Allianz Travel (US) eligibility rules
Mainstream muscle for US residents who plan ahead. Every row below is taken from Allianz Travel (US)'s own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | US residents only on this storefront; other countries via separate Allianz sites. | verified |
| No fixed country of residence | No | US residency required. | verified |
| Buying after you have left home | No | No mid-trip purchase path; cancellation benefits require pre-departure purchase. | partly |
| Maximum age | No stated cap | No maximum age published. | partly |
| One-way and open-ended trips | No | Trip-based products built around a return. | partly |
| Longest trip | 180 days | OneTrip Emergency Medical up to 180 days; annual plans 45–90 days per trip. | verified |
| Pre-existing conditions | With conditions | Waiver if purchased within 14 days of first trip payment (conditions apply). | verified |
| Cover in the USA | Yes | Domestic and international trips for US residents. | verified |
| Schengen visa certificate | No | US plans not sold as Schengen-visa products. | partly |
| Winter sports | With conditions | High-risk sports generally excluded; varies by plan/state. | low |
| Scuba diving | With conditions | Varies by plan/state. | low |
| High-altitude trekking | With conditions | Varies by plan/state. | low |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | No | Not covered/marketed. | partly |
| Trip cancellation | Yes | Core strength; CFAR on higher tiers. | verified |
| Families | Yes | Kids ≤17 free on OneTrip Prime/Premier; household annual plans. | verified |
Who underwrites it
Jefferson Insurance Co. (NY) / BCS Insurance Co. (OH). The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Allianz Travel (US). That is disclosed on every link, and it never changes where they appear or in what order. Tiered to 12% per sale (typ. $12–25); 45-day cookie (reported).
Sources: allianztravelinsurance.com, partner.allianztravelinsurance.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.