Allianz Travel Hero Insurance Review: Is It Truly Value-for-Money?

Allianz Travel Hero offers a straightforward approach to travel insurance, with policies designed to meet essential travel needs with clear-cut coverage options.

Pros & Cons

Pros

• High coverage for trip disruptions

• Relatively affordable premiums

• Has policies inclusive of COVID-19 coverage

Cons

• No coverage for pre-existing medical conditions

• Not as customisable as some other travel insurance policies

Read Our Review of Allianz Travel Insurance

Allianz Travel Hero is 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 compare travel insurance with other providers to see if it could be your next go-to plan for your upcoming trips!

Allianz Travel Hero offers a straightforward and value-for-money travel insurance plan that covers essential travel needs. Available exclusively through SingSaver, it provides comprehensive protection with high coverage limits for various travel-related risks.

Allianz Travel Hero offers a range of travel insurance plans with varying coverage benefits to cater to different travel needs. Here's a breakdown of the key coverage features:

• Medical expenses: Allianz Travel Hero provides extensive medical coverage, reimbursing expenses incurred for accidents and illnesses during your trip, including those related to COVID-19. The coverage extends to medical evacuation and repatriation if necessary.

• Trip cancellation and interruption: If unforeseen circumstances force you to cancel or cut short your trip, Allianz Travel Hero offers comprehensive coverage for non-refundable costs like flights, accommodations, and tour bookings.

• Baggage protection: Allianz Travel Hero can cover lost, damaged, or delayed baggage, ensuring you can replace essential items and continue your journey with minimal disruption.

• Travel inconvenience: You can also opt for comprehensive coverage for travel inconveniences like flight delays, missed connections, and lost travel documents, providing financial support during unexpected situations.

• Personal liability: Allianz Travel Hero includes personal liability coverage for peace of mind, protecting you financially if you accidentally injure someone or damage property while travelling.

• Rental vehicle excess: For those renting vehicles during their trip, Allianz Travel Hero offers coverage for rental vehicle excess, reducing your financial burden in case of accidental damage to the rental car.

Remember, reviewing the policy wording carefully to understand the full extent of coverage and any exclusions is crucial before purchasing Allianz Travel Hero.

Allianz Travel Hero offers very simple products, and what you see is what you get! Here are some features worth mentioning for each of their tiered plans:

Allianz also has multi-trip policies to meet the needs of frequent flyers in Singapore.

>> Learn more: Annual vs single-trip travel insurance

Allianz Travel Hero, designed for simplicity, does not offer any add-on options for purchase through SingSaver. The plan’s structure relies on its tiered options — Standard, Premium, and Elite — to provide varying levels of coverage. Therefore, the only way to increase your coverage is to select a higher-tier plan. There are no additional, individual coverages available to be added to your chosen plan.

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

Seedly has rated Allianz Travel Hero 2.0 stars. Jump to see our methodology behind it and what was considered in the making of this rating.

Allianz Travel Hero offers a simplified, tiered travel insurance approach, providing solid coverage for trip disruptions and COVID-19 medical expenses. This straightforward structure may appeal to those seeking ease of understanding and potentially cost-effective options for core coverage.

However, while this simplicity benefits some, travellers with specific health concerns or those desiring tailored policies may find competitors offering greater flexibility and personalisation. It's essential to weigh these strengths and limitations against individual travel needs and risk tolerance.

To provide a clearer picture of how Allianz Travel Hero compares with other options in terms of cost and overall rating, we've compiled a table showcasing Seedly ratings, the cost of each provider's basic plan, and the cost of each provider's most premium plan. The following prices are for a single traveller, calculated during March, using a 4-day trip to Japan as a placeholder destination and the date of travel itself as the assumed purchase date.

To illustrate potential costs, we've priced Allianz Travel Hero premiums for a hypothetical solo traveller's four-day trip to Japan, calculated in March, assuming the travel date is also the purchase date.

The Premium and Elite tiers provide progressively higher benefits, particularly in areas like trip cancellation, personal liability, and baggage protection, compared to the Standard plan. Therefore, if you require comprehensive coverage for potential trip disruptions and higher medical expenses, the Premium or Elite plans may be more suitable. 

