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Allianz Global Assistance Travel Insurance Review 2019

Allianz Global Assistance Travel Insurance: Best in the market for high medical coverage benefit. Allianz Global Assistance travel insurance plan starts from as low as $14, 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.

Promotion: enter promo code "next48ss" and get 48% off for Silver & Gold plans,
                    or "next40ss" for 40% off on Single Trip Bronze

SingSaver Exclusive: Buy now and get $5 PayNow
Pros:
  • Unlimited emergency medical evacuation (Silver/ Gold Plans)
  • Full terrorism cover (except biological/chemical/nuclear agents)
  • Automatic Extension of Cover up to a maximum of 30 days
Cons:
  • Comprehensive list of over 40 general exclusions and benefit specific ones
  • No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
  • No benefit payable for claims arising from pre-existing conditions
Allianz Global Assistance is attractive for consumers who are looking for high value plans at attractive pricing. Allianz has an internal medical team of doctors and air ambulances to make sure you are covered in case of emergency evacuation or medical assistance. The current promo code “next48ss” makes Allianz a bargain buy: this promotion lowers the pricing of most of its plans to below industry average, yet still offering above market value especially in terms of its medical coverage!
Allianz Global Assistance Travel Insurance - Product Summary
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 which may be sustained through any Act of Terrorism.
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.
Rental Vehicle Excess Cover
Allianz Global Assistance 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 Global Assistance 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, when the loss or damage occurs during your overseas journey.
24 hour Emergency Assistance
Allianz Global Assistance has an internal medical team of doctors and air ambulances to make sure you are covered in case of emergency evacuation or medical assistance.

Table of Content

Exclusions

Medical Exclusions Trip Inconvenience and Sports Exclusions
Pre-existing conditions No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
Travelling when medically unfit Travelling against advice of regulatory authorities/ Travelling to a country at war
Pregnancy, childbirth, related complications or any medically assisted conception unless otherwise stated in the benefit Items taken/ destructed by customs or other officials
Claim arises from or is any way connected to any elective medical, surgery or dental treatment Participation in sports activities to receive financial compensation
Travelling against Medical Practitioner’s advice 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

Types of Plan

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 Type Cancellation Medical Coverage (Overseas) Bags/Belongings
Bronze $10,000 $400,000 $3,500
Silver $15,000 $1,000,000 $6,000
Gold $25,000 $5,000,000 $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/ Loss of Deposits capped at $10,000; Baggage Delay of $200 for every six hours of delay overseas capped at $1,400 and 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/ Loss of Deposits capped at $15,000; Baggage Delay of $200 for every six hours of delay overseas capped at $1,400 and Unlimited Emergency Medical Evacuation and Repatriation.
Gold Plan
At 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/ loss of deposits: Trip Cancellation/ Loss of Deposits capped at $25,000; Baggage Delay of $200 for every six hours of delay overseas capped at $1,400; Unlimited Emergency Medical Evacuation and Repatriation; Unlimited Overseas Emergency Medical or Hospital Expenses due to Sickness and Unlimited Overseas Emergency Medical, Hospital or Dental expenses due to Accident.

Pricing

We look at pricing comparisons across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. Allianz Global Assistance does not offer Bronze Plan nor ASEAN region for annual trip.
Basic Plan
Allianz Global Assistance Bronze Plan Industry Average
1 week ASEAN $24 $26
1 week Asia $32 $32
1 week Worldwide $48 $46
Annual ASEAN NA $149
Annual Asia NA $208
Annual Worldwide NA $282
Mid-tier Plan
Allianz Global Assistance Silver Plan Industry Average
1 week ASEAN $30 $33
1 week Asia $40 $41
1 week Worldwide $49 $59
Annual ASEAN NA $206
Annual Asia $167 $242
Annual Worldwide $224 $332
Top Shelf Plan
Allianz Global Assistance Gold Plan Industry Average
1 week ASEAN $45 $47
1 week Asia $59 $58
1 week Worldwide $71 $80
Annual ASEAN NA $269
Annual Asia $249 $310
Annual Worldwide $346 $430

How to Claim

Submit claims through these Allianz Global Assistance channels: Online Claims: Click here to file a claim Customer Service: +65 6327 2210 Claims Assistance: +65 6327 2215 Claims Email: sgtravelclaims@allianz-assistance.com.sg Address: 12 Marina View, #14-01 Asia Square Tower 2 ,Singapore 018961
Looking for other travel insurance plans? Check out the Best Travel Insurance in Singapore 2019 or use our travel insurance comparison tool.