Allianz Australia travel insurance. What’s on offer and how does it work?

Roberto Efflandrin

When travelling abroad, some Aussies have the misconception that the Australian Government would help with medical treatment if necessary.³ While it’s true that there can be limited coverage in some countries where bilateral agreements exist, the reality is there is no coverage for a majority of countries. This is where travel insurance comes in.

Every year hundreds of thousands of Australians submit travel insurance claims. Some of the most common issues are flight cancellations or delays, medical treatment, lost luggage and damaged personal items.

This guide will help you learn what you need to know about Allianz travel insurance, including the plans, benefits and exclusions.

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Travel insurance with Allianz

You can purchase domestic or international travel insurance from Allianz. The policies are designed to cover the costs if unexpected events were to take place which impact your travels, such as medical emergencies, missing luggage or flight delays.

Allianz travel insurance packages

Allianz have four travel insurance plans to choose from.¹

Basic Travel Insurance

Just covering the essentials, Basic Travel Insurance is for a single overseas trip and offers coverage for overseas emergency assistance, overseas medical and hospital expenses, and personal liability.

Comprehensive Travel Insurance

For a higher level of coverage there’s the Comprehensive Travel Insurance policy. This option includes a range of benefits, such as coverage for overseas medical and hospital expenses, unexpected trip cancellations and loss of personal effects.

Domestic Travel Insurance

As you can probably guess from the name, Domestic Travel Insurance is for a single trip within Australia. It offers coverage for things like travel delay expenses, damage to personal effects and rental vehicle excess.

Multi-Trip Travel Insurance

If you travel multiple times a year you can buy a multi-trip Comprehensive or Domestic plan. Within a 12 month period, this plan covers multiple journeys up to the maximum trip length you’ve chosen, which can be 15, 30 or 45 days.

Additional extras

Depending on the policy, you may be able to purchase some additional coverage on top of the main policy. These are some of the extras Allianz offer.

  • Adventure Pack
  • Cruise Pack
  • Snow Pack
  • Increased Item Limits Cover

Who administers travel insurance on behalf of Allianz

Allianz is an insurance company so while there is a bit of a corporate structure in between, they ultimately administer their own policies and are also the underwriter.¹

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What are the main benefits of travel insurance with Allianz

The main benefits for the international travel insurance policies centre around healthcare. Both the Comprehensive and Basic plans providing coverage for these benefits.²

  • Overseas Emergency Assistance
  • Overseas Medical and Hospital Expenses
  • Funeral Expenses
  • Personal Liability

For the Domestic policy healthcare is not a priority due to the existence of Medicare. These are some of the main benefits it offers instead.

  • Accidental Death
  • Additional and Travel Delay Expenses
  • Luggage and Personal Effects
  • Rental Car Excess

Types of coverage offered by Allianz travel insurance

To give you more of an idea of the coverage amounts, here’s a quick look at a some of the benefit limits for the single benefit Comprehensive, Basic and Domestic plans.²

Benefit Basic Plan Limits Comprehensive Plan Limits Domestic Plan Limits
Overseas Emergency Assistance $20 million $20 million None
Overseas Medical Expenses $20 million $20 million None
Travel Delay Expenses None $2000 (sub-limits apply) $2000 (sub-limits apply)
Personal Liability $2.5 million $5 million $5 million
Rental Car Excess None $6000 $6000

As seen on 5 November 2023

For more information about some of the other benefits or to find the limits for duo benefit or family benefit policies, you can check the latest PDS on the Allianz website.

Allianz travel insurance main fees

The cost of an Allianz travel insurance policy varies depending on a number of factors including your age, destinations, number of people on the policy, date of purchase, chosen excess and pre-existing medical conditions.²

The easiest way to see what a travel insurance policy would cost you is to get an online quote from Allianz.

What’s not covered under this travel insurance

Like most travel insurance providers, there’s certain things Allianz won’t cover. These are some of their general exclusions, which aren’t covered unless your policy specifically says it is.²

  • Cruising unless you’ve purchased the Cruise Pack
  • Claims arising from or relating to an epidemic or pandemic, unless it’s expressly covered in the policy
  • Pregnancy related claims unless you meet certain eligibility requirements
  • Diving or riding a vehicle as the driver without a valid licence
  • Claims arising from substance or alcohol addiction

Eligibility for Allianz travel insurance

There’s a few eligibility criteria that apply if you want to purchase an Allianz travel insurance policy in Australia.²

  • You have a permanent home in Australia

  • You come under one of the following categories:

  • Permanent resident of Australia

  • Hold a valid Australian Medicare card

  • Have an Australian visa (not a tourist or working holiday visa) that’s valid after your trip ends and allows unrestricted entry into Australia

  • The policy is purchased before your journey commences

  • Your journey starts and ends in Australia

There’s also age limits to keep in mind; the Basic Plan and Multi-Trip Plan are only available to people aged under 75 when the Certificate of Insurance is issued.

How to get travel insurance with Allianz

When you buy a policy with Allianz there are three documents that make up your policy.² These are usually emailed to you.

  • Product Disclosure Statement
  • Certificate of Insurance
  • Medical Terms of Cover (if applicable)

If you’re asked to prove that you have travel insurance you can show your Allianz Certificate of Insurance.

Making a claim with Allianz travel insurance

In the event that you need to make a claim, you’re required to let Allianz Global Assistance know as soon as possible. There’s couple ways to submit the information for a claim.²

  • Lodge the claim online
  • Email or call Allianz Global Assistance and ask for a claim form. The claim form needs to be completed then emailed or mailed back.

Depending on the nature of the claim you may be asked for supporting documents.

  • Proof of purchase for an item that’s lost, damaged or stolen
  • A police report
  • Documents from the airline
  • Bills from the medical care provider

A word on Allianz travel insurance and COVID-19

If you contract COVID-19 you may be covered under these sections, if they’re included in the plan you purchased.²

  • 1.1 Overseas Emergency Assistance
  • 1.2 Overseas Emergency Medical & Hospital Expenses
  • 1.3 Funeral Expenses
  • 2.1 Cancellation
  • 3.1 Additional Expenses

Additional things to keep in mind

Here’s a couple other things you’ll want to keep in mind when purchasing an Allianz policy.

  • Make sure you read the PDS thoroughly to ensure the plan you’re looking at provides the coverage you need.
  • If you decide to extend your trip you need to contact Allianz prior to the original policy expiring to determine whether you would be eligible for an extension, and what the cost would be.²

Contacting Allianz

There are a few ways to get in touch with Allianz if you have any questions about their travel insurance plans.

  • Within Australia call 13 10 00
  • Outside of Australia phone +61 2 8988 9581
  • Complete and send the online contactform

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Sources:

  1. Allianz - Travel Insurance
  2. Allianz - Travel Insurance PDS
  3. Smart Traveller - CHOICE travel insurance buying guide

Sources checked on: 5 November 2023


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