Allianz Global Assistance Travel Insurance Review: Best In Market For High Medical Coverage

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When it comes to medical coverage, the competitively priced Allianz Global Assistance Travel Insurance is a cut above the rest. Make claims for trip cancellations, loss of deposits and more.

Allianz Global Assistance travel insurance plan starts from as low as $14.85, which makes it a good bargain. Allianz Global Assistance — which comes in 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. 

Summary of product

Emergency medical evacuation

Emergency medical evacuation capped at $500,000 for Bronze Plan. Unlimited emergency medical evacuation cover for Silver and Gold Plan.

Terrorism cover

Pays you for losses that may be sustained through any Act of Terrorism.

Automatic extension of cover

Your period of cover will automatically extend for up to a maximum of 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. 

Rental vehicle excess cover 

Allianz 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.

Golf advantage

Allianz will pay the repair cost or replacement value, less depreciation, for any golfing equipment lost or damaged in a public place, or lost or damaged by a carrier when the golfing equipment is a checked-in luggage given to their care or when the loss or damage occurs during your overseas journey.

24-hour emergency assistance

Allianz has an internal medical team of doctors and air ambulances to make sure you are covered in case of an emergency evacuation or in need of medical assistance.

Allianz Global Assistance Travel Insurance: Pros and cons breakdown

ProsCons
Unlimited coverage for Overseas Medical Expenses (Gold Plan)

Unlimited coverage for Emergency Medical Evacuation (Silver & Gold Plan)

Full terrorism cover (excludes the use of biological, chemical and nuclear agents)
No coverage for pre-existing medical conditions

Will not cover you if you are travelling against the advice of a doctor

Does not have coverage for pregnancy-related events

Policy exclusions

  • Pre-existing conditions 
  • Travelling when medically unfit
  • Pregnancy, childbirth, related complications or any medically assisted conception unless otherwise stated in the benefit 
  • Claim arises from or is in any way connected to any elective medical, surgery or dental treatment
  • Travelling against Medical Practitioner’s advice
  • No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
  • Travelling against advice of regulatory authorities/ travelling to a country at war
  • Items taken/ destructed by customs or other officials
  • Participation in sports activities to receive financial compensation
  • No benefit payable for additional expenses or fees arising from errors or omissions in your booking arrangements or your failure to obtain relevant visa or passport documents

*Please read the full list of exclusions in the policy wording.

Types of Plans 

Allianz Global Assistance offers you three choices with its Bronze, Silver and Gold plans. 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.

Plan TypeCancellationMedical Coverage(Overseas)Bags/Belongings
Bronze$10,000$400,000$3,500
Silver$15,000$1,000,000$6,000
Gold$25,000Unlimited$7,500

Bronze plan

Allianz Global Assistance Bronze Plan focuses on travel inconveniences and medical coverage and is value for your money.  It stands out for its high coverage for trip cancellation/ loss of deposits and baggage delay, as well as competitive medical coverage. Compared to other budget travel insurance plans, Allianz Global Assistance Bronze Plan is equivalent to most travel insurance companies’ 2nd-tier plans.

Trip Cancellation and loss of deposits: Capped at $10,000

Baggage Delay of $200 for every six hours of delay overseas: Capped at $1,400

Emergency Medical Evacuation: Capped at $500,000

Silver plan

Allianz Global Assistance Silver Plan features competitive coverage for trip cancellation, loss of deposits and medical benefits. 

Trip Cancellation and loss of deposits: Capped at $15,000

Baggage Delay of $200 for every six hours of delay overseas: Capped at $1,400

Emergency medical evacuation and repatriation: Unlimited 

Gold plan

With a medical coverage of $5,000,000 limit, Allianz Global Assistance Gold Plan stands out among the competition. It also offers high value for trip cancellation and loss of deposits.

Trip Cancellation and loss of deposits: Capped at $25,000

Baggage Delay of $200 for every six hours of delay overseas: Capped at $1,400

Emergency Medical Evacuation and Repatriation: Unlimited 

Overseas Emergency Medical or Hospital Expenses due to Sickness: Unlimited  

Overseas Emergency Medical, Hospital or Dental expenses due to Accident: Unlimited 

Pricing

We will look at the pricing comparison across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. Allianz does not offer Bronze Plan nor ASEAN region for annual trips.

Basic plan


Allianz Global Assistance Bronze PlanIndustry Average
1-week ASEAN$20$26
1-week Asia$27$32
1-week Worldwide$40$46
Annual ASEANNA$149
Annual AsiaNA$208
Annual WorldwideNA$282

Mid-Tier plan


Allianz Global Assistance Silver PlanIndustry Average
1-week ASEAN$29$33
1-week Asia$39$41
1-week Worldwide$47$59
Annual ASEANNA$206
Annual Asia$193$242
Annual Worldwide$29$332

Top-Shelf plan


Allianz Global Assistance Gold PlanIndustry Average
1-week ASEAN$44$47
1-week Asia$57$58
1-week Worldwide$69$80
Annual ASEANNA$269
Annual Asia$249$310
Annual Worldwide$346$430

How to claim 

Online: https://www.allianz-assistance.com.sg/claims/

Email:  sg.travelclaims@allianz.com

Hotline: +65 6327 2215

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