Allianz Travel Insurance

Up to $5,000,000 personal liability cover and $6,000 rental vehicle excess are just two reasons to choose Allianz travel insurance for your next trip.

4.0 ★★★★★ (35 reviews) Write a review
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By

Cristal Dyer

Updated

Fact checked

Pros

  • You can customise your trip cancellation cover limit on every policy with Allianz. This will make sure you're only paying for the cover that you need.
  • Get a competitive rate of up to $5,000,000 for personal liability cover. Of the brands that we reviewed, this amount was only bested by World2Cover, Travel Insuranz and Insure4Less.

Cons

  • Allianz’s Basic plan is as basic as it gets. You’ll want to make sure the cheaper premium outweighs the lack of cover.
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Summary of Allianz Comprehensive policy

Overseas Medical and Hospital Expenses$20,000,000
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age Limit120

Table updated March 2024

How does Allianz Travel Insurance cover COVID-19?

Allianz’s policies have a general exclusion against epidemics and pandemics with a few exceptions for specific benefits. Here’s what you can expect to be covered for:

  • Pre-trip and on-trip cancellation costs if you or your travelling companion are diagnosed
  • Overseas medical and hospital expenses if you are diagnosed while on your trip
  • Additional expenses including accommodation and travel costs
  • Medical or hospital expenses while cruising including ship-to-shore evacuation cover (if Cruise Pack is purchased)

On top of Allianz’s COVID-19 coverage, you could be up for a partial refund of your insurance premium if you need to cancel or shorten your trip due to a COVID-19 mandatory quarantine period or border closure.

There are some scenarios that are not covered and you should review the Allianz Travel Insurance product disclosure statement (PDS) before deciding on whether this cover meets your needs.

If Allianz’s COVID-19 cover doesn’t quite make the cut, we’ve compared all the providers that offer cover for COVID-19 here.

What do Australians think of Allianz travel insurance?

  • 4.06/5 overall for Customer Satisfaction — lower than the average of 4.26
  • 4.43/5 for Trust — lower than the average of 4.57
  • 4.09/5 for Customer Service — lower than the average of 4.2

Based on Allianz travel insurance scores in Finder's 2024 Customer Satisfaction Awards.

What policies does Allianz offer?

Allianz travel insurance offers five levels of cover: Comprehensive, Basic, Domestic and Multi-Trip. Each of these can be purchased for a single traveller, a couple or an entire family. Allianz also offers a Non-Medical plan which can cover one insured person.

Travel plane luggage passport

Comprehensive

Passport

Basic

Hiking

Multi-trip

Australian Map Icon

Domestic

Luggage

Non-medical

Allianz travel insurance is underwritten by AWP Australia Pty Ltd.

It comes with a cooling-off period of 14 days which allows you to you cancel your policy if you change your mind and receive a full refund. You also have your choice of base excess that applies when claiming for an insured event. An excess is an amount you must first pay towards a claim, and you can lower the cost of your policy by selecting a higher excess.

Clare Lee's headshot

"I recently purchased Allianz travel insurance for a trip I made with my daughter to the UK. I decided on Allianz after doing some online research comparing prices and what was covered in policies across various companies. I was able to play around with the excess to make the amount cheaper or more expensive based on my own requirements. Luckily, I didn't need to make a claim while I was away, but my experience with Allianz was a positive one and I felt they stacked up well against other insurance companies when I was comparing. "

Clare Lee
Finder crew member

Here's a breakdown of Allianz travel insurance features

Standard features
Optional add-on
Exclusions

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Standard features

These are some of the features and benefits that are included in Allianz travel insurance policies. Some of these inclusions only apply to certain levels of cover (e.g. Comprehensive vs the Basic plan).

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Optional add-on

Along with Allianz’s four levels of cover, you’ve got further flexibility through its add-on packs. These packs let you tailor your policy with extra cover by paying an additional premium.

  • Adventure pack. If you’re planning something adventurous that’s not automatically covered, you can add cover for a selection of riskier sports and activities such as abseiling, outdoor rock climbing and hiking.
  • Cruise pack. Extend your cover to also include any claims related to cruise travel, including evacuation cover, cabin confinement and pre-paid shore excursion cancellation.
  • Increase item limits cover. Travelling with high-value items? Get a higher limit on your cover for the loss, theft or accidental damage to, luggage and personal effects than the one your chosen plan offers.
  • Snow pack. Cover for snow sport activities - including emergency rescue, hire as well as your own snow sport equipment, piste closure, bad weather closure and more.

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Exclusions

All travel insurance providers have some exclusions built into their policies and they’re usually pretty similar. This is the one part of your policy documents that you’ll want to pay close attention to, however, as it’s why a fair chunk of travellers wanting to claim, get rejected. Here are a few key things Allianz won't cover you for:

  • Travelling when you know you are unfit or against medical advice
  • A pre-existing medical condition not approved by Allianz
  • Self-harm, suicide, or attempted suicide
  • Diving alone
  • Ignoring safety warnings
  • You being affected by any intoxicating drug or liquor to the extent that your physical, or mental functions, or your judgement are impaired
  • Participating in professional sport of any kind
  • Pregnancy after the start of the 24th week
  • Driving or riding a vehicle as the driver unless you hold the appropriate
    class of licence
  • Elective surgery or treatment

    • Make sure you review Allianz’s PDS for a full rundown of what isn't covered, found under its list of general exclusions.

How to make an Allianz Travel Insurance claim

You can email Allianz at travelclaims@allianz-assistance.com.au to request a claim form.

Alternatively, you can submit a claim online by following these steps:

  1. Head to https://claimmanager.com.au/aga/agreement
  2. Enter your full name, date of birth and policy number to log in
  3. Describe your trip and the incident you’re claiming for
  4. Upload any supporting documents relevant to your claim
  5. Submit the claim, and you should hear back within 10 business days

Here's the bottom line about Allianz Travel Insurance

Allianz is considered a global leader in insurance and its policies cover you for a range of unexpected events that may affect your trip. $20,000,000 overseas medical and hospital expenses and up to $5,000,000 for personal liability cover put Allianz at the top of the pack when it comes to peace of mind on your trip. Plus, its flexible cancellation cover lets you choose how much you’ll actually need without forcing you to pay for unnecessary cover.

The insurer isn’t for everyone, though. Allianz considers pregnancy a pre-existing condition which means you’ll need to complete a medical assessment. If you’re looking for comprehensive COVID-19 cover, Allianz gets close but there are still a handful of exclusions that might make you think twice.

If you're still not sure about Allianz, you can compare other travel insurance companies here.

Frequently asked questions

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Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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