Travel insurance isn't optional on any trip booked here — the only real decision is which policy fits how you travel.
Allianz and Travel Insured International (underwritten by Crum & Forster) are both established, legitimate providers, and both are the two I actually quote and bind for clients. This isn't a case of one being a lesser product — it's a case of two different shapes of coverage, and one of them fitting most clients here noticeably better.
The Comparison
| Allianz (AllTrips Premier) | Travel Insured (Worldwide Trip Protector) | |
|---|---|---|
| Structure | Annual plan — unlimited trips per year | Single-trip plan |
| Medical Evacuation | Up to $1,000,000 | Up to $1,000,000 |
| Emergency Medical | Up to $50,000 (annual) / higher single-trip | Up to $100,000, primary coverage |
| Claims Experience | SmartBenefits — proactive payment, no claim filing for covered delays | Primary medical coverage means no need to file with your domestic insurer first; standard claim filing otherwise |
| Cancel For Any Reason | Available on select plans | Available as an add-on — reimburses up to 75% of trip cost |
| Pre-Existing Condition Waiver | Within 14 days of first deposit | Within 21 days of first deposit |
Why Allianz Is the Default Recommendation
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You travel more than once a year
One AllTrips Premier annual policy covers every trip you take — often cheaper than buying single-trip coverage each time, and one less thing to remember to arrange before every departure.
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SmartBenefits changes the claims experience
Certain covered delays and disruptions pay out proactively — no claim form, no waiting on a reimbursement decision. For a group trip where something inevitably shifts, that's a meaningfully better experience than a traditional claims process.
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The working relationship
Beyond the numbers, Allianz has simply been the more responsive, easier partner to work with directly — which matters when a claim or question needs a fast answer.
When Travel Insured Is Still the Right Call
Single-Trip Travelers, and Higher Standard Medical Limits
If you travel internationally only once a year, an annual plan doesn't pay for itself — a Travel Insured Worldwide Trip Protector policy is a completely sound choice, and its emergency medical coverage runs primary (no need to file with your own health insurer first) with a higher standard limit than Allianz's base annual plan.