| Overseas Medical and Hospital Expenses | true |
|---|---|
| Cancellation and Amendment Fees | Cover chosen |
| Luggage and Personal Effects | $10,000 |
| Maximum Age Limit | 120 |
Table updated March 2024
Allianz’s policies have a general exclusion against epidemics and pandemics with a few exceptions for specific benefits. Here’s what you can expect to be covered for:
On top of Allianz’s COVID-19 coverage, you could be up for a partial refund of your insurance premium if you need to cancel or shorten your trip due to a COVID-19 mandatory quarantine period or border closure.
There are some scenarios that are not covered and you should review the Allianz Travel Insurance product disclosure statement (PDS) before deciding on whether this cover meets your needs.
If Allianz’s COVID-19 cover doesn’t quite make the cut, we’ve compared all the providers that offer cover for COVID-19 here.
Allianz travel insurance offers five levels of cover: Comprehensive, Basic, Domestic and Multi-Trip. Each of these can be purchased for a single traveller, a couple or an entire family. Allianz also offers a Non-Medical plan which can cover one insured person.
Comprehensive
Basic
Multi-trip
Domestic
Non-medical
Allianz travel insurance is underwritten by Allianz Australia Insurance Limited.
It comes with a cooling-off period of 14 days which allows you to you cancel your policy if you change your mind and receive a full refund. You also have your choice of base excess that applies when claiming for an insured event. An excess is an amount you must first pay towards a claim, and you can lower the cost of your policy by selecting a higher excess.
"I recently purchased Allianz travel insurance for a trip I made with my daughter to the UK. I decided on Allianz after doing some online research comparing prices and what was covered in policies across various companies. I was able to play around with the excess to make the amount cheaper or more expensive based on my own requirements. Luckily, I didn't need to make a claim while I was away, but my experience with Allianz was a positive one and I felt they stacked up well against other insurance companies when I was comparing. "
These are some of the features and benefits that are included in Allianz travel insurance policies. Some of these inclusions only apply to certain levels of cover (e.g. Comprehensive vs the Basic plan).
Along with Allianz’s four levels of cover, you’ve got further flexibility through its add-on packs. These packs let you tailor your policy with extra cover by paying an additional premium.
All travel insurance providers have some exclusions built into their policies and they’re usually pretty similar. This is the one part of your policy documents that you’ll want to pay close attention to, however, as it’s why a fair chunk of travellers wanting to claim, get rejected. Here are a few key things Allianz won't cover you for:
Make sure you review Allianz’s PDS for a full rundown of what isn't covered, found under its list of general exclusions.
You can email Allianz at travelclaims@allianz-assistance.com.au to request a claim form.
Alternatively, you can submit a claim online by following these steps:
Allianz is considered a global leader in insurance and its policies cover you for a range of unexpected events that may affect your trip. true overseas medical and hospital expenses and up to $5,000,000 for personal liability cover put Allianz at the top of the pack when it comes to peace of mind on your trip. Plus, its flexible cancellation cover lets you choose how much you’ll actually need without forcing you to pay for unnecessary cover.
The insurer isn’t for everyone, though. Allianz considers pregnancy a pre-existing condition which means you’ll need to complete a medical assessment. If you’re looking for comprehensive COVID-19 cover, Allianz gets close but there are still a handful of exclusions that might make you think twice.
If you're still not sure about Allianz, you can compare other travel insurance companies here.
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