Allianz Care Travel Insurance Review

With over a century of experience in the insurance industry, Allianz is recognized as a global leader servicing over four million Australians. Allianz Global Assistance, the brand’s local operating arm, manages and processes claims, embodying Allianz’s commitment to reliable support.

Founded in 1914 as Manufacturers Mutual Insurance, Allianz Australia reflects the global reputation of the Allianz Group, one of the world’s largest insurers. Allianz’s heritage, marked by steady expansions and partnerships, reinforces its purpose to help secure the future of individuals, families, and businesses.

The Allianz brand’s enduring presence in Australia reflects its commitment to excellence and adaptability, illustrated by numerous industry recognitions and continuous service innovation.

🔎 Date Established	1914, originally as “Manufacturers Mutual Accident Insurance Association Limited,” travel insurance has been offered since the mid-2000s
📌 Headquartered	Brookfield Place, Sydney, Australia
📍 Regulation and Compliance	Adheres to Australian and global insurance codes and standards; holds relevant licenses
📉 Type of Travel Insurance Plans Offered	Comprehensive Plan, Basic Plan, Domestic Plan, Multi-Trip Plan, Non-Medical Plan
📈 Key Cover Areas	Emergency medical expenses, trip cancellation, baggage loss, personal liability, rental vehicle excess
📊 Emergency Assistance Services	24/7 global support via Allianz Global Assistance, includes medical and travel logistics
💹 COVID-19 Cover	Cover for medical expenses, trip cancellation, additional quarantine expenses if diagnosed
⬆️ Maximum Cover Limits	Medical: Unlimited; Luggage: Up to AUD 10,000; Liability: AUD 5 million
⚽ Adventure and Sports Cover	Optional packs for Adventure, Snow, and Cruise cover higher-risk activities
🗃️ Claims Submission Process	Online claim submission and tracking; processed within ten business days of document receipt
⏰ Average Claim Settlement Time	Typically, within 10 business days if complete documentation is provided
🥰 Customer Support Availability	24/7 emergency support; general assistance hours not specified
📲 Mobile App and Digital Services	Online portal for policy management and claims; no specific mobile app
🫶 Customer Reviews and Ratings	Between 4.3 and 4.4 out of 5
💶 Annual Premium Range	Example pricing: Basic Single Plan from $218; Comprehensive Single Plan from $306
🚩 Exclusions and Limitations	War, terrorism, pandemics without policy endorsement, high-risk activities without add-ons
🎉 Discounts and Promotions	Not specifically relating to travel insurance
⏹️ Policy Limits and Flexibility	Cover extensions possible, varied options for plan duration and policy customizations
🌎 Global Reach and Market Presence	Serves over 4 million customers in Australia; part of Allianz Group in 70+ countries

Allianz Care Plan Comparison and Overview

🔎 Plan Option	📍 Features	💶 Min and Max Premium	📌 Cover Limits	❌ Exclusions	❤️ Ideal For	🚨 Emergency Assistance	📲 Mobile App Offered	🎉 Discounts Available
🥇 Comprehensive Plan	Extensive protection for international or domestic travel, high cover limits for medical emergencies, trip cancellations, and lost belongings, includes 24/7 emergency assistance	From $306.85 per trip	High limits for medical expenses, cancellations, and belongings; 24/7 assistance	High-risk activities without Adventure Pack, undeclared pre-existing conditions, disruptions from civil unrest	Travelers seeking full protection	Yes, 24/7 via Allianz Global Assistance	Yes	Higher base excess reduces premium cost
🥈 Basic Plan	Essential cover for budget-conscious travelers, including emergency medical expenses, basic cancellation cover, and personal liability	From $218.11 per trip	Lower cover caps for medical and trip-related risks	High-risk activities, certain pre-existing conditions, and optional add-ons like Snow Pack	Budget-conscious travelers	Yes, basic 24/7 assistance	Yes	N/A
🥉 Domestic Plan	Cover for non-medical emergencies within Australia, including trip cancellations, lost belongings, and travel delays	From $188.97 per trip	Covers cancellations, belongings, and domestic trip-related risks	Overseas medical assistance, high-risk activities, and some transport disruptions	Domestic travelers	Yes, for domestic emergencies	Yes	N/A
🏅 Multi-Trip Plan	Designed for frequent travellers with unlimited trips over 12 months, with a choice of trip duration limit (15, 30, or 45 days). Covers medical, lost belongings, and personal liability	From $673.79 annually for domestic, $1,958 for international	Emergency medical cover, personal liability, and belongings for each trip within limits	High-risk activities without Adventure Pack, undeclared pre-existing conditions, civil unrest disruptions	Frequent travelers	Yes, for each covered trip	Yes	Cost-effective for frequent travel

