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Allianz Travel Insurance - Real Customer Reviews and Facts

Who is Allianz Travel Insurance? We explain what you need to know, listing genuine Allianz Travel Insurance reviews from travellers who have used and claimed on their policies overseas. Our guide looks at average savings, pros and cons, Trustpilot and Google reviews, the claims process, exclusions and must-know facts.
Updated 19 February 2026

​Why We're Sharing MoneyHub Reader Reviews ​
To help explain Allianz Travel Insurance, our guide covers:
Having reviewed Allianz's policy documentation, we outline the main exclusions in comprehensive policies:
  • Pre-existing medical conditions not declared and approved before purchase, even controlled conditions like blood pressure must be declared
  • Claims without receipts - documentation is absolutely mandatory
  • Pregnancy after 24 weeks - no cover regardless of circumstances
  • Ski Activities are only covered if you purchase a Snow Pack
  • Cruise Activities are only covered if you purchase a Cruise Pack
  • Motorcycle, Moped or Quad bike activities are only covered if you purchase an Adventure Pack and you must wear a helmet
  • Alcohol-related incidents where impairment contributed to the claim
  • No ability to add conditions online after purchase - all medical issues must be disclosed upfront, or you will need to contact Allianz by phone to change the details on your policy.

Age Coverage
  • Allianz provides comprehensive coverage for travellers of ALL ages - no upper age limits on their Comprehensive, Basic, Domestic or Multi-Trip base plans. 

Bottom Line for Smart Travellers
  • Allianz has a high rate of paying claims. In 2025 they paid out over $65 million in claims.
  • Proper documentation and disclosure is always required, meaning you should declare all medical conditions upfront, keeping every receipt, and understanding your policy coverage before you travel.
  • Allianz offers a handy Claims Document Checklist that provides clear, general guidance on the types of documents needed to support different claim types.  This checklist helps streamline the claims process and reduces the likelihood of delays caused by requests for additional information, making it easier for customers to submit complete claims from the start. 

​What Allianz offers:

​The cheapest policy becomes worthless when claims are rejected on technicalities. Allianz represented to MoneyHub the following information - we cannot verify the statements, and some of the information and wording is subjective, but we have published it for transparency.
  • No age limits on base plans - covers all ages  
  • High rate of paying claims - Allianz represented to MoneyHub that they have paid out 36,499 claims in 2025, totalling just over $65 million
  • Clear policy wording - 80+ pages of detailed coverage explanations
  • 24/7 emergency assistance - real people, real help when you need it. Allianz has over 800 full time employees working globally in medical operations, of whom 200 are doctors or nurses. 
  • Allianz owns their medical assistance network.  When you need medical assistance, you are talking directly to Allianz’s preferred global provider network of 1.9 million medical providers. Providers within the network are carefully selected and regularly assessed to ensure they meet Allianz’s high standards for quality care and service.
  • Proven claims processing - straightforward medical claims handled professionally, it’s easy to submit your claim online
  • Natural disaster coverage - explicitly covers volcanic eruptions and other disasters
  • Flexible coverage options - from basic medical to comprehensive protection

Allianz policies offer:
  • Medical and evacuation coverage of $20 million
  • Cancellation coverage scalable from $2,000 up to $100,000
  • Personal liability coverage up to $5 million
  • Rental Vehicle Excess cover up to $6,000
  • Optional packs for adventure activities, cruising, and snow sports
  • Base plans cover travellers over 70 

Compare Three Policy Types to Match Your Needs:
  1. Medical Only Alternative - Basic Plan - Perfect for budget-conscious travellers who won't cancel and don't check bags. Covers $20 million medical costs and personal liability ($2.5 million) without the extras.
  2. Comprehensive Plan - Complete protection including $20 million medical, cancellation (scalable to $100,000), baggage ($10,000), personal liability ($5 million), plus options for activities and cruising.
  3. Multi-Trip Annual Cover - For frequent travellers - covers unlimited trips up to 45 days each within a 12-month period.

Ready to insure your travel?
Important: Allianz, like any travel insurer, requires complete transparency. Document everything, declare all medical conditions, and keep all receipts.

