Is Allianz Health Insurance Worth It? A 2025 Canadian Review
Our expert's review of Allianz
ScoreAllianz offers a wide range of health insurance coverage in Canada, with customizable plans including options for dental, vision, maternity, mental health, and specialist care. The policy structure allows members to tailor deductibles, co-payments, and coverage limits based on individual needs.
However, the plans require careful scrutiny of the Table of Benefits, as core inclusions and reimbursement ceilings depend heavily on the selected scheme. Allianz stands out for its comprehensive benefit set, modern digital tools, and worldwide assistance services, positioning itself among premium international providers; however, pricing details are not transparent and can be higher than many local competitors.
Allianz is one of the world's largest insurers, with strong global revenues exceeding 140 billion euros in 2023 and recognized financial stability. For Canadian residents, Allianz is best suited to expatriates, highly mobile professionals, or families seeking international coverage beyond standard Canadian options. Despite this, Trustpilot reviews show a low customer satisfaction score (1.3/5 from 68 reviews), mainly concerning claims management and customer service.
Average claims reimbursement timelines are not specified, and digital service reliability appears inconsistent. Allianz remains a robust and reputable provider, but prospective clients should weigh the Canadian market's specific service issues before subscribing.
- ✅Extensive international coverage
- ✅Broad range of customizable plan options
- ✅24/7 multilingual helpline
- ✅Comprehensive digital health management tools
- ✅Support for maternity, dental, vision, mental health
- ✅Strong financial stability and global presence
- ✅Preventive and wellness benefits included
- ❌Low customer satisfaction on Trustpilot
- ❌Complex claims process reported
- ❌Some digital tools unreliable
- ❌Policy details not fully transparent or clear
- ❌Pricing information unavailable upfront
Score- ✅Extensive international coverage
- ✅Broad range of customizable plan options
- ✅24/7 multilingual helpline
- ✅Comprehensive digital health management tools
- ✅Support for maternity, dental, vision, mental health
- ✅Strong financial stability and global presence
- ✅Preventive and wellness benefits included
Our expert's review of Allianz
- ✅Extensive international coverage
- ✅Broad range of customizable plan options
- ✅24/7 multilingual helpline
- ✅Comprehensive digital health management tools
- ✅Support for maternity, dental, vision, mental health
- ✅Strong financial stability and global presence
- ✅Preventive and wellness benefits included
- ❌Low customer satisfaction on Trustpilot
- ❌Complex claims process reported
- ❌Some digital tools unreliable
- ❌Policy details not fully transparent or clear
- ❌Pricing information unavailable upfront
Score- ✅Extensive international coverage
- ✅Broad range of customizable plan options
- ✅24/7 multilingual helpline
- ✅Comprehensive digital health management tools
- ✅Support for maternity, dental, vision, mental health
- ✅Strong financial stability and global presence
- ✅Preventive and wellness benefits included
Why trust HelloSafe?
HelloSafe is an international health insurance expert, supporting over a million users every month in making their coverage choices. Our specialists have evaluated the offers of 48 insurers in Canada, with an in-depth analysis of their coverage, rates and quality of service.
What does Allianz health insurance cover?
Allianz offers several modular health insurance plans, with coverage levels set by plan selection, including important features such as full medical underwriting for pre-existing conditions, capped annual limits, and comprehensive cancer, maternity, and preventive care. Typically, coverage includes private hospital rooms, outpatient care, dental, vision, mental health, and emergency evacuation.
Plans are flexible on deductibles and co-payments, allowing members to adjust costs. Preventive care and digital tools (telehealth, wellness app) add value. Allianz stands out for depth of child and family benefits, but coverage is selective depending on plan, and exclusions apply to experimental treatments, some pre-existing conditions, and extreme sports. Gaps can also appear around certain mental health and chronic condition claims.
