Allianz travel insurance in 60 seconds
Allianz Travel Insurance at a glance (2026)
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Allianz travel insurance cover and tiers in 2026
Allianz Travel UK is the consumer brand of AWP Assistance UK Ltd (trading as Allianz Partners), the group's worldwide travel insurance and assistance arm. UK policies are underwritten by AWP P&C SA, regulated by the FCA. The 2026 line-up restructured the old Bronze/Silver/Gold ladder into three modern tiers: Silver, Gold and Platinum, all available as single-trip, annual multi-trip or backpacker (single-trip up to 18 months for travellers under 65).
Family policies include children under 18 free of charge when travelling with at least one insured adult. Single-trip is capped at 365 days; annual multi-trip caps each trip at 31 days (Silver/Gold) or 45 days (Platinum), with unlimited trips in 12 months. Cruise, winter sports, golf and business travel can be added as bolt-ons; some are included on Platinum as standard.
The Allianz travel insurance product range
Allianz Silver
Entry tier with £5m medical, £1,500 cancellation and £1,000 baggage. Good for short, low-cost European trips where you do not need premium add-ons.
- Medical to £5m.
- Cancellation to £1,500.
- £100 excess per claim.
Allianz Gold
Mid tier: £10m medical, £3,000 cancellation, £1,500 baggage and £3,000 travel disruption. Defaqto rate it 4 stars and it is the standard pick for European city breaks.
- Medical to £10m.
- Cancellation to £3,000.
- Defaqto 4 stars.
Allianz Platinum
Top tier: £25m medical, £7,500 cancellation, £2,500 baggage and gadget cover to £1,500. Defaqto 5 stars, ideal for the USA, Caribbean and long-haul cruise.
- Medical to £25m.
- Gadget cover to £1,500.
- Defaqto 5 stars.
Annual Multi-trip
Unlimited trips for 12 months at any of the three tiers. Each trip capped at 31 days (Silver/Gold) or 45 days (Platinum). Best value from three trips a year.
- Unlimited trips per year.
- Single excess across the year.
- Worth it from 3+ trips.
Backpacker
Single trip up to 18 months for travellers under 65, with cover for casual work abroad, low-altitude trekking and home visits without invalidating cover.
- Up to 18 months.
- Casual work covered.
- Two home visits allowed.
Winter Sports / Cruise
Winter sports adds ski equipment, piste closure and avalanche cover. Cruise adds missed port, cabin confinement and formal wear loss. Included on Platinum, paid add-on on Silver/Gold.
- Winter sports up to 17 days.
- Cruise missed-port cover.
- Free on Platinum.
Silver vs Gold vs Platinum: cover limits
| Section | Silver | Gold | Platinum |
|---|---|---|---|
| Emergency medical & repatriation | £5m | £10m | £25m |
| Hospital benefit | £300 | £500 | £1,000 |
| Emergency dental | £350 | £500 | £750 |
| Personal liability | £1m | £2m | £2m |
| Cancellation & curtailment | £1,500 | £3,000 | £7,500 |
| Travel disruption | No cover | £3,000 | £5,000 |
| Baggage | £1,000 | £1,500 | £2,500 |
| Single-item limit (baggage) | £200 | £300 | £500 |
| Gadget cover (phone, laptop, camera) | Add-on | £750 | £1,500 |
| Missed departure | £500 | £750 | £1,500 |
| Loss of passport | £250 | £500 | £750 |
| Winter sports / cruise | Add-on | Add-on | Included |
| Excess per section | £100 | £75 | £50 |
Source: Allianz Travel UK Insurance Product Information Documents (IPIDs), 2026.
Watch the per-section excessesAllianz applies a separate excess to each section, each person, each claim. A couple whose bags are stolen while one is injured can end up paying four separate excesses, so the headline excess number under-states what you actually pay. Platinum's £50 keeps this in check.
Optional add-ons
- Winter sports: skiing, snowboarding, piste closure and ski equipment cover. Free on Platinum, paid on Silver/Gold.
- Cruise pack: missed port, cabin confinement, formal wear and unused excursion cover. Free on Platinum.