Real Allianz Travel Insurance Customer Testimonials Shared with MoneyHub

We regularly receive unsolicited emails from readers sharing their travel insurance experiences. Here's a sample of recent feedback (identifying details removed, spelling corrected):
"I followed your travel insurance guide and compared Allianz and Southern Cross for a trip to Australia. With my initial information, Allianz came out a couple of dollars cheaper. However, as I have had multiple hip replacements, I had to declare pre-existing medical conditions and that's where things changed significantly - Allianz wanted an additional $62 taking the total to $93, while Southern Cross only wanted an extra $10 for a total of $45. It always gets interesting when the client is a little bit different". 

"You often see Southern Cross featured on MoneyHub, so as a member I went back to them and was pleasantly surprised to get a 12-month multi-trip plan for half the price of Allianz".

Our Take: These experiences highlight exactly why we always recommend comparing quotes rather than assuming one provider is cheapest. Allianz's base pricing is competitive, but costs can vary significantly once pre-existing conditions or multi-trip plans are factored in. Every traveller's situation is different - compare using our travel insurance guide to find the best fit for your circumstances.

Share Your Experience: Have you used Allianz Travel Insurance? We'd like to hear about your experience to help other New Zealanders make informed decisions - please contact our research team.

​What About Negative Allianz Reviews Online?

If you search for Allianz reviews on Trustpilot, you'll find a profile for "Allianz Australia" with a low rating. It's important to understand what you're actually reading:
  • Those reviews are for Allianz Australia's general insurance division – car insurance, home insurance, landlord insurance and workers' compensation. They are not reviews of Allianz travel insurance in New Zealand.
  • The New Zealand travel insurance product is a separate operation. Allianz travel insurance in New Zealand is issued and managed by AWP Services New Zealand Limited (trading as Allianz Partners) and underwritten by Mitsui Sumitomo Insurance Company, Limited (MSIG) – one of the world's largest general insurers.
  • For context, Allianz Insurance UK has a 4.5-star Trustpilot rating from over 38,000 reviews – demonstrating that customer experience varies significantly across markets and product lines.
  • Insurance review platforms tend to skew negative. Travellers who have a smooth claims experience rarely leave online reviews, while those with disputes are motivated to share their frustration. This is true across the entire insurance industry, not just Allianz.

Our View: We encourage all travellers to read reviews critically and understand what product and market they relate to. The most common reasons for negative travel insurance experiences across any provider are undeclared pre-existing medical conditions, missing documentation, and claims for activities not covered by the policy.

No matter what insurer you select, documentation is mandatory and all medical conditions must be declared upfront - getting this right is the single biggest factor in a smooth claims experience, regardless of which insurer you choose.

Allianz Travel Insurance: Must Know Information

​Is Allianz Travel Insurance legitimate?

Yes - Allianz Travel Insurance is legitimate. The policy is underwritten by Mitsui Sumitomo Insurance Company, Limited (MSIG), part of the MS&AD Insurance Group - one of the world's largest general insurers with over US$70+ billion in annual premiums and operations in 49 countries per investor information.

Beyond the feedback MoneyHub has received, what about other Allianz Travel Insurance reviews?

Allianz is ranked the world’s number 1 insurance brand. From MoneyHub reader reviews feedback, it’s one of New Zealand's most trusted travel insurance brands.  While Allianz sells travel insurance directly to consumers, it also partners with established New Zealand insurers.

Our View: The widespread reliance on Allianz as an insurance partner demonstrates the company's standing within New Zealand's insurance industry. Major insurers don't partner with insurance brands lightly - they need assurance that claims will be paid fairly and efficiently. Allianz's position as the chosen partner for multiple well-regarded New Zealand insurance brands reinforces its credibility in the local market.

Who does Allianz Travel Insurance work best for?

Overall, Allianz will usually appeal to these travellers:
  • Families with children – add up to 10 dependents under 25 
  • Adventure seekers - optional packs for skiing, diving, and motorcycles
  • Cruise passengers - dedicated cruise coverage available to add on
  • Seniors and older travellers - no age limits on comprehensive plans
  • Long-term travellers - 12-month single trip options
  • Frequent flyers - Multi-Trip annual coverage available
  • High-cost destinations - up to $20million medical coverage, crucial for USA/Europe
  • Document-organised travellers - those who keep receipts and paperwork
  • Risk-aware travellers - those wanting comprehensive protection

Allianz May Not Suit:
  • Last-minute travellers with undisclosed medical conditions
  • Those unable to provide documentation for claims
  • Pregnant travellers beyond 24 weeks
  • Riders of motorcycles (unless you’ve purchased an Adventure Pack)
  • Travellers who don't read policy details

The Bottom Line

Allianz offers solid coverage with no age limits and high medical/evacuation limits, but compare quotes as premiums rise with pre-existing conditions, and strict documentation is required for claims.
​​
Share Your Experience: Have you had any issues with Allianz Travel Insurance? We'd like to hear about your experience to help other New Zealanders make informed decisions - please contact our research team.

