Updated October 16, 2026 · AssureCue Editorial Team
Allianz Assistance ES vs Liberty Mutual
What sets them apart
| Compare |  Allianz Assistance ES |  Liberty Mutual |
|---|---|---|
| Premium from | €1.50 | $5 |
| Insurance types | Travel, Landlord | Auto, Home, Renters, Landlord, Motorcycle, Life, Pet |
| Excess from | €90 | $250 |
| Cover limit | Medical expenses abroad: up to 20,000 EUR (Bronze), 100,000 EUR (Silver), 500,000 EUR (Gold) | Pet insurance annual maximum: $5,000, $10,000 or $15,000 |
| Claims channels | Online, Email, Post | Online, Phone, App, Email |
| Monthly payments | Not confirmed | Yes |
Same on both: Provider type (Insurer).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Liberty Mutual scores higher overall: 9.4 vs 9.3.
- Allianz Assistance ES is licensed in 1 more country.
- Insurance types: only Allianz Assistance ES offers Travel.
- Insurance types: only Liberty Mutual offers Auto, Home, Renters.
- Claims channels: only Allianz Assistance ES offers Post.
- Claims channels: only Liberty Mutual offers Phone, App.
Our verdict on each
Allianz Assistance ES
Allianz Assistance ES suits people in Spain buying travel or landlord cover who want a named insurer behind the policy rather than a broker. Premiums start at €1.50 and support runs through phone, email and help centre, so help is easy to reach before a claim.
Liberty Mutual
Liberty Mutual explains that its listed underwriting companies are separate legal entities that issue the policies.
Score breakdown
| Area | Allianz Assistance ES | Liberty Mutual |
|---|---|---|
| Cost | 9.2HigherEntry premium is €1.50 with an excess from €90, both low beside the €8.37 site median for personal cover. | 8.9 |
| Offer | 8.9 | 9.5Higher |
| Trust | 9.6 | 9.7Higher |
What each covers
| Insurance types | Allianz Assistance ES | Liberty Mutual |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Life | No | Yes |
| Travel | Yes | No |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Landlord | Yes | Yes |
How they place
| Ranking | Allianz Assistance ES | Liberty Mutual |
|---|---|---|
| Home insurance | 66 of 273 | 60 of 273 |
| Landlord insurance | 13 of 55 | 10 of 55 |
Every fact side by side
| Fact | Allianz Assistance ES | Liberty Mutual |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | AWP P&C SA. Sucursal en España | Liberty Mutual Insurance Company |
| Headquarters | Spain | United States |
| Founded | Not confirmed | 1912 |
| Support channels | Phone, Email, Help centre | Phone, Help centre, Email |
Business insurance
| Fact | Allianz Assistance ES | Liberty Mutual |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Employers liability, Cyber, Property |
| Industries | Not confirmed | Construction, energy, healthcare, technology, manufacturing and others |
Pros and cons
Allianz Assistance ES
Pros
- An insurer rather than a middleman, so the sale, the policy and the claim sit with AWP P&C SA. Sucursal en España
- Support runs on phone, email and help centre for policy questions before a claim
- Claims can be filed through online, email and post, which lists online, email and post
Cons
- travel and landlord lists travel and landlord only, narrower than auto, home and renters
- An excess from €90 is left with you on a claim
- The lowest travel tier sets the smallest medical expenses abroad limit under the cover limit fact, so a heavy treatment bill abroad rests with you
Liberty Mutual
Pros
- The captured source states the provider or product information summarized here.
Cons
- This describes the insurer’s stated entity structure and does not determine coverage under any policy.
Who each suits
Allianz Assistance ES
Who it suits
- Travellers buying cover in Spain who want help with medical costs abroad
- Landlords letting a property under travel and landlord
- Anyone who prefers an insurer that carries the risk itself
Who should look elsewhere
- Drivers and motorbike riders, since travel and landlord covers travel and landlord only and car cover sits elsewhere, such as Hiscox UK
- House occupiers shopping for buildings and contents cover, which Hiscox UK and Good Sam Insurance Agency list in home, renters and landlord and auto, home and renters
Liberty Mutual
Who it suits
- Readers looking for the limited background stated in the captured source.
Current offers
Liberty Mutual
Current offer
Discount code
Bundle auto and home insurance online: over $950 average annual savings
Average annual savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual or Safeco between 10/2024 and 9/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Switch to Liberty Mutual auto insurance: over $700
Average annual savings based on a countrywide survey of new customers who reported savings when they switched between 10/2024 and 09/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Pet insurance stackable discounts for existing Liberty Mutual customers: up to 20%
Already a Liberty Mutual customer; products, rates and discounts may vary by state and are subject to change
Source, checked September 26, 2026
Country by country
| Country | Allianz Assistance ES | Liberty Mutual |
|---|---|---|
| Canada | No | Yes |
| France | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
Allianz Assistance ES
What does a travel policy from Allianz Assistance ES start at?+
The opening premium is €1.50 for travel cover, which reads as a low entry point beside the €8.37 site median. The final price moves with the tier, the trip and the cover limit you pick, so treat that figure as the floor rather than the quote.
Is this brand an insurer or a broker?+
It is registered as an insurer under insurer, which means it carries the risk in its own name. You deal with one company for the sale, the policy and the claim, with no separate underwriter to trace.
Which regulator holds this provider to account?+
In Spain the provider is registered with the Direccion General de Seguros y Fondos de Pensiones (DGSFP), under record number E-0202. That registration is what ties the firm to local rules on selling and paying claims.
How much of a medical bill would travel cover pay abroad?+
It depends on the tier. The cover limit fact puts medical expenses abroad on three levels, Bronze, Silver and Gold, with each step paying out more for treatment received away from home. The level you buy sets how large a treatment bill the policy will carry, and that choice sits alongside the excess on €90.
Other options to compare
Other matchups
- Allianz Assistance ES vs Allianz Direct Versicherungen DE
- Allianz Assistance ES vs Admiral Group
- Allianz Assistance ES vs AllClear Travel
- Allianz Assistance ES vs ROLAND-Rechtsschutz
- Allianz Assistance ES vs Hiscox UK
- Allianz Assistance ES vs Groupama MRH
- Allianz Assistance ES vs CosmosDirekt
- Allianz Assistance ES vs AllClear Travel Insurance AU
- Allianz Assistance ES vs GEV Grundeigentümer Versicherung