Allianz Travel Insurance

Review Allianz travel insurance policies and compare them side by side.

It’s no surprise to read that travelling can involve a few bumps along the road, but what is often overlooked is how much a medical visit might cost, or how a delayed train can snowball into you missing your flights. Travel insurance is a must for anyone thinking about hitting the road, but which insurance provider should you go with?

While the cover you need might vary, a provider that many people rely on is Allianz. Insuring over three million people and businesses, Allianz is one of the largest insurance providers on the market, and offers a wide range of policies and benefits. But what does this all mean, and where do you even get started? Once you’ve got your travel plans sorted, you’ll want to know what cover you need, and we’ve broken it down for you.

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What policies can I choose from?

• Budget travel insurance – For those who are on a shoestring budget but still want some protection, this policy offers unlimited cover for emergency medical assistance overseas, as well as any medical and hospital expenses you may incur.
• Australia only travel insurance – If you’re only looking to roam as far as your backyard, Allianz offers an Australia only travel policy for any domestic adventurers, which covers you for travel delays, loss and damage of luggage and personal items, plus theft of cash and additional expenses.
• Comprehensive travel insurance – Leave your worries behind with comprehensive travel insurance, a policy designed around peace of mind. Covering everything from your flight and rentals, delays and additional expenses to medical and dental emergencies, you can travel safe knowing that you’re protected.
• Multi-trip travel insurance – If you’re a jetsetter and spend more of your time in the air than on the ground, this policy is designed with you in mind, covering you for both international and domestic travel for 12 months. Featuring all the benefits of comprehensive insurance, multi-trip travel insurance covers any cancellations, luggage, medical and repatriation costs, as well as a wide range of additional options and benefits. Whether it’s a dozen fly-in/fly-out trips or a journey around the world, any trip you take within the 12-month period is covered.

On top of these policy options, Allianz also tailors to who is travelling, whether it’s by yourself, as a couple or with your family. Each policy can offer the following cover:

• Single cover – Perfect if you’re flying solo.
• Duo cover – Give your companion the same peace of mind you have.
• Family plan – Extending protection to your spouse or de facto partner as well as any children and/or grandchildren under the age of 21.

How do Allianz policies compare?

What is excluded from my travel insurance policy?

General exclusions include:

What are my policy options?

Allianz Travel Insurance offers a wide range of policies to suit your travel needs, be it within Australia or overseas. The policy options you can enjoy are as follows:

Budget Travel Insurance:

As a budget traveller, you never have to worry about avoiding travel insurance if you opt for Budget Travel Insurance from Allianz. This is a no-frills travel insurance that will cover emergency medical assistance and medical hospital expenses when you are travelling overseas. You can enjoy unlimited overseas emergency medical assistance and overseas emergency medical and hospital expenses. The policy also covers dental expenses up to $500 and offers personal liability cover up to $5 million.

Comprehensive Travel Insurance:

With Comprehensive Travel Insurance, you can get unlimited cover for cancellation fees and lost deposits, overseas emergency medical assistance and overseas emergency medical and hospital expenses. You also enjoy cover for the following:

• Travel documents, credit cards and travellers cheques
• Travel delays, which includes meals, accommodation, personal effects and luggage
• Alternative transport expenses if the transport you have booked is cancelled, delayed or diverted
• Permanent disability cover
• Loss of income cover

Comprehensive Travel Insurance also offers personal liability cover up to $5 million and rental vehicle excess cover up to $6,000.

Frequent Traveller Insurance:

If you travel a lot, the last thing you want is taking out travel insurance each time you decide to travel. The Frequent Traveller Insurance from Allianz Travel Insurance saves you this headache, as it is a 12-month travel insurance that offers cover for the following:

• Cancellation fees and lost deposits
• Overseas emergency medical assistance
• Overseas emergency medical and hospital expenses, including dental expenses
• Additional expenses
• Hospital cash allowance
• Accidental death
• Permanent disability
• Loss of income
• Travel documents, credit cards and travellers cheques
• Theft of cash
• Luggage and personal effects
• Luggage and personal effects delay expenses
• Travel delay expenses
• Alternative transport expenses
• Personal liability
• Rental vehicle excess

All you need to do is make a single premium payment and you enjoy cover for every single trip you make in the year. Your cover is reinstated after you complete each journey.

Australia Only Travel Insurance:

Just because you are travelling within your own company does not mean you are exempt from experiencing the same losses as travellers on international trips. If you are travelling within Australia and still want to enjoy a wide range of cover, you should opt for Australia Only Travel Insurance. It offers the following benefits:

• Unlimited cover for cancellation fees and lost deposits
• Additional cover for travel delays, including meals and accommodation
• Accidental death
• Luggage and personal effects
• Travel delay expenses
• Personal liability
• Rental vehicle insurance excess

What kinds of things does my policy cover?