Travel Insurance Plans and Cover Options

Comprehensive Plan

Allianz’s Comprehensive Plan is for anyone who needs extensive protection while traveling internationally or domestically.

🔎 Category	📌 Details
📉 Benefits	Emergency medical and hospital expenses for overseas travel, trip cancellation and interruption, lost belongings and luggage, and personal liability, 24/7 access to Allianz Global Assistance, cover for certain pre-existing conditions if declared, COVID-19 benefits
📈 Exclusions	High-risk activities without an Adventure Pack, undeclared pre-existing conditions, incidents under drug or alcohol influence, disruptions due to strikes or civil unrest
📊 Premium Estimate	From $306.85 for a single trip, based on one month of cover for a 25-year-old traveler with a $200 excess. Additional costs apply for optional add-ons

Basic Plan

The Basic Plan targets budget-conscious travelers and has essential protection covering emergency medical expenses, trip cancellations, and personal liability.

🔎 Category	📌 Details
📉 Benefits	Essential emergency medical expenses, basic trip cancellation cover, personal liability, 24/7 emergency assistance with some COVID-19 benefits
📈 Exclusions	High-risk activities, pre-existing conditions, optional add-ons like Snow Pack
📊 Premium Estimate	from $218.11 for a single trip, based on one month of cover for a 25-year-old traveler with a $200 excess

Domestic Plan

The Domestic Plan offers non-medical emergency cover for anyone traveling within Australia like trip cancellations, lost or stolen luggage, and travel delays.

🔎 Category	📌 Details
📉 Benefits	Trip cancellation and interruption of lost belongings and luggage, rental vehicle excess, and personal liability for domestic travel accidents
📈 Exclusions	Overseas medical assistance, high-risk activities, alternative transport expenses, pre-existing conditions
📊 Premium Estimate	From $188.97 for a single domestic trip cover, based on one month for a 25-year-old traveler with a $200 excess

Multi-Trip Plan

The Multi-Trip Plan is ideal for frequent travelers and offers unlimited trips within 12 months. Cover applies to journeys with a minimum 250-kilometer travel distance from home, and travelers can choose a trip duration limit of 15, 30, or 45 days for each journey.

🔎 Category	📌 Details
📉 Benefits	Unlimited trips within a year, emergency medical expenses for international trips, lost belongings, personal liability, COVID-19 benefits
📈 Exclusions	High-risk activities without Adventure Pack add-on, undeclared pre-existing conditions, events related to civil unrest
📊 Premium Estimate	From $673.79 per year for domestic travel and $1,958 per year for international cover, based on one month for a 25-year-old traveler with a $200 excess

Key Features and Benefits of Allianz Care Travel Insurance

Allianz lets travelers enhance their cover when they add specialized packs covering high-risk or unique travel activities. These add-ons allow policyholders to tailor their cover.

Adventure Pack includes covers for sports and adventures that are not included in the standard policies. Cover applies to activities like mountain climbing, scuba diving, and snowboarding, making it a suitable option for thrill-seekers who want added security.
Snow Pack covers skiing, snowboarding, and related equipment. It also includes compensation for unused lift passes and ski gear rentals if the trip is interrupted or delayed due to unforeseen events.
Cruise Pack protects events that could occur specifically on a cruise, such as medical evacuations from the ship or cover for canceled shore excursions.

Increased Item Limit Cover provides higher limits on personal belongings for those traveling with expensive items.

