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Allianz Travel Insurance [Review]

 

This Travel Insurance Review

Alicia Hempstead - Drewberry
Written by:
Alicia Hempsted
Content Manager at Drewberry
⏰  7 min read

Founded

1890

Company Type

Public Company

Company Overview

Allianz Global Assistance is one of the international brand names of Allianz Group, one of the leading international providers of Travel Insurance, financial services and assistance. Read Drewberry's Allianz Travel Insurance review

Allianz Travel Insurance is offered in 76 countries, with four specific levels of cover available: Bronze, Silver, Gold, and Backpacker Travel Insurance.

Underwritten by AWP P&C SA, Allianz Travel Insurance policies offer competitive cover for your travels along with several optional cover add-ons to tailor your policy to your specific needs.

Review the key facts about Allianz Travel Insurance.

Allianz Travel Insurance Review

Allianz Travel Insurance policies include several additional cover options that can be added to your policy, such as Wedding Cover, Business Cover, and Golf Cover.

 

Allianz Global Assistance offers specialised Backpacker Travel Insurance which tailors your cover to give you exactly what you need at the most affordable cost. It is available only as a Single-Trip policy.

 

Allianz offer a comprehensive Annual Multi-Trip Travel Insurance that is perfect for families, couples, or individuals that enjoy regularly travelling and exploring.

 

If you take out Single-Trip Travel Insurance from Allianz, you can choose to add optional cover for Accidental Damage Excess / Deposit Reimbursement. This cover will refund you the excess / deposit amount for a rental vehicle if it is accidentally damaged, involved in an accident, or stolen during the rental period.

 

As well as providing a comprehensive list of hazardous activities that are covered by your Allianz policy, in some cases it may be possible to negotiate cover for certain activities in exchange for an added premium. This does not, however, apply to professional sports, competitive racing, or manual work.

 

Alliance Global Assistance covers 3 geographical areas that you can choose from when taking out your policy:

  • Europe
  • Worldwide (excluding USA)
  • Worldwide (including USA)
 

Single-Trip policies have limited cover lasting a maximum of 180 days per trip. In comparison, Multi-Trip policies last for the whole year. Trips can be as long as 365 days and you can take as many trips abroad as you want during your period of insurance.

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Allianz Travel Insurance
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Allianz Travel Insurance policies have 4 different levels of cover, including specialised cover for backpackers.

Allianz Travel Insurance Policy Summaries

Allianz offer four different Travel Insurance cover levels: Bronze, Silver, Gold, and Backpacker. These policies vary in their cost and they cover they provide.

Bronze Cover Summary

Allianz Bronze Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£1,000,000

Hospital Benefit

£10 per 24 hours
Maximum £200

Emergency Dental Cover

£350

Personal Accident Benefit

£5,000

Accidental Death Benefit

£1,500

Cancellation Cover

£500

Delay Cover

£10 per 12 hours
Maximum £100
£50 for baggage delayed more than 12 hours

Missed Departure Cover

£250

Baggage Cover

n/a

Currency Cover

n/a

Passport Cover

n/a

Personal Liability Cover

£1,000,000

Legal Cover

n/a

Optional Cover

Winter Sports Cover

  • Ski Pack Cover: £300
  • Equipment Cover: n/a
  • Hired Equipment Cover: n/a
  • Equipment Delay: n/a
  • Piste Closure: £20 per day/ Maximum £200
  • Avalanche Cover: £25 per day / Maximum £250

Golf Cover

n/a

Business Cover

n/a

Wedding Cover

n/a

Silver Cover Summary

Allianz Silver Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£5,000,000

Hospital Benefit

£20 per 24 hours
Maximum £500

Emergency Dental Cover

£350

Personal Accident Benefit

£15,000

Accidental Death Benefit

£1,500

Cancellation Cover

£2,500

Delay Cover

£20 for the first 12 hour delay
£10 per 12 hours following
Maximum £250
£150 for baggage delayed more than 12 hours

Missed Departure Cover

£500

Baggage Cover

£1,500
(£300 per item)
(£400 valuables limit)

Currency Cover

£500
(£250 cash limit)

Passport Cover

£150

Personal Liability Cover

£2,000,000

Legal Cover

£25,000

Optional Cover

Winter Sports Cover

  • Ski Pack Cover: £300
  • Equipment Cover: £400 (£300 per item)
  • Hired Equipment Cover: £200
  • Equipment Delay: £300
  • Piste Closure: £20 per day / Maximum £200
  • Avalanche Cover: £25 per day / Maximum £250

