Allianz vs Tin Leg: Which Travel Insurance Is Better?
Allianz and Tin Leg sell to the same traveler and answer the same question differently: Allianz puts its money into the free-kids rule on Prime and Premier, Tin Leg into a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.
The plans side by side
| Plan | Emergency medical | Evacuation | Cancel for any reason | Pre-existing waiver window | Kids free |
|---|---|---|---|---|---|
| Allianz OneTrip Basic | $10,000 | $50,000 | No | 14 days | No |
| Allianz OneTrip Prime | $50,000 | $500,000 | Cancel Anytime upgrade, 80% back | 14 days | Yes |
| Allianz OneTrip Premier | $75,000 | $1,000,000 | Cancel Anytime upgrade, 80% back | 14 days | Yes |
| Tin Leg Economy | $20,000 | $100,000 | No | None | No |
| Tin Leg Basic | $50,000 | $200,000 | No | 14 to 15 days | No |
| Tin Leg Luxury | $100,000 primary | $250,000 | Upgrade, 75% back | 14 to 15 days | No |
| Tin Leg Silver | $250,000 | $1,000,000 | Upgrade, 75% back | 14 to 15 days | No |
| Tin Leg Gold | $500,000 primary | $500,000 | Upgrade, 75% back | 14 days | No |
Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Allianz review and the Tin Leg review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A trip outside the US | Tin Leg Luxury | $100,000 of primary medical and $250,000 of evacuation, twice Allianz Prime’s medical and it pays first. |
| A cruise, a remote trip, or a traveler over 65 | Tin Leg Silver or Gold | $250,000 of medical with $1,000,000 of evacuation, or $500,000 of primary medical with $500,000. Allianz Premier carries $75,000 of medical. |
| A domestic trip with children | Allianz OneTrip Prime | Children 17 and under are free. Tin Leg has no free-kids benefit. |
| Cancel for any reason | Allianz by a little | Cancel Anytime refunds 80 percent. Tin Leg refunds 75 percent on Luxury, Adventure, Silver and Gold. |
| A traveler with a pre-existing condition | Either, bought early | Allianz within 14 days; Tin Leg within 14 or 15 days depending on the plan. Tin Leg Economy has no waiver. |
| A cheap domestic weekend | Tin Leg Economy | $20,000 of medical and $100,000 of evacuation against Allianz Basic’s $10,000 and $50,000, for a similar price. |
The numbers that decide it
Medical and evacuation. Allianz’s best plan, OneTrip Premier, carries $75,000 of medical and $1,000,000 of evacuation; Tin Leg’s best plan, Gold, carries $500,000 primary of medical and $500,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.
Cancel for any reason. Allianz: Cancel Anytime, Allianz’s version of cancel for any reason, refunds 80 percent of the trip cost, the highest share on the market, on OneTrip Prime and Premier only; it has to be added when you buy. Tin Leg: Cancel for any reason is on Luxury, Adventure, Silver and Gold, refunds 75 percent, must be added within the plan’s window (14 or 15 days from the initial deposit), and requires cancelling at least two days before departure.
Pre-existing conditions. Allianz: The pre-existing condition waiver applies when you buy within 14 days of the first trip payment. Tin Leg: The pre-existing condition waiver window is 14 or 15 days from the initial deposit depending on the plan; Economy has no waiver.
Children. Allianz: Children 17 and under are free on OneTrip Prime and Premier (not for Pennsylvania residents). Tin Leg: No free-kids benefit.
Free look. Allianz: 15 days after purchase for a full refund if the trip has not started. Tin Leg: 10 to 15 days depending on the plan for a full refund if you have not departed or filed a claim.
See Tin Leg priced next to the plans that beat Allianz
Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.
See plans & pricesAbout 60 seconds. Nothing to sign up for.What it costs
Allianz sells only direct and is not on the comparison. Tin Leg is on the CoverTrip comparison, priced next to the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so the way to compare these two is to enter the trip once, note the price of a plan with the limits you need, and hold Allianz’s direct quote against it. Same price on the comparison as buying direct.
What the plans say
Allianz’s strengths are the free-kids rule on Prime and Premier, an 80 percent Cancel Anytime refund, annual plans and a standalone rental car plan; its weak spot is the medical limits: $50,000 on Prime and $75,000 on Premier, thin for a cruise or a trip abroad. Tin Leg’s strengths are a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need, Gold’s $500,000 of primary medical and Silver’s $1,000,000 of evacuation, cancel for any reason on four plans; its weak spot is the plan names do not track the limits (Luxury is the floor for a trip abroad, not the top), and the underwriter changes by plan. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.
Questions people also ask
Is Tin Leg better than Allianz?
For a trip abroad, yes: Tin Leg’s Luxury, Silver and Gold plans carry $100,000, $250,000 and $500,000 of medical against Allianz’s $50,000 and $75,000. Allianz is the better buy for a domestic trip with children, where kids are free on Prime and Premier.
Which is better for a cruise, Allianz or Tin Leg?
Tin Leg Silver ($250,000 of medical, $1,000,000 of evacuation) or Gold ($500,000 of primary medical). Allianz’s $75,000 ceiling is thin for a ship far from a hospital.
Does Tin Leg have cancel for any reason?
On Luxury, Adventure, Silver and Gold, refunding 75 percent when added within the plan’s 14 or 15-day window and the trip is cancelled at least two days before departure. Allianz’s Cancel Anytime refunds 80 percent on Prime and Premier.
Related: Allianz review · Tin Leg review · travel medical insurance guide · cruise travel insurance guide · adventure travel insurance guide · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Allianz and Tin Leg, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
See Tin Leg priced next to the plans that beat Allianz
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Damian TysdalDamian Tysdal is the founder of CoverTrip and a licensed travel insurance agent since 2006. He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006. About CoverTrip.