I’d not recommend Allianz to anyone. I reporter an incident caused by the airline that cause my trip to delay by 9 hours and I had to make multiple international calls to get the new tickets. The customer service was not friendly, professional and told me it’s not covered even it’s the airlines problem. They basically took the money and don’t do anything. I’ve been using them for a while for all my trips and that’s the first time i called for a claim. Do not waste money on this company.