Family and Group Travel Benefits

Allianz caters to families and groups with a cover that ensures every traveler’s protection is streamlined and accessible. Family and group travel options under Allianz include:

Single Cover includes the primary insured person and any dependents under 25 traveling with them. Dependents must be listed on the Certificate of Insurance and share the same travel itinerary.
Duo Cover covers individuals listed on the Certificate of Insurance. However, it doesn’t extend to children or other dependents.

The Family Plan covers a primary insured traveler, their spouse or partner, and dependents under 25, making it suitable for family vacations. All insured family members must be listed on the Certificate of Insurance and share at least 75% of the travel period.

COVID-19 and Pandemic-Related Cover

Allianz has adapted its policies to include certain COVID-19-related benefits, including the following:

Trip Cancellation Due to COVID-19: If a traveler contracts COVID-19 and is forced to cancel their trip, Allianz provides cover for non-refundable expenses, helping mitigate financial losses.
Overseas Medical and Hospital Cover for COVID-19: Should a policyholder contract COVID-19 while traveling abroad, Allianz covers medical expenses, including hospitalization costs and emergency medical evacuations, as long as the traveler adheres to the policy guidelines.

Additional Accommodation and Travel Expenses: If a traveler must quarantine or face unexpected delays due to COVID-19, Allianz covers reasonable additional accommodation and travel expenses until they can resume their journey or return home.

Allianz Care Travel and Health Cover Overview

Allianz Travel Insurance has health and emergency support benefits with essential protection for travelers with medical issues or who face emergencies abroad.

These benefits include cover for emergency medical expenses, hospital stays, and evacuation needs, making Allianz an ideal choice for travelers who need comprehensive health-related cover for their journeys.

Emergency Medical and Hospital Cover

One of Allianz’s foundational benefits is emergency medical and hospital expense cover, which applies if a policyholder experiences unexpected illness or injury while traveling internationally.

This cover includes costs for hospital admissions, medical treatments, surgeries, and prescribed medications required for immediate care.

Allianz covers emergency dental treatments for acute dental issues that arise suddenly, helping alleviate unexpected costs for urgent dental care. Travelers can receive necessary medical support in inpatient and outpatient settings, ensuring their health is safeguarded during their journey.

Repatriation and Medical Evacuation

Allianz arranges medical evacuations to a more appropriate facility or repatriation to Australia for severe medical cases where local facilities cannot provide adequate treatment. This cover includes comprehensive support for coordination and transportation costs so that travelers can receive necessary medical attention even if it involves relocation.

Allianz’s global support network lets policyholders access 24/7 support for arranging complex logistical needs in foreign countries, offering peace of mind for travelers and their families.

Specific Considerations for Travellers with Pre-Existing Conditions

Allianz has options for certain pre-existing medical conditions following a thorough disclosure and assessment process.

If a pre-existing condition is approved, Allianz will include it in the policy under specific terms, often requiring an additional premium or a special excess for claims related to that condition.

However, not all conditions are eligible for cover, especially if undiagnosed or under active investigation.

Pregnancy-Related Travel Health Cover

Allianz covers unforeseen complications arising before the 24th week of pregnancy for pregnant policyholders if the issues were not anticipated at the time of policy purchase.

This benefit includes emergency medical assistance for unexpected health events affecting the pregnancy but excludes routine antenatal care and childbirth.

Allianz requires that travelers with high-risk pregnancies or those carrying multiple fetuses undergo an assessment for additional approval.

Pricing, Premiums, and Value for Money

Allianz Travel Insurance provides multiple plans with flexible excess options, letting travelers customize their premium and cover levels to align the policy with their financial expectations.

Here’s a breakdown of Allianz’s pricing approach, including premium structures, cover-to-cost comparisons, and available payment options.

General Pricing (Premiums and Excess)

Allianz Travel Insurance calculates its premiums based on the plan, the excess level, and optional add-ons, with government fees and taxes factored into the final cost.

