Allianz vs Berkshire Hathaway: Which Travel Insurance Is Better?
Allianz and Berkshire Hathaway sell to the same traveler and answer the same question differently: Allianz puts its money into the free-kids rule on Prime and Premier, Berkshire Hathaway into the highest travel delay limits on the comparison ($1,400 to $2,500) with fixed-amount, fast-paid claims. 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 |
| Berkshire Hathaway ExactCare Value | $15,000 | $150,000 | No | 15 days | No |
| Berkshire Hathaway ExactCare | $50,000 | $500,000 | No | 15 days | No |
| Berkshire Hathaway ExactCare Extra | $75,000 | $750,000 | No | 15 days | No |
| Berkshire Hathaway LuxuryCare | $150,000 | $1,000,000 | Upgrade, 50% back, trips up to $10,000 per traveler | 15 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 Berkshire Hathaway review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A cruise or a trip outside the US | Berkshire Hathaway LuxuryCare | $150,000 of medical and $1,000,000 of evacuation. Allianz Premier carries $75,000 of medical. |
| A domestic trip with children | Allianz OneTrip Prime | Children 17 and under are free. Berkshire Hathaway has no free-kids benefit. |
| A trip with connections, in winter, or through a busy hub | Berkshire Hathaway ExactCare | $1,400 of travel delay, paid as fixed amounts, and $500,000 of evacuation on a mid-range plan. |
| Cancel for any reason | Allianz | Cancel Anytime refunds 80 percent on Prime and Premier. Berkshire Hathaway’s upgrade is on LuxuryCare only, refunds 50 percent, and is limited to trips of $10,000 per traveler. |
| A traveler with a pre-existing condition | Either, bought early | Allianz within 14 days of the first payment, Berkshire Hathaway within 15 days with the full trip cost insured. |
| Price | Berkshire Hathaway, on the comparison | Priced next to the other plans when you enter the trip once. Allianz sells only direct. |
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; Berkshire Hathaway’s best plan, LuxuryCare, carries $150,000 of medical and $1,000,000 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. Berkshire Hathaway: Cancel for any reason is on LuxuryCare only, refunds 50 percent, is limited to trips of $10,000 per traveler, and must be added within 15 days of the first payment.
Pre-existing conditions. Allianz: The pre-existing condition waiver applies when you buy within 14 days of the first trip payment. Berkshire Hathaway: The pre-existing condition waiver applies when you buy within 15 days of the first trip payment and insure the full trip cost.
Children. Allianz: Children 17 and under are free on OneTrip Prime and Premier (not for Pennsylvania residents). Berkshire Hathaway: No free-kids benefit.
Free look. Allianz: 15 days after purchase for a full refund if the trip has not started. Berkshire Hathaway: 15 days after purchase for a full refund if you have not departed or filed a claim.
See Berkshire Hathaway priced next to the plans that beat Allianz
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Allianz sells only direct and is not on the comparison. Berkshire Hathaway 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. Berkshire Hathaway’s strengths are the highest travel delay limits on the comparison ($1,400 to $2,500) with fixed-amount, fast-paid claims, LuxuryCare’s $150,000 of medical and $1,000,000 of evacuation, strong evacuation limits even on the mid-range plans; its weak spot is thin medical on ExactCare Value and ExactCare ($15,000 and $50,000) for a trip abroad, and a 50 percent cancel for any reason on one plan only. 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 Berkshire Hathaway better than Allianz?
For a trip abroad, yes, on evacuation at every level and on medical at the top: LuxuryCare’s $150,000 against Allianz Premier’s $75,000. Allianz is better for a domestic family trip (free children) and for cancel for any reason (80 percent against 50).
Which is better for a cruise, Allianz or Berkshire Hathaway?
Berkshire Hathaway LuxuryCare, with $150,000 of medical and $1,000,000 of evacuation; its WaveCare cruise plan carries $75,000 and $750,000. Allianz Premier carries $75,000 of medical, thin for a ship far from a hospital.
Does Berkshire Hathaway have cancel for any reason?
On LuxuryCare only, refunding 50 percent of the trip cost, for trips of $10,000 per traveler or less, added within 15 days of the first payment. Allianz’s Cancel Anytime refunds 80 percent on OneTrip Prime and Premier.
Related: Allianz review · Berkshire Hathaway review · Does travel insurance cover flight delays? · cruise travel insurance guide · Cancel For Any Reason guide · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Allianz and Berkshire Hathaway, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
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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.