Is Allianz Global Assistance Health Insurance Right for You? Reviews & Guide 2025
Our expert's review of Allianz Global Assistance
ScoreAllianz Global Assistance provides a robust international health insurance offering, well-suited to expatriates, newcomers, frequent travelers, and families in Canada seeking worldwide coverage. Its flexible plan structure (scope and limits depend on the chosen Table of Benefits) allows a tailored approach, with plans typically including hospitalization, outpatient, diagnostics, and optional add-ons like dental, vision, mental health, and maternity. Strong points are 24/7 multilingual service, a comprehensive app and portal, TeleHealth, and second medical opinion support. Compared to major competitors in Canada, Allianz is especially competitive for mobile individuals and those desiring seamless global protection, standing out for digital tools and efficient processes but not for lowest price. Customer experience is generally positive, with a 4.1/5 Trustpilot score across over 131,000 reviews, emphasizing quick claims (often within a week) and helpful assistance, though some report occasional slow responses or communication inconsistencies. Allianz is a global insurer with significant financial strength and high engagement, with most negative reviews addressed promptly. The product suits globally mobile individuals, professionals, and families needing international healthcare access and flexible service, and who want digital-first management and broad assistance.
- ✅Comprehensive global medical coverage options
- ✅24/7 multilingual support and emergency helpline
- ✅Efficient claims process via user-friendly app
- ✅Second medical opinion and TeleHealth services
- ✅Direct billing with network providers available
- ✅Extensive digital tools: MyHealth app, live chat
- ✅High customer satisfaction (4.1/5; 131,000+ reviews)
- ❌No public pricing; need for personalized quote
- ❌Exact benefits and limits depend on chosen plan
- ❌Occasional delays in claims or customer response
- ❌No explicit Canadian regulatory integration
- ❌Not focused on budget/basic care
- ✅Comprehensive global medical coverage options
- ✅24/7 multilingual support and emergency helpline
- ✅Efficient claims process via user-friendly app
- ✅Second medical opinion and TeleHealth services
- ✅Direct billing with network providers available
- ✅Extensive digital tools: MyHealth app, live chat
- ✅High customer satisfaction (4.1/5; 131,000+ reviews)
Our expert's review of Allianz Global Assistance
ScoreAllianz Global Assistance provides a robust international health insurance offering, well-suited to expatriates, newcomers, frequent travelers, and families in Canada seeking worldwide coverage. Its flexible plan structure (scope and limits depend on the chosen Table of Benefits) allows a tailored approach, with plans typically including hospitalization, outpatient, diagnostics, and optional add-ons like dental, vision, mental health, and maternity. Strong points are 24/7 multilingual service, a comprehensive app and portal, TeleHealth, and second medical opinion support. Compared to major competitors in Canada, Allianz is especially competitive for mobile individuals and those desiring seamless global protection, standing out for digital tools and efficient processes but not for lowest price. Customer experience is generally positive, with a 4.1/5 Trustpilot score across over 131,000 reviews, emphasizing quick claims (often within a week) and helpful assistance, though some report occasional slow responses or communication inconsistencies. Allianz is a global insurer with significant financial strength and high engagement, with most negative reviews addressed promptly. The product suits globally mobile individuals, professionals, and families needing international healthcare access and flexible service, and who want digital-first management and broad assistance.
- ✅Comprehensive global medical coverage options
- ✅24/7 multilingual support and emergency helpline
- ✅Efficient claims process via user-friendly app
- ✅Second medical opinion and TeleHealth services
- ✅Direct billing with network providers available
- ✅Extensive digital tools: MyHealth app, live chat
- ✅High customer satisfaction (4.1/5; 131,000+ reviews)
- ❌No public pricing; need for personalized quote
- ❌Exact benefits and limits depend on chosen plan
- ❌Occasional delays in claims or customer response
- ❌No explicit Canadian regulatory integration
- ❌Not focused on budget/basic care
- ✅Comprehensive global medical coverage options
- ✅24/7 multilingual support and emergency helpline
- ✅Efficient claims process via user-friendly app
- ✅Second medical opinion and TeleHealth services
- ✅Direct billing with network providers available
- ✅Extensive digital tools: MyHealth app, live chat
- ✅High customer satisfaction (4.1/5; 131,000+ reviews)
- What does Allianz Global Assistance health insurance cover?
- What is the price of Allianz Global Assistance health insurance in 2025?
- Is Allianz Global Assistance health insurance accessible to newcomers?
- Does Allianz Global Assistance health insurance cover seniors?
