Side by side
Saily vs Allianz
Saily
8 positive (100%) · 0 mixed (0%) · 0 negative (0%)
Trust + time weighted: +100%
Top excerpts
You can try Airalo or Saily. Both are easy to install before arriving in Malaysia.
Airalo, Saily
I used [Saily](https://saily.tpx.lt/2rNbgGW3) and it’s reliable.
I always use [Saily] for peace of mind because it’s from Nord VPN. It’s activates automatically and all round easy to use. No problems so far.
Can recommend Saily. Used it both times I was in Thailand and have no complains. Price is good, works in small islands as well.
Allianz
11 positive (69%) · 2 mixed (13%) · 3 negative (19%)
Trust + time weighted: +52%
AI summary — not a quote
Allianz is generally well-regarded by travelers for its reliable claims processing and extensive coverage options, particularly for medical emergencies and travel disruptions. While many users report successful reimbursements for high-value medical claims and flight cancellations, the brand is also noted for requiring meticulous documentation and enforcing strict sub-limits on personal property.
Pros
- Reliable payouts for significant medical claims, including emergency medical transportation
- Affordable annual plans that offer better value for frequent travelers than individual trip policies
- Potential waivers for pre-existing conditions if the policy is purchased shortly after initial trip payment
- Efficient reimbursement process for flight delays, cancellations, and stolen items
Cons
- Heavy documentation requirements, including itemized lists and proof of ownership for lost items
- Strict 'per item' sub-limits (often $250-$500) for electronics and jewelry
- Claims may involve disputes over Actual Cash Value (ACV) and depreciation
- Specific exclusions for civil unrest or violence unless specific triggers are met or 'Cancel For Any Reason' is added
Top excerpts
I believe some Allianz policies waive preexisting conditions if the policy is bought within 14 days of having purchased your travel.
The hurdle here is documentation. Allianz will require an itemized list and proof of value/ownership. If the bag legitimately held $4k in gear for 4 people, the combined limit usually applies, but expect a fight on depreciation (ACV) and 'per item' sub-limits (often $250-$500 for electronics/jewelry). Good luck.
I have an allianz policy that I have claimed upwards of $20,000 on (I too am medically fragile) and they have never denied a claim. They even offered to pay to fly me back to the US to have treatment here.
Thanks, I’m not going with Faye but Allianz is still under consideration.
I use Allianz.