Routine medical care
| Benefits | RAMQ | International Health - Base Plan | International Health - Enhanced Plan |
|---|---|---|---|
| Prescription drugs | 68% Monthly deductible: $22 Monthly cap: $99.65 | 80% Annual deductible: $150 Plan cap: $5,000/year | 90% Annual deductible: $150 Plan cap: $10,000/year |
| Hospitalization | 100% Standard room (3+ beds) | 100% Private room Max: 90 days/illness | 100% Private room Max: 180 days/illness |
| Ambulance transport | 0% (Except certain criteria) | 100% Max: $1,500/year | 100% Max: $5,000/year |
| Homecare | 0% (Except medication and equipment) | 80% Max: $2,000/year | 90% Max: $3,000/year |
| Laboratory tests | 0% (Unless performed in a public facility) | 100% Max: $500/year | 100% Max: $1,000/year |
Monthly deductible: $22
Monthly cap: $99.65
Annual deductible: $150
Plan cap: $5,000/year
Annual deductible: $150
Plan cap: $10,000/year
Standard room (3+ beds)
Private room
Max: 90 days/illness
Private room
Max: 180 days/illness
(Except certain criteria)
Max: $1,500/year
Max: $5,000/year
(Except medication and equipment)
Max: $2,000/year
Max: $3,000/year
(Unless performed in a public facility)
Max: $500/year
Max: $1,000/year
Dental care
| Guarantee | RAMQ | International Health - Base Plan | International Health - Enhanced Plan |
|---|---|---|---|
| Preventive and routine dental care | Not covered | 80% reimbursement Annual max: $500 | 90% reimbursement Annual max: $1,000 |
| Basic dental care | Not covered | 80% reimbursement Annual max: $750 | 90% reimbursement Annual max: $1,500 |
| Major dental care | Not covered | 50% reimbursement Annual max: $1,000 | 75% reimbursement Annual max: $2,000 |
| Orthodontics | Not covered | 50% reimbursement Lifetime max: $1,500 (children) | 75% reimbursement Lifetime max: $3,000 (children) |
Annual max: $500
Annual max: $1,000
Annual max: $750
Annual max: $1,500
Annual max: $1,000
Annual max: $2,000
Lifetime max: $1,500 (children)
Lifetime max: $3,000 (children)
Vision care
| Guarantee | RAMQ | International Health - Base Plan | International Health - Enhanced Plan |
|---|---|---|---|
| Glasses, lenses, eye surgery | Not covered except under specific condition | 75% reimbursement, max. $200/year for glasses/lenses Laser eye surgery: $1,000/lifetime | 90% reimbursement, max. $400/year for glasses/lenses Laser eye surgery: $2,000/lifetime |
| Optometrist consultation | 100% for <18 years, not covered for adults | 100% reimbursement, max. $100/year | 100% reimbursement, max. $200/year |
Laser eye surgery: $1,000/lifetime
Laser eye surgery: $2,000/lifetime
Specialized and paramedical care
| Guarantee | RAMQ | International Health - Base Plan | International Health - Enhanced Plan |
|---|---|---|---|
| Complementary medicine | Not covered | 80% reimbursement, $500/year, $50 max per consult | 90% reimbursement, $1,000/year, $70 max per consult |
| Psychologist | Not covered | 80% reimbursement, $1,000/year, $100 max per consult | 90% reimbursement, $2,000/year, $150 max per consult |
| Speech therapy (orthophonie) | Not covered except specific for children | 80% reimbursement, $500/year, $50 max per consult | 90% reimbursement, $1,000/year, $70 max per consult |
| Travel insurance | Covered only for some emergencies in Canada | Emergency medical, max. $1M/year, 60 days/trip | Emergency medical, max. $2M/year, 90 days/trip |
What is the cost of Allianz health insurance in 2025?
Here's an overview of Allianz's health insurance cost:
| Type of coverage (household composition) | Formula 1 | Formula 2 |
|---|---|---|
| Individual (1 insured) | About $90/month | About $155/month |
| Couple (2 insured) | About $175/month | About $305/month |
| Single-parent family (1 adult + 2 children) | About $175/month | About $310/month |
| Family (2 adults + 2 children) | About $255/month | About $420/month |
*These rates are indicative only. Actual premiums may differ depending on your situation and the options you choose*.
Compare the best health insurance offers for freeDiscover offersIs Allianz health insurance accessible to newcomers?
Allianz health insurance is suitable for new arrivals, foreign workers, expatriates, international students and visitors in Canada. This coverage is particularly relevant during the waiting period before accessing the public health system or for those who are not eligible for provincial coverage upon arrival. The contract is designed to provide broad financial protection and access to necessary healthcare while navigating the Canadian system for the first time.
Main benefits commonly offered include:
- Medical care: Covers consultations, exams and hospital stays for illness or injury. For example, specialist visits and standard room accommodation in case of hospitalisation are included up to the annual plan limit, often several hundred thousand dollars.