Golf Cover

  • Loss of green fees: £75 per day / Maximum £375
  • Equipment Cover: £1,500 (£300 per item)
  • Delayed Equipment: £20 per day / Maximum £200

Business Cover

  • Replacement Employee: £750
  • Equipment Cover: £300
  • Samples Cover: £150

Wedding Cover

  • Rings: £250 per ring
  • Gifts: £1,000 per couple
  • Clothes: £1,500 per couple
  • Photographs/ Video: £750

Gold Cover Summary

Allianz Gold Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£10,000,000

Hospital Benefit

£40 per 24 hours
Maximum £1,000

Emergency Dental Cover

£350

Personal Accident Benefit

£20,000

Accidental Death Benefit

£1,500

Cancellation Cover

£5,000

Delay Cover

£30 for the first 12 hour delay
£15 per 12 hours following
Maximum £300
£200 for baggage delayed more than 12 hours

Missed Departure Cover

£750

Baggage Cover

£2,000

(£300 per item)
£500 valuables limit)

Currency Cover

£500
(£250 cash limit)

Passport Cover

£250

Personal Liability Cover

£2,000,000

Legal Cover

£25,000

Optional Cover

Winter Sports Cover

  • Ski Pack Cover: £300
  • Equipment Cover: £400 (£300 per item)
  • Hired Equipment Cover: £200
  • Equipment Delay: £300
  • Piste Closure: £20 per day/ Maximum £200
  • Avalanche Cover: £25 per day / Maximum £250

Golf Cover

  • Loss of Green fees: £75 per day / Maximum £375
  • Equipment Cover: £1,500 (£300 per item)
  • Delayed Equipment: £20 per day / Maximum £200

Business Cover

  • Replacement Employee: £1,000
  • Equipment Cover: £500
  • Samples Cover: £350

Wedding Cover

  • Rings: £250 per ring
  • Gifts: £1,000 per couple
  • Clothes: £1,500 per couple
  • Photographs / Video: £750

Backpacker Cover Summary

Allianz Backpack Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£5,000,000

Hospital Benefit

£20 per 24 hours
Maximum £500

Emergency Dental Cover

£350

Personal Accident Benefit

£15,000

Accidental Death Benefit

£1,500

Cancellation Cover

£2,500

Delay Cover

£20 for the first 12 hour delay
£10 per 12 hours following
Maximum £250
£150 for baggage delayed more than 12 hours

Missed Departure Cover

£500

Baggage Cover

£1,500
(£300 per item)
(£400 valuables limit)

Currency Cover

£500
(£250 cash limit)

Passport Cover

£150

Personal Liability Cover

£2,000,000

Legal Cover

£25,000

Optional Cover

Winter Sports Cover

  • Ski Pack Cover: £300
  • Equipment Cover: £400 (£300 per item)
  • Hired Equipment Cover: £200
  • Equipment Delay: £300
  • Piste Closure: £20 per day / Maximum £200
  • Avalanche Cover: £25 per day / Maximum £250

Golf Cover

n/a

Business Cover

n/a

Wedding Cover

n/a

Policy Documents

 

Glossary of Travel Insurance Cover Terms

  • Accidental Death Benefit: If someone under an Allianz Travel Insurance policy dies, this cover will pay out a benefit to cover their funeral.
  • Baggage Cover: This cover will pay out to compensate of you if any of your luggage or personal possessions are damaged, stolen or lost during your travels, provided you have taken the appropriate safety precautions to protect them.
  • Business Cover: If you are travelling for business reasons, this optional cover offers additional protection for you and your belongings, covering company equipment, money, and a replacement employee if you or a worker in your party is unable to travel.
  • Cancellation Cover: If unforeseen circumstances force you to cancel your holiday or cut it short, this cover will refund you some or all of the price of your holiday.
  • Currency Cover: If your holiday money or travel tickets are stolen or lost while you are abroad, this cover will reimburse you for the money you lost.
  • Delay Cover: If your international flight, train, or boat is delayed, this cover will pay out regular benefits over a period of time.
  • Emergency Dental Cover: If you suffer a dental emergency while abroad, this cover will cover the cost of fast emergency dental treatments.
  • Golf Cover: This optional add-on for your policy will pay out to cover personal and hired golfing equipment while you’re abroad as well as cover non-refundable fees if you need to cancel your golfing plans unexpectedly.
  • Hospital Benefit: If you are admitted to hospital while abroad, Allianz will pay out a small benefit for each night you spend in hospital.
  • Legal Cover: This cover will pay out to help you cover legal costs if you want to pursue compensation in the event that you suffer injury or illness while you’re abroad.
  • Medical Cover: This cover will pay out to cover the cost of any emergency medical treatment you may need while outside the UK. This payout can also cover additional travel or accommodation costs associated with your treatment.
  • Missed Departure Cover: Providing you are not to blame for missing your flight, train or boat, your Allianz Travel Insurance policy will pay out to help you afford replacement transportation if you miss your departure.
  • Passport Cover: This cover will pay out if your passport is lost or stolen while you are abroad, helping you afford a fast replacement.
  • Personal Accident Benefit: You will receive a benefit from this cover if you suffer from an accident that results in the loss of a limb or limbs, a loss of sight, or a permanent physical disability.
  • Personal Liability Cover: If an event occurs that you are legally liable to pay for, such as damage to another person’s property or accidental injury, your Allianz Travel Insurance policy will pay out to help you cover the costs associated.
  • Wedding Cover: This cover will protect you and your partner if you intend on getting married abroad, cover the cost of your attire, wedding bands and gifts as well as your photographs and videos of the event.
  • Winter Sports Cover: This add-on extends your policy’s cover to include winter sports. This means that you will be able to receive compensation for bought or rented equipment and pre-paid ski packs and passes. You can also claim for piste closure.

