Allianz vs Seven Corners: Which Travel Insurance Is Better?
Allianz and Seven Corners sell to the same traveler and answer the same question differently: Allianz puts its money into the free-kids rule on Prime and Premier, Seven Corners into Choice’s $500,000 of primary medical, the highest on the comparison. 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 |
| Seven Corners Trip Protection Basic | $100,000 (secondary) | $250,000 | Upgrade, 75% back | None | No |
| Seven Corners Trip Protection Choice | $500,000 (primary) | $1,000,000 | Upgrade, 75% back | 20 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 Seven Corners review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A cruise, a remote trip, or a traveler over 65 | Seven Corners Trip Protection Choice | $500,000 of primary medical, $1,000,000 of evacuation and $2,000 of travel delay. Allianz Premier carries $75,000 of medical. |
| A domestic trip with children | Allianz OneTrip Prime | Children 17 and under are free. Seven Corners has no free-kids benefit. |
| Cancel for any reason | Allianz by a little | Cancel Anytime refunds 80 percent; Seven Corners refunds 75 percent, on both plans, added within 20 days of the deposit. |
| A traveler with a pre-existing condition | Seven Corners Choice | A 20-day window against Allianz’s 14, and the waiver sits on a plan with $500,000 of medical behind it. Seven Corners Basic has no waiver. |
| A budget plan | Seven Corners Trip Protection Basic | $100,000 of medical (secondary) and $250,000 of evacuation; Allianz OneTrip Basic carries $10,000 and $50,000. |
| New York or Washington residents | Check the quote | Seven Corners sells Economy and Elite in those states with different limits. Allianz’s plans are the same, minus free kids in Pennsylvania. |
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; Seven Corners’s best, Trip Protection Choice, carries $500,000 (primary) and $1,000,000. 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. Seven Corners: Cancel for any reason is an upgrade on both plans, refunds 75 percent, must be added within 20 days of the initial deposit, requires cancelling two or more days before departure, and is not sold in every state.
Pre-existing conditions. Allianz: The pre-existing condition waiver applies when you buy within 14 days of the first trip payment. Seven Corners: The pre-existing condition waiver is on Choice only, when you buy within 20 days of the initial trip payment and insure the full trip cost; Basic has no waiver.
Children. Allianz: Children 17 and under are free on OneTrip Prime and Premier (not for Pennsylvania residents). Seven Corners: No free-kids benefit.
Free look. Allianz: 15 days after purchase for a full refund if the trip has not started. Seven Corners: 14 days after purchase (15 in Missouri) for a full refund if you have not departed or filed a claim.
See Seven Corners priced next to the plans that beat Allianz
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Allianz sells only direct and is not on the comparison. Seven Corners 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. Seven Corners’s strengths are Choice’s $500,000 of primary medical, the highest on the comparison, $1,000,000 of evacuation and $2,000 of travel delay on Choice, a 20-day window for the waiver and cancel for any reason; its weak spot is no free-kids benefit, and New York and Washington residents are sold different plans (Economy and Elite) with different limits. 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 Seven Corners better than Allianz?
For medical coverage, by a wide margin: Trip Protection Choice carries $500,000 of primary medical against $75,000 on Allianz OneTrip Premier, and even Seven Corners Basic carries $100,000. Allianz is the better buy for a domestic trip with children, where kids are free and the medical limit matters less.
Which is better for a cruise, Allianz or Seven Corners?
Seven Corners Trip Protection Choice: $500,000 of primary medical and $1,000,000 of evacuation, with the pre-existing condition waiver when bought within 20 days of the deposit. Allianz’s medical limits ($50,000 on Prime, $75,000 on Premier) are thin for a ship far from a hospital.
Which is cheaper, Allianz or Seven Corners?
Seven Corners Basic and Allianz Prime usually land close on price for the same trip, and Basic carries twice the medical limit. Seven Corners is priced next to the rest of the market on the comparison; Allianz sells only direct, so compare the limits at the same price before you buy either.
Related: Allianz review · Seven Corners review · cruise travel insurance guide · travel insurance for seniors guide · family 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 Seven Corners, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
See Seven Corners 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.