Disclaimer: This compilation is based on reader testimonials and publicly available information. Individual experiences may vary. Always compare policies carefully and ensure coverage meets your specific needs.

​Money-Saving Tips If You're Considering Allianz:
  • Compare Medical Only (Basic) vs Comprehensive carefully - don't over-insure
  • Increase your excess to reduce premiums
  • Book early - you’re covered from the date of policy purchase for cancellation benefits included in the Comprehensive, Domestic and Multi-trip Plans 
  • Check whether your credit card provides complimentary coverage to avoid doubling up - our guide explains what you need to know
  • Declare all medical conditions upfront to avoid claim rejection
  • Keep digital copies of all receipts before and during travelling

Important: Before purchasing, ensure you read the full policy, understand what constitutes a pre-existing condition, and are comfortable with email-based claims handling. Document everything from day one of your trip.

Frequently Asked Questions

How fast does Allianz process travel insurance claims?

Based on the policy documentation, Allianz aims to process straightforward claims within 5-10 business days once all documentation is received. Medical claims with proper hospital discharge papers and receipts are typically handled promptly. Emergency assistance and pre-approvals are available 24/7.

What are the main exclusions I need to know about?

Generally, these are important for a number of New Zealanders heading overseas:
  • Undeclared pre-existing medical conditions (even controlled conditions)
  • Claims without receipts or documentation
  • Pregnancy after 24 weeks of gestation
  • Alcohol or drug-related incidents
  • Unlicensed driving or riding
  • Activities not covered in your plan (without the relevant Pack)
  • Epidemics/pandemics (except specific covered benefits)

What's the difference between Allianz's Basic (Medical Only) and Comprehensive policies?

In summary:
  • Basic Plan: Medical and hospital expenses ($20m), personal liability ($2.5m), and funeral expenses. No cancellation, baggage, or delay coverage.
  • Comprehensive Plan: Everything in Basic as well as cancellation (scalable between $2,000 and $100,000), baggage ($10,000), travel delays, document replacement, rental vehicle excess, and personal liability is up to $5m.

Can I extend my policy if I decide to stay longer?

​Yes, if you contact Allianz before your policy expires, they can issue you with a new policy to cover the rest of your trip while you are overseas. You’ll need to call Allianz directly while still travelling. An additional premium applies, and medical conditions are reassessed. Extensions cannot exceed 12 months total for single trips.

Can I insure for adventure activities?

Yes, through optional packs which can be added to any Allianz policy:
  • Adventure Pack: Covers things like motorcycle riding, diving to 30m, zip-lining
  • Snow Pack: Dedicated snow sports coverage with equipment protection
    Cruise Pack: Comprehensive cruise coverage, including shore excursions

Do I need to declare controlled medical conditions?

Yes - even controlled conditions like blood pressure, cholesterol, or diabetes must be declared. Failure to declare ANY pre-existing condition can void your entire claim.

What documentation do I need for claims?

Everything. Keep all receipts (originals preferred), boarding passes, medical discharge papers, police reports for theft, bank statements for cash withdrawals, and proof of ownership for valuable items. Without receipts, claims are likely to be declined.
​Important: Too many New Zealanders take the risk and travel without it. We compare by country to help you make finding what you need easier: 
​Related guides:
Advertising Disclaimer: 
  • Some links on MoneyHub may be affiliate links. This means MoneyHub may receive a commission if a user clicks through and completes a purchase or signs up for a product or service. MoneyHub features as many products and services as possible and shortlists those it believes offer genuine value. Reviews are independent, objective, and based on our own research. Please visit our advertising policy for more details. 
  • Allianz Travel Insurance is issued and managed by AWP Services New Zealand Limited (AWP) trading as Allianz Partners under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (MSI) (FSP Number 20661) (Incorporated in Japan) as the underwriter. This allows us to issue contracts of insurance and to deal with or settle claims on MSI’s behalf. 
  • AWP earns a fee for any insurance policy you purchase.
  • Before purchasing this insurance, decide whether this product is right for you by reading the Policy Wording, and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits, and exclusions apply.