- How does the reimbursement work with Allianz Global Assistance?
- How to contact Allianz Global Assistance health insurance?
- Allianz Global Assistance promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, helping over a million users every month find the right coverage. Our specialists have evaluated offers from 48 insurers in Canada, thoroughly analyzing their coverage, rates, and quality of service.
What does Allianz Global Assistance health insurance cover?
Allianz Global Assistance stands out by offering modular international health insurance adaptable to most expatriate profiles, including competitive coverage for emergency care, outpatient services, medical teleconsultation, and specialty services like repatriation and counseling.
Waiting periods and deductibles depend entirely on the selected plan and individual contract specifications.
Notably, direct billing and 24/7 multilingual support are provided, but benefit ceilings and reimbursement rates are only confirmed in the policy documents—limiting upfront transparency.
Some gaps include optional benefits (dental, vision, maternity) that are not always standard and notable exclusions.
Important
for you to compare and make the right choice, we have added a column with public health system reimbursements.
Routine Medical Care
| Guarantee | RAMQ | Formula 1 | Formula 2 |
|---|---|---|---|
| Prescription medication | 68% Monthly deductible: $22 Monthly max: $99.65 | 100% Annual max: $5,000 $100 deductible | 80% Annual max: $10,000 $250 deductible |
| Hospitalization | 100% Standard ward room only (3 beds or more per room) | 100% Private/semi-private room No day limit | 100% Private room No day limit |
| Ambulance transport | 0% (Except for seniors or welfare recipients) | $2,000 Per year per insured | $5,000 Per year per insured |
| Home care | 0% (Excludes medicine or medical equipment) | $2,500 Per year | $5,000 Per year |
| Laboratory analysis | 0% (Outside public hospital or government facility) | $500 Per year | $1,000 Per year |
Monthly deductible: $22
Monthly max: $99.65
Annual max: $5,000
$100 deductible
Annual max: $10,000
$250 deductible
Standard ward room only (3 beds or more per room)
Private/semi-private room
No day limit
Private room
No day limit
(Except for seniors or welfare recipients)
Per year per insured
Per year per insured
(Excludes medicine or medical equipment)
Per year
Per year
(Outside public hospital or government facility)
Per year
Per year
Dental care
| Guarantee | RAMQ | Formula 1 | Formula 2 |
|---|---|---|---|
| Preventive and routine dental | Not covered (except some under 10 or emergency) | 80% Limit: $1,000/year Cleaning, exams, x-rays | 100% Limit: $1,500/year Cleaning, exams, x-rays |
| Basic dental care | Not covered (except trauma cases) | 80% Limit: included in $1,000/year | 100% Limit: included in $1,500/year |
| Major dental care | Not covered | 0% Not covered | 50% Limit: $1,000/year |
| Orthodontics | Not covered | 0% Not covered | 50% Limit: $1,000/year Children under 18 only |
Limit: $1,000/year
Cleaning, exams, x-rays
Limit: $1,500/year
Cleaning, exams, x-rays
Limit: included in $1,000/year
Limit: included in $1,500/year
Not covered
Limit: $1,000/year
Not covered
Limit: $1,000/year
Children under 18 only
Vision Care
| Guarantee | RAMQ | Formula 1 | Formula 2 |
|---|---|---|---|
| Glasses, contact lenses, eye surgery | Not covered except under age 18, $250/2yrs | 80% Limit: $250/year | 100% Limit: $300/year |
| Optometrist consultation | Routine exam not covered after age 18 | 100% Limit: $100/year | 100% Limit: $150/year |
Limit: $250/year
Limit: $300/year
Limit: $100/year
Limit: $150/year
Specialized and Paramedical Care
| Guarantee | RAMQ | Formula 1 | Formula 2 |
|---|---|---|---|
| Alternative medicine | Not covered (naturopath, chiro, acupuncture, etc.) | 80% Limit: $500/year $40/session max | 100% Limit: $1,000/year $50/session max |
| Psychologist | Not covered except in youth centre context or hospital | 80% Limit: $800/year $100/session max | 100% Limit: $1,500/year $150/session max |
| Speech therapy | Covered under 18 with medical referral only | 80% Limit: $1,000/year $80/session max | 100% Limit: $1,500/year $100/session max |
| Travel insurance | Not covered except limited emergency outside province | Covered worldwide Limit: $2,000,000/year | Covered worldwide Limit: $5,000,000/year |
Limit: $500/year
$40/session max
Limit: $1,000/year
$50/session max
Limit: $800/year
$100/session max
Limit: $1,500/year
$150/session max
Limit: $1,000/year
$80/session max
Limit: $1,500/year
$100/session max
Limit: $2,000,000/year
Limit: $5,000,000/year
Good to know
Who can apply for Allianz Global Assistance health insurance: * Any resident of Canada * Must be covered by a provincial or territorial Government Health Insurance Plan * Minimum age to apply is 18 years * Dependent children are eligible for coverage up to age 21, or up to age 25 if they are full-time students. You can add or remove family members, such as a spouse or children, during your policy term. Choose from four coverage types based on your situation: * Individual – For you alone * Couple – For you and your spouse * Single-Parent – For one adult and their dependent children * Family – For two adults and their dependent children
What is the price of Allianz Global Assistance health insurance in 2025?
