Allianz Travel Insurance Review (2024)
Best in the market for high medical coverage benefit.
Allianz Travel, which comes in Basic (previously Bronze), Silver and Gold plans, are ideal for travellers looking for high medical coverage and ease of mind at competitive prices. It is a valuable buy especially if you are travelling to areas where medical treatment costs an arm and a leg.
Table of Content
Product Summary
Allianz Travel is attractive for consumers who are looking for high value plans at attractive pricing. Allianz Travel Insurance provides a 24-hour hotline assistance service for travellers from Singapore that offers immediate support and assistance for emergencies that may arise during a trip, such as medical emergencies, lost or stolen passports/visas, or unexpected travel delays, such as the inability to travel back to Singapore.
| Allianz Travel Insurance Product Summary |
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Emergency Medical Evacuation
Emergency Transportation Coverage of up to $1,000,000 for all plans.
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Automatic Extension of Cover
Your period of cover will automatically extend for up to a maximum 30 days from the date of expiry of the policy without payment of any additional premium if you are delayed in your return by a claimable event, or if the carrier you are travelling on, or the carrier that has accepted your fare or luggage, is delayed.
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Rental Vehicle Excess Cover
Allianz Travel will pay you the excess or deductible that is imposed on you following loss or damage resulting from an automobile accident to the rental vehicle you have hired.
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Global 24-hour Emergency Assistance
Allianz Travel has an internal medical team of doctors and air ambulances to make sure you are covered in case of emergency evacuation or medical assistance.
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Sports and Sports Equipment Cover
Sports and sports cover available for Platinum plans of up to $2,500
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Key Unique Benefits
#1 Pandemic or endemic diseases
Unlike other insurers that only strictly cover for COVID-19 and excludes other pandemic or endemic diseases, Allianz does cover for all. This features covers you for any potential diseases like MonkeyPox, SARS or any other yet-to-be-discovered diseases. As these pandemic situations are always very unexpected and happens very quickly, you'll have the peace of mind knowing that you are covered in the event of such instances.
#2 Search and rescue costs
Vacations are always meant to be enjoyable and relaxing, but in certain unfortunate scenarios where you or your travel buddies go missing, Allianz will over search and rescue costs up to S$10,000 in hopes of locating any missing persons. This is a coverage that not many insurers offer.
#3 Coverage for severe weather
In the event your trip is cancelled or curtailed due to severe weather like snow storms or thunderstorms, Allianz will allow you to make claims up to the specified claim limits. This coverage is usually not offered by other insurers, or they'll require you to pay additional premiums to get covered. But with Allianz, this is covered under your base plan.
On top of that, under the sports coverage, you'll also be reimbursed if your prepaid activity is cancelled by the supplier due to severe weather.
Exclusions
Types of Plans
Allianz Travel offers you three choices with its Bronze, Silver and Platinum plans:
- Basic: Value-for-money with essentials covered for the budget-seekers
- Silver: Strong coverage at affordable prices, for your next family trip
- Platinum: Extensive coverage with high medical limits for protecting your loved ones
Each plan is offered for Single Trip Coverage, or Annual Coverage. For more details, please read the full list of benefits and exclusions in the policy wording.
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Plan Type
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Cancellation
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Medical Coverage
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Bags/Belongings
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Bronze
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S$1,500
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S$200,000
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S$1,000
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Silver
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S$5,000
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S$500,000
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S$3,000
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| Platinum | S$10,000 | S$1,000,000 | S$5,000 |
Basic Plan
Silver Plan
Allianz Travel Silver Plan features competitive coverage for trip cancellation/ loss of deposits and medical benefits: Trip Cancellation/ Loss of Deposits capped at S$5,000, Baggage Delay of $500 for every six hours of delay overseas, and up to S$1,000,000 in Emergency Medical Evacuation and Repatriation. This makes it a great choice for you to get strong coverage at an affordable price.Platinum Plan
At medical coverage of $1,000,000, Allianz Travel Gold Plan stands out among the competition. It also offers high value for trip cancellation/ loss of deposits: Trip Cancellation/ Loss of Deposits capped at S$10,000, Baggage Delay of S$1,000 for every six hours of delay overseas. and up to S$1,000,000 in Emergency Medical Evacuation and Repatriation. For extensive coverage, this plan will be able to meet all your travel needs and give you a peace of mind knowing that your loved ones are sufficiently insured.Pros and Cons List
Pricing
We look at pricing comparisons across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. Allianz Travel Assistance does not offer Basic Plan nor ASEAN region for annual trip. Do note that the premiums are before discount.
