Wednesday, June 22, 2022

What Does Allianz Travel Insurance Cover

Don't Miss

What If I Have To Rebook My Trip To A Later Date

What Does Travel Insurance Cover During Pregnancy | Allianz Travel Insurance

If you change the dates of your trip, you may move your plan coverage dates to cover a new or rescheduled trip anytime within 770 days from date of initial insurance purchase. Coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage.

There are two options to take advantage of this opportunity:

  • If you know the dates of your rescheduled trip, please go to the Manage a Policy page at to update the travel dates associated with your plan.
  • If you do not yet know your new travel dates, call Allianz Global Assistance at 1-866-681-6003 to put your plan on hold to use later. Once you know your new travel dates, please contact Allianz Global Assistance to update your plan’s travel dates to cover your new trip.

How Does Travel Insurance Work

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses. You can file a claim online, or do it on your phone with our free TravelSmart app.

How does this work in real life? Lets say you purchase the OneTrip Prime Plan, which includes trip cancellation benefits, to protect your upcoming cruise to Cozumel. Two days before departure, you experience a high fever and chest pain. Your doctor diagnoses bacterial pneumonia and advises you to cancel the trip. When you notify the cruise line, they tell you its too late to receive a refund.

Without travel insurance, youd lose the money you spent on your vacation. Fortunately, a serious, disabling illness can be considered a covered reason for trip cancellation, which means you can be reimbursed for your prepaid, nonrefundable trip costs. Once youre feeling better, you gather the required documents such as your airfare and cruise line receiptsand information about any refunds you did or did not receive and you file a claim. You can even choose to receive your reimbursement via direct deposit, to your debit card or check.

> Learn more: Travel Insurance and COVID-19: The Epidemic Coverage Endorsement Explained

Key Comprehensive Travel Insurance Benefits

Comprehensive

  • Unlimited1,2 Overseas Emergency Assistance3
  • Unlimited2 Overseas Medical and Hospital Expenses3
  • Accidental Death up to $25,0001
  • Permanent Disability3,4 up to $25,0001
  • Choice of the level of cancellation cover1,5 you require, from the moment you purchase your policy
  • Travel Delay Expenses up to $2,0001
  • Alternative Transport Expenses3 up to $5,0001
  • Lost, stolen or damaged luggage, personal effects and valuables up to $10,0001
  • Delayed luggage and personal effects expenses up to $500
  • If your travel documents , transaction cards or travellers cheques are lost, stolen or destroyed3 up to $5,000
  • Theft of cash up to $250
  • Rental vehicle excess if your hire car is damaged or stolen up to $6,0001
  • Personal Liability4 up to $5 million

NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

1 Sub-Limits apply. Please refer to the Policy Benefits section of the Product Disclosure Statement for full details.

2 Where used, the term Unlimited only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply – refer to the Policy Benefits and General Exclusions sections of the PDS for details.

3 You do not have cover under this section while travelling in Australia.

Don’t Miss: Securedent Denture Implant System Cost

Other Travel Insurance Providers

  • World Nomads

World Nomads offers coverage for backpackers and adventure trailers. They are one of our favourite travel insurance providers and we have used them for years.

Unlike Allianz, World Nomads are a travel insurer with a focus on backpackers.

World Nomads do offer 2 separate plans depending on how much cover you want and what exactly you intend to do. World Nomads can also offer trip cancellation, electronic gadget, and theft cover in the policies.

Word Nomads can cover over 140 countries . They can also cover a wide range of adventure sports which Allianz do not. However, they do not offer home country cover and do not offer open ended cover.

The big pro with World Nomads is that they can cover a lot of extreme and adventure stuff like mountaineering. For many, this gives them a big edge over Allianz.

If you are not planning on doing any adventure stiff though, then you may find World Nomads to be a bit expensive.

For more information about World Nomads check out our World Nomads Review.

  • SafetyWing

SafetyWing are a relatively new player on the scene. They are founded by travellers, for travellers and their primary target is Digital Nomads people like me who move around the world working from our laptops. We can go many years without ever going home and SafetyWing recognises this and can offer open ended cover.

How Much You Want Reimbursed

Allianz Travel Insurance Review 2019: Do I Need It?

List your specific losses and the amount you’re seeking for each. If your plan covers them, this might include things like:

  • Non-refundable trip expenses
  • Baggage that was lost, stolen, or damaged
  • Expenses for meals, accommodations, or toiletries during covered delays
  • Medical bills

You’ll need to include receipts or documented estimates for your losses.

Also Check: State Farm Pet Health Insurance

Unforeseen Pregnancy Complications: What Does Travel Insurance Cover

Travel insurance from Allianz Global Assistance covers losses resulting from unforeseen pregnancy complications, such as pre-eclampsia or pre-term labor. This means if you must cancel or interrupt a trip because of a covered pregnancy complication, your travel insurance may reimburse you for nonrefundable trip costs. Your plan may also reimburse you for the emergency medical care you received for those unforeseen complications while traveling.