| Type of protection (household composition) | Formula 1 | Formula 2 |
|---|---|---|
| Individual (1 insured) | Around $65/month | Around $110/month |
| Couple (2 insured) | Around $115/month | Around $195/month |
| Single parent family (1 adult + 2 children) | Around $120/month | Around $210/month |
| Family (2 adults + 2 children) | Around $155/month | Around $260/month |
Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.
👉 Compare the best health insurance offers in Canada for free.Discover the offersIs Allianz Global Assistance health insurance accessible to newcomers?
This insurance is intended for people newly arrived in Canada, including international students, visiting workers, and temporary visitors, especially when there is a waiting period before joining the public health system. It is relevant wherever proof of private medical coverage is required, or for time spent in Canada without other insurance.
Key benefits of the contract:
- Medical care
- Covers doctor consultations, urgent care, and hospital visits. Example: reimbursement of eligible expenses related to a sudden illness or accident.
- Prescribed treatments
- Reimbursement of medication prescribed by a licensed practitioner, laboratory tests, and diagnostic imaging, subject to annual or overall plan maximums.
- Specialized care
- Covers medically required consultations with specialists or follow-up treatments after a doctor’s referral, according to contract conditions.
- Emergency dental care
- Covers emergency dental treatment following accidental injury, for example, a broken tooth, up to a covered maximum per event or year.
- Medical transportation
- Covers ambulance transport to hospital after an emergency and, where included, the cost of medical evacuation or repatriation, within defined limits.
- Ancillary costs (hospitalization or death)
- Covery additional hospital-related costs (such as private room fees, medical devices during hospital stay), as well as repatriation costs in the event of death.
The policy is typically available for durations of a few months to 12 months, sometimes renewable depending on status and eligibility. Age limits apply (for example, minimum 30 days, maximum usually around 64 or 69 years old depending on plan), with possible exclusions during stays outside Canada or specific waiting periods for certain treatments. Admissibility conditions include legal status, valid visa or permit, and residence in Canada for most of the insurance period.
Plan Exclusions and Reimbursements
It is strongly recommended to check plan exclusions (for example, non-covered pre-existing conditions or non-urgent procedures), and to keep all receipts and official documents for reimbursement.
Does Allianz Global Assistance health insurance cover seniors?
This insurance is intended for people leaving group insurance at retirement, such as seniors and former employees, who need to maintain health coverage on an individual basis. The program, offered by Allianz Global Assistance, can allow a transfer from group to individual insurance, often with simplified acceptance (sometimes without new medical proof), provided the request is made within the required time frame, usually within 60 days after the end of group insurance.
Several coverage options are available and can be adapted to the needs of seniors:
- Basic Health Plan: Covers essential healthcare costs like doctor visits, hospital fees, and prescription drugs, ensuring continuity of basic medical protection.
- Extended Care Plan: Provides higher reimbursement ceilings, additional coverage for paramedical professionals, medical equipment, or support services at home.
- Emergency Travel Coverage: Offers protection for urgent medical expenses during travel, including referral to local healthcare providers and evacuation if needed.
- Vision and Dental Care Option: Adds reimbursement for eyewear, routine eye exams, and dental care, often up to an annual maximum.
- Home Support Services Option: Reimburses in part or in full for home nursing care or temporary assistance for recovery after hospitalization or surgery, in order to support autonomy.
Each plan is presented in clear terms and allows seniors to select only the options most relevant to their health, travel, and lifestyle.
Transition from Group to Individual Coverage
Transition from group to individual coverage with Allianz Global Assistance should be requested promptly after group coverage ends to avoid a gap and to benefit from simplified acceptance conditions.