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Review Allianz Travel Insurance key comparison points and features.

Additional Information About Travel Insurance from Allianz

 

Key Comparison Points for Allianz Travel Insurance

  • Allianz does not cover pre-existing conditions unless you have explicitly declared the condition to Allianz beforehand and they have confirmed your cover in writing. If you have been diagnosed with, treated for, had tests for, or taken medication for any health conditions in the 12 months prior to taking out your policy or booking your trip, you will not be able to any claims relating to the condition without declaring the condition.
  • Allianz Single and Backpacker Travel Insurance policies have certain age limits in terms of your policy’s cover. If you exceed these age limits on the date that your policy is issued, you will not be covered:
    • Single Trip: 65 years
    • Backpacker: 36 years
  • Backpacker Travel Insurance from Allianz gives an affordable option for young people that want to take some time out of studying or working to travel. As well as giving them all of the essential cover for their trip, such as medical cover and baggage cover, the policy’s increased excess makes the cover more affordable.
  • Wedding Cover can be added to Single-Trip Allianz Travel Insurance policy, which doesn’t tend to be a common option among providers. This cover option will compensate you for wedding rings, presents, clothes, and photographs if they are lost, stolen or damaged on your journey. This ensures that you can quickly replace what you need and the special day can go ahead as planned.
 

Allianz Travel Insurance Excess

The excess on your policy will only be applied to certain types of claims, such as Cancellation Cover, Baggage Cover, and Personal Liability Cover. Read your policy documents to find out more about where your policy excess is applied.

Cover Level

Excess

Bronze

£100

Silver

£75

Gold

£50

Backpacker

£100

 

Policy Exclusions

Certain limitations apply to you the different types of cover available on your policy. While each cover type has its own specific conditions, there are also some general conditions that apply to your policy. In the following instances, you will not be able to make any claims on your Allianz Travel Insurance policy:

  • War, invasion, act of foreign enemy, hostilities, civil war, rebellion, terrorism, or weapons of mass destruction
  • Any epidemic or pandemic
  • Travelling against the advice of the Foreign and Commonwealth Office, World Health Organisation or any government or other official authority.
  • Any property that is taken, held, damaged or destroyed under the order of any government or customs officials.
  • Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment
  • Malicious or illegal acts committed by persons covered under the policy
  • Any claims resulting from being under the influence of alcohol, solvents or drugs (excluding drugs prescribed by a doctor)
  • Wilful abandonment of your trip due to lack of enjoyment

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REVIEWS
EXCELLENT
4.92 / 5 Average
1604 Reviews
N Dawson
Overall Rating
Great advice from start to finish,all team members really professional and happy to go the extra mile to help. Thoroughly recommend this company to any one .
S Holt
Overall Rating
Michael was very helpful throughout. He was extremely knowledgeable and answered my many questions thoroughly and patiently. He maintained regular contact and informed me of the progress of my application each step of the way. Very professional, friendly and clear. Thank you
N Agarwal
Overall Rating
Very Professional and excellent knowledge
J Bitton
Overall Rating
The help I received in setting up my insurance policy was very efficient; the advisor I spoke to was friendly and professional, leaving me reassured and satisfied with my purchase.
N Dawson
Overall Rating
From initial contact to conclusion of a policy selected Oliver was very professional ,honest and offered sound advice with no pressure to take up specific products discussed. Brilliant service all round and no hesitation in recommending the company. Thanks Very Much