Allianz Care Insurance Review 2025: Complete Guide for Expats and Digital Nomads
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Allianz Care Insurance Review 2025: Complete Guide for Expats and Digital Nomads

The Expat Collective
The Expat Collective February 8, 2026 1 min read 64

At ExpatsList, we help millions of expats worldwide.

Allianz Care provides comprehensive international health insurance for expatriates, offering global coverage with access to over 2 million healthcare providers across 192 countries. Understanding their plans helps expats make informed healthcare decisions abroad.

International Health Insurance: Beyond Borders Financial Protection

At ExpatsList, we help millions of expats worldwide.

Healthcare emergencies don't pause for international borders. Cancer treatment costing hundreds of thousands of pounds in some countries could bankrupt uninsured expatriates. International health insurance exists precisely for this reason. Allianz Care, providing international health coverage since 2000, ranks among the industry's biggest players with a global network exceeding 2 million healthcare providers

Frequently Asked Questions

What does Allianz Care insurance cover?
Allianz Care offers comprehensive international health insurance covering inpatient and outpatient care, emergency treatment, hospitalization, surgery, specialist consultations, prescription medications, mental health services, maternity care, dental and vision care (on premium plans), medical evacuation, and repatriation. Coverage extends worldwide or can be regional, with options to include or exclude the USA/Canada. Plans are customizable with various modules for dental, optical, maternity, and wellness benefits. Emergency assistance available 24/7 in multiple languages.
How much does Allianz Care insurance cost?
Allianz Care premiums vary based on age, location, coverage level, deductible amount, and included modules. Basic plans start around $100-200 monthly for young adults, mid-tier plans range $300-600 monthly, and comprehensive plans can exceed $1,000 monthly for older individuals or families. USA/Canada coverage significantly increases premiums. Choosing higher deductibles ($500-5,000) reduces monthly costs. Geographic area, pre-existing condition coverage, and optional modules (dental, maternity) also affect pricing. Request personalized quotes for accurate pricing based on your specific needs.
Does Allianz Care cover pre-existing conditions?
Allianz Care's approach to pre-existing conditions depends on the plan and underwriting. Standard plans typically exclude pre-existing conditions initially, with possible coverage after a waiting period (often 12-24 months) if conditions are stable and controlled. Some premium plans offer immediate coverage for pre-existing conditions at higher premiums. Full medical underwriting is required, and Allianz may exclude specific conditions, apply loadings, or impose waiting periods. Disclose all medical history during application to avoid claim denials. Options vary by plan level and individual health profile.
Is Allianz Care good for digital nomads?
Yes, Allianz Care is excellent for digital nomads due to its worldwide coverage, flexibility, and comprehensive benefits. Plans cover you in multiple countries without geographic restrictions (except optional USA/Canada exclusion for cost savings). The MyHealth mobile app enables digital claims submission, finding providers, accessing virtual doctors, and managing policy anywhere. No primary residence requirement makes it ideal for constant travelers. However, costs can be high compared to travel insurance, and some countries may have limited provider networks. Best for long-term nomads needing comprehensive coverage.
How do I file a claim with Allianz Care?
Filing Allianz Care claims is straightforward: visit an in-network provider who may bill Allianz directly, or pay upfront and submit reimbursement claims. For reimbursement, use the MyHealth mobile app or online portal to upload receipts, medical reports, and invoices. Claims typically process within 10-15 business days. For faster processing, ensure all documentation is complete and in English (or provide certified translations). Direct billing at network facilities eliminates upfront payment. Emergency pre-authorization available 24/7. Keep all receipts and medical documentation for potential claims.
What are alternatives to Allianz Care for expats?
Top Allianz Care alternatives include: Cigna Global (comprehensive worldwide coverage, excellent provider network), Aetna International (strong for Americans abroad), William Russell (budget-friendly with good coverage), IMG Global (affordable with flexible plans), GeoBlue (ideal for Americans, Blue Cross Blue Shield network), and SafetyWing (budget option popular with digital nomads). Compare based on coverage needs, budget, geographic requirements, provider networks, and customer service quality. Consider whether you need comprehensive health insurance or more affordable travel medical insurance for shorter stays.
Written by
The Expat Collective
The Expat Collective

A global community of expat writers and contributors sharing firsthand perspectives on international living. Covering practical guides, cultural insights, and honest stories from around the world.

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