Insurance · Travel insurance review
Allianz Global Assistance review
A $10-million plan with no published age ceiling — but travellers 65 and over face a longer 150-day stability window and a required medical questionnaire.
Best for: Older snowbirds who want a high coverage cap and don’t mind getting a quote by phone.
Pros
- $10 million emergency-medical maximum on retail plans
- No stated age limit on the retail seniors plans
- Single trips up to 365 days, plus annual multi-trip options
- Optional deductible up to $500 lowers the premium
- Strong senior benefits: repatriation, bedside visit, private nurse
Cons
- Travellers 65+ must complete a medical questionnaire (quote by phone, not instant)
- 150-day stability window at 65+ is longer than Manulife’s or MEDOC’s 90 days
- You must call before treatment or reimbursement can be cut by 30%
- Don’t confuse the retail plan with the airline-distributed $5M certificate (age ≤64 only)
Coverage and plans
Allianz’s retail plans carry a $10 million emergency-medical maximum and come as single-trip (up to 365 days) or annual multi-trip with per-trip caps of 4, 8, 15 or 35 days. Coverage is secondary — it pays in excess of any other plan you hold — and an optional deductible up to $500 trims the premium.
One caution: the policy wording that circulates most widely is the airline-distributed "Classic" certificate, which is a different product ($5 million, age 64 or younger). Snowbirds 65+ should be quoted on the retail seniors plan, not that certificate.
The 65+ stability window
Allianz markets to travellers 60 and older, but the underwriting tightens at 65: a medical questionnaire is required and the pre-existing stability window is 150 days rather than the 90 days that applies under 65. That’s more demanding than Manulife’s, MEDOC’s or RBC’s shortest windows, so if your conditions changed in the last few months, read the stability clause carefully before buying.
Frequently asked questions
What does Allianz Global Assistance travel insurance cover, and how much?
Emergency medical coverage: $10 million (retail emergency-medical plans). Deductible: Optional deductible up to $500 (lowers premium). COVID-19: Emergency medical covered if no Government of Canada Level 3/4 COVID advisory for the destination at the policy effective date. Verified on June 13, 2026 — compare all providers on our snowbird travel insurance comparison.
Can I get Allianz Global Assistance with a pre-existing condition?
Allianz Global Assistance uses a stability window of 150 days if 65+; 90 days if under 65; medical questionnaire: Required at 65+ (quote by phone). The stability clause is the most common reason snowbird claims are denied — see our snowbird guide and confirm your conditions are covered in writing.
Who handles Allianz Global Assistance's emergency assistance?
Issue age: No stated age limit on retail plans. Trip length: Single trip up to 365 days; annual multi-trip with 4/8/15/35-day per-trip caps. 24/7 assistance: Allianz Global Assistance (AZGA Service Canada Inc.).
The bottom line
Allianz is a solid high-coverage choice with no published age cap and good senior benefits, but the 150-day stability window at 65+ makes it less forgiving than some rivals. Get the retail (not airline) plan quoted by phone, and confirm your conditions are covered in writing.
- The 150/90-day stability split and "no age limit" are confirmed on the seniors marketing page; the policy-wording PDF located is the airline-distributed Classic certificate ($5M, age ≤64, 90-day). Confirm the current RETAIL policy-wording PDF before publishing exact stability/age terms.
- Confirm whether the COVID epidemic/pandemic exclusion in the older certificate still appears in the current retail wording.
- Province-specific eligibility (e.g. Quebec rules) and any very-high-age (80+) restrictions not confirmed on a primary source.
Compare Allianz Global Assistance against the field
See all the major providers side by side, with sources.
This review is for educational purposes only and is not insurance advice. The facts shown were taken from Allianz Global Assistance's own materials and the rating agencies and verified on June 13, 2026; they vary by product and change without notice. Our editorial rating is never paid for. Premiums are individually quoted. Read the actual policy wording and speak with a licensed advisor before buying. See our methodology.