However, if your trip involves minimal non-refundable expenses and you primarily seek basic medical coverage, the Standard plan offers a more affordable option.

» More: The best travel credit cards in Singapore

Snagging an Allianz Travel Hero policy is a breeze! Simply head to the dedicated Allianz Travel Hero insurance page. There, you'll enter a few key details about your trip — where you're headed, when you're leaving and returning, and your age. Once you've filled those in, you'll see a clear lineup of the Allianz Travel Hero plans available. 

Take a moment to browse the different tiers, each offering varying levels of coverage for things like medical expenses, trip disruptions, and baggage protection. You can easily compare the benefits and costs to find the plan that matches your travel style and needs. When you've made your choice, just follow the simple prompts to complete your purchase and you'll be covered in no time.

Consider comparison shopping

If Allianz Travel Hero doesn’t seem like the right fit for your upcoming trip, use our travel insurance plan aggregator to compare different policies and find the right one for you.

• The Standard Plan provides essential protection, ideal for budget-conscious travellers or shorter trips where comprehensive coverage might be less critical.

•  The Premium Plan steps up the protection, offering enhanced coverage for trip disruptions and baggage, making it a suitable middle ground. 

• The Elite Plan offers the most extensive coverage across all categories, providing maximum peace of mind for long-haul trips, adventure travel, or those seeking the highest level of protection.

When selecting a plan, consider your travel destination, trip duration, and risk tolerance. For example, if you're primarily concerned about medical emergencies, even the Standard plan offers substantial coverage. However, if you're investing heavily in non-refundable bookings, the Premium or Elite tiers provide greater financial security.

Ultimately, the best plan depends on your individual needs and priorities. By carefully evaluating the tiered benefits, you can select the Allianz Travel Hero plan that aligns with your travel style and provides the appropriate level of protection.

Yes, Allianz offers 24/7 travel assistance with the Travel Hero plan, including 24/7 medical assistance and support. For urgent assistance during your trip, you can contact their 24-hour emergency line at +65 6995 1118. For claims inquiries, they are available at +65 6327 2215 from Mondays to Fridays, 9.00 am - 5.30 pm (Singapore time).

If you want to make a claim, follow these steps to ensure a smooth and efficient process. Preparing all necessary documents and proof beforehand is crucial to avoid delays or rejections.

Step 1: Gather required documents

Before you start your Alliance Travel Insurance claim, make sure you have all the necessary documents ready:

• Claims form

• Travel itinerary

• Police report

• Receipts and invoices

• Hospital and medical bills

• Personal details (including phone number and personal address)

• Policy number

For baggage-related claims, report any loss or damage to the police immediately and obtain a written report. If the airline or operator is responsible, secure a written report from them, including any offer of settlement they may make.

Step 2: Submit your claims online 

With all your documents in order, head to our Allianz Claims Portal. Login and fill in the required information and upload the necessary travel insurance claim documents. Double-check all entries to ensure accuracy and completeness.

Step 3: Notification and processing

Once your claim is submitted, Allianz will review your case. You will be informed of the outcome in due course. Alternatively, Allianz will reach out to you in the event of a delay, or if additional information is required.

Step 4: Follow up if necessary

If the wait becomes antsy or if you are unsure about the completeness of your submission, you can reach out to Allianz for further assistance. They are available at +65 6327 2215 from Mondays to Fridays, 9.00 am - 5.30 pm. For urgent assistance, you can contact their 24-hour emergency line at +65 6995 1118.

Additional Tips

• Give notice of your claim as soon as possible to avoid any delays or reductions in your claim amount.

• Ensure all documentation is clear and legible.

• Keep copies of all submitted documents for your records.

Overall, Allianz Travel Hero's travel insurance plans offer a no-frills, value-driven approach, making them a solid choice for a wide range of travellers. Whether you are planning a single vacation or multiple trips throughout the year, these plans provide essential coverage with the convenience and assurance of Allianz's trusted service.

Allianz Travel Hero is an exclusive product, available only on SingSaver.

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