Premiums

Here is a summary of the starting premiums for single travelers based on a one-month policy for a 25-year-old:

Basic Single Plan: From ±$218.11 with a $200 base excess.
Comprehensive Single Plan: Priced from ±$306.85 with extensive cover across trip-related risks.
Domestic Plan: From ±$188.97 with non-medical cover within Australia.
Multi-Trip Plan: This plan starts from ±$673.79 annually for domestic travel and $1,958 for international cover.

Excess

Base Excess: The base excess is the initial amount policyholders must pay out-of-pocket on a claim before Allianz covers the remaining balance. Allianz allows policyholders to adjust this excess based on budget and cover preferences:
Increasing the Excess: Opting for a higher base excess reduces the overall premium, making this a suitable option for budget-conscious travelers comfortable with a higher upfront claim cost.

Moreover, Choosing a lower excess leads to a higher premium, offering travelers reduced out-of-pocket costs at claim time. This option benefits those who have minimal claim-related expenses.

Allianz Care Travel Insurance Discounts and Incentives

Allianz Travel Insurance has some incentives that can help travelers manage premium costs. Although specific seasonal or loyalty discounts are not prominently outlined on the official website, Allianz offers structured incentives for frequent travelers and families within its pricing model. Here’s a breakdown of available discounts and incentives and the eligibility criteria.

Multi-Trip Plan Savings: Frequent travelers can benefit from Allianz’s Multi-Trip Plan, which covers unlimited trips within 12 months.
Adjustable Base Excess: Allianz lets policyholders adjust their base excess, allowing them to lower the premium by choosing a higher excess amount.

Moreover, Allianz’s family and duo cover options consolidate all members under a single policy, potentially reducing the overall cost per person.

How Do I Apply For Travel Insurance with Allianz Care?

Applying for Allianz Travel Insurance is easy but requires some preparation with the correct documentation and understanding of each step. Below is a step-by-step guide to help travelers navigate the application process and the key documents required for verification and eligibility.

1. Step 1: Choose a Plan

Review Allianz’s options (Basic, Comprehensive, Domestic, Non-Medical, or Multi-Trip) to find the right one for your needs.

2. Step 2: Check Eligibility

Ensure you meet residency and travel requirements. You may need to provide proof, such as a Medicare card, Australian visa, or passport.

3. Step 3: Enter Details

Provide your name, age, travel dates, and destinations.

4. Step 4: Select Add-Ons

Choose any optional add-ons, like the Adventure Pack or Snow Pack, if needed.

5. Step 5: Adjust Excess Level

Set the base excess level to balance your premium cost and claim expenses.

6. Step 6: Health Assessment

If you have pre-existing conditions, Allianz may request a health assessment.

7. Step 7: Review Details

Check cover details, exclusions, benefits, and premium totals. You have a 14-day cooling-off period to cancel for a refund.

8. Step 8: Complete Payment

Choose a payment option (annual or monthly) and finalize the transaction.

After payment, Allianz will issue your Certificate of Insurance with your cover details.

Key Documentation Required

To make your application smooth and quick, have these documents ready: your passport for identification and to confirm travel dates, an Australian Medicare card or residency documentation to prove eligibility, your travel itinerary for accurate dates and destinations (especially for Multi-Trip policies), and health information if you have a pre-existing medical condition, to speed up the health assessment process.

How Can I Claim For Travel Insurance with Allianz Care?

Allianz provides a structured claims process that helps policyholders submit and manage claims efficiently. The steps below ensure that the claim is processed smoothly, with clarity on required documents and typical processing times.

How to Submit a Claim

If your trip needs to be canceled or interrupted, notify Allianz Global Assistance as soon as possible via their 24-hour emergency hotline.
For lost or stolen belongings, report the incident to local authorities and obtain a written police report. If luggage is damaged or misplaced by a transport provider, report it immediately to the transport company and request a written report or settlement offer. Allianz will require these documents for the claim.
Submit your claim online using Allianz’s claim portal or request a claim form via email or post.
Attach the supporting documents like medical reports, purchase receipts, and any valuation documents for lost items. If any documents are in a language other than English, include translated copies.
Pay the base excess amount specified in your Certificate of Insurance.

