Allianz vs Trawick: Which Travel Insurance Is Better?
Allianz and Trawick sell to the same traveler and answer the same question differently: Allianz puts its money into the free-kids rule on Prime and Premier, Trawick into primary medical on every plan. 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 |
| Trawick Pathway Essential | $25,000 primary ($100 deductible) | $250,000 | No | None | No |
| Trawick Pathway Plus | $100,000 primary | $350,000 | No | 14 days | No |
| Trawick Pathway Premium | $200,000 primary | $1,000,000 | Upgrade, 75% back | 21 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 Trawick review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A trip outside the US | Trawick Pathway Plus | $100,000 of primary medical and $350,000 of evacuation, twice Allianz Prime’s medical, and primary means it pays first without going through your health plan. |
| A cruise or a remote trip | Trawick Pathway Premium | $200,000 of primary medical, $1,000,000 of evacuation, $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. Trawick has no free-kids benefit. |
| Cancel for any reason | Allianz by a little | Cancel Anytime refunds 80 percent within 14 days of the first payment. Trawick’s 75 percent upgrade is on Premium only, within 21 days, not in New York. |
| A traveler with a pre-existing condition | Trawick Premium | A 21-day window (14 on Plus) against Allianz’s 14, on a plan with more medical behind it. Pathway Essential has no waiver. |
| A cheap plan | Neither of the cheapest ones abroad | Trawick Essential carries $25,000 of medical with a $100 deductible; Allianz Basic $10,000. Both are domestic-only in practice. |
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; Trawick’s best, Pathway Premium, carries $200,000 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. Trawick: Cancel for any reason is on Pathway Premium only, refunds 75 percent, must be added within 21 days of the deposit, and is not available in New York.
Pre-existing conditions. Allianz: The pre-existing condition waiver applies when you buy within 14 days of the first trip payment. Trawick: Pathway Plus waives the pre-existing condition exclusion when you buy within 14 days of the deposit, Premium within 21 days, both with the full trip cost insured; Essential has no waiver.
Children. Allianz: Children 17 and under are free on OneTrip Prime and Premier (not for Pennsylvania residents). Trawick: No free-kids benefit.
Free look. Allianz: 15 days after purchase for a full refund if the trip has not started. Trawick: 14 days in most states (10 to 30 by state) for a full refund if you have not departed or filed a claim.
See Trawick priced next to the plans that beat Allianz
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Allianz sells only direct and is not on the comparison. Trawick 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. Trawick’s strengths are primary medical on every plan, Premium’s $200,000 of medical and $1,000,000 of evacuation, a 21-day window on Premium; its weak spot is Essential’s $25,000 medical limit with a $100 deductible, and no free-kids benefit. 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 Trawick better than Allianz?
For a trip abroad, yes: every Pathway plan carries primary medical, and Plus and Premium carry $100,000 and $200,000 against Allianz’s $50,000 and $75,000. Allianz is the better buy for a domestic family trip, where children are free on Prime and Premier and the medical limit matters less.
Which is better for a cruise, Allianz or Trawick?
Trawick Pathway Premium: $200,000 of primary medical and $1,000,000 of evacuation, with the pre-existing condition waiver when bought within 21 days. Allianz Premier carries $75,000 of medical, thin for a ship far from a hospital.
Does Trawick have cancel for any reason?
On Pathway Premium only, refunding 75 percent, added within 21 days of the deposit, not available in New York. Allianz’s Cancel Anytime refunds 80 percent on OneTrip Prime and Premier and has to be added when you buy, within 14 days of the first payment.
Related: Allianz review · Trawick review · travel medical insurance guide · cruise travel insurance 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 Trawick, 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.