Allianz Care health insurance reviews: Advantages & disadvantages

Need to take out health insurance but have no idea where to start? If you’ve already done a quick search to see what options are available, you’ve probably come across Allianz Care. It’s one of the most prestigious companies worldwide. It offers a wide variety of insurance policies that seem appealing at first glance. But are they as good as they seem? What do those who have already signed up for its services say about this insurer? Today, we want to help clear things up. In this review, we’ll talk about Allianz health insurance, opinions, coverage, policies, and many other things you should consider before signing your contract. Stay with us and find out if it’s what you need.

What is Allianz and what international health insurance does it offer?

As we mentioned, Allianz Care is one of the most prestigious insurers worldwide. It was founded in Germany in 1890 and has an extensive and diverse portfolio of policies covering over 70 countries. Its insurance policies span various sectors, including home, car, and work equipment. And of course, health insurance as well.

Its range of international health insurance is designed for those living, studying, or working abroad. It’s also suitable for frequent travellers, although for this purpose, the Allianz travel insurance line might be more suitable. Despite offering various health insurance policies, for expatriates, it only provides one plan:

• Allianz Health Insurance with Reimbursement: The insured chooses the healthcare professional or clinic. Allianz then reimburses up to 90% of the cost (depending on the type of service). This can be used both in the home country and abroad.

If you prefer to take out health insurance locally, you might be interested in their other policies. Here are the different options available in that case:

• Allianz Health Insurance with Primary Care: Includes consultations with general practitioners, emergencies, specialists, diagnostic tests, and treatments.
• Allianz Health Insurance with Hospital Care: For those who only need coverage for more serious cases. It includes hospitalisation, surgery, emergencies, and tests in hospital settings.
• Allianz Health Insurance without Primary Care: Allows direct access to specialists without needing a referral from a GP. It covers emergencies, hospitalisation, diagnostic tests, and treatments.

What health services are covered by Allianz insurance?

The insurer you choose will need to assist you in case of medical issues while you are away from home. It’s important to take time to carefully review the policies you’re considering. If the time comes and you need to use your insurance, it will help to know what’s covered and what’s not. Allianz’s international health insurance is designed to cover a wide range of services. Here are the main coverages:

• Medical consultations and primary care: Includes access to general practitioners, specialists, and emergency consultations. It also covers home visits.
• Hospitalisation and surgeries: Covers hospital stays, surgeries, intensive care units, and post-operative care. Hospitalisation is included.
• Diagnostic tests: Such as laboratory tests, CT scans, MRIs, or advanced imaging studies. Note, these coverages usually have waiting periods of 6 to 18 months.
• Rehabilitation, physiotherapy, and psychology: Includes sessions with physiotherapists and psychologists. Pain treatments and psychiatry sessions are also covered.
• Dental coverage: Free of charge. Access to over 2,000 clinics and up to 78 dental treatments at no cost.
• Maternity and childbirth: Available, but typically has a waiting period of up to 10 months.
• Emergency and international travel assistance: Included.
• Specialised medicine and complex treatments: Such as oncology, chemotherapy, DNA tests for treatment personalisation, or bloodless surgeries.

What medical care is not covered by Allianz insurance?

As you can see, they offer quite comprehensive coverage. However, it’s also important to keep in mind what is not covered. Knowing this will help you plan and act quickly if the time comes. You may also want to consider if you should look for another insurer that covers certain services. Here are some services you’ll need to pay for separately if you sign up for Allianz Care policies.

• Undisclosed pre-existing conditions: If you have a medical condition prior to the contract, it’s important to note that in most cases, the insurer won’t cover complications related to it.
• Prolonged mental health treatments: As we mentioned, sessions with psychologists or psychiatrists are included. However, long-term therapies or certain diagnoses are excluded.
• Assisted reproduction and fertility studies: Not covered.
• Preventive and genetic medicine: Genetic studies, preventive check-ups, or experimental treatments are not covered.
• Injuries from high-risk sports or illegal activities: Health issues caused by fights, intoxication, drug use, suicide attempts, or professional sports practices.
• Aesthetic or non-essential treatments: Such as cosmetic surgery, alternative medicine, or rest cures.
• Medications without hospitalisation or prescriptions: Medications without a prescription or those not included after a hospital admission won’t be covered.

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Opinion on international health insurance prices

Let’s talk about one of the most important factors when taking out international health insurance: Price. In the case of Allianz, although it’s not the cheapest, its rates are quite competitive. Monthly premiums are lower than some other popular options, such as the international health insurance from AXA, for example.

That said, it’s worth noting that other companies offer more choices and Allianz’s international policy only reimburses up to 90% of the service cost. Also, the final price depends on the insured’s age and other variables. For young adults, it starts from €145.69 ($158 USD). For older adults, it can exceed €356.17 ($386 USD).

How is Allianz’s Customer Service?

Price is something to consider, but knowing how a company responds when it matters most is even more important. There’s no point in choosing the most comprehensive policy if, when you need assistance, they don’t treat you properly. When you’re far from home, this becomes even more crucial.

We’ve been researching forums and expat websites to see what customers say about Allianz, and opinions are quite divided. Some highlight the quick response and friendly service from agents. The 24/7 support is also well-regarded. However, others say the process to resolve queries or issues is slow and bureaucratic. Some complain that they were asked for the same documents multiple times or that it took too long to get a clear response.

