When it comes to medical coverage, the competitively priced Allianz Travel Insurance is a cut above the rest. Make claims for COVID-19 trip cancellations, loss of deposits, and more.
Allianz Travel Insurance starts from S$54 and comes in Bronze, Silver, and Platinum plans. These are ideal for travellers looking for high medical coverage and ease of mind.
It is a valuable buy especially if you are travelling to areas where medical treatment costs an arm and a leg. Plus, it offers COVID-19 protection.
Summary of product
Emergency medical evacuation
Emergency medical evacuation capped at S$1 million for Bronze and Silver Plans. Unlimited emergency medical evacuation coverage is available only for the Platinum Plan.
COVID-19 coverage
Regardless of which plan you choose, Allianz Travel Insurance covers you against medical costs, trip cancellations and curtailments due to COVID-19 when you or a travel companion is diagnosed with the disease.
Opting for the Platinum plan will give you unlimited coverage for emergency medical and dental expenses from COVID-19, while any travel cancellations or disruptions will entitle you to the same claim amount of S$25,000.
With the Silver and Bronze plans, you’ll get up to S$1,000,000 coverage for emergency medical and dental expenses, and up to S$15,000 for travel cancellations or disruptions.
Some drawbacks you should be aware of? Allianz Travel Insurance doesn’t offer hospitalisation or quarantine allowance.
Terrorism cover
Pays you for trip cancellation or interruptions that may be sustained through any Act of Terrorism. Do refer to the policy wordings for detailed information and definition of a terrorist event.
Automatic extension of cover
Your period of cover will automatically extend without payment of any additional premium if you are delayed in your return by a covered reason.
Rental vehicle excess cover
Allianz will pay you the excess or deductible that is imposed on you following loss or damage to the rental vehicle you have hired. This benefit is only applicable for Silver and Platinum plans.
Sporting equipment cover
Allianz will pay the repair cost or replacement value, less depreciation, for any sporting equipment lost, damaged or stolen.
24-hour emergency assistance
Allianz will organise emergency medical assistance around the clock to make sure you are covered in case of an emergency evacuation or in need of medical assistance.
Allianz Travel Insurance: Pros and cons breakdown
| Pros | Cons |
| COVID-19 coverage Unlimited coverage for Emergency Medical/Dental Services (Platinum Plan) Unlimited coverage for Emergency Transportation Coverage (Platinum Plan) | 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 normal, complication-free pregnancy-related events |
Policy exclusions
- Pre-existing conditions
- Travelling when medically unfit
- Fertility treatments or elective abortion
- Participating in or training for any amateur sporting competition while on your trip
- Acts, travel alerts/bulletins, or prohibitions by any government or public authority, except as expressly covered under trip cancellation coverage or trip interruption coverage
*Please read the full list of exclusions in the policy wording.
Types of Plans
Allianz Travel Insurance offers you three choices with its Bronze, Silver and Platinum 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 Type | Cancellation | Medical Coverage (Overseas) | Bags/Belongings |
| Comprehensive Bronze | S$15,000 | Up to S$1 million | S$7,000 |
| Comprehensive Silver | S$15,000 | Up to S$1 million | S$12,000 |
| Comprehensive Platinum | S$25,000 | Unlimited | S$15,000 |
Comprehensive Bronze plan
Allianz Comprehensive 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 and baggage delay, as well as competitive medical coverage.
Compared to other budget travel insurance plans, Allianz Comprehensive Bronze Plan is equivalent to most travel insurance companies’ 2nd-tier plans.
Trip Cancellation: Capped at S$15,000
Baggage Delay of S$200 for every six hours of delay overseas: Capped at S$1,400
Emergency Transportation Coverage: Capped at S$1 million
Comprehensive Silver plan
Allianz Comprehensive Silver Plan features competitive coverage for trip cancellation and medical benefits.
Trip Cancellation: Capped at S$15,000
Baggage Delay of S$200 for every six hours of delay overseas: Capped at S$1,400
Emergency Transportation Coverage: Up to S$1 million
Personal Liability Cover: S$800,000
Travel Accident Coverage: S$80,000
Comprehensive Platinum plan
With unlimited medical coverage, Allianz Comprehensive Platinum Plan stands out among the competition. It also offers high value for trip cancellation.
Trip Cancellation: Capped at S$25,000
Baggage Delay of S$200 for every six hours of delay overseas: Capped at S$1,400
Emergency Transportation Coverage: Unlimited
Emergency Medical/Dental Coverage: 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 a Bronze Plan for annual trips to the ASEAN region.
The insurer’s plans are much pricier as all of them now include cruise coverage and protection against pandemics and epidemics, including COVID-19.
Basic plan
| Allianz Comprehensive Bronze Plan | |
| 1-week ASEAN | S$77 |
| 1-week Asia | S$97 |
| 1-week Worldwide | S$123 |
| Annual ASEAN | N/A |
| Annual Asia | S$696 |
| Annual Worldwide | S$901 |
Mid-Tier plan
| Allianz Comprehensive Silver Plan | |
| 1-week ASEAN | S$92 |
| 1-week Asia | S$113 |
| 1-week Worldwide | S$143 |
| Annual ASEAN | N/A |
| Annual Asia | S$824 |
| Annual Worldwide | S$1,057 |
Top-Shelf plan
| Allianz Comprehensive Platinum Plan | |
| 1-week ASEAN | S$113 |
| 1-week Asia | S$136 |
| 1-week Worldwide | S$172 |
| Annual ASEAN | NA |
| Annual Asia | S$1,011 |
| Annual Worldwide | S$1,283 |
How to claim
Online: https://www.allianz-assistance.com.sg/claims/online-claim-portal.html
Email: sg.travelclaims@allianz.com
Hotline: +65 6327 2215
Promotions and discounts
Promotion: Get a 35% discount on all Travel Insurance Plans (Single, Annual and Family plans) when you use the promo code TRAVELSAFER. Valid till 30 June 2022. T&Cs apply. Plus, get S$20 cashback when you spend over S$200.
Allianz Travel Insurance includes coverage for both COVID-19 and Cruise to Nowhere trips.
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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