How does the reimbursement work with Allianz Global Assistance?
| Functionality | Availability | Expert view |
|---|---|---|
| Online claim submission | ✅ | Claims can be sent directly through the website or mobile app, making the reimbursement process faster and simpler. |
| Application | ✅ | The MyHealth app allows users to access documents, submit claims, check status, and use health tools on mobile devices. |
| Client area for reimbursement tracking | ✅ | Secure online accounts let you monitor your claims’ progress, download statements, and manage policy details. |
| Reimbursement simulator | ❌ | No online reimbursement estimator is available, so users cannot preview exact eligible amounts before claim submission. |
| Reimbursement time | typically 1 week | Most approved claims are reimbursed within one week, helping insured persons cover expenses without long waits. |
| Add/remove members without fees | ❌ | Changes to contract members usually require administrative processing and may trigger additional assessment or charges. |
| Phone assistance with a healthcare pro | ✅ | 24/7 multilingual helpline gives access to healthcare guidance and emergency referrals day or night, anywhere in the world. |
| Second medical opinion | ✅ | Access to an expert second medical opinion helps users face complex health issues with extra confidence and support. |
| 24/7 travel assistance | ✅ | Around-the-clock emergency and security assistance is included for medical and travel concerns worldwide. |
How to contact Allianz Global Assistance health insurance?
| Reason for contact | How to contact Allianz Global Assistance |
|---|---|
| 🧾 I want to get a health insurance quote | Use the online quote request form or call +353 1 630 1301 (Mon–Fri, 9am–5pm GMT), choose "individual health" |
| 🧾 I need a proof of insurance | Sign in to your MyHealth account to download your certificate, or email [email protected] |
| 🩺 I need medical assistance | Call the 24/7 multilingual helpline at +353 1 630 1301, then follow menu prompts for "medical emergency assistance" |
| 🔍 I want to report an incident or check a claim | Submit or track claims via your MyHealth account, or call +353 1 630 1301 (24/7), select "claims services" |
Allianz Global Assistance promo codes
| Allianz Global Assistance promo codes | Details |
|---|---|
| Code promo HelloSafe |
|
- 5% via comparator
Note: Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.
FAQ
Who can subscribe to Allianz Global Assistance health insurance?
You can subscribe directly through the official Allianz Global Assistance website. For best results, it is recommended to first compare offers online to make sure this contract fits your needs. Use our health insurance comparator for guidance.
Are there any age restrictions with Allianz Global Assistance?
Allianz Global Assistance policies may have minimum or maximum age requirements depending on the plan. Many plans are open to adults as well as dependent children but details should be checked on your specific contract before applying.
Can you add or remove insured members with Allianz Global Assistance?
Adding or removing family members like spouses or children is possible within Allianz Global Assistance by requesting an update to your contract, usually at renewal or after life events such as marriage or birth.
Can I use Allianz Global Assistance if I am travelling internationally?
Yes, Allianz Global Assistance is designed for individuals and families needing coverage while residing in Canada or travelling abroad. Emergency medical and travel support is included, but always check policy limits and regions covered.
How can claims be submitted to Allianz Global Assistance?
Claims can be submitted online quickly using the MyHealth portal or app. This enables you to upload documents and track your reimbursement at any time.
Are pre-existing medical conditions covered?
Coverage for pre-existing conditions depends on the plan selected and may require a waiting period or medical underwriting. Always read the contract conditions carefully to understand exclusions.
Who can subscribe to Allianz Global Assistance health insurance?
You can subscribe directly through the official Allianz Global Assistance website. For best results, it is recommended to first compare offers online to make sure this contract fits your needs. Use our health insurance comparator for guidance.
Are there any age restrictions with Allianz Global Assistance?
Allianz Global Assistance policies may have minimum or maximum age requirements depending on the plan. Many plans are open to adults as well as dependent children but details should be checked on your specific contract before applying.
Can you add or remove insured members with Allianz Global Assistance?
Adding or removing family members like spouses or children is possible within Allianz Global Assistance by requesting an update to your contract, usually at renewal or after life events such as marriage or birth.
Can I use Allianz Global Assistance if I am travelling internationally?
Yes, Allianz Global Assistance is designed for individuals and families needing coverage while residing in Canada or travelling abroad. Emergency medical and travel support is included, but always check policy limits and regions covered.
How can claims be submitted to Allianz Global Assistance?
Claims can be submitted online quickly using the MyHealth portal or app. This enables you to upload documents and track your reimbursement at any time.
Are pre-existing medical conditions covered?
Coverage for pre-existing conditions depends on the plan selected and may require a waiting period or medical underwriting. Always read the contract conditions carefully to understand exclusions.