However, travel insurance does not cover trip cancellations due to normal pregnancy, unless your plan names normal pregnancy as a covered reason and the pregnancy occurred after the effective date of coverage . Nor does travel insurance cover the costs of normal childbirth while traveling. To learn more, read this quick guide to pregnancy and travel insurance.

What Is The Meaning Of Medical Repatriation

Repatriation covers the cost of being transported home if it’s medically necessary after a medical emergency has been stabilized. This includes medical transport if necessary. If the worst happens and a covered traveller dies on the trip outside the home country, this service will transport the remains back home.

Also Check: Pet Insurance Rabbits

Youre Our First Priorityevery Time

We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

Does Allianz Travel Insurance Cover Cruises

Pre-Existing Medical Conditions | Allianz Travel Insurance

If youve booked a cruise get comprehensive Cruise insurance from Allianz Assistance which includes missed port cover and cabin confinement cover. OneTrip Prime includes a long list of covered reasons for trip cancellationinterruption giving travelers the confidence that theyre covered for the most common travel mishaps.

What Does Travel Insurance Cover Travel Insurance Family Vacation Planning Family Travel

You May Like: Does Life Insurance Proceeds Affect Medicaid

Tips For Checking Your Claim Status

  • Its easy to check your claim status anytime online. You can also call us at 1-888-497-6992. Having your claim number will make it faster to find your status.
  • Keep in mind that filing a claim isnt a guarantee of payment. However, if your claim is denied, you can still send in new supporting documentation and ask that your claim be reexamined.
  • If your claim is approved for payment, well notify you by email and also update your status online. Youll receive your funds through the payment method you selected when you filed your claim.
  • If for some reason the direct deposit or debit card payment fails to go through , youll receive a check to the address we have on file for you.

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

*A travel supplier’s cessation of operations due to its financial circumstances may not be available as a covered reason under all plans.*Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. For WA residents, it may not be available in all plans. See your plan details for additional information.

Can I Buy Travel Insurance If A Hurricane’s Already On The Horizon

You click on the Weather Channel and see ominous clouds swirling over the Atlantic. Looks like a hurricane’s forming, and it’s headed straight for your resort. You hope it’s not too late to get travel insurance. Is it?

It’s not too late to purchase travel insurance for your vacation, but it may be too late for insurance to cover you for potential losses caused by the storm.

Travel insurance is designed to offer protection against sudden and unforeseen situations and events. When a hurricane becomes a named storm, it also becomes a “foreseeable event” with known potential to affect your travel. If you buy travel insurance after a storm is named, your plan won’t provide coverage for storm-related claims.

It’s always smart to purchase travel insurance right after you book your trip, so you know you can be protected.

Also Check: Clear Choice Dental Pricing

Allianz Onetrip Prime Plan

This policy is similar to the OneTrip Basic plan except it has higher coverage limits and a few more bells and whistles. For example, youll get access to Allianz concierge services to assist with travel needs such as booking restaurant reservations.

Plus, you get free coverage for one child under age 17 traveling with you. Additionally, you can choose to get a flat payment of $100 per day under travel delay benefits, and you wont be required to provide receipts.

Here are the coverage types youll find with OneTrip Prime:

  • Up to $100,000 trip cancellation coverage
  • Up to $150,000 trip interruption coverage
  • Up to $50,000 emergency medical coverage
  • Up to $500,000 emergency medical transportation coverage
  • $1,000 baggage loss or damage coverage
  • $300 baggage delay coverage, after 12-hour waiting period
  • $800 travel delay , after five-hour waiting period
  • 24-hour hotline assistance

The OneTrip Prime offers the following upgrades:

  • OneTrip Rental Car Protector. This provides primary collision coverage for a rental car.
  • Required to Work. This adds trip cancellation and interruption coverage for work-related emergencies that are covered by your policy.

Staying Safe On Your Adventure

Does Allianz Travel Insurance Cover Car Rental

We sincerely hope you never have to claim on your travel insurance and we wish you many a long, happy, safe adventure!In order to help you stay safe, we do have some top tips for you.

Firstly to make things far more difficult for potential thieves to take your money, pick yourself up a backpacker security belt to keep your cash safe & hidden on the road. Also be sure to read our Backpacker Safety 101 post for tips and tricks to stay safe whilst on the road.

For hiding bigger wads of cash , check out this post on ingenious ways to hide your money when traveling.

Oh, and we strongly recommend traveling with a headlamp whilst backpacking anywhere in the world . They can prevent you falling down a well on a dark night and can light darkened alleyways where thieves may lurk.

Read Also: How Much Are Clear Choice Dentures

Allianz Travel Insurance & Cancel For Any Reason Insurance

One major area that Allianz lacks is with Cancel For Any Reason coverage.

Most major companies offer CFAR as an upgrade to at least some of their plans. This coverage extends your cancellation coverage. Instead of just coverage for the covered reasons for cancellation, it covers everything.

Travelers like the peace-of-mind this coverage provides. It gives you a lot of flexibility in cancelling your trip and still getting most of your money back.