- Hazardous activities: covers high-altitude trekking, scuba to 30 m, bungee jumping and more activities normally excluded as standard.
- Excess waiver: removes the per-section excess from Silver and Gold policies.
- Business travel: covers laptops, business equipment and replacement staff costs while abroad.
Pre-existing conditionsAllianz Travel UK accepts declared pre-existing medical conditions on single-trip, annual multi-trip and backpacker policies, including diabetes, mild asthma and treated hypertension. Declaration is mandatory at quote, undeclared conditions invalidate the policy.
Allianz travel insurance prices in 2026
Travel insurance premiums are based on age, destination, trip length and any pre-existing medical conditions. Allianz prices are broadly mid-market in 2026: very competitive on Platinum thanks to the included winter sports and cruise extensions, slightly above average on Silver. Indicative annual multi-trip quotes for a 35-year-old with no medical conditions:
| Policy | UK average | Allianz quote | Comment |
|---|---|---|---|
| Annual Silver, Europe | £42 | £46 | Slightly above average |
| Annual Gold, Europe | £78 | £82 | Mid-pack |
| Annual Platinum, Europe | £115 | £118 | Includes winter sports & cruise |
| Annual Platinum, Worldwide ex USA/Canada | £162 | £155 | Strong value vs peer Platinum tiers |
| Single-trip Platinum, 2 weeks USA | £72 | £75 | Useful for the £25m medical limit |
| Backpacker, 12 months Asia/Australasia | £460 | £435 | Includes casual work cover |
Source: ABI Travel Insurance Premium Tracker Q1 2026 + Selectra quote tests on allianz-assistance.co.uk, 35-year-old, no medical conditions, May 2026. Personal quotes will vary with age and medical history.
If you book travel insurance through a TopCashback or Quidco link, you can typically recoup an additional 5–15% on Allianz Travel UK. Cashback is paid after the cooling-off period ends, so the policy must be live.
Allianz travel insurance cancellation policy
Allianz Travel UK applies a 14-day cooling-off period from the date you receive your documents. Within that window the full premium is refunded provided you have not travelled and no claim has occurred. The rules differ slightly between single-trip and annual multi-trip cover.
- Single-trip can be cancelled up to the day before travel for a full refund; from the day cover begins, no refund.
- Annual multi-trip can be cancelled within 14 days for a full refund; after 14 days, no refund.
- Backpacker follows the single-trip rule, plus you can cut the policy short on return to the UK without refund.
- Cancellation must be confirmed by phone on 020 8603 9653 or in writing to AWP Assistance UK Ltd at the Croydon address.
Allianz travel insurance customer service
Allianz uses different phone lines depending on what you need. The emergency assistance number is the one to programme into your phone before you fly, it is the only line that operates 24/7 worldwide.
Contact Allianz Travel by phone
Emergency assistance abroad
Medical & repatriation, 24/7
+44 (0)20 8666 9230
24/7 worldwide
Top lineTravel insurance quotes
New policy enquiries
020 8603 9653
Mon–Fri 09:00–17:00
Top lineMake a claim (post-trip)
Baggage, cancellation, expenses
020 8603 9958
Mon–Fri 09:00–17:00
Existing policy changes
Amend dates, names, cover
020 8603 9653
Mon–Fri 09:00–17:00
Medical screening
Pre-existing conditions
020 8686 2050
Mon–Fri 09:00–17:00
Legal helpline (abroad)
Allianz legal advice
020 8603 9804
24/7 worldwide
Petplan (pet travel cover)
Allianz pet brand
0345 077 1934
Mon–Fri 08:00–20:00
Complaints
Customer relations
020 8603 9958
Mon–Fri 09:00–17:00
Postal correspondence
AWP Assistance UK Ltd
PO Box 451
Croydon CR9 3AS
Information to have ready before you call
- Your full name, policy number and the date the incident occurred.
- A copy of your policy schedule and the IPID for your tier.
- For medical claims: name and contact details of the treating hospital and any local doctor.
- For baggage or theft claims: a police report or property irregularity report (PIR) from the airline.
- For cancellation: written proof of why you cannot travel (doctor's note, employer's letter, FCDO advice page).
