Annual Deluxe- Allianz Travel Insurance

Editor Review

The Good: When you know you’ll be taking multiple trips throughout the year, having a single plan makes sense because you won’t have to keep up with multiple benefits and coverage limits. This plan is an annual medical plan that includes a number of package-like benefits.

The Drawbacks: This plan’s medical limits are relatively low when compared to other plans.

The Bottom Line: This is basic medical and travel insurance protection to cover the essentials for multiple trips for one full year.

Plan Details

This plan is unique in that it provides the following:

  • Including a number of package-like benefits, this plan covers trip cancellation, interruptions, travel delays. lost or delayed luggage, and more.
  • Includes car rental collision coverage up to $25,000 in base plan (location restrictions apply).
  • Coverage for redeposit fees imposed by the airline if you cancel your trip (for a covered reason) and recover your frequent traveler points.
  • $25,000 24-hour AD&D is included in the base plan.
  • Baggage loss up to $1,000 and baggage delays (after 24 hours) up to $200 in base plan.
  • Car rental damage protection up to $25,000.
  • Covered reasons for trip cancellation and interruption are broad and include inclement weather, natural disaster, domestic and foreign terrorism, loss of destination accommodations, and more.
  • Advance payments (up to the plan limit) will be arranged to guarantee your emergency care.
  • Coverage available for pre-existing conditions (certain requirements apply).
  • Coverage is automatically extended up to 7 days if you are unavoidably delayed in your return.


The following are the limitations on this plan’s coverage:

  • Individual trips must be no longer than 45 days each.
  • Trip cancellation protection is limited, as is the trip interruption coverage.
  • Coverage does not extend to locations where a terrorist incident has occurred in the 30 days prior to your plan’s effective date.
  • No coverage for high-risk sports activities.

As with any type of insurance, terms, conditions, and exclusions apply.