Both Allianz Travel Insurance and Seven Corners Travel Insurance offer comprehensive coverage options, but they cater to slightly different needs. Allianz provides a range of standard plans with decent COVID-19 coverage and 24/7 assistance, but customer service ratings are mixed and the claims process can be lengthy. Seven Corners excels in customizable plans with high medical expense coverage and a high claim satisfaction rate, but premiums can be high, and pre-existing conditions are generally excluded without a waiver. The best choice depends on individual priorities, such as budget, desired coverage levels, and the importance of customer service.
| Attribute | Allianz Travel Insurance | Seven Corners Travel Insurance |
|---|---|---|
| Coverage Options | Basic, Comprehensive, Domestic, and Multi-Trip plans; Trip cancellation, trip interruption, emergency medical expenses, lost or delayed baggage, and travel delays; Cruise, Snow, and Adventure activities add-ons | Customizable plans with options for adventure activities; core coverage includes emergency medical and dental, trip cancellation/interruption, lost/delayed baggage; specific plans for travel medical, trip protection, annual multi-trip, and evacuation; specialized plans for travelers, visitors, students & faculty, seniors, and outdoor enthusiasts; add-on options like CFAR and IFAR. |
| Maximum Coverage Amount (Trip Cancellation) | Up to the amount purchased, with a maximum of $100,000 | Up to 100% of trip costs; Trip Protection Basic has a maximum limit of $30,000. |
| Maximum Coverage Amount (Medical Expenses) | Can range from $50,000 to $200,000 or more. Some plans, like the Deluxe Package, include $1M of COVID-19 coverage. | Emergency accident and sickness medical expense coverage up to $500,000 on some plans; some plans offer medical maximums up to $1 million; for travelers 80+, the maximum might be limited to $10,000. |
| Pre-existing Condition Coverage | Available with medical assessment; Basic plan generally does not cover pre-existing conditions; Must purchase within a specific timeframe of initial trip payment | Generally excluded, but some plans offer a waiver if specific requirements are met (e.g., purchase within 20 days of initial trip payment and insuring all non-refundable trip costs); some plans offer acute onset coverage with age limitations; Trip Protection Annual Multi-Trip covers pre-existing conditions after 60 days. |
| Trip Interruption Coverage Details | Covers nonrefundable costs; Reimburses the unused, non-refundable portion of your trip and increased transportation costs; Coverage can be up to 150% of the amount purchased | Covers non-refundable, unused trip costs and additional costs to return home or rejoin the trip; Trip Protection Choice offers coverage up to 150% of the trip cost; IFAR upgrades provide reimbursement even if the reason is excluded. |
| Baggage Loss/Delay Coverage Details | Loss: Covers the cost of replacing personal effects; Delay: Reimburses reasonable expenses; Baggage Loss coverage can be up to $1,000 or $2,000, while delay coverage can be up to $300 or $600; Requires original receipts or police report | Reimbursement for lost or delayed baggage; Trip Protection Basic offers $500 for loss and $500 for delay; Trip Protection Choice provides $2,500 for loss and $500 for delay; RoundTrip Elite provides $2,500 for loss and $600 for delay. |
| 24/7 Assistance Services | Access to a global network of medical providers, assistance with travel and medical emergencies, help with lost documents, and support in case of legal issues; Contact via Allyz app or phone; Emergency contact numbers: +971 4 270 8705, Whatsapp: +971 56 216 4563, Email: assistance@nextcarehealth.com | 24/7 travel assistance via Seven Corners Assist, including help with finding local doctors, sorting out delayed flights, translating medical documents, lost passports, wiring money, and emergency evacuation. |
| Policy Exclusions | Pre-existing medical conditions, pandemics or epidemics, pregnancy or childbirth, suicide or attempted suicide, AIDS, expeditions, manual work, extreme sports, travel against medical advice, war, terror attacks, unrest, natural catastrophes, and incidents involving atomic, biological, or chemical substances; No cover if not following New Zealand government travel advice | Pre-existing conditions (unless waiver purchased), known storms, participation in sporting events, acts of war, dangerous activities, anything under the influence of drugs or alcohol; some policies do not cover trips to Cuba, Syrian Arab Republic, or Islamic Republic of Iran. |
| COVID-19 Coverage | Cancellation if you or your travel companion are positively diagnosed with COVID-19; Additional expenses related to changing your travel arrangements; Overseas medical and hospital expenses; Quarantine expenses; May be entitled to a full or partial premium refund if you can't travel or need to change your journey because of COVID-19 border closures or mandatory quarantine periods | Included in most plans, treated as any other new illness; can include medical expenses, trip interruption, and emergency medical evacuation; some plans may require specific conditions for trip cancellation. |
| Customer Service Ratings | Customer service ratings are mixed. One survey found that 81% of Allianz travel insurance customers were satisfied with customer service, which is below the average of 88%. | Mixed (Forbes: 87% satisfaction, Squaremouth: Before Trip 4.48/5, During Trip 3.94/5, During Claim 3.46/5). |
| Claims Process Efficiency | Claims process can be lengthy | 91% customer satisfaction (above average); some report claim delays and difficulties, others pleased with helpful and knowledgeable staff. |
| Price | The average cost of the OneTrip Prime plan was $361. | Not available |