- Prescribed care: Covers prescription drugs, laboratory tests (like blood work), and diagnostic imaging ordered by a physician. The amounts covered depend on the selected plan and may require a deductible or copayment.
- Specialized care: Includes specialist consultations (e.g., pediatrician, dermatologist), prescribed physical therapy, and sometimes mental health support. For certain treatments, prior authorisation may be required for reimbursement.
- Emergency dental care: Dental treatment is usually limited to accidents or acute pain, for example, coverage for emergency treatment if a tooth is knocked out or broken in an accident; routine dental checkups are generally excluded.
- Medical transportation: Ambulance costs are covered for emergency transport to the nearest medical facility, and some plans also include evacuation or repatriation in case of serious illness or accident that cannot be treated locally.
- Additional expenses (hospitalisation or death): May cover daily costs during hospitalisation (such as a private or semi-private room), as well as lump-sum payments for accidental death or coverage of repatriation of remains. Some plans may also include limited coverage for family accommodation if a child is hospitalised.
The duration of coverage typically ranges from a few months up to one year, renewable in some cases if you remain eligible. There may be conditions such as a maximum age limit (often up to 65 or 70), a requirement to be in Canada with proper immigration status, and sometimes a mandatory minimum period of stay.
Travel outside Canada during the policy period may reduce or suspend coverage, except in emergency and only for short trips (usually up to 6 weeks). Applicants must generally apply before arrival or shortly after and may be required to answer questions regarding their health status or declare any pre-existing medical conditions.
Coverage limitations and exclusions
For non-urgent treatments or for conditions existing prior to your arrival, coverage may be limited or excluded; always check the list of exclusions and waiting periods specific to your contract.
Does Allianz health insurance cover seniors?
The Allianz health insurance program is intended for retirees or anyone losing access to a group insurance plan, enabling them to continue health coverage individually as they transition into retirement.
This system often allows for a policy conversion without medical proof, provided the application is made within the required deadline (typically within 60 days after the group plan ends), ensuring continuous protection.
How does reimbursement work with Allianz?
| Functionality | Availability | Expert opinion |
|---|---|---|
| Online invoice submission | ✅ | Allows you to submit claims and documents digitally, reducing paperwork and speeding up claim review. |
| Mobile app | ✅ | The MyHealth app enables users to manage their policy and submit claims directly from a smartphone or tablet. |
| Client area for claim tracking | ✅ | Lets you track the status of reimbursements, check coverage, and consult documents at any time. |
| Reimbursement simulator | ❌ | No online simulator means you cannot automatically estimate future reimbursements for specific healthcare acts. |
| Reimbursement time | 48h–5 days | Standard claims are usually reimbursed in 2–5 days, offering relatively fast turnaround compared to the market. |
| Add/remove members with no fee | ❌ | Changes to covered members may require administrative approval and could lead to extra charges or documentation. |
| Phone support with a healthcare professional | ✅ | Access to a nurse or health expert by phone provides advice, guidance, and emotional support when needed. |
| Second medical opinion | ✅ | You can request an independent medical review to confirm a diagnosis or proposed treatment at no extra charge. |
| 24/7 travel assistance | ✅ | Assistance is always available by phone for medical emergencies during travel abroad, ensuring round-the-clock help. |
Customer reviews of Allianz health insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.3 / 5 ("Bad"), 68 reviews |
Here are some of the pros and cons highlighted by clients:
✅ There is an online portal and app, which are intended to make it easier to submit and track claims.
❌ The claims process is reported as overly complex, requiring excessive documentation even for straightforward claims.
❌ Customer service is often described as slow, unhelpful, and non-transparent, leading to client frustration.
❌ Administrative errors, such as payment guarantee mistakes, have led to treatment delays.
❌ Clients often feel that coverage is inadequate, especially for mental health care, with some reporting exclusion after their first claim.
❌ Digital tools (app and website) are criticized as unreliable, with reports of submissions being lost.
❌ Several reviewers allege a lack of duty of care, including unsafe arrangements for vulnerable patients.
Here are some of the reviews left online:
- "Despite the promise of comprehensive coverage, I found the online claim process convenient when it worked, and the medical evacuation advice was helpful.", J. Nguyen, March 12, 2024, Trustpilot.
