Updated September 28, 2026 · SumCue Editorial Team
10Life vs Allianz Travel Reiseversicherungen DE
10Life
Allianz Travel Reiseversicherungen DE
Higher score in this comparison
10Life vs Allianz Travel Reiseversicherungen DE: the differences
| Compare | 10LifeReviewSee alternativesSee alternatives | Allianz Travel Reiseversicherungen DEReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Travel, Auto, Motorcycle, Home |
| Provider type | Comparison site | Insurer |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Phone, Online |
| Premium from | Not confirmed | €2.65 |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | Reise-Krankenschutz: max. 10,000 EUR per person for search, rescue and recovery costs |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Allianz Travel Reiseversicherungen DE scores higher overall: 9.3 vs 8.7.
- Insurance types: only 10Life offers Health, Critical illness, Life.
- Insurance types: only Allianz Travel Reiseversicherungen DE offers Auto, Motorcycle.
- Claims channels: only 10Life offers Independent claims team, Email, Whatsapp.
- Claims channels: only Allianz Travel Reiseversicherungen DE offers Online.
- Support channels: only 10Life offers Email.
Our verdict on each
10Life
10Life is a comparison site built for expats in Hong Kong, letting readers weigh travel, home, health, critical illness and life policies side by side. It holds an Insurance Authority licence under FB1526, and each quote comes from the insurer being compared rather than from one house provider.
Allianz Travel Reiseversicherungen DE
Allianz Travel Reiseversicherungen DE suits German travellers who want a low-cost policy they can pay for monthly, with premiums from €2.65 against a travel insurance median of €7.93. The same insurer also lists travel, auto and motorcycle, so a traveller can add auto, motorcycle or home cover without changing provider.
Score breakdown
| Area | 10Life | Allianz Travel Reiseversicherungen DE |
|---|---|---|
| Cost | Not confirmed | 9.4Premium from €2.65 is under the travel insurance median of €7.93, and monthly payments are available. |
| Offer | 9.5Higher | 8.9 |
| Trust | 8.2 | 9.5Higher |
How they place
| Ranking | 10Life | Allianz Travel Reiseversicherungen DE |
|---|---|---|
| Insurance | 411 of 627 | 112 of 627 |
| Home insurance | 197 of 258 | 49 of 258 |
| Travel insurance | 213 of 278 | 63 of 278 |
Every fact side by side
| Fact | 10Life | Allianz Travel Reiseversicherungen DE |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | AWP P&C S.A. |
| Headquarters | Hong Kong | Germany |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | 10Life | Allianz Travel Reiseversicherungen DE | Median |
|---|---|---|---|
| Premium from | Not confirmed | €2.65below the median | €6.02 |
Median across 116 listed providers.
Pros and cons
10Life
Pros
- Range covers travel, home, health, critical illness and life, set out in travel, home and health.
- Support runs on email, chat and phone, so phone, chat, email and the help centre are open.
- Claims go to an independent claims team on phone, email or WhatsApp (independent claims team, phone and email).
Cons
- As a comparison site, the policy contract sits with the insurer behind each quote rather than the site.
- Auto, pet and gadget risks are not among its travel, home and health, so those quotes end elsewhere.
- The stated audience is expats, so the panel is aimed at a narrower group than all residents.
Allianz Travel Reiseversicherungen DE
Pros
- Premiums start at €2.65, under the travel insurance median of €7.93.
- Monthly payments are available on the monthly payment model, so the premium is not a single lump.
- Support runs on phone, chat and help centre, a phone line, a chat service and a help centre.
Cons
- Claims start on phone and online, by phone or online, a narrower set than the phone, chat and help centre used for questions.
- The travel health cover limit is a maximum per person for search, rescue and recovery costs, so a costly trip can outrun it.
- The listed payment model, monthly, is monthly only, so no single annual premium is given to weigh.
Who each suits
10Life
Who it suits
- Expats in Hong Kong weighing travel, health, home, critical illness and life cover in travel, home and health.
- People who want a named contact on a claim, since independent claims team, phone and email lists an independent claims team.
- Readers who prefer several providers at once, which is what a comparison site is built to show.
Who should look elsewhere
- Life cover from a single provider: Linxea lists life on its own.
- Auto and gadget cover in a Spanish market: Oney Préstamos ES lists health, life and gadget.
- Auto risks alongside home and travel: EuroAsia Insurance lists auto, home and travel.
Allianz Travel Reiseversicherungen DE
Who it suits
- Travellers in Germany who want the trip premium spread monthly rather than paid in one go.
- Households that want a holiday policy next to a car, motorcycle or home policy from the same writer, given travel, auto and motorcycle.
- Readers who value a typed support route as much as a phone line, since phone, chat and help centre includes both.
Who should look elsewhere
- bunq, listed at €0, when the opening figure matters more to you than travel cover.
- Linxea, at €25, if your budget sits far above the €2.65 entry point.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
Allianz Travel Reiseversicherungen DE
Current offer
Bonus
Kostenlose allyz Plus-Mitgliedschaft mit Allianz Direct Reiseversicherung: Free allyz Plus membership (AP Solutions GmbH) with any Allianz Direct travel insurance
Requires a valid Allianz Direct travel insurance policy; activate with the policy number; access ends when the travel insurance contract expires
Source, checked September 26, 2026
Country by country
| Country | 10Life | Allianz Travel Reiseversicherungen DE |
|---|---|---|
| Germany | No | Yes |
| Hong Kong | Yes | No |
Questions about each
10Life
Is 10Life an insurer or a comparison site?+
10Life is a comparison site, so it puts policies from several providers side by side rather than underwriting cover itself. The legal entity behind the service is 10Life Financial Limited, and the contract you sign at the point of purchase sits with the insurer being compared.
Is 10Life regulated in Hong Kong?+
Yes. 10Life holds a Hong Kong Insurance Authority licence, FB1526, and the site is registered in Hong Kong. Since it works as a comparison site rather than as the risk carrier, its own licence and the insurer behind each quote are two separate checks to make.
Allianz Travel Reiseversicherungen DE
How much does a policy cost?+
Premiums start at €2.65, below the travel insurance median of €7.93 on the site. On the price table the entry point ranks 62 out of 251, and the cost score on the site is 8.1.
Can I pay the premium monthly?+
Monthly payments are available, and monthly is the only payment model listed. No single annual premium is given to compare, so the cost recurs each month rather than landing in one payment at renewal.
Other options to compare
10Life
Allianz Travel Reiseversicherungen DE