Allianz OneTrip Premier vs ICICI Lombard Travel USA
ICICI Lombard Travel USA is underwritten in India by ICICI Lombard; Allianz OneTrip Premier is a US-based plan from Allianz. That changes who handles claims, how disputes are resolved, and what currency the premium and deductible sit in. Read on for the line-by-line scorecard.
Allianz OneTrip Premier carries this one 6 to 3. The decisive lines are lowest deductible and hospital network size; the consolation for ICICI Lombard Travel USA is typical premium band and age eligibility.
Side-by-side: who wins what
| Feature | Allianz OneTrip Premier | ICICI Lombard Travel USA | Winner |
|---|---|---|---|
| Coverage limit | $500k | $500k | |
| Lowest deductible | - | $100 | Allianz OneTrip Premier |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Mid | Allianz OneTrip Premier |
| Typical premium band | ~$168 | ~$145 | ICICI Lombard Travel USA |
| Avg claim settlement | 18 days | 30 days | Allianz OneTrip Premier |
| Age eligibility | 0-89 | 0-99 | ICICI Lombard Travel USA |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $500k | Allianz OneTrip Premier |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Allianz OneTrip Premier and ICICI Lombard Travel USA settle directly with US hospitals — no $50k credit card hold at admission.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Acute-onset PED cuts off at 65 — narrower than Atlas or Patriot.
PED acute-onset cap is $25k, lower than premium peers.
Other comparisons you might want
More comparisons for Allianz OneTrip Premier
Treat this page as a decision aid, not insurance advice. We have no commercial relationship with Allianz or ICICI Lombard; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.