Best Travel Insurance for Americans (2026)
Allianz plans for US residents traveling abroad — high medical limits where your domestic plan won't follow.
Most US health insurance stops at the border, and Medicare doesn't cover hospital bills overseas. American travelers need a standalone travel policy with strong medical, evacuation, and trip protection. We compared Allianz OneTrip plans for the trips Americans take most: Europe, Mexico, the Caribbean, and Asia.
Top 3 plans for Americans
Compare independently ranked plans across providers — click any card to get a real-time quote.
OneTrip Basic
Budget cover for American travelers
- Medical
- USD 50,000
- Cancel
- USD 3,000
- Baggage
- USD 500
- ✓24/7 global assistance
- ✓Trip interruption
- ✓Baggage delay
OneTrip Prime
Best-selling Allianz plan for Americans
- Medical
- USD 500,000
- Cancel
- USD 10,000
- Baggage
- USD 1,500
- ✓Kids 17 & under free
- ✓Emergency evac USD 1M
- ✓SmartBenefits auto-payout
OneTrip Premier
Top-tier for international road trips & adventure
- Medical
- USD 1,000,000
- Cancel
- USD 25,000
- Baggage
- USD 2,500
- ✓Preexisting condition waiver
- ✓Emergency evac USD 1M+
- ✓Concierge & change fee cover
Side-by-side comparison
Coverage, exclusions, add-ons and pricing at a glance.
| Compare | Top pick OneTrip Basic by Allianz | OneTrip Prime by Allianz | OneTrip Premier by Allianz |
|---|---|---|---|
| Provider | |||
| Best for | Short business trips & city breaks | Families & 1–3 week trips | Adventure trips & premium travelers |
| Price | from $42/trip | from $95/trip | from $165/trip |
| Medical cover | USD 50,000 | USD 500,000 | USD 1,000,000 |
| Trip cancellation | USD 3,000 | USD 10,000 | USD 25,000 |
| Baggage | USD 500 | USD 1,500 | USD 2,500 |
| Coverage highlights |
|
|
|
| Exclusions |
|
|
|
| Optional add-ons |
|
|
|
| Get quote → | Get quote → | Get quote → |
What to watch for in Americans
These are the exclusions and gotchas we see rejected most often in claims from Americans.
- 1Confirm your US health plan has no foreign emergency benefit — most don't, and Medicare has virtually none.
- 2Adventure trips (Patagonia, Costa Rica, Alps) need an adventure sports rider on standard Allianz plans.
- 3Hurricane-season Caribbean cruises need Trip Interruption + Missed Connection cover.
Ready to plan your Americans trip?
Compare insurance plans above, then head over to our partner MileAsia for your Americans trip.
Read MileAsia travel guides →Frequently asked
Does my US health insurance cover me abroad?+
Usually not for hospital bills, and Medicare has almost no overseas coverage. Travel insurance is the only way to avoid paying out of pocket for foreign medical care.
Does Allianz offer direct billing with foreign hospitals?+
Allianz has a large global direct-billing network. In-network hospitals bill Allianz directly so you don't front the cost — always call the 24/7 assistance line first.