As for the contact channels Allianz provides for customers to reach their support team, there are several:

• Phone: For both medical and administrative queries. They have international lines and offer assistance in Spanish.
• Email and online form: Useful for non-urgent cases.
• Allianz Health App: Allows you to check your policy, book appointments, access your medical history, and contact support directly.
• Online Chat: Available from their website, but not always active outside of business hours.

In conclusion, we could say that the experience with their service depends largely on the complexity of the process. For simple cases, their response is efficient. For more complex matters, they may take a bit longer.

Allianz Website and App Opinion

It’s increasingly important for insurers to have an efficient website where clients can review policies, take out insurance, or manage issues online. What have we noticed about Allianz in this regard? Overall, it’s good, but with some caveats.

Its website is very well structured. At first glance, you can see all the services they offer. The insurance section is at the top menu, first on the list. With a single click, you can go straight to the expatriate policy section. Once there, the policy conditions and advantages are clearly displayed. There is also a downloadable file with more information.

What’s the downside? Rates are not shown in this section. Although you can get an approximate idea in the general health insurance section, for the expatriate policy, you need to enter your details and wait for an operator to contact you. You can’t sign up for a policy online, unlike some other companies.

As for the Allianz Health app, there are several things to note. It works for both iOS and Android and has a rating of 3 ✭ and 2.8 ✭ out of 5, respectively. It promises a wide range of features, such as viewing your policy, booking appointments, accessing medical history, and even telemedicine consultations. According to the reviews we found, it’s only partially successful. It tends to crash often.

Advantages and Disadvantages of Allianz International Health Insurance

Like any insurer, Allianz has strengths and areas for improvement. To help you see both more clearly, we’ve put together a table highlighting both. This will assist you in making an informed decision and ensuring your choice is the right one. 

Advantages and disadvantages of Allianz health insurance, opinions

Allianz Customer Experiences and Reviews

We can’t end this review of Allianz health insurance without analysing what those who have already signed up think. Does it deliver on its promises? Is the reimbursement process straightforward? Does the customer service team respond quickly in medical emergencies? Knowing what others say will help you decide whether you should go with this company or choose another.

To answer these questions, we’ve been diving into review forums. As mentioned above, customer opinions about this insurer are quite divided. On Trustpilot, for example, it has a rating of 1.5 out of 5 ✭. At first glance, it doesn’t seem like a very flattering rating. Not required Let’s see why they gave Allianz this rating.

Allianz health insurance reviews on reimbursement requests and bureaucracy.

Requesting a medical reimbursement should be quick and clear. However, at Allianz, this process seems to generate quite a few complaints.

• Positive aspects: Some people mention that the process works if the documentation is submitted correctly from the start. They also highlight the option to complete certain steps from the customer area or with the help of an insurance agent.
• Negative aspects: Many reviews criticise the slow and complicated process. Complaints include a lack of response from processors, repeated requests for documents, and, in some cases, reimbursement rejections without clear explanations.

“I took out medical insurance to travel abroad for three months with extra COVID cover. I got sick 20 days after signing up, and had to pay a deposit of 300 Swiss Francs. It’s now been 2 months and they haven’t provided a solution. I sent them medical reports, receipts, and everything, but they refuse to cover the cost I had to pay in Switzerland. That 300 francs is what I would have had to pay privately.”— Allianz health insurance, review by user Melisa Herrera on Trustpilot

Allianz Health Insurance Reviews: Health Service Coverage

A health insurance policy is only as good as its ability to cover what you need. In this regard, opinions are also mixed.

• Positive aspects: Some users appreciate the hospitalisation coverage and access to certain private clinics within the network.
• Negative aspects: The most common complaints include lack of coverage for essential treatments, rejection of therapies recommended by specialists, and undisclosed medical exclusions.

“My mother has been in hospital since January 23rd at Hospital Quirón in Torrejón, unable to walk and bedridden, waiting for urgent back surgery approval, which still hasn’t arrived as of today (04/02/2025), after two surgery dates were scheduled.
They do not meet the established response deadlines (a maximum of 48 hours).”— Allianz health insurance, review by user Sandra Rodríguez on Trustpilot.

Renewal and Cancellation of Health Insurance

Health insurance needs to adapt to your circumstances. That’s why it’s crucial to know if renewing or cancelling your policy is easy. In Allianz’s case, customer experiences have been mixed.

• Positive aspects: Some users appreciate the automatic renewal and how their trusted agent has provided great advice over the years.
• Negative aspects: Others complain about unilateral cancellations without prior notice, especially after using the insurance. There are also mentions of having to call multiple times to cancel a policy.

Allianz Health Insurance Reviews: Visa and Immigration Process Compatibility

Having insurance that meets visa or residence requirements in another country is a must if you’re travelling for studies or work. Is Allianz’s expatriate policy compatible with these requirements according to users?

• Positive aspects: Some users have been able to use Allianz insurance as part of immigration processes, particularly in European destinations. When the certificate is obtained via an agent, it’s usually well-managed.
• Negative aspects: Other reviews mention that the insurer doesn’t have an efficient system for this type of request. In some cases, the health insurance policies didn’t meet the requirements needed to renew a visa.

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