Specialising in high coverage for travel inconveniences and emergency medical expenses, Allianz Travel’s well-thought-out policies are suitable for both budget and even lavish travellers. Starting from as low as $27, the plans are ideal for travellers looking for high medical cover and travel inconvenience benefits at competitive prices.
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More about Allianz Travel Insurance
With operations in over 70 countries and $1,060.2 billion in assets, Allianz is currently the world’s largest insurance company. In Singapore, travellers can choose from three policy plans, as well as annual or single trip cover, that each features a great blend of value, utility and affordability. So whether you’re looking for comprehensive protection or just a basic level of cover, all the policies come with robust coverage so you can enjoy your overseas travel with an ease of mind.
Find out below if they have a policy that meets your needs and how you could save.
What policies can I choose from and how do they compare?
With Allianz Travel, you have access to three levels of travel cover, Bronze, Silver and Gold.
The policy details in the table below are general overviews of the main inclusions that come with each level of coverage, such as how much medical coverage you are entitled to, what happens if your trip gets cancelled or if you lose your luggage. For more detailed inclusions and to see what conditions and limits apply to each, we recommend you check the policy wording.
Emergency medical, hospital, dental expenses
Accidental death and permanent disablement
Trip cancellation, interruption, postponement and loss of deposits
Rental vehicle excess
Loss of travel documents
Loss of credit card
Loss or damage to checked in luggage
Loss or damage to unchecked luggage and personal effects
Depending on your needs, you may opt for either single or annual coverage:
Annual multi-trip coverage. Covers all journeys made during the year to your selected geographical area, up to a maximum of 90 days per journey. Only Silver and Gold plans are available for annual coverage.
Each plan is offered with the following options:
Individual plan. Provides cover for you and the persons travelling with you as covered in your certificate of insurance.
Family plan. Covers two adults and any number of dependents of either of the two adults that depart from and return to Singapore together. All three levels of cover are available for the family plan.
What does an Allianz Travel policy cover?
Here are some common situations Allianz Travel covers if your policy contains the benefit mentioned:
You get into an accident overseas and require emergency medical attention. Emergency medical covers at least $400,000 for the cheapest plan and without limits for the top tier plan. It covers all eligible medical expenses overseas, such as transportation to the hospital, medical bills and even the cost of a family member or relative to be by your side.
You get robbed of your jewellery. Allianz Travel will pay you for loss of jewellery due to robbery or theft during your overseas trip.
You get into an automobile accident to the rental vehicle you have hired. If you have to claim on a rental vehicle without insurance, you could be facing out-of-pocket expenses that could go up to tens of thousands depending on the severity of the damage. The rental car excess benefit for the Bronze, Silver and Gold plans are $150, $500 and $750 respectively.
You have to undergo emergency surgery a week before your trip. If it’s for a good reason, you can cancel your whole trip and get up to $25,000 in compensation for any unrecoverable loss of cancellation fees, travel deposits and accommodation arrangements that you have paid in advance.
You arrive at your destination, your luggage doesn’t. You will be compensated for each full, consecutive 6-hour luggage delay caused by the carrier. However, make sure to report the delay within 24 hours to an appropriate authority and keep a copy of the written statement.
You pass away on your trip. In the event of your death during your journey, the reasonable costs of either an overseas funeral, cremation or repatriation of your remains back to your home country will be covered.
What doesn’t my policy cover?
There are a number of reasons Allianz Travel could deny your claim:
You have a pre-existing condition that Allianz Travel said it wouldn’t cover.
Your doctor strongly advised against travelling, but you went anyway.
You’re trying to claim for treatments that can reasonably be delayed until your return to Singapore.
You’ve been intoxicated or breaking the law when the incident happened.
You lose your luggage due to negligence.
Your trip is cancelled without reason.
You travel somewhere else outside the geographical area you’ve selected.
Your claim arises from or is in any way related to mental or nervous conditions.
Allianz Travel has provided a rough estimate of the price for the different levels of cover in the table below. However, the cost of your cover depends on factors such as your age, destination and trip length. To find out the exact cost of your required coverage, click here.
Annual multi-trip (Individual)
Pros and cons of Allianz Travel insurance
Full terrorism cover. You’ll be covered against unexpected acts of terrorism whilst you are travelling.
Three levels of cover. Depending on your travel insurance needs, you’ll have three different covers to choose from. There are plans for single travellers, families and frequent flyers.
Unlimited overseas medical coverage. If you purchase the gold plan, you don’t have to worry about exceeding a maximum cap on your emergency hospital, medical or dental expenses.
Automatic policy extension. Your period of cover will automatically extend for up to a maximum 30 days from the date of expiry of the policy free-of-charge if your return to Singapore is delayed by a claimable event.
24-hour emergency assistance. Regardless of where you’re travelling, Allianz Travel has a support team working round the clock to handle your policy purchase, manage your claim and oversee any emergency medical assistance.
Low coverage for personal accident and death. Compared to other insurers, Allianz Travel offers very little in the way of personal accident or death benefits. You (or your beneficiaries) will only be compensated up to $100,000 in the event of such incidents.
No extreme sports coverage.If you want to participate in fun and exciting activities, like mountaineering, skiing, sailing, skydiving, snorkelling or rock climbing, know that Allianz Travel does not cover these activities.
No cover for working overseas. Allianz Travel will not cover you for incidents that occur while working overseas, although you may be entitled to some benefits under the annual multi-trip plan.
Apply for Allianz Travel insurance
If you’ve compared your options and decide to obtain coverage for your overseas trip from Allianz Travel, simply head over to this page. Select the type of cover (single or annual trip), your destination, travel duration and input your personal details. You’ll then receive a quotation for your cover and may proceed to purchase the insurance online.
How do I contact Allianz Travel?
If you have any enquiries, you may reach out to Allianz Travel through these contact details:
24 hour emergency assistance: +65 6327 2215
General enquiries: +65 6327 2210
Here is how to contact Allianz Travel by email if it’s more convenient for you:
Allianz Travel makes it convenient to submit a claim through their online claims portal. Once you click the “Online claims portal” button, you can proceed to provide the necessary information.
The first section will require you to input basic details:
Your policy reference number
Your telephone number
The nature of the claim.
Next, you’ll need to scan and upload other specific types of supporting documentation. Examples include receipts, police reports, medical reports, photo evidence and any other relevant document. Finally, provide your payment details to finalise your claim submission.
Questions you might have
Tokio Marine Insurance Singapore Ltd.
According to the policy wording, if you intend to make changes to your policy details, you need to contact Allianz Travel at +65 6327 2210 and inform them in writing before your departure date. The amendments will only take into effect after you’ve received an insurance endorsement from the insurer.
The maximum duration is 180 days.
Yes. However, the maximum payout for the various cover may differ. Check the policy wording for detailed benefits you are entitled to.
Allianz Travel insurance policies are only available to Singapore residents travelling internationally. The policy coverage is also extended to individuals named on your certificate of insurance.
Yes. The rental vehicle must not be over 10 years of age or have over 9 seats. It must not be a motor home, campervan, commercial vehicle, minibus, motorcycle or moped. Take note that you’ll also not be covered if the vehicle is driven off a public highway.
Zyane Tan is an associate editor at Finder. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. When she’s not busy typing away, she’s reading and musing over a pint.
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