Allianz Travel Insurance
Allianz travel insurance offers plans across 3 tiers: Basic, Silver and Platinum. Insured travellers get access to benefits such as extensive medical coverage and 24/7 global assistance. Allianz also offers a hassle-free online claims submission system.
Allianz Single Trip Basic
- Price: From S$63.00
- Medical coverage (overseas): Up to S$200,000
- Trip cancellation coverage: Up to S$1,500
- Loss/Damage of baggage coverage: Up to S$1,000
Key features
- Access to 24/7 assistance for medical emergencies
- Optional COVID-19 cover available for Travel Inconveniences, Overseas Medical Expenses, Emergency Transportation and more.
- Up to S$1,500 for trip cancellation or curtailment
- Up to S$1,000 for loss or damage to personal belongings
- Covered under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC)
Plan highlights
- Up to S$1,000,000 for emergency medical transportation during your trip
- Up to S$200,000 in overseas emergency medical coverage, inclusive of dental and Traditional Chinese Medicine treatments
- Up to S$250 for Baggage Delay coverage (Minimum delay of 6 hours required)
Covid-19 protection
- Up to S$200,000 in overseas emergency medical coverage for adults under 70 years of age
- Up to S$50,000 in overseas emergency medical coverage for adults 70 years of age and above
- Up to S$1,000,000 Emergency Transportation coverage
- Up to S$1,500 Trip Cancellation coverage if you cancel your trip before departure
Allianz Single Trip Silver
- Price: From S$107.00
- Medical coverage (overseas): Up to S$500,000
- Trip cancellation coverage: Up to S$5,000
- Loss/Damage of baggage coverage: Up to S$3,000
Key features
- Access to 24/7 assistance for medical emergencies
- Optional COVID-19 cover available for Travel Inconveniences, Overseas Medical Expenses, Emergency Transportation and more.
- Up to S$5,000 for trip cancellation or curtailment
- Up to S$3,000 for loss or damage to personal belongings
- Covered under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC)
Plan highlights
- Up to S$1,000,000 for emergency medical transportation during your trip
- Up to S$500,000 in overseas emergency medical coverage, inclusive of dental and Traditional Chinese Medicine treatments
- Up to S$100 in hospital cash overseas for every 24 hours you are hospitalised (capped at S$1,000)
- Up to S$2,000 coverage of resumption of medical treatment in Singapore
- Up to S$1,000,000 for personal liability cover
Covid-19 protection
- Up to S$500,000 in overseas emergency medical coverage for adults under 70 years of age
- Up to S$75,000 in overseas emergency medical coverage for adults 70 years of age and above
- Up to S$1,000,000 Emergency Transportation coverage
- Up to S$5,000 Trip Cancellation coverage if you cancel your trip before departure
- Up to S$5,000 Trip Curtailment coverage for recovering unused costs if you end your trip early
Allianz Single Trip Platinum
- Price: From S$151.00
- Medical coverage (overseas): Up to S$1,000,000
- Trip cancellation coverage: Up to S$10,000
- Loss/Damage of baggage coverage: Up to S$5,000
Key features
Access to 24/7 assistance for medical emergencies
- Optional COVID-19 cover available for Travel Inconveniences, Overseas Medical Expenses, Emergency Transportation and more.
- Up to S$10,000 for trip cancellation or curtailment
- Up to S$5,000 for loss or damage to personal belongings
- Covered under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC)
Plan highlights
- Up to S$1,000,000 for emergency medical transportation during your trip
- Up to S$1,000,000 in overseas emergency medical coverage, inclusive of dental and Traditional Chinese Medicine treatments
- Up to S$100 in hospital cash overseas for every 24 hours you are hospitalised (capped at S$2,000)
- Up to S$2,500 coverage of resumption of medical treatment in Singapore
- Up to S$1,000,000 for personal liability cover
Covid-19 protection
- Up to S$1,000,000 in overseas emergency medical coverage for adults under 70 years of age
- Up to S$100,000 in overseas emergency medical coverage for adults 70 years of age and above
- Up to S$1,000,000 Emergency Transportation coverage
- Up to S$10,000 Trip Cancellation coverage if you cancel your trip before departure
- Up to S$10,000 Trip Curtailment coverage for recovering unused costs if you end your trip early
- Up to S$5,000 in Trip Incident coverage (protects against Early Return, Trip Continuation and Extended Stay possibilities)
Leisure activities
- Up to S$1,500 for missed sports activities if you miss a prepaid activity during your trip
- Up to S$2,500 if your sporting equipment is lost, stolen or damaged on your trip
- Up to S$1,000 if you rent sporting equipment due to your personal goods becoming lost, stolen or damaged on your trip
- Up to S$10,000 for Search and Rescue in the event that you are reported missing or need to be rescued during your trip
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 |
|
|
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
- 1. Fill in your personal details online and choose the benefits you are filing a claim for.
- 2. Upload photos or scans of your supporting documents.
- 3. 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.
Frequently Asked Questions About Allianz Travel Insurance
How do I cancel my Allianz Travel Insurance policy?
Yes, you may cancel your policy within 14 days of receiving your Certificate of Insurance. You will be fully refunded provided you have not started your trip or made any claims. You can still cancel your policy after 14 days or more have passed, however, you will no longer be eligible for a full refund.
Am I eligible for a refund when I cancel my Allianz Travel Insurance policy?
You will be given a full refund if you cancel your policy within 14 days of receiving your Certificate of Insurance. Cancellations made after this period will be subject to a pro rata portion of the paid premium for the unexpired period of the coverage, up to a period of 6 months.
Can I extend my Allianz policy while I am already overseas?
If your return home is delayed by unforeseen events, such as illness or delayed flights, we will automatically extend your policy up to a maximum of 90 days. Please contact us at least 7 days before your policy ends if you need an extension for any other reason. Please note that there is no guarantee that your extension will be granted.
Can I purchase Allianz travel insurance if I am already abroad?
Allianz recommends purchasing travel insurance one day before the start of your trip at the latest. This is to protect you from unforeseen circumstances before your trip, such as contracting COVID-19 and having to cancel your trip.
Which countries are excluded from Allianz travel insurance coverage?
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.
What does "Cancel For Any Reason" mean and what does it cover?
Trip Cancellation protects you against unforeseen circumstances such as a death in the family or a serious illness that necessitates foregoing your trip. "Cancel For Any Reason" coverage extends that coverage to cancellations made for other reasons, such as last-minute work commitments.
Related pages
In addition to Allianz travel insurance, here are some other travel insurance providers available in Singapore:
AIG Travel Insurance SingaporeAllied World Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
MSIG Travel Insurance Singapore
Seedly Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
Starr Travel Insurance Singapore
TIQ Travel Insurance Singapore
Tokio Marine Travel Insurance Singapore
