Travelling to new places can be exciting and adventurous, but it also exposes you to a lot of risks that can ruin your vacation. This is where travel health insurance comes in handy. Allianz Travel Health Insurance is one of the best travel insurance options available in the market. In this article, we will provide you with a complete guide to Allianz Travel Health Insurance, including its benefits, coverage, exclusions, types, and cost.
What is Allianz Travel Health Insurance?
Allianz Travel Health Insurance is a type of travel insurance that protects you against medical emergencies and unexpected illnesses when you are travelling abroad. It is ideal for frequent travellers, students, and expatriates who need comprehensive coverage when travelling overseas. Allianz Travel Health Insurance offers 24/7 customer support, worldwide coverage, and emergency medical assistance in case of any medical emergency.
Why do you need Allianz Travel Health Insurance?
Travelling without health insurance can be risky, especially when you are travelling to a foreign country. Allianz Travel Health Insurance provides you with the following benefits:
- Medical coverage: Allianz Travel Health Insurance covers medical expenses such as hospitalisation, emergency medical evacuation, and repatriation of remains.
- Trip cancellation coverage: Allianz Travel Health Insurance reimburses you for non-refundable expenses when you have to cancel your trip due to unforeseen circumstances such as illness or death.
- Baggage coverage: Allianz Travel Health Insurance reimburses you for lost or stolen baggage and personal items.
- Travel delay coverage: Allianz Travel Health Insurance reimburses you for additional expenses incurred due to a travel delay or interruption.
- 24/7 customer support: Allianz Travel Health Insurance provides you with 24/7 customer support and medical assistance in case of an emergency.
What does Allianz Travel Health Insurance cover?
Allianz Travel Health Insurance covers the following:
Medical coverage
Allianz Travel Health Insurance covers the following medical expenses:
- Hospitalisation: Allianz Travel Health Insurance covers the cost of hospitalisation if you need to be admitted to a hospital due to an illness or injury.
- Emergency medical evacuation: Allianz Travel Health Insurance covers the cost of an emergency medical evacuation if you need to be transported to a hospital that can provide the necessary medical treatment.
- Repatriation of remains: Allianz Travel Health Insurance covers the cost of repatriating your remains to your home country in case of your death while travelling.
Trip cancellation coverage
Allianz Travel Health Insurance covers the following non-refundable expenses if you have to cancel your trip due to unforeseen circumstances:
- Airfare: Allianz Travel Health Insurance covers the cost of non-refundable airfare.
- Hotel: Allianz Travel Health Insurance covers the cost of non-refundable hotel reservations.
- Tour packages: Allianz Travel Health Insurance covers the cost of non-refundable tour packages.
Baggage coverage
Allianz Travel Health Insurance covers the following items:
- Lost or stolen baggage: Allianz Travel Health Insurance reimburses you for the cost of lost or stolen baggage and personal items.
- Baggage delay: Allianz Travel Health Insurance reimburses you for the additional expenses you incur when your baggage is delayed for more than 24 hours.
Travel delay coverage
Allianz Travel Health Insurance covers the following expenses:
- Additional accommodation and transportation expenses: Allianz Travel Health Insurance reimburses you for the additional expenses you incur when your travel is delayed for more than 12 hours.
- Trip interruption: Allianz Travel Health Insurance reimburses you for non-refundable expenses if you have to cut short your trip due to unforeseen circumstances.
What does Allianz Travel Health Insurance exclude?
Allianz Travel Health Insurance has certain exclusions, which are:
- Pre-existing medical conditions: Allianz Travel Health Insurance does not cover pre-existing medical conditions that were known before purchasing the policy.
- Self-inflicted injuries: Allianz Travel Health Insurance does not cover self-inflicted injuries or suicide attempts.
- Participation in dangerous activities: Allianz Travel Health Insurance does not cover injuries that result from participating in dangerous activities such as skydiving, bungee jumping, or mountaineering.
- Illegal activities: Allianz Travel Health Insurance does not cover injuries that result from engaging in illegal activities.
Types of Allianz Travel Health Insurance plans
Allianz Travel Health Insurance offers four types of plans:
1. Single-trip plan
A single-trip plan provides coverage for a specific trip, ranging from a few days to several months. It is ideal for travellers who travel once or twice a year.
2. Multi-trip plan
A multi-trip plan provides coverage for an unlimited number of trips taken within a year. It is ideal for frequent travellers who travel more than twice a year.
3. Student plan
A student plan provides coverage for students who are studying overseas. It includes coverage for medical expenses, emergency medical evacuation, and repatriation of remains.
4. Expat plan
An expat plan provides coverage for expatriates who are living overseas for an extended period. It includes coverage for medical expenses, emergency medical evacuation, and repatriation of remains.
How much does Allianz Travel Health Insurance cost?
The cost of Allianz Travel Health Insurance depends on the type of plan you choose, the length of your trip, and the coverage you require. As an example, the cost of a single-trip plan for a two-week trip to Europe for a 30-year-old person can range from $40 to $100. The cost of a multi-trip plan for a year can range from $130 to $400 depending on your age and destination.
FAQ
1. How do I purchase Allianz Travel Health Insurance?
You can purchase Allianz Travel Health Insurance online or by calling their customer service. You need to provide your travel details and personal information to get a quote and purchase the policy.
2. What documents do I need to file a claim?
You need to provide the following documents to file a claim:
- Proof of claim: You need to provide evidence of the loss or damage you suffered.
- Medical reports: You need to provide medical reports, bills, and receipts for medical expenses.
- Police reports: You need to provide police reports if your baggage was stolen or you were a victim of a crime.
- Travel itinerary: You need to provide your travel itinerary to show proof of your travel dates.
3. How long does it take to process a claim?
The time taken to process a claim depends on the complexity of the claim and the availability of documents. It can take up to two weeks to process a claim, but some claims can be processed within a few days.
4. Can I cancel my policy?
You can cancel your policy within a specific time frame after purchasing it. Allianz Travel Health Insurance offers a 10-day money-back guarantee, provided you have not started your trip or filed any claims.
5. Does Allianz Travel Health Insurance cover pre-existing medical conditions?
No, Allianz Travel Health Insurance does not cover pre-existing medical conditions that were known before purchasing the policy.
6. Can I extend my policy if my trip is extended?
Yes, you can extend your policy if your trip is extended. You need to contact Allianz Travel Health Insurance before your policy expires to get an extension.
7. Does Allianz Travel Health Insurance offer 24/7 customer support?
Yes, Allianz Travel Health Insurance offers 24/7 customer support and emergency medical assistance.
Plan type |
Features |
Cost range |
|---|---|---|
Single-trip plan |
Covers a specific trip |
$40 to $100 |
Multi-trip plan |
Covers unlimited trips per year |
$130 to $400 |
Student plan |
Covers medical expenses, emergency medical evacuation, and repatriation of remains for students studying abroad |
Varies depending on the coverage required |
Expat plan |
Covers medical expenses, emergency medical evacuation, and repatriation of remains for expatriates living overseas |
Varies depending on the coverage required |