June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
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The OneTrip Premier Plan is, quite simply, the best travel insurance plan offered by Allianz Global Assistance. But it may not be the best travel insurance plan for every traveler.
You might not need $50,000 in emergency medical coverage, for instance, or $1 million in emergency medical transportation. It all depends on your destination, your health and your unique needs. Here are in-depth travel insurance reviews for both OneTrip Premier and OneTrip Prime so you can compare and choose the right one.
Here's the upshot: Both plans give you robust coverage for all crucial travel eventualities, including trip interruption and cancellation, travel and baggage delays, emergency medical and dental coverage and emergency medical transportation. In general, the OneTrip Premier Plan doubles the coverage of the OneTrip Prime Plan for most post-departure benefits.
Benefit | What it Does | OneTrip Prime | OneTrip Premier |
| Trip cancellation protection | Reimburses non-refundable trip payments when you have to cancel your trip for a covered reason | Up to amount purchased ($100,000 maximum) | Up to amount purchased ($100,000 maximum) |
| Trip interruption protection | Reimburses non-refundable trip payments when you have to interrupt your trip for a covered reason | Up to 150% of amount purchased | Up to 150% of amount purchased |
| Emergency medical and dental coverage | Reimburses covered losses due to covered medical/dental emergencies | Up to $50,000 | Up to $50,000 |
| Emergency medical transportation benefits | Covers medically necessary transportation to a medical facility and/or your home following a covered injury or illness | Up to $500,000 | Up to $1,000,000 |
| Baggage coverage | Reimburses you if your bags get damaged, lost or stolen | Up to $1,000 | Up to $2,000 |
| Baggage delay coverage | Reimburses you for essential purchases if your luggage is delayed at least 24 hours | Up to $300 | Up to $600 |
| Travel delay coverage | Reimburses you for reasonable meals, accommodations and lost prepaid expenses if your trip is delayed at least six hours | Up to $800 ($200 daily limit) | Up to $1,600 ($200 daily limit) |
The biggest difference, as you can see, is in the level of coverage for medical emergencies. Both plans cover you for financial default, in case your tour operator or cruise line goes out of business. Both also include access to a 24-hour hotline you can call for assistance anywhere in the world.
If the OneTrip Prime Plan is a cozy weather-proof jacket, the OneTrip Premier Plan is a coat warm enough for an Arctic expedition. Which one should you take on your next trip? Here are four things to consider.
Whichever plan you choose, you know you're well protected. Both the OneTrip Prime and OneTrip Premier Plan are highly rated in travel insurance reviews. On InsureMyTrip, 98 percent of customers said they'd recommend the OneTrip Prime Plan to a friend; 100 percent said they'd recommend the OneTrip Premier Plan.2
As always, read your policy documents carefully so you understand what's covered by your travel insurance plan. Need help figuring out which plan is best for your next trip? Call our travel insurance advisers at 1-866-884-3556. Safe travels!
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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.
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