Allianz travel insurance reviews and ratings
Industry bodies rate Allianz Travel UK highly on cover quality, particularly the Platinum tier. Customer scores on Trustpilot trail the industry-rater scores, with the usual mix of fast positive claims experiences and frustration on documentation requests and renewal pricing.
| Source | Silver | Gold | Platinum |
|---|---|---|---|
| Defaqto 2026 | 3 stars | 4 stars | 5 stars |
| Fairer Finance 2026 | 2 stars | 4 stars | 5 stars |
| Which? 2025 survey | 3/5 overall (consumer panel) | ||
| Trustpilot Allianz Travel UK | 3.5/5 (4,200+ reviews) | ||
| Feefo Allianz Assistance | 4.5/5 (980+ reviews) | ||
Sources: Defaqto and Fairer Finance public ratings 2026, Which? consumer survey 2025, Trustpilot and Feefo May 2026.
What customers like
- Defaqto and Fairer Finance 5 stars for Platinum, £25m medical limit is one of the highest on the UK market.
- Free children's cover on family policies is unusual at this price point.
- Pre-existing medical screening is fast and reasonably priced compared with specialist medical travel insurers.
- Emergency assistance team at +44 (0)20 8666 9230 has decades of operational experience through Allianz Partners.
Common criticism
- Silver tier rates only 2–3 stars from industry raters, the price gap to Gold is small so Gold is normally the better buy.
- Per-section excesses can stack up in a single incident, the effective excess is higher than the headline number.
- Claim documentation requests, customers report having to re-send receipts and proofs of ownership on baggage claims.
- Trustpilot complaints centre on flight-delay payouts being lower than expected once contractual deductibles are applied.
Selectra's verdict on Allianz travel insurance in 2026
Strengths: top-rated Platinum tier (Defaqto 5 stars, Fairer Finance 5 stars), a £25m medical limit that beats most peers, free children's cover on family policies, included winter sports and cruise on Platinum, and a global emergency assistance network through Allianz Partners.
Weaknesses: Silver tier is poor value (skip it), per-section excesses can stack, single-item limits below £500 won't cover a high-end laptop or camera (you may need a specialist gadget insurer alongside).
Allianz Platinum is one of the best comprehensive travel insurance policies on the UK market in 2026, particularly for USA, Caribbean and cruise trips where the £25m medical limit matters. For European city breaks the Gold tier offers good value. Compare against AA, Aviva and LV in our independent UK insurance providers guide.
Allianz travel insurance FAQ
Allianz Travel UK policies are arranged by AWP Assistance UK Ltd (trading as Allianz Partners) and underwritten by AWP P&C SA, an Allianz group company. Both are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. The 24/7 emergency assistance line is operated by the same group.
Call +44 (0)20 8666 9230, available 24/7 from anywhere in the world. The team can authorise hospital treatment, arrange repatriation, find replacement passports and liaise with airlines on flight changes. Save the number in your phone before you fly.
Yes. All three tiers cover emergency medical treatment overseas, repatriation costs and accommodation if you test positive for Covid-19 abroad. Cancellation cover includes positive Covid tests within 14 days of departure, but does not cover changes in FCDO travel advice or government restrictions, the standard market position since 2023.
Winter sports and cruise are included as standard on Platinum and available as paid add-ons on Silver and Gold. Winter sports covers up to 17 days of skiing or snowboarding per year, ski equipment, piste closure and pre-paid ski pass losses. Cruise adds missed port, cabin confinement and unused excursion cover for ocean and river cruises.
Yes, on single-trip, annual multi-trip and backpacker policies. Declaration is mandatory at quote, undeclared conditions invalidate the policy. Common conditions like mild asthma, treated hypertension, type 2 diabetes and depression are usually accepted. Cancer, severe heart conditions and recent strokes attract a higher premium, occasionally a referral to a specialist medical insurer.
For annual multi-trip, call 020 8603 9653 within the 14-day cooling-off period for a full refund, provided you have not travelled and have not made a claim; after 14 days, no refund. For single-trip, you can cancel free up to the day before travel, no refund once cover begins. Cancellation must be confirmed by phone or in writing.