Travel Guard vs Allianz: Finding the Best Travel Insurance Option

Written by Antonio Cala.

Last updated on June 2, 2024

Table of Contents

Selecting the right travel insurance is crucial for a stress-free travel experience. Travel Guard and Allianz are prominent providers, each offering diverse policies tailored to various travel needs. 

This article provides an in-depth comparison of their travel insurance options, examining essential factors such as coverage, pricing, customer service, and unique features. 

Whether you’re embarking on a short trip or a long-term adventure, understanding the distinctions between Travel Guard and Allianz will enable you to make an informed choice, ensuring peace of mind throughout your journey.

If you would like to know more about insurance options for adventure travel, make sure to check out our Complete Guide to Adventure Travel Insurance

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Travel Guard vs Allianz

Travel Guard vs Allianz

Travel Guard

Travel Guard caters to high-end travelers with policies that offer substantial trip protection value. This makes it ideal for expensive vacations such as adventure cruises, African safaris, or other trips costing over $5-10k.

Additionally, Travel Guard covers more nationalities beyond just Americans and offers higher medical coverage compared to Allianz.


Allianz on the other hand is a ok choice for travelers, providing decent medical coverage and trip cancellation. 

The problem with Allianz, which is pretty much the same with Travel Guard, is their reputation. They receive a lot of negative reviews online from very angry customers.

Travel Guard in Detail

Nationalities: Only residents of the United States, Canada, Hong Kong, Iceland, Israel, Italy, Japan, Malaysia, Norway, Sweden, Singapore, South Africa, Thailand and UAE can purchase a Travel Guard insurance policy. 

Pre-existing conditions: Yes.

Seniors Over 65: Travelers aged 65-75 are covered.

Trip Duration: All plans cover trips up to 364 days.

Groups: One children aged 17 and under is included with an adult policy at no extra cost.

Reasons To Buy

Highest medical  expenses and trip cancellation/interruption coverage combined under the same policy.

Pre-Existing Medical Condition Exclusion Waiver Available (must be purchased within 15 days of the Initial Trip Payment).

Reasons To Avoid

Not all nationalities are covered.

Must be less than 75 years old.

Travel Medical Expense/Dental Expense: Up to $100,000/$500. Travel Medical Expense pays for medical expenses incurred due to a Sickness or Injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.


Emergency Evacuation and Repatriation of Remains: Up to $1,000,000. Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.


Trip Cancellation: Up to 100% Insured Trip Cost. Reimburses nonrefundable, Unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $150,000.


Trip Interruption: Up to 150% Insured Trip Cost: Reimburses nonrefundable, Unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $225,000


Trip Interruption – Return Transportation Only: Up to $1,000. Reimburses the additional Transportation expenses incurred by you to reach the Return Destination if your Trip is interrupted by one of the Unforeseen events shown in the Policy Trip Interruption section.


Trip Delay: Up to $1,000. Reimburses up to $200 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 5 hours due to covered reasons.


Baggage Coverage: Up to $2,500. Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is primary.


Trip Saver: Up to $5,000. Reimburses up to $5,000 for meals, Hotels and additional Transportation if the Insured must begin their Trip sooner than the originally scheduled Departure Date due to Inclement Weather or Common Carrier changes.


Baggage Delay: Up to $500. Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.


Missed Connection: Up to $1,000. Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay to your point of departure of regularly scheduled airline flights for three or more hours. Does not apply if you do not leave adequate time between connecting flights.


Security Evacuation: Up to $100,000. Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to a riot or civil disorder.

Cancel for Any Reason Bundle. Reimburses up to the Maximum Limit shown on the Schedule of Benefits if you cancel your Trip for any reason, not otherwise covered under the Policy, up to 48 hours prior to your scheduled departure.


Adventure Sports Bundle. Removes the exclusions for adventure and extreme activities from all benefits on the Policy.


Pet Bundle. Daily benefit for boarding, and a medical expense coverage for illness or Injury of dog or cat while traveling. Includes coverage for Trip Cancellation or Trip Interruption if your Pet is in critical condition or dies within seven days prior to the Departure Date.


Wedding Bundle. Trip Cancellation due to wedding cancellation. Coverage does not apply if you are the bride or groom in the wedding.

The Travel Guard Deluxe plan is a good choice for travelers going on high end organized trips or expeditions.

It offers one of the highest trip cancellation coverage (up to $150,000), a very competitive medical coverage up to $100,000 and emergency evacuation up to $1,000,000. 

