Comprehensive Coverage with Allianz Travel Insurance
Updated: 18 Jun 2026
ChinaAllianz Travel Hero Single Trip Comparison
Product | Policy Wording | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 | S$0 | - | S$0 | - | - | - | - | - | - | - | - | - | - | - | - | S$250000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | S$250000 | |
 | S$5000 | S$600 | S$3000 | - | S$500 | - | - | - | - | S$250000 | - | - | - | - | S$50000 | S$300000 | - | - | S$300 | S$500 | - | - | - | - | S$250 | - | - | - | - | - | - | - | S$300000 | |
 | S$3000 | - | S$0 | - | - | - | - | - | - | S$250000 | - | - | - | - | - | S$250000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | S$250000 |
Allianz Travel Hero Annual Trip Comparison
Product | Policy Wording | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 | S$0 | - | S$0 | - | - | - | - | - | - | - | - | - | - | - | - | S$250000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | S$250000 | |
 | S$5000 | S$600 | S$3000 | - | S$500 | - | - | - | - | S$250000 | - | - | - | - | S$50000 | S$300000 | - | - | S$300 | S$500 | - | - | - | - | S$250 | - | - | - | - | - | - | - | S$300000 | |
 | S$3000 | - | S$0 | - | - | - | - | - | - | S$250000 | - | - | - | - | - | S$250000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | S$250000 |
Frequently asked questions about Allianz Travel Insurance
Allianz does not offer coverage for travel to countries such as Afghanistan, Cuba, Nepal, the Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Russia, and Ukraine.
Why choose Allianz Travel Insurance
Allianz offers single-trip, annual multi-trip, family, and Schengen travel insurance options. This ensures all individuals are accorded a level of protection suited to their destination and budget. Allianz’s individual plans tie maximum benefits to a named person on the Certificate of Insurance, while maximum benefits on family plans apply per insured adult. Another key difference between individual and family plans is that dependent children typically share benefits within the insured adults' limits.
Allianz Travel Insurance coverage details
Overseas medical expenses
- Up to S$1,000,000 for adults under 70 years of age, which matches up with what's offered by other providers.
- Up to S$100,000 for adults 70 years of age and older.
- Coverage includes sub-limits for dental care, hospital cash and continuation of treatment in Singapore.
- Allianz's coverage remains the same if you have COVID-19 cover, unlike other providers which may lower benefits related to COVID-19.
Emergency medical evacuation and repatriation
- Up to S$1,000,000 across Basic, Silver and Platinum plans, other providers may choose to retain this amount only for mid to high level plans.
- Inclusive of a Search and Rescue sub-limit of S$10,000.
Personal liability
- Up to S$1,000,000 for Silver and Platinum plans, no coverage for basic plans.
- Some providers offer basic Personal Liability coverage for up to S$250,000.
Optional add-on coverage
Sports benefits
From missing sports activities to lost equipment, Allianz will protect you against sports-related mishaps on your trip. That is, if you take up a Platinum level plan. This will give you:
- Up to S$1,500 for missed sports activities.
- Up to S$2,500 for lost, stolen or damaged sporting equipment.
- Up to S$1,000 for sporting equipment rental due to your personal goods being lost, stolen or damaged.
- Up to S$10,000 for Search and Rescue costs if you are reported missing or need to be rescued during your trip.
COVID-19 coverage
Coverage for Overseas Emergency Medical coverage is the same even if you are diagnosed with COVID-19. Though AIG’s Overseas Emergency Medical coverage is much higher at S$2,500,000, this gets lowered to S$300,000 once you have a COVID-19 diagnosis. With Allianz, you'll get the same coverage regardless of whether your condition is related to COVID-19.
- Up to S$1,000,000 Overseas Emergency Medical coverage for adults under 70 years of age
- Up to S$100,000 Overseas Emergency Medical coverage for adults 70 years of age and older
- Up to S$100,000 Emergency Transportation Coverage
Travel inconveniences
Allianz extends their COVID-19 protection beyond medical areas so you can benefit from Trip Inconveniences coverage too. This entitles you to the same Trip Inconveniences coverage, regardless of whether you have COVID-19.
- Up to S$10,000 in Trip Cancellation coverage
- Up to S$10,000 in Trip Curtailment coverage
- Up to S$5,000 in Trip Incident coverage
- Up to S$1,600 in Trip Delay coverage, capped at a limit of S$400 per day
Pros and cons of Allianz Travel Insurance
| Pros | Cons |
|
✅ Strong COVID-19 coverage that includes protection against Overseas Emergency Medical expenses and Trip Inconveniences ✅ 24/7 worldwide support for emergency medical assistance ✅ Streamlined online claims system for a hassle-free process ✅ Get a refund on premiums paid within 14 days after policy purchase ✅ Decent sports-related coverage for active travellers ✅ Up to S$1,000,000 Emergency Transportation Coverage across all plans
|
❌ No coverage for pre-existing conditions ❌ No coverage for adventurous activities, such as sky-diving or bungee jumping ❌ No personal liability coverage for Basic plans ❌ Low Travel Inconvenience protection for Basic plans compared to other insurers ❌ Higher cost compared to some insurers ❌ Low coverage for local medical expenses compared to other insurers
|
Allianz Travel Insurance compared to other insurance providers
|
Provider |
Best for |
Overseas medical expenses |
Local medical expenses |
Trip cancellation |
Loss of baggage |
|
Allianz |
COVID-19 coverage |
S$1,000,000 |
S$2,500 |
S$10,000 |
S$5,000 |
|
AIG |
Overseas medical expenses |
S$2,500,000 |
S$50,000 |
S$15,000 |
S$10,000 |
|
FWD |
Trip cancellation |
S$1,000,000 |
S$30,000 |
S$15,000 |
S$7,500 |
|
MSIG |
Local medical expenses |
S$1,000,000 |
S$75,000 |
S$7,500 |
S$15,000 |
|
TIQ |
Pre-existing conditions |
S$1,000,000 |
S$10,000 |
S$10,000 |
S$3,000 |
*All calculations are based on a single trip to Japan, 5D6N for 1 adult.
Though Allianz may lag behind in areas like local medical expenses, its COVID-19 coverage is robust compared to other insurers. For instance, TIQ’s Overseas Medical Expenses coverage drops from S$1,000,000 to S$500,000 once you have a COVID-19 diagnosis — that is, if you have purchased their COVID-19 add-on. Another thing to note is that Allianz’s select COVID-19 cover also extends to other epidemic and pandemic diseases.
How to claim
- Fill in your personal details online and choose the benefits you are filing a claim for.
- Upload photos or scans of your supporting documents.
- Complete the "Payment Details" section by providing your bank account details.
Do note that although Allianz doesn’t require original documents to process claims, policyholders are advised to hold onto original documents for at least 6 months from the date of submission. This is in case they are needed for verification purposes.
Related pages
In addition to Allianz travel insurance, here are some other travel insurance providers available in Singapore:
AIG Travel Insurance Singapore
Allied World Travel Insurance Singapore
FWD Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
MSIG Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
Starr Travel Insurance Singapore
TIQ Travel Insurance Singapore
Tokio Marine Travel Insurance Singapore
Zurich Travel Insurance Singapore