plans from multiple providers, we recommended Allianz Comprehensive single-trip insurance because it offered emergency medical coverage of up to $10M along with trip cancellation and interruption benefits, baggage protection, and travel delay coverage
Why we recommended Allianz:
Beyond the high emergency medical coverage, here’s why the Allianz travel insurance Canada plan stood out:
- Comprehensive protection: Maximum coverage up to the sum insured for trip cancellation and trip interruption coverage, along with travel delay and travel accident benefits
- Emergency medical transportation: Emergency medical transportation is covered, which means that coverage will be provided for transportation to the nearest appropriate medical facility, if required
- Global reach: Allianz has a presence in 70+ countries and access to a global network of more than 1 million medical providers, helping you receive assistance and access medical care almost anywhere you travel
If you are still not sure, speak with a licensed expert at PolicyAdvisor to compare Allianz with other leading providers. Our advisors will help you find the plan that offers the right coverage, benefits, and price for your travel needs. Schedule a call now!
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.
Frequently asked questions
Does Allianz travel insurance Canada cover pre-existing medical conditions?
Yes, Allianz travel insurance plans cover eligible pre-existing medical conditions, provided you meet the policy’s eligibility requirements and stability conditions. If you are under 65 years old, your pre-existing medical condition must generally be stable for 90 days before departure, while travellers 65 and older must meet a 150-day stability period to qualify for eligible coverage.
What does Allianz travel insurance cover?
Depending on the plan you choose, Allianz travel insurance Canada may cover trip cancellation and interruption, emergency medical and dental expenses, emergency medical transportation, baggage loss or delays, travel delays, travel accidents, epidemic-related covered losses, and eligible pre-existing medical conditions.
How do I file an Allianz travel insurance claim?
You can submit a claim online through Allianz’s Claims Portal by providing your policy details, completing the claim form, and uploading supporting documents such as receipts, medical reports, or proof of travel. You can also track your claim status through the portal.
Does Allianz travel insurance Canada cover trip cancellations?
Yes, Allianz travel insurance covers trip cancellations, but only under select plans. Trip cancellation coverage is included with the Comprehensive, Youth, Non-medical, Trip Cancellation & Interruption, and Annual Comprehensive travel insurance plans, and, where eligible, cancellation costs are covered up to the sum insured.
Does Allianz travel insurance include emergency medical coverage?
Yes, Allianz travel insurance includes emergency medical coverage under most of its plans. The Comprehensive, Emergency Medical, Annual Comprehensive, and Annual Emergency Medical plans provide up to $10M in eligible emergency medical coverage, while the Youth Plan provides up to $1 million.
Allianz Travel Insurance offers single-trip plans that cover one specific journey from departure to return and annual (multi-trip) plans that protect multiple trips taken within a 12-month period. With five single-trip plans and two annual multi-trip plans, Allianz provides flexible coverage for occasional travellers, frequent travellers, seniors, and young travellers. Our expert review compares plan features, coverage limits, costs, claims, exclusions, and the pros and cons to help you choose the right policy.