- "I spent weeks trying to get reimbursed for an urgent procedure; the app kept deleting my claims and customer service was no help at all.", L. Mason, October 24, 2023, Trustpilot.
How to Contact Allianz Health Insurance?
| Reason for contact | Contact Allianz |
|---|---|
| 🧾 For a health insurance quote | Email client.services@e.allianz.com or call +353 1630 1301, Monday to Friday 9:00 a.m. – 5:30 p.m. (Eastern Time). Choose “individual health insurance.” |
| 🧾 For an insurance certificate | Contact client.services@e.allianz.com by email or call +353 1630 1301, Monday to Friday 9:00 a.m. – 5:30 p.m. State you need a certificate of insurance. |
| 🩺 For medical assistance | Call the 24/7 helpline at +353 1630 1301. Select the menu option for “medical assistance” for emergencies or ongoing care. |
| 🔍 To report an incident or track a reimbursement | Log in to the MyHealth portal or email client.services@e.allianz.com. For urgent claim tracking, call +353 1630 1301, Monday to Friday 9:00 a.m. – 5:30 p.m. Choose “claims.” |
Allianz promo codes
| Allianz promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% via comparator |
Note: Promotional codes may change. For the latest codes, visit our comparison of the best health insurances.
FAQ
Who can subscribe to Allianz health insurance?
If you want to subscribe to an Allianz health insurance plan, you should visit the official Allianz website. However, it is always recommended to compare different health insurance offers online first. You can use our health insurance comparison tool to find the best plan for your needs.
Are there any age requirements with Allianz?
Yes, Allianz usually requires you to be at least 18 years old to purchase an individual health plan. Some plans may also set a maximum entry age, which can vary by product. It’s important to check the policy details for age restrictions specific to the plan you are considering.
Can you add or remove insured members with Allianz?
You can add family members such as your spouse or children to your Allianz health insurance policy. Changes can usually be made during the policy term due to qualifying life events, or at policy renewal by contacting customer service or submitting a formal request.
Are pre-existing conditions covered by Allianz health insurance?
Pre-existing conditions may be covered depending on the plan and the type of underwriting chosen. With full medical underwriting, some pre-existing conditions can be included unless excluded in your policy. Under a moratorium, you may need to have no symptoms or treatment for 24 months before coverage applies.
How do I submit a claim to Allianz in Canada?
You can make claims online through the MyHealth digital portal or mobile app. Claims usually require supporting documents such as receipts or referral letters. If you need help, you can contact the 24/7 helpline or email client.services@e.allianz.com for guidance.
Does Allianz offer direct billing with providers in Canada?
Allianz partners with a network of healthcare providers in Canada. Depending on the provider, direct billing may be available, so you would not have to pay upfront for eligible services. Always confirm with your provider and Allianz before your appointment for clarity on payment arrangements.
Who can subscribe to Allianz health insurance?
If you want to subscribe to an Allianz health insurance plan, you should visit the official Allianz website. However, it is always recommended to compare different health insurance offers online first. You can use our health insurance comparison tool to find the best plan for your needs.
Are there any age requirements with Allianz?
Yes, Allianz usually requires you to be at least 18 years old to purchase an individual health plan. Some plans may also set a maximum entry age, which can vary by product. It’s important to check the policy details for age restrictions specific to the plan you are considering.
Can you add or remove insured members with Allianz?
You can add family members such as your spouse or children to your Allianz health insurance policy. Changes can usually be made during the policy term due to qualifying life events, or at policy renewal by contacting customer service or submitting a formal request.
Are pre-existing conditions covered by Allianz health insurance?
Pre-existing conditions may be covered depending on the plan and the type of underwriting chosen. With full medical underwriting, some pre-existing conditions can be included unless excluded in your policy. Under a moratorium, you may need to have no symptoms or treatment for 24 months before coverage applies.
How do I submit a claim to Allianz in Canada?
You can make claims online through the MyHealth digital portal or mobile app. Claims usually require supporting documents such as receipts or referral letters. If you need help, you can contact the 24/7 helpline or email client.services@e.allianz.com for guidance.
Does Allianz offer direct billing with providers in Canada?
Allianz partners with a network of healthcare providers in Canada. Depending on the provider, direct billing may be available, so you would not have to pay upfront for eligible services. Always confirm with your provider and Allianz before your appointment for clarity on payment arrangements.
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