Travel Guard is not the cheapest, doesn’t get the best online reviews but on paper their policies offer more than those from Allianz.

Allianz in Detail

Nationalities: Only US citizens and residents are eligible through Some countries have their own Allianz insurance website, like the UK, Spain or Germany.

Pre-existing conditions: Yes.

Seniors Over 65: Not specified.

Trip Duration: Short term and annual plans available.

Reasons To Buy

High trip cancellation/interruption coverage.

Pre-Existing Medical Conditions accepted.


Reasons To Avoid

Very bad online reviews

Not all nationalities are covered.

Policy wording not clear on adventure activities coverage

Emergency Medical Coverage: Coverage Amount up to $75,000 This benefit covers losses arising from covered medical and dental emergencies that occur during your trip. For dental expenses, there is a maximum coverage limit of $750 for all eligible dental treatments.

Emergency Medical Transportation Coverage: Coverage Amount up to $1,000,000 This benefit covers medically necessary transportation to the nearest hospital or appropriate facility following a covered.

Trip Cancellation Coverage: Coverage Amount Up to $200,000 This benefit reimburses your prepaid, non-refundable expenses if you need to cancel your trip due to a covered reason. Unique to the OneTrip Premier Plan, a NOAA hurricane warning is included as a covered reason for trip cancellation. For detailed information, please refer to your plan documents.

Trip Interruption Coverage: Coverage Amount Up to $300,000 This benefit reimburses you for the unused, non-refundable portion of your trip and covers the increased transportation costs required to return home due to a covered reason.

Baggage Loss/Damage Coverage: Coverage Amount up to $2,000 This benefit covers the loss, damage, or theft of your baggage and personal effects.

The Allianz One Premier plan could be a choice for travelers going on high end organized trips or expeditions as well.

It offers an incredibly high trip cancellation coverage (up to $200,000), a competitive medical coverage up to $75,000 and emergency evacuation up to $1,000,000. 

However, Allianz gets the worst reviews online so if you are interested on their services, please do your research before going ahead.

Comparing Coverage Details

Medical Expenses
Emmergency Evacuation
Trip Cancellation
Trip Delays
Equipment Coverage







Allianz Travel Insurance

One Premier







When comparing the two, Allianz is a lot cheaper than Travel Guard.

Just to give you an example, an insurance policy for a week-long trip to Peru ($2,000 trip cost) will cost around $115 with Allianz (One Premier) and $265 (Preferred) and $355 (Deluxe) with Travel Guard.

What's Covered & Who's Eligible

Nationalities Covered
Preexisting Conditions
Coverage for Seniors Over 65
Destinations Covered
Adventure Activities

Only 14


Yes, up to 75

Some not covered

Some not covered

Allianz Travel Insurance

A few


Not clear

Some not covered

Some not covered

User Reviews and Testimonials

This is a tough one. Both companies receive really bad reviews online. So there’s not a clear winner here, but two losers.

Travel Guard Online Reviews

Travel Guard Insurance User Review
Travel Guard Insurance User Review

Allianz Online Reviews

Allianz Travel Insurance Online Reviews
Allianz Travel Insurance Online Reviews
Allianz Travel Insurance Online Reviews


Travel Guard vs Allianz

My personal opinion is to go forget about both companies and purchase you travel insurance from a different company like Faye or Travelex if you are US resident, or World Nomads if you’re not.

If you are still set in one of these two, Travel Guard is a decent option if you’re planning a high-end adventure trip and want the trip cancellation coverage that their deluxe plan offers. If their policies seem a bit too expensive for your budget, then Allianz is cheaper. 

In summary, I would strongly recommend you to look for a different company other than Travel Guard or Allianz to insure your next trip. But if you decide to go ahead with one of them, please proceed with caution.

Other Travel Insurance Reviews

If you would like to read more about other insurance companies for adventure travelers, you can check out our other reviews below:

If you would like to see how these companies compare one against the other one, check out the comparisons we’ve done: 

Other Reviews Online

If you want to read what other people have to say about Travel Guard and Allianz, here are some articles from around the web that analyze both companies in detail.

Thoughts on Allianz Global Travel insurance? – by

The Complete Guide to AIG Travel Guard Insurance – by

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions. Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit, the RV site Hitched Up, the boutique accommodation blog Unique Places and the popular newsletter Adventure Fix, where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

Travel Guard vs Allianz
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