Allianz OneTrip Prime vs ICICI Lombard Travel USA Standard
Allianz OneTrip Prime runs roughly $100 for a typical trip — noticeably less than ICICI Lombard Travel USA Standard at around $178. The question is whether the savings come at the cost of coverage you'll actually use. We break down what that means for a real hospital visit.
Allianz OneTrip Prime carries this one 6 to 5. The decisive lines are hospital network size and typical premium band; the consolation for ICICI Lombard Travel USA Standard is pre-existing condition cover and lowest deductible.
Side-by-side: who wins what
| Feature | Allianz OneTrip Prime | ICICI Lombard Travel USA Standard | Winner |
|---|---|---|---|
| Coverage limit | $100k | $100k | |
| Lowest deductible | $100 | - | ICICI Lombard Travel USA Standard |
| Pre-existing condition cover | None | Acute-onset | ICICI Lombard Travel USA Standard |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Large | Allianz OneTrip Prime |
| Typical premium band | ~$100 | ~$178 | Allianz OneTrip Prime |
| Avg claim settlement | 21 days | 22 days | |
| Age eligibility | 0-84 | 1-70 | Allianz OneTrip Prime |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $250k | Allianz OneTrip Prime |
| 24×7 support | Yes | Yes |
Where they're the same
- Allianz and ICICI Lombard both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Allianz and ICICI Lombard keep a round-the-clock claims line, not just business hours.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Caps out at $100K and excludes pre-existing conditions entirely.
Cap may be insufficient for major hospitalization
Other comparisons you might want
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BackToIndia is independent — we don't sell Allianz OneTrip Prime or ICICI Lombard Travel USA Standard and earn nothing from either Allianz or ICICI Lombard. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.