Supporting Documentation

Medical Reports: For any illness or injury claims.
Proof of Purchase: Receipts or valuations for lost or damaged items.
Police Reports: For any incidents involving theft or loss of belongings.
Transport Reports: Written confirmation from airlines or transport providers for luggage delays or damages.
Translation (if needed): Translated documents for non-English paperwork to avoid processing delays.

Processing Times

Once Allianz receives the completed claim form and all required documentation, they will review and process claims within ten business days.

Allianz pays claims in Australian dollars, depositing funds directly into the claimant’s nominated bank account based on the currency exchange rate applicable on the date of incurred expense.

Can I add more than one person to my Allianz Care Travel Insurance Policy?

Allianz Travel Insurance lets policyholders add family members or travel companions under a single policy, making it convenient for those traveling with loved ones.

Policyholders can ensure that eligible individuals receive protection tailored to their travel group by choosing an appropriate cover type.

Allianz offers cover options that accommodate family members under the Family Plan. Here are key details for adding individuals to a policy:

Family Plan Eligibility

The Family Plan allows policyholders to include spouses, partners, and dependent children or grandchildren who travel with them.
Eligible dependents include children, grandchildren, stepchildren, adopted or foster children, and those under legal guardianship, as long as they are under 25 and not in full-time employment.
All covered individuals must share the same travel itinerary and be present for the entire journey.

Duo Cover

The Duo Plan covers two adults, typically for partners or friends traveling together. This plan doesn’t extend to children or other dependents.

Adding Travellers Post-Purchase

Allianz could allow modifications if a policyholder needs to add a traveler after issuing the policy. Any changes require direct communication with Allianz’s customer support, as premium adjustments may apply to reflect the updated cover needs.
Allianz’s multi-person cover options are ideal for families and small groups with distinct eligibility criteria, ensuring that all covered individuals receive suitable benefits.

Allianz Care Travel Insurance Upgrades and Downgrades

Allianz Care Travel Insurance policyholders can upgrade or downgrade their cover if travel plans or needs change. By understanding the conditions and timing requirements associated with these adjustments, travelers can ensure their policy aligns with their journey specifics.

Upgrading Cover

Travelers who want to expand their cover with Allianz can add optional packs, subject to an additional premium. Here’s how the upgrade process works:

Optional Add-Ons

Allianz offers add-ons for specialized activities and situations. For instance, the Adventure Pack covers high-risk activities like sports, while the Cruise Pack is tailored for cruise travelers, including medical evacuations from ships.

Policyholders can increase item limits on valuable personal belongings if they travel with high-value equipment if security is ensured for items like electronics or cameras.

Eligibility Considerations

Some upgrades, like activity packs, have age restrictions (e.g., available only for those under 75). Travelers must confirm eligibility when selecting these options.

Timing for Upgrades

Upgrades are best completed before the policy’s start date to ensure all additions are included from when the trip starts. Adding cover once the policy has started won’t always be possible, depending on the type of upgrade.

Downgrading Cover

If travel plans change or certain cover is no longer necessary, Allianz lets policyholders request a downgrade with the following typical conditions:

Process for Downgrades

You must contact Allianz directly for a downgrade because some reductions are only available under certain circumstances. For instance, adjusting to a lower level of cover after the starting date is limited or could require additional approval.

Timing and Cost

Downgrades should be done before the policy starts because mid-policy downgrades involve fees or restrictions. Allianz advises contacting their support team early for the best adjustment process.

Allianz Care Digital Tools and Apps

Allianz Travel Insurance has digital resources that can help enhance user experience, making it easier for policyholders to manage their insurance, track claims, and access support during their travels.

Key Digital Tools and Features

My Allianz Portal

This online platform lets policyholders manage their travel insurance policies. Users can:
Review cover details and access policy documents.
Renew policies and make payments online, all from a secure location.
The portal centralizes policy management, ensuring travelers have essential information readily available.

Online Claims Tracking

Allianz offers an intuitive online claims system that allows customers to file claims and monitor their status in real time. Features include:
Log in with an Online Service Number (OSN) to check for updates.
Submitting documents and communicating with Allianz representatives for additional information needed.