Some of the benefits you can enjoy when you opt for an Allianz Travel Insurance policy are as follows:

• Cancellation Fees and Lost Deposits: If you paid for your travel and accommodation in advance and your journey is cancelled or shortened due to unforeseen circumstances, you can get the cancellation fees up to $1,500 for single cover and $3,000 for family cover. If you used frequent flyer points to buy your ticket, you will be paid for the loss of the points.
• Overseas Emergency Medical Assistance, Medical Evacuation or Funeral Expenses:
• If you are injured or become sick during your overseas journey, you will have access to a medical adviser for treatment, have messages relayed to your family or employer and written guarantees for payment for emergency hospitalisation. The insurance also covers your medical evacuation to Australia and if you pass away due to injury or sickness, the insurance will provide cover for your funeral or cremation overseas. The total amount you can claim is $15,000.
• Overseas Emergency Medical, Hospital or Dental Expenses: The insurance will pay medical or hospital expenses you incur until you return to Australia. The insurance also covers emergency dental treatment up to $500 per person.
• Additional Expenses: If you cannot travel due to illness or injury, you will be reimbursed for any additional travel and accommodation expenses you incur. You can also receive cover if your journey is disrupted, cancelled, diverted or shortened due to strike, riot, civil disturbance, hijack, weather or natural disaster.
• Hospital Cash Allowance: If your hospital stay is beyond 48 hours, you will receive $50 a day while you are in hospital.
• Accidental Death: If you pass away due to sickness or injury within 12 months of sustaining it during your journey, the accompanying dependant will receive a death benefit to a maximum of $5,000.
• Permanent Disability: If you become permanently disabled due to an injury sustained during your journey and that too within 12 months of the injury, you will receive $5,000 as a permanent disability benefit.
• Loss of Income: If you become disabled within 30 days of sustaining the injury and the disablement lasts for more than 30 days, you will receive $400 per week for 26 weeks.
• Loss of Travel Documents, Credit Cards and Travellers Cheques: If your documents, credit cards and travellers cheques are lost, the insurance will pay for the expenses you incur for replacing them.
• Theft of Cash: You will receive a maximum of $250 if your cash, bank notes, money order, postal order or currency notes are stolen from your person during your journey.
• Damage of Permanent Loss of Luggage and Personal Effects: If your luggage and personal effects are lost, damaged or stolen, you will be reimbursed for the repair or paid for the same after taking into account the depreciation.
• Luggage and Personal Effects Delay Expenses: If your luggage and personal effects are delayed, misdirected or misplaced by the airline for more than 12 hours, you will be reimbursed the expenses you incurred for purchasing essential items.
• Travel Delay Expenses: If your travel is delayed for 6 hours or more, you will be paid $200 for the initial 6 hours and thereafter $200 for every 24 hours for your meals and accommodation.
• Alternative Transport Expenses: If your arranged transport is delayed and you have to make alternative arrangements, you will paid for the alternative transport arrangement you made.
• Personal Liability: If you cause bodily harm to someone or damage someone else’s property, you will be reimbursed legal expenses for settling or disputing the claim.
• Rental Vehicle Insurance Excess: You will be reimbursed rental vehicle insurance excess or cost of vehicle repair if the vehicle is involved in an accident, is stolen or damaged while you hired it.

I need to make a claim...how do I do that?

To make a claim, simply download a claim form from www.travelclaims.com.au, fill it out and submit it. You can also call Allianz to speak to a representative and make a claim over the phone on 13 1000. If you have an emergency, you can call Allianz Travel Assistance on 1800 010 075.

I have some questions about Allianz

• Can I make changes to my policies?

  Yes. If you find that your return to Australia has been delayed because of travel delays or a reason covered by your policy, you can extend your policy for no additional charge. Apart from this, you can apply to have the terms and period of your cover altered or deferred through Allianz’s website or over the phone.

• Am I covered for pre-existing conditions?

  Basic travel plans do not cover pre-existing conditions. However, with all other policies, you can apply for cover for the following pre-existing conditions:

  • Acne
  • Asthma
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts, dry eye syndrome & congenital blindness
  • Cleft palate
  • Cochlear implants
  • Coeliac disease

  • Deafness
  • Conjunctivitis
  • Dengue fever
  • Diabetes (types 1 or 2)
  • Glaucoma
  • Hay fever
  • Hypothyroidism
  • Pregnancy

  High-risk diseases must be applied for and may affect your excess and premiums.

• Is there a cooling off period?

  Yes. Should you change your mind about cover, you have the right to cancel it within 14 days of the issue of the Certificate of Insurance. You’ll get a full refund of your paid premium, provided you haven’t started travelling or made a claim. You can still cancel your policy after this date but you will forfeit any premium you have paid.

• What additional benefits can I purchase?

  You can also purchase additional cover, such as:

  Snow cover – Be it the Swiss Alps or Thredbo, you’ll be covered for:

  • Emergency rescue
  • Damage, theft or loss of your own snow sport equipment
  • Snow sport equipment hire
  • Bad weather and avalanche closure

  Cruise cover – If you prefer to travel by sea, you can get covered for:

  • Medical costs while cruising
  • Emergency dental expenses
  • Evacuation cover (ship to shore)
  • Cabin confinement

  • Pre-paid shore excursion cancellation
  • Formal cruise attire lost or damaged
  • Marine rescue diversion