CTI Verdict
Allianz is a well-known name and a good fit for travellers who like to know exactly what they’re paying for; you can add Cruise, Snow or Adventure cover depending on what your trip actually involves, rather than paying for things you don’t need. Worth knowing though: overseas medical cover is capped at $20 million rather than unlimited, and both the Adventure and Snow Packs add a non-removable $500 excess on top of your regular excess for related claims. Good for travellers who know exactly what they do and don’t want covered.