Digital Payment System

Allianz is transitioning to a secure Electronic Funds Transfer (EFT) system, phasing out cheques. Key benefits include:
Faster processing of travel insurance claims and refunds.
Enhanced security for managing reimbursements and payments digitally.

Allianz Care Travel Insurance Additional Services and Benefits

Allianz Travel Insurance offers several valuable services for travelers. These include trip interruption benefits, 24/7 emergency assistance, and travel cancellation support. They also help with replacing lost travel documents, provide access to exclusive discounts through travel service providers, and offer a global medical network.

Additional services include crisis response, medical evacuation, lost luggage assistance, and personal liability cover, ensuring comprehensive support during your travels.

How to Switch to Allianz Care Travel Insurance

Review the terms of your existing travel insurance policy. Check for cover limits, benefits, and any exclusions related to pre-existing conditions. Understanding your current cover helps in comparing it with Allianz’s offerings.

Contact your insurer to inquire about cancellation fees or penalties for terminating your policy.
Determine what type of cover you require from Allianz, like deciding on the plan type (e.g., Comprehensive, Basic, or Multi-Trip) and any additional options, such as adventure sports cover.
Once you’ve received a quote, understand the fees, and are happy that your travel needs will be met, formally cancel your existing policy with the previous insurer.
After canceling your old policy, you can purchase your Allianz Travel Insurance policy online through the Allianz website or by speaking directly with an Allianz representative.
Ensure you have the necessary documents ready for your Allianz policy.

Allianz has a 14-day cooling-off period for new policies. During this time, if you decide the policy isn’t right for you, you can cancel it for a full refund if you haven’t started your journey or made any claims.

Exclusions and Limitations of Allianz Care Travel Insurance

🔎 Exclusion	📌 Details
🧑‍⚕️ Pre-Existing Medical Conditions	Not covered if not disclosed and approved during application.
🥺 Self-Inflicted Harm and Suicide	Claims related to self-inflicted injuries or suicide attempts are excluded.
💊 Drug and Alcohol Use	Incidents under the influence of drugs or alcohol (beyond legal limits) are excluded.
⚡ Reckless and Dangerous Activities	Excludes claims from reckless behaviour or dangerous activities, including extreme sports.
🏈 Participation in Professional Sports	Claims related to professional or competitive sports are not covered.
🔖 Illegal Activities	Claims arising from involvement in illegal or criminal activities are excluded.
🏷️ War, Civil Unrest, and Terrorism	Excludes claims from war, civil unrest, or terrorism unless specified in the policy.
📉 Nuclear and Biological Hazards	Excludes incidents involving nuclear reactions or biological contaminants.
📈 Pandemics and Epidemics	Excludes losses from pandemics unless specified in the policy terms.
🍼 Pregnancy Beyond 24 Weeks	Excludes routine pregnancy care and childbirth after 24 weeks, except for emergencies.
🥰 Mental Health Conditions	Claims related to mental health disorders unless pre-approved conditions are documented.
✈️ Travel to Restricted Regions	Excludes travel to areas with “Do Not Travel” advisories.
🅰️ Unattended Belongings	Excludes claims for lost or stolen items left unattended in public places.
🅱️ Unapproved High-Risk Activities	Excludes participation in high-risk activities not covered by optional packs.

Policy Limits on Claims

Allianz has limits on certain claims, including:

Specific dollar limits apply based on the type of treatment.
Claims for lost or stolen items have caps on reimbursement, depending on the item’s value.

Certain benefits, like luggage loss, have sub-limits that dictate how much can be claimed for specific categories.

Waiting Periods and Claim Conditions

Different claims have waiting periods that determine when cover begins. For instance, trip cancellation coverage often starts from the policy purchase date. Policyholders must meet specific conditions to qualify for claims, including reporting incidents and submitting required documentation.

Cancellation Policies

There is a 14-day cooling-off period where policyholders can cancel their insurance for a full refund, but only if no claims have been made and travel hasn’t started. After the cooling-off period, cancellations can still be made, but refunds might be partial, depending on the cancellation time relative to the policy duration. The refund amount is calculated pro rata, accounting for the unused portion of the policy.

