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When it comes to traveling, having the right insurance can be a lifesaver. Not only does it give you peace of mind, but it can also protect you from unexpected incidents like medical emergencies, trip cancellations, lost luggage, and more. Two of the biggest travel insurance providers in the market are Allianz Travel Insurance and World Nomads. In this article, we’ll compare the two and help you decide which one is the best for your travel needs.
Who are Allianz Travel Insurance and World Nomads?
Allianz Travel Insurance is a subsidiary of Allianz SE, which is one of the largest insurance companies in the world. Allianz Travel Insurance provides coverage for a wide range of travel-related issues, including trip cancellation, emergency medical treatment, lost or stolen luggage, and more.
World Nomads, on the other hand, is a travel insurance provider specifically for travelers who are on the move. They offer policies for adventure travelers, backpackers, and digital nomads, among others. World Nomads provides coverage for a wide range of issues, including trip cancellation, medical treatment, emergency evacuation, and more.
Coverage
One of the most important things to consider when choosing your travel insurance provider is coverage. Allianz Travel Insurance and World Nomads both offer a range of coverage options, but there are some differences between the two.
Allianz Travel Insurance offers coverage for trip cancellation, interruption, and delay, emergency medical and dental treatment, baggage loss or delay, travel accident, rental car damage, and more. They also offer coverage for pre-existing medical conditions, but you have to purchase their “Allianz Assistance” plan to be eligible.
World Nomads covers many of the same issues as Allianz, including trip cancellation and interruption, medical expenses, and baggage loss. However, they also offer coverage for adventure activities like bungee jumping, scuba diving, and more. They also offer coverage for cancelled plans due to political unrest or natural disasters.
Cost
Cost is another important factor to consider when choosing your travel insurance provider. Allianz and World Nomads both offer competitive rates, but there are some differences between the two.
Allianz Travel Insurance costs vary depending on the coverage you choose, the length of your trip, and other factors like age and destination. They also offer a “cancel for any reason” upgrade at an additional cost. Overall, their prices are generally higher than World Nomads.
World Nomads offers affordable rates that vary depending on the type of coverage you choose, your age, and your destination. They also offer an “Explorer Plan” that provides extra coverage for adventure activities, which can be a bit more expensive. Overall, their prices are generally lower than Allianz.
Customer Service
When traveling, it’s important to have access to reliable customer service in case of emergencies or issues with your policy. Both Allianz Travel Insurance and World Nomads offer customer service, but there are some differences between the two.
Allianz Travel Insurance has a 24/7 customer service hotline that you can call if you need assistance while traveling. They also have an online portal where you can manage your policy and file claims. However, some customers have reported long wait times on the phone and slow claim processing.
World Nomads also has a 24/7 customer service hotline, as well as an online portal where you can manage your policy and file claims. They also have a blog and travel safety resources to help you stay safe while traveling. However, some customers have reported difficulty getting ahold of customer service representatives during emergencies.
Conclusion
So which travel insurance provider is the best for you? It ultimately depends on your specific needs and preferences. Allianz Travel Insurance is a great option if you’re looking for comprehensive coverage and don’t mind paying a bit more for it. World Nomads is a great option if you’re on a budget and looking for affordable coverage that’s tailored to adventure travelers.
Whichever provider you choose, make sure to read the policy details carefully and understand what’s covered and what’s not. This will help you avoid any surprises and give you peace of mind while traveling.
| Question | Allianz Travel Insurance | World Nomads |
|---|---|---|
| What types of coverage do they offer? | Trip cancellation, interruption, and delay; emergency medical and dental treatment; baggage loss or delay; travel accident; rental car damage, and more. | Trip cancellation and interruption, medical expenses, baggage loss, adventure activities, cancelled plans due to political unrest or natural disasters, and more. |
| How much does it cost? | Costs vary depending on the coverage you choose, the length of your trip, and other factors like age and destination. They offer a “cancel for any reason” upgrade at an additional cost. Generally more expensive than World Nomads. | Affordable rates that vary depending on the type of coverage you choose, your age, and your destination. They offer an “Explorer Plan” that provides extra coverage for adventure activities, which can be more expensive. Generally less expensive than Allianz. |
| What is their customer service like? | 24/7 customer service hotline, online portal to manage policy and file claims. Some customers have reported long wait times on the phone and slow claim processing. | 24/7 customer service hotline, online portal to manage policy and file claims, blog and travel safety resources. Some customers have reported difficulty getting ahold of customer service representatives during emergencies. |