Basic Plan
| Allianz Travel Bronze Plan | |
| 1 week ASEAN | S$37 |
| 1 week Asia | S$40 |
| 1 week Worldwide | S$66 |
| Annual ASEAN | S$365 |
| Annual Asia | S$450 |
| Annual Worldwide (including Canada & USA) | S$847 |
Mid-Tier Plan
| Allianz Travel Silver Plan | |
| 1 week ASEAN | S$42 |
| 1 week Asia | S$63 |
| 1 week Worldwide | S$103 |
| Annual ASEAN | S$547 |
| Annual Asia | S$632 |
| Annual Worldwide (including Canada & USA) | S$948 |
Top Shelf Plan
| Allianz Travel Platinum Plan | |
| 1 week ASEAN | S$80 |
| 1 week Asia | S$95 |
| 1 week Worldwide | S$137 |
| Annual ASEAN | S$761 |
| Annual Asia | S$788 |
| Annual Worldwide (including Canada & USA) | S$1,398 |
How to Claim
Submit claims through these Allianz Travel channels:
Online Claims: Click here to file a claim
Customer Service: +65 6327 2210
Claims Enquiries: +65 6327 2215
Claims Email: sg.travelhelp@allianz.com
Frequently Asked Questions (FAQs)
Is it compulsory to get travel insurance?
Though most countries do not require travellers to purchase travel insurance, there are some countries that do. It's best to do your research before your trip.
Nevertheless, purchasing travel insurance is highly recommended as you'll get a peace of mind knowing that you're insured against any travel inconveniences that might affect your trip.
Whether your flight is delayed for many hours, your baggage gets stolen overseas, or you fall ill abroad, you'll be able to be financially compensated for with travel insurance.
Who is the best insurer to get travel insurance with?
There's no one-size-fits-all travel insurance plan for everyone. Every individual has different needs and priorities when it comes to travel coverage. Some may prioritise personal accident cover, while someone may want higher coverage for travel delays. An elderly who has pre-existing conditions will also priortise a plan that covers for that.
Because of the different needs, you'll need to find a travel insurance plan that is best suited for you.
How to buy travel insurance in Singapore?
You can easily apply for a travel insurance plan online on the insurer's website. Simply key in your personal particulars, when you'll be overseas, where you're going, choose the plan that you want and make payment.
You can also head to SingSaver's website to compare the coverage and costs of the insurers, and simply apply directly through our site.
What is usually covered by travel insurance?
Travel insurance plans usually include basic coverage like overseas medical expenses, personal accidents, accidental death and total permanent disability, travel cancellations, flight delays, baggage loss and baggage delay.
However, each travel insurance plan is different and offers different claim limits, which also depends on the tier of plan you purchase.
Other coverages that some insurers offer also include sports and adventure cover, rental fee excess, pre-existing conditions, rainfall cover, bridal accessories and even loss of frequent flyer points.
How late can you buy travel insurance?
There's no hard and fast rule for when is the latest you can buy your travel insurance, as you can literally purchase one right before you board the plan and still be covered.
However, the later you buy your travel insurance, the higher the chance of you not being able to claim for certain things like flight delay (if you buy your plan only before you board the plan), trip cancellation due to a family member or travel buddy falling critically ill, trip cancellation for any reason (offered by Singlife).
Can I claim for medical expenses in Singapore after returning from my trip?
Not all insurers offer that, so it's best to check the insurer's product brochure or policy wording before you purchase one.
Some insurers do let you claim for any medical expenses after returning to Singapore, if you incur the expense within a stipulated time period after you're back.
Do I need COVID-19 coverage?
Though COVID-19 isn't be affecting our lives much compared to how it used to, it is still recommended to get travel insurance that covers for COVID-19.
You'll have the peace of mind knowing that you are covered for any medical expenses due to COVID-19 when you're abroad, and you can also choose to shorten or postpone your trip if you or a travel buddy contracts COVID-19 right before your trip.
Can elderly above 70 years old and above purchase travel insurance?
It depends on the insurer. Some insurers only offer coverage for adults below 70 years old, while others do for seniors 70 and above.
However, do take note that the medical expenses coverage for seniors in that age range tend to be much lower than adults below 70, as they have a higher chance of falling ill.
Protected up to specified limits by SDIC.
Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.
If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
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