Customer Support

🔎 Contact Method	🅰️ Details	🅱️ Availability
🚨 Emergency Assistance	Within Australia: 1800 010 075, Overseas: +61 7 3305 7499	24/7
✈️ Travel Insurance Inquiries	Phone: 13 1000	Monday to Friday: 8 AM - 9 PM AEDT, Saturday and Sunday: 8 AM - 5 PM AEDT
📌 Claims Support	Phone: 13 10 13	24/7
🖱️ Online Contact	Online form available on the Allianz website	N/A
📍 Interpreter Services	Phone: 13 1000	N/A
💌 Postal Address	Allianz Australia Limited, GPO Box 4049, Sydney NSW 2001	N/A
🌎 Outside Australia	Phone: +61 2 8988 9581	24/7
🥺 Complaints	Fill out a complaints form available on the Allianz website	N/A
🚩 Cancellation	Phone: 13 1000	N/A

Customer Reviews and Satisfaction

🥇 Quick and Helpful Luggage Claim

My luggage was delayed for two days on a recent trip. I bought necessities using Allianz’s cover, and they refunded me quickly. Their help eased a tough situation.

🥈 Smooth Medical Assistance

I became sick on vacation and required medical treatment. Allianz arranged my care and covered the costs easily. Helping made a tense situation easier.

🥉 Reliable Trip Cancellation Support

Unexpected events forced me to cut my trip short. Allianz settled my non-refundable fees immediately and properly. Their dependability has won my future travel faith.

How Do I Submit Feedback or Complaints?

If you have feedback or need to submit a complaint, here’s a step-by-step guide on how to contact Allianz:

Customers can provide feedback or initiate complaints by completing the online feedback form available on the Allianz website, sending an email, or calling the customer support line.
Ensure that all relevant details, including policy numbers and dates, are included in your communication for a prompt response.
Allianz acknowledges complaints within a few days of submission. They aim to resolve complaints within ten business days, though complex issues may require additional time.
If further investigation is needed, Allianz will keep customers informed about the timeline and expected updates.
If the initial complaint isn’t resolved satisfactorily, customers can escalate it by requesting a review from a higher level within Allianz’s support team.
Allianz encourages clear documentation, such as keeping copies of emails or written statements, to support the escalation.

Should internal processes not yield a satisfactory resolution, customers can contact the Australian Financial Complaints Authority (AFCA).

Allianz Care Travel Insurance Awards and Recognition

Allianz received the 2023 Mozo People’s Choice Travel Insurance Award for Excellent Customer Service and Claims Experience, highlighting their strong support and efficient claim handling. They also won the 2023 Mozo Experts Choice Award for Exceptional Quality Travel Insurance, Exceptional Value Cruise Travel Insurance, and Exceptional Quality Annual Multi-Trip Travel Insurance, showcasing their commitment to providing comprehensive and valuable coverage for various travel needs.

