Allianz Travel Hero Review: Fuss-Free Plan that is Value-For-Money

Deborah Gan

Deborah Gan

Last updated 19 March, 2024

The newest kid on the block, Allianz Travel Hero is only available for purchase via SingSaver’s website. Check out how it fares among the rest!

Haven’t heard of this travel insurance product before? That's because Allianz Travel Hero is the newest insurance product in the market, and the cool part is you can only purchase it via SingSaver!

It’s a no-frills travel insurance product that is straightforward, and one that can meet most of your travel needs. As the coverage level is based on the travel destination you’re heading to (ASEAN, Asia-Pacific and Worldwide), it is a no-brainer for travellers who prefer simplicity, without having to compare plan tiers to find the best coverage level. 

If you haven’t found a travel insurance plan that can accommodate your travel needs, maybe this one will.

Read on to find out what this product entails and whether it could be your next go-to plan for your upcoming trips!

Table of contents:

 

Allianz Travel Hero Insurance Promotion: Buy now to receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 
Allianz Travel Hero is an exclusive product, available only on SingSaver.


 


Allianz Travel Hero coverage

Allianz Travel Hero is a very simple product, and what you see is what you get! Here are the coverages worth mentioning:


Medical expenses

 
Worldwide
APAC
ASEAN
Emergency Medical/Dental Coverage

Dental care maximum sublimit

Continuation of Medical Care in Singapore (max. of 14 days)

Traditional Chinese Medicine sublimit
S$500,000
 
S$500
 
S$50,000
 
S$500
S$350,000
 
S$500
 
S$25,000
 
S$500
S$200,000
 
S$500
 
S$10,000
 
S$500
Emergency Transportation Coverage

Search and rescue sublimit
S$1,000,000

S$10,000
S$1,000,000
 
S$10,000
S$500,000
 
S$10,000
Travel Accident Coverage
 
Death
 
Permanent and insurable paralysis of all limbs
 
Permanent total disablement
S$150,000
 
S$150,000
 
S$150,000
 
S$150,000
S$100,000
 
S$100,000
 
S$100,000
 
S$100,000
S$50,000
 
S$50,000
 
S$50,000
 
S$50,000
Personal Liability Coverage
S$1,000,000
S$1,000,000
S$500,000

Though this plan may seem simple, it actually offers decent coverage. For medical expenses overseas, you get up to S$500,000 coverage if you purchase the Worldwide plan, including COVID-19. Beyond that, you also get coverage for emergency dental care, with a sub-limit of S$500, and even coverage for continuation medical treatment when you’re back in Singapore, up to S$50,000 with a maximum of 14 days.

If you’re a believer in TCM, you can also get reimbursed up to S$500.

Other coverages also include emergency transportation coverage, travel accident coverage and personal liability coverage of up to S$1,000,000, S$150,000 and S$1,000,000 respectively.

You may think that the chances of requiring such emergency coverage may be rare, but you never know when you’ll need it in unfortunate circumstances. It’s best to know that you’re covered in such circumstances for peace of mind.


Coverage for trip disruptions

 
Worldwide
APAC
ASEAN
Trip Cancellation Coverage
S$15,000
S$10,000
S$5,000
Trip Interruption Coverage
S$15,000
S$10,000
S$5,000
Travel Delay Coverage

With receipts daily limit

(min 6h delay required)
S$3,000
 
S$400
S$2,000
 
S$400
S$1,000
 
S$400
Baggage Coverage
 
Maximum benefit for all high-value items
S$7,000
 
S$1,000
S$5,000
 
S$1,000
S$3,000
 
S$1,000
Baggage Delay Coverage 
(min 6h delay required)
S$3,000
S$2,000
S$1,000
Loss of Travel Documents
S$8,000
S$5,000
S$3,000
Loss of Personal Money
S$500
S$300
S$300
Rental Vehicle Excess
S$3,000
S$2,000
NA

One of the main draws of travel insurance is that you can make claims when you face trip disruptions, such as an unfortunate trip cancellation due to medical reasons, flight delays, or baggage loss.

Fortunately, Allianz Travel Hero offers decent coverage for trip disruptions as well.

If you have to cancel or interrupt your trip for any valid reason, you’re able to claim up to S$15,000 for the travel expenses you’ve already incurred. This also applies if you or your travel buddy contracts COVID-19. If your flight is delayed for at least 6 hours, you can claim up to S$3,000, with a daily receipt limit of S$400.

This also applies to baggage delays of more than 6 hours, where you are covered up to S$3,000.

If you happen to lose your baggage, get it stolen or have it damaged, you are able to claim  up to S$7,000, with a sublimit of S$1,000 for all high-value items. If you lose your personal money or travel documents, you will be reimbursed up to S$500 and S$8,000 respectively.

