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Allianz Travel Insurance review

Best for: Travellers who want a $10 million medical limit on single trips of up to 365 days, with no age limit on the main plans.

By the CreditLab research team · Checked October 14, 2026

TRAVEL INSURANCE
Allianz Travel Insurance
Visit site On the official site
Medical, packages, youthPlans

The bottom line

Allianz Global Assistance lists emergency medical coverage up to $10 million on its main plans, single trips of up to 365 days and no age limit on its emergency medical, comprehensive, multi-trip and non-medical plans. Travellers 65 or older answer a medical questionnaire. COVID-19 medical cover depends on whether a related government travel advisory was in place, so read the policy wording closely.

Pros & cons

Pros

  • Up to $10 million emergency medical on main and multi-trip plans
  • Single trips of up to 365 days
  • No age limit on emergency medical and comprehensive plans
  • Plans for youth, international students and visitors to Canada
  • 24/7 assistance worldwide

Cons

  • Annual per-trip limits are short, at 4 to 35 days
  • Stability period rises to 150 days at 65 and older
  • COVID-19 medical cover depends on travel advisory status
  • Trip cancellation limits listed only as sum insured
LAB REPORT

A broad lineup with a high medical limit, long single trips and no age cap on the main plans. Short annual day limits and advisory-based COVID-19 rules are the points to check.

Suits you if

  • You’re planning a single trip of several months.
  • You’re 65 or older and want no age cap.
  • You need a plan for a youth or international student.

Look elsewhere if

  • You need annual-plan trips longer than 35 days.
  • You want COVID-19 cover regardless of travel advisories.

Credit Lab Expert

Our detailed review

Plans Allianz Global Assistance offers

Allianz Global Assistance lists single-trip medical, multi-trip annual, all-inclusive, trip cancellation and interruption, trip interruption, a non-medical package, a youth plan, within Canada coverage, visitors to Canada, international student and top-up plans.

Policies are underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies, and administered by Allianz Global Assistance, a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. The details here come from the Allianz-operated sales site.

Emergency medical and trip length

Allianz lists up to $10 million in emergency medical coverage on its Emergency Medical Plan, Comprehensive Package and both multi-trip plans. The Youth Plan is listed at $1,000,000. International Students shows $2,000,000 and Visitors to Canada shows options of $25,000, $50,000, $100,000 or $500,000, but those two were matched to plans by table order, so confirm them before you buy.

Trip length options listed by Allianz:

  • Single trip: up to 365 days
  • Emergency Medical Multi-trip Plan: 4, 8, 15 or 35 days per trip
  • Comprehensive Multi-trip Package: 15 or 35 days per trip
  • Annual travellers can call to buy a top-up when a trip runs past the day limit

Pre-existing conditions and stability periods

Allianz says stability must be 90 days for ages 64 and under, and that eligible conditions stable for 150 days are covered for ages 65 and older. These figures come from the seniors page, and the FAQ gives 90 or 150 days as examples. The policy wording PDFs couldn’t be read, so check how stable is defined and which conditions qualify.

Age limits and the medical questionnaire

There’s no age limit on the Emergency Medical, Comprehensive, multi-trip and non-medical plans. A medical questionnaire is required for travellers 65 or older, who quote online through a separate medical-screening site. The Youth Plan covers ages up to 29, Visitors to Canada up to 89 and International Students up to 49. Answer every question accurately, since an incorrect answer can affect a claim.

Buying, deductibles and COVID-19 notes

You can buy online. Allianz says the same plan is available with a deductible option of up to $500, and Visitors to Canada plans list a $500 deductible. Non-medical plans include Travel Delay of $350 per day up to a maximum of $1,500. Trip cancellation limits are listed only as the sum insured. Assistance is available 24/7 worldwide.

Plans list coverage for epidemic and pandemic diseases such as COVID-19. The FAQ says COVID-19 medical treatment is covered if no Government of Canada travel advisory related to COVID-19 was in place on the policy’s effective date. For trip cancellation and interruption, Allianz treats COVID-19 as a known event, so policies bought on or after March 11, 2020 don’t cover COVID-19 travel-advisory claims, with exceptions if you become ill.

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Frequently Asked Questions

Can travellers 65 and older buy Allianz travel insurance?

Allianz lists no age limit on its Emergency Medical, Comprehensive, multi-trip and non-medical plans. A medical questionnaire is required at 65 or older. The Youth Plan goes up to 29, Visitors to Canada up to 89 and International Students up to 49.

What happens if my trip runs longer than my Allianz annual plan allows?

Allianz says annual-plan travellers can call to buy a top-up extension when a trip exceeds the chosen day limit. Arrange it before the limit is reached, as coverage may not apply to the extra days otherwise.

What stability period does Allianz require at 65 and older?

Allianz lists 90 days of stability for ages 64 and under, and says eligible conditions stable for 150 days are covered at 65 and older. Confirm the definition of stable in the policy wording.

Does Allianz travel insurance cover COVID-19 medical treatment?

The Allianz FAQ says COVID-19 medical treatment is covered if no Government of Canada travel advisory related to COVID-19 was in place on the policy’s effective date. Check advisories for your destination before you buy.

Does Allianz trip cancellation cover COVID-19 travel advisories?

Allianz declared COVID-19 a known event, so policies bought on or after March 11, 2020 aren’t covered for COVID-19 travel-advisory claims. Exceptions apply if you become ill with COVID-19, so read the policy wording.

Can international students get travel insurance from Allianz?

Yes, Allianz lists an International Students plan for ages up to 49. The research showed a $2,000,000 limit, but that value was matched to the plan by table order, so confirm it with Allianz.

Who underwrites Allianz Global Assistance travel insurance in Canada?

Policies are underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies. Allianz Global Assistance administers the coverage.

Does Allianz offer a deductible on its travel medical plans?

Allianz says the same plan is available with a deductible option of up to $500. Visitors to Canada plans list a $500 deductible.

Sources

Features come from the insurer’s own site, checked October 14, 2026. Coverage is decided by the policy wording, not this summary: read it, and answer every medical question accurately. We don’t show premiums because they depend on your age, health and coverage. See our methodology.