Travel Insurance Comparison
Allianz Travel vs IMG
Side-by-side comparison of Allianz Travel vs IMG travel insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Allianz Travel edges ahead IMG in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Allianz Travel | IMG | |
|---|---|---|
| Overall score | 4.42 /5 ★★★★★ Highest overall | 4.32 /5 ★★★★★ |
| National rank | #3 | #4 |
| Avg. annual rate | Per trip Competitive | Per trip Mid-range |
| Avg. monthly | $28 per trip | $38 per trip |
| Best for | Allianz Travel is a global travel insurance brand with comprehensive coverage and annual multi-trip plans | IMG is an international travel insurance with strong medical coverage and specialty plans for expats and students |
| Read full review | Allianz Travel review → | IMG review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Allianz Travel | IMG |
|---|---|---|
| Customer experience | 4.70 · #3 | 4.55 · #4 |
| Coverage breadth | 4.70 · #3 | 4.55 · #4 |
| Affordability | 4.70 · #3 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Allianz Travel
Full review →Pros
- One of the largest travel insurers worldwide
- Annual multi-trip plans for frequent travelers
- AllyzTravel® mobile app for trip management and emergencies
- Strong financial strength rating
- 24/7 emergency assistance globally
Cons
- Pre-existing condition waivers have strict timing requirements
- Standard plans exclude some adventure activities
- Higher premiums for older travelers
- Customer service quality varies by claim type
IMG
Full review →Pros
- Specialty plans for expats, students, and missionaries
- Generous medical evacuation coverage limits
- Multi-trip and long-stay options
- Strong international medical network
- Solid options for travelers over 65
Cons
- Less focused on short-term domestic travel
- Customer service can vary by plan tier
- Marketing presence smaller than Allianz or Travelex
- Some restrictions on coverage for certain countries
Coverage at a glance
What each carrier offers in standard policies.
Allianz Travel
Allianz Travel offers a comprehensive coverage menu typical of major travel insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- AnnualPlan® — Coverage for unlimited trips in a 365-day period
- Cancel For Any Reason (CFAR) — Trip cancellation for any reason, including non-medical
- Rental Car Damage Protector — Damage and theft for rental cars
IMG
IMG offers a comprehensive coverage menu typical of major travel insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Patriot International — Travel medical for trips outside the US
- Global Medical Insurance — Long-term international health insurance for expats
- Student Health Advantage — Health insurance for students studying abroad
The bottom line
Allianz Travel
Allianz Travel earns an overall score of 4.42/5 in QuoteYeti's travel insurance provider rankings. The carrier ranks #3 nationally, with particular strength in affordability.
Allianz Travel is best suited for travelers who want a balance of price and service from an established carrier. Pre-existing condition waivers have strict timing requirements is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
IMG
IMG earns an overall score of 4.32/5 in QuoteYeti's travel insurance provider rankings. The carrier ranks #4 nationally, with particular strength in specific specialty areas.
IMG is best suited for travelers who want a balance of price and service from an established carrier. Less focused on short-term domestic travel is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.