Going on a road trip with a rental car? This plan offers up to S$3,000 for rental vehicle excess, but do note that the coverage is only applicable to Asia-Pacific and Worldwide regions. So if you’re heading to an ASEAN country, this coverage will not be extended to you.

Overall, for the price you're paying for, the coverage you're getting out of the plan is honestly quite value-for-money.

 

Allianz Travel Hero Insurance Promotion: Buy now to receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 
Allianz Travel Hero is an exclusive product, available only on SingSaver.


 


List of exclusions

These are some exclusions that are not covered under the Allianz Travel Hero:

  • Pre-existing medical conditions
  • Pregnancy and childbirth, except for sudden unforeseen medical complications or emergencies within the first 20 weeks/140 days of your pregnancy
  • Professional sports
  • Participating in any amateur sporting competition
  • Extreme sports
  • Natural disasters
  • Terrorism
  • War

Travel insurance plans and pricing

Here are the premiums you’ll need to pay depending on the area you’re travelling to and the duration of your trip for both single trip plans and annual plans.


Single trip plan

 
ASEAN
APAC
Worldwide
Duration
Individual
Family
Individual
Family
Individual
Family
3 days
S$16
S$41
S$22
S$55
S$41
S$76
5 days
S$20
S$49
S$27
S$66
S$49
S$91
7 days
S$24
S$61
S$33
S$82
S$62
S$113
14 days
S$31
S$76
S$42
S$103
S$77
S$142

Annual plan

ASEAN
APAC
Worldwide
Individual
Family
Individual
Family
Individual
Family
S$300
S$731
S$406
S$991
S$557
S$S1,360

Whether or not you should purchase an annual plan or not depends on how frequently you travel. A general rule of thumb is that you should be travelling at least 6-7 times in a year before an annual plan is worth your money.

Do remember to compare the prices beforehand. While it could potentially save you money, it can also save you a great deal of hassle without having to purchase a single trip plan before every trip you embark on.


Should I buy Allianz Travel Hero? Pros and cons

Pros
Cons
High coverage for trip disruptions
Not covered for pre-existing conditions
Affordable premiums
No plan tiers for varying coverage levels (dependent on travel destination)
Coverage inclusive of COVID-19
 

Allianz Travel Hero is a great no-frills travel insurance policy that can accommodate your travel needs. They have decent coverage, especially for trip disruptions, and are generally affordable as well. 

The great thing about it is that COVID-19 is inclusive in the base plans, so you won’t have to worry about opting for additional add-ons in order to be covered for it.

However, because the product doesn’t offer different plan tiers to choose from, and instead the coverage varies based on where you’re travelling to, it might not be ideal if you value coverage customisibility. With no available add-ons as well, you are unable to opt for special add-on coverages according to your travel needs.

But on the flip side, this could make for a great hassle-free travel insurance plan ideal for travellers who do not like to compare plan tiers and coverage levels to decide which plan is best for them.

Beyond that, it also doesn’t offer coverage for pre-existing conditions. So if you do suffer from pre-existing medical conditions, injuries and illnesses, you won’t be able to claim for it if it does act up when you’re abroad.

Overall, it makes for a good fuss-free plan that is simple and convenient. It’s also highly value-for-money because of its decent coverages and affordability. Moreover, if you’re travelling as a family, you can purchase their family plan as well to opt for group coverage limits.

Allianz Travel Hero Insurance Promotion: Buy now to receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 
Allianz Travel Hero is an exclusive product, available only on SingSaver.


 


How to make a claim

If you want to make a claim, you can head over to their online claims portal to file for one. Do ensure that you prepare all necessary documents and proof beforehand to ensure a smooth claiming process. Otherwise, your claim may be delayed or ultimately rejected if you do not submit sufficient documentation.

For any baggage-related claims, do ensure you report it to the police immediately and obtain a written report to submit to Allianz. If they were damahged or misplaced by the airline or operator, you will also need to obtain a written report from them, including any offer of settlement that they may make.

For any claim enquiries, you can contact Allianz at +65 6327 2215 from Mondays to Fridays, 9.00am - 5.30pm. Alternatively, you can also reach out to their customer service at +65 6327 2210 or their 24-hour emergency assistance at +65 6327 2215 if you need urgent help.

Do ensure you give notice of your claim as soon as possible to avoid any instances of your claim process being delayed or your claim amount being reduced.

 

 

A mahjong addict with an undying love for dogs, Deborah is always on the hunt for cheap deals because she is always broke. That is why she is attempting to be more financially savvy to be.. less broke

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!