Allianz Travel Hero Review: Fuss-Free Plan that is Value-For-Money

The newest kid on the block, Allianz Travel Hero is only available for purchase via SingSaver’s website. