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Allianz Insurance was so nice to do business with

I have seen many discussions about trip insurance on forum. Allianz often gets high marks and compliments.

I always book insurance when I fly and the company used is usually Allianz but fortunately, I have never had to use them until now.

American cancelled my flight to Tokyo and because the one they put me on did not work, I had to rebook. The one that I rebooked leaves a day early and I am now changing planes in Chicago rather thn Los Angeles.

However I rebooked by calling American rather than doing it myself online.

Today I realized that I did not know if the insurance came with me.

I called American to ask them but they did not know. They told me that I needed to call Allianz and gave me the number.

Everything in me sank. "No, another phone call, another call center , etc. How many transfers? How long will I be on hold"

It turned out to be a pleasant experience. The voice messages were understandable. There were not many buttons to punch. Very soon and easily, I was connected to a human being who actually HELPED me.

He was able to move the insurance that I had with the first flight to the new one and I did not have to pay anymore.

My cruise is fully paid for and I have paid for insurance thru NCL. I have never had to use NCL insurance but reviews are mixed.

For my next cruise, I am going to check with Allianz before booking insurance thru NCL.

I did not know where to post this discussion. My next flight is Austin to Tokyo but I know that the majority of members travel Europe most frequently.

Posted by
729 posts

If you do more than 2 trips a year (and it sounds like you do), consider getting an annual travel policy.

We have had an annual travel insurance policy through Allianz for the past 4 years. And will continue to get one from them every year.

We had one claim in all that time- when I had to go to the hospital overnight in Madrid during my RS best of Spain tour,

Allianz reimbursed my medical expenses in full one month after I submitted all the paperwork.

For me, the cost of an annual travel policy was cheaper than getting travel insurance for 3 separate trips.
Also the travel policy includes travel over X miles from your home, so it does cover insurable events in the US.
The annual travel policy also includes car rental coverage.

Posted by
2728 posts

Derek

thank you for the information.

I actually only take one cruise a year and wish I could do two but it is not possible at the time.

I buy insurance when I book the flight and I buy insurance through NCL for the cruise.

I do not have insurance for the pre or post cruise but I probably should.

I am going to Japan for my next cruise and I have just read somewhere that Japan is considering require visitors to purchase insurance when visiting.

Posted by
36 posts

We also started doing an annual policy with Allianz about 4 years ago. While we typically do two international trips a year, the policy also covers travel in the US.

Posted by
12002 posts

Another kudos to Allianz. We have an annual policy as well and have for four or five years now. We had to cancel our spring trip and while submitting the documentation was daunting, we got a nearly complete refund of what I submitted paid out in about 10 days from submission. Very happy camper.

FWIW I think it is best to buy a trip or annual policy directly from the insurer rather than from the airline or cruise company. You can control what is covered, how much medical coverage, etc.

Posted by
2728 posts

THank you Karen and Laurel

I have heard very many good things about Allianz.

For my next cruise, I might give them a call and see how much it would be to have the entire vacation covered. I am talking flights, pre-cruise and cruise itself .

My insurance through the airline was about $111. I think the insurance through NCL was over $300 and I have no insurance pre-cruise.