Allianz Care Travel Insurance vs ahm vs Bupa Travel Insurance

🔎 Metric	🥇 Allianz Travel Insurance	🥈 ahm	🥉 Bupa Travel Insurance
📌 Plan Name	Comprehensive, Basic, Domestic, Multi-Trip	International Comprehensive, International Medical Only, Domestic	International Plus, International Essentials, Domestic, Annual Multi-Trip
🥇 Premium Range	Basic Single Plan from $218; Comprehensive Single Plan from $306	Varies by area, duration, age, plan type	From $36/month for Essentials, $50/month for Plus
📉 Cover Limits	Medical: Unlimited; Luggage: Up to AUD 10,000; Liability: AUD 5 million	Unlimited medical, up to $10,000 cancellation, $8,000 belongings	Up to unlimited medical overseas, up to $12,000 luggage, $10,000 rental car excess
📈 Key Cover Areas	Emergency medical expenses, trip cancellation, baggage loss, personal liability, rental vehicle excess	Medical, cancellations, belongings, rental car excess	Medical, cancellations, personal liability, emergency assistance, COVID-19 benefits
📊 Exclusions	War, terrorism, pandemics without policy endorsement, high-risk activities without add-ons	Pre-existing conditions, drug/alcohol dependency, elective treatments	Excludes high-risk activities without add-on, pregnancy-related past 24 weeks
📍 COVID-19 Cover	Medical expenses, trip cancellation, additional quarantine expenses if diagnosed	Unlimited medical, cancellation for diagnosis, quarantine costs	Medical costs and trip disruptions for COVID-19
🏈 Adventure Sports Cover	Available via add-on packs	Optional add-ons for snow sports, motorcycle, and water activities	Add-on available for high-risk sports like skiing and diving
🚨 Emergency Assistance	24/7 assistance	24/7 support, direct billing, repatriation, lost documents	24/7 emergency support
📲 Digital Access and Mobile App	Online portal, app availability	Online portal, app availability	Access via the myBupa app and online portal
❤️ Special Features	Add-ons for sports, cruise, adjustable excess	Discounts, free cover for kids under 21, flexible add-ons	Discounts for Bupa health members, flexible limits on baggage and cancellations
⏰ Average Claim Settlement Time	10 business days	~10 working days	10 business days

Who Should Consider Allianz Care Travel Insurance?

🔎 Traveler Type	🅰️ Plan Options	🅱️ Key Benefits
📉 Frequent Travellers	Multi-Trip Plan	Unlimited journeys within 12 months, trip durations up to 45 days, emergency medical cover, trip cancellation, and lost luggage protections
📈 Families	Family Plan	Covers eligible dependents (children/grandchildren), cancellation benefits, emergency assistance
📊 Adventure Travellers	Adventure Pack (add-on)	Cover for high-risk activities tailored for adventure sports
💹 Travelers with Pre-Existing Conditions	Standard Plans (with disclosures)	Covers certain pre-existing conditions, Additional medical attention abroad
💱 Elderly Travellers	Specialized Plans	Comprehensive medical cover for seniors, access to necessary care while traveling

Pros and Cons

✅ Pros	❌ Cons
Adventure and Snow Pack add-ons cover high-risk activities like skiing and scuba diving	Pre-existing medical conditions require approval for cover
Covers emergency medical expenses, including hospital and evacuation costs, for overseas travel	Mental health coverage is restricted
Flexible excess choices allow the customization of premiums based on budgets	Waiting periods apply to some claims
COVID-19 coverage includes trip cancellation, quarantine expenses, and medical costs	Adventure and sports add-ons increase premiums
Options for Basic, Comprehensive, Domestic, and Multi-Trip plans	Pregnancy cover is limited to unforeseen complications before 24 weeks

In Conclusion

Overall, Allianz Travel Insurance has a traveler-focused cover that balances comprehensive protection with user-friendly features. Allianz’s support options go beyond the basics by offering 24/7 assistance and a structured claims process, ideal for travelers who want prompt, reliable help during unforeseen events.

With flexible plans that allow customization, Allianz caters well to individual needs, whether for emergency medical support, travel interruptions, or high-risk activities with add-on packs.

However, we must mention a few exclusions regarding undisclosed pre-existing conditions and high-risk activities not covered by optional packs. Allianz’s digital resources, like the My Allianz Portal and online claims tracking, enhance convenience appealing to tech-savvy users.

Ultimately, we can conclude that Allianz’s commitment to accessibility and detailed support make it a compelling option for those wanting dependable, comprehensive cover backed by a global support network.

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Frequently Asked Questions

What exactly does Allianz Travel Insurance cover?

Allianz Travel Insurance covers travel cancellations, disruptions, medical situations, and luggage concerns. The chosen plan determines the specific perks and limitations.

Can I cancel My Allianz Travel Insurance Policy?

Yes, Allianz provides a review period during which you can cancel your insurance and get a full refund if no claims have been submitted and your trip hasn’t started. The duration of this phase varies according to plan and jurisdiction.

Does Allianz Travel Insurance cover lost or delayed luggage?

Yes, Allianz covers lost, stolen, or delayed baggage. Benefit restrictions and conditions apply as specified in the policy.

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