Allianz vs GoReady: Which Travel Insurance Is Better?
Allianz and GoReady sell to the same traveler and answer the same question differently: Allianz puts its money into the free-kids rule on Prime and Premier, GoReady into Elite’s $250,000 of medical and $500,000 of evacuation. 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 |
| GoReady Choice | $50,000 | $250,000 | Upgrade, 75% back | Paid upgrade | No |
| GoReady Elite | $250,000 | $500,000 | Upgrade, 75% back | 14 days | No |
| GoReady Priority Plus | $25,000 (upgrade to $100,000) | $250,000 | Upgrade, 75% back, up to $15,000 | 14 days | No |
| GoReady Cruise | $100,000 | $250,000 | Upgrade, up to $10,000 | Within 24 hours of final payment | 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 GoReady review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A trip outside the US | GoReady Elite | $250,000 of medical and $500,000 of evacuation. Allianz Premier carries $75,000 of medical. |
| A remote trip where the helicopter is the risk | Allianz OneTrip Premier, or a plan with both | Premier’s $1,000,000 of evacuation beats Elite’s $500,000; Elite’s medical beats Premier’s by more. A plan on the comparison with $250,000 and $1,000,000 does both. |
| A domestic trip with children | Allianz OneTrip Prime | Children 17 and under are free. GoReady has no free-kids benefit. |
| Cancel for any reason | Allianz by a little | Cancel Anytime refunds 80 percent. GoReady refunds 75 percent, on every plan, including the budget Choice plan. |
| A traveler with a pre-existing condition | GoReady Elite or Allianz, bought early | Both waive within 14 days. GoReady Choice makes the waiver a paid upgrade, so its low price is not the whole price. |
| Price | GoReady, 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; GoReady’s best plan, Elite, carries $250,000 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. GoReady: Cancel for any reason must be added when you buy (within 14 days on Choice and Elite), refunds 75 percent (capped at $15,000 on Priority Plus and $10,000 on Cruise), 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. GoReady: On Choice the pre-existing condition waiver is a paid upgrade; on Elite and Priority Plus it applies when you buy within 14 days of the initial deposit and insure the full trip cost; on Cruise, within 24 hours of the final payment.
Children. Allianz: Children 17 and under are free on OneTrip Prime and Premier (not for Pennsylvania residents). GoReady: No free-kids benefit.
Free look. Allianz: 15 days after purchase for a full refund if the trip has not started. GoReady: 15 days on Choice and 14 days on Elite for a full refund if you have not departed or filed a claim.
See GoReady 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. GoReady 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. GoReady’s strengths are Elite’s $250,000 of medical and $500,000 of evacuation, cancel for any reason on every plan, a dedicated cruise plan; its weak spot is Choice looks cheap until the waiver is added as a paid upgrade, and its $50,000 medical limit is thin abroad; 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 GoReady better than Allianz?
For the hospital bill abroad, yes: GoReady Elite carries $250,000 of medical against $75,000 on Allianz Premier. Allianz wins on evacuation at the top ($1,000,000 against $500,000), on free children, and on an 80 percent Cancel Anytime refund against 75.
Is GoReady the same as APRIL travel insurance?
Yes. APRIL Travel Protection became GoReady after Aegis bought it in 2021, and it is sold on the CoverTrip comparison under the Aegis name. The plans are Choice, Elite, Priority Plus and Cruise.
Does GoReady have cancel for any reason?
On every plan, refunding 75 percent (capped at $15,000 on Priority Plus and $10,000 on Cruise), added when you buy within 14 days of the deposit on Choice and Elite, with the trip cancelled at least two days before departure. Allianz’s Cancel Anytime refunds 80 percent on Prime and Premier.
Related: Allianz review · GoReady review · travel medical insurance guide · medical evacuation guide · pre-existing conditions answer · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Allianz and GoReady, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
See GoReady 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.