Allianz Vs Travel Guard: What Is Best In 2022

Allianz and Travel Guard are two of the most popular travel insurance companies, but Travel Guard comes out on top

So youve done your travel insurance research and reached the point of asking which company is better Allianz vs Travel Guard?.

Both companies appear often in searches for travel insurance. Youll also see both Allianz and Travel Guard sold through travel suppliers like United Airlines & Expedia. I also have complete reviews for both Allianz and Travel Guard.

This page will show you how these two travel insurance companies compare. Which company has the best coverage? How does the cost compare? Are they both reputable companies?

You May Like: Amex Travel Insurance Review

Do You Cover If We Purchase Only Medicines From Pharmacists Without Consulting A Doctor

No, medicines purchased from pharmacies directly are not covered until and unless prior consultation is taken from the doctor and the same medicines are prescribed as part of the treatment. You will have to pay upfront and file a claim for reimbursement with the supporting consultation notes and prescriptions from the doctor.

Other Allianz Onetrip Options & Offshoots

THE REAL DEAL: A review of Allianz Trip Insurance

In case that wasnt choice enough for you, Allianz also offer 2 offshoots of their OneTrip policy. If you like, look at them as the highly specialised cousins of the OneTrip family.

  • OneTrip Cancellation Plus Plan

OneTrip Cancellation Plus Plan is definitely Allianzs budget policy. With this plan, you are only covered against trip cancellations, interruptions and delays. Medical coverage, medical transportation and baggage loss is not included.

Personally I would only consider this policy if you are not checking luggage you have medical coverage elsewhere. For example, this may be OK if you are an EU citizen taking a short break to another EU country where you only have carry-on luggage and an EU emergency healthcare card. That said, I am not sure why you should be so concerned about delays or interruptions in such a scenario!

  • OneTrip Emergency Medical Plan

This policy is great for travellers who only want Medical coverage on one single trip. It provides up to £50,00 in emergency medical coverage, and $250,000 in emergency medical transportation coverage.

Remember that this plan only offers protection for medical costs. If you are robbed, your cuts and bruises are covered but your stolen phone is not. If the airline loses your luggage it is not covered and you claim for heartbreak. If your trip is cancelled, it will not be covered.

This plan is, therefore, for anybody whos sole and only concern is healthcare costs.

Don’t Miss: Trustage Accidental Death And Dismemberment Insurance Reviews

Choose What Suits Your Needscompare Our Travel Insurance Options

Single cover*

Covers you and your dependants under 25 travelling with you who are listed on your Certificate of Insurance.

Duo cover*

Covers you and your travelling companion listed as covered on your Certificate of Insurance. Duo Cover only covers two people travelling together, it does not provide cover for dependants.

Family plan*

Covers you and eligible members of your family travelling with you who are listed on your Certificate of Insurance. The members of your family who can be included are your spouse or partner, your children or your grandchildren. All children and grandchildren must be your dependants, under 25 and not in full-time employment.

When Youre Ready To File:

  • Its easy to file your claim online. You can also file by phone at 1-888-497-6992, or by mail at:

Allianz Global Assistance

  • For full descriptions and screenshots on how to upload documents, or .

1. On the bar that says Select Document Type, click the gray down arrow. Youll then see a list of document types.

2. From the provided list, choose the kind of document youre uploading .

3. Click the blue Select button, then choose the file you want to upload. Once you select the file, it will automatically upload to our system.

  • We accept many common file types, including PDF, JPG, JPEG, TIF, TIFF, GIF, JIF, JFIF, PDF, XLS, XLSX, DOC, DOCX and PNG. We dont accept shared files, such as Google Docs.
  • Avoid compiling all of your documents into one large file. Files bigger than 7MB will be too big to upload.
  • If you mail or fax your documentation, remember to include your name and policy number on everything you submit.

Also Check: Does Car Insurance Cover Window Replacement

What Does The Rental Car Collision Damage Waiver Cover

A collision damage waiver, or CDW, can actually cover more than collision damage to the rental car. As we define it, it covers costs up to $50,000 if a car you’re renting is stolen or is damaged in a covered accident or while it’s left unattended.

What are those costs, exactly? The OneTrip Rental Car Protector pays for the cost to repair or replace the car , plus reasonable loss of use fees the owner of the rental car incurs while its being repaired. Loss of use means the money the rental car company is losing while the car is in the shop. We consider replacement cost to be the actual cash value of the rental car, minus its reasonable salvage value.

Its important to note that the OneTrip Rental Car Protector gives you primary coverage. Primary coverage means the policy is the first to pay the costs for damage or loss not your own car insurance. You pay no deductible . The collision damage protection you may get through your credit card company is typically secondary protection, meaning it kicks in after your regular car insurance.

The second is free access to our emergency assistance hotline. Wherever you are in the world, you can call the hotline for help with things such as: finding qualified medical care, replacing a lost or stolen passport, making new travel arrangements, finding legal assistance or obtaining an emergency cash transfer.

More articles

Popular Articles