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$28 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
All three plans (Bronze, Silver and Platinum) come with unlimited emergency evacuation coverage, and this coverage sum applies to individuals aged 69 years and below.
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 up to S$1 million 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$15,000.
With the Bronze plan, you’ll get up to S$200,000 coverage for emergency medical and dental expenses, and up to S$5,000 for travel cancellation coverage. For the Silver plan, the medical and dental expenses coverage is up to S$500,000. Additionally, you may get up to S$10,000 for travel cancellations or disruptions. These terms apply for individuals aged 69 years and below only.
Some drawbacks you should be aware of? Allianz Travel Insurance doesn’t offer hospitalisation or quarantine allowance.
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 at S$1,500 and S$3,000, respectively.
Sporting equipment cover
Allianz will pay the repair cost or replacement value, less depreciation, for any sporting equipment lost, damaged or stolen for up to S$7,500 under the Platinum plan.
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 Up to S$1 million for Emergency Medical/Dental Services (Platinum Plan) Unlimited coverage for Emergency Transportation Coverage (All Plans) | 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$5,000 | Up to S$200,000 | S$3,000 |
| Comprehensive Silver | S$10,000 | Up to S$500,000 | S$5,000 |
| Comprehensive Platinum | S$15,000 | Up to S$1 million (69 years and below) | S$7,000 |
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.
Trip Cancellation: Capped at S$5,000
Baggage Delay of up to S$500 for a minimum delay of six hours of overseas
Emergency Transportation Coverage: Unlimited
Comprehensive Silver plan
Allianz Comprehensive Silver Plan features competitive coverage for trip cancellation and medical benefits.
Trip Cancellation: Capped at S$10,000
Baggage Delay capped at S$400 daily limit, minimum six hours of delay overseas: Capped at S$1,000
Emergency Transportation Coverage: Unlimited
Travel Accident Coverage: Up to S$100,000
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$15,000
Baggage Delay capped at S$400 for every six hours of delay overseas: Capped at S$1,400
Emergency Transportation Coverage: Unlimited
Emergency Medical/Dental Coverage: Up to S$1 million (age 69 and below)
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$49 |
| 1-week Asia | S$62 |
| 1-week Worldwide | S$112 |
| Annual ASEAN | N/A |
| Annual Asia | N/A |
| Annual Worldwide | N/A |
Mid-Tier plan
| Allianz Comprehensive Silver Plan | |
| 1-week ASEAN | S$76 |
| 1-week Asia | S$113 |
| 1-week Worldwide | S$177 |
| Annual ASEAN | N/A |
| Annual Asia | S$791 |
| Annual Worldwide | S$1,240 |
Top-Shelf plan
| Allianz Comprehensive Platinum Plan | |
| 1-week ASEAN | S$115 |
| 1-week Asia | S$158 |
| 1-week Worldwide | S$241 |
| Annual ASEAN | NA |
| Annual Asia | S$1,392 |
| Annual Worldwide | S$2,118 |
How to claim
Online: https://www.allianz-assistance.com.sg/claims/online-claim-portal.html
Email: sg.travelclaims@allianz.com
Hotline: +65 6327 2210
Promotions and discounts
Allianz Travel Insurance Promotion: Use the promo code TRAVEL12 to get 12% off all Travel Insurance Plans (Single Trip, Family and Annual). Plus, receive up to S$30 via PayNow when you apply for a min. premium of S$300. Valid till 31 October 2022. T&Cs apply.
Allianz Travel Insurance includes coverage for both COVID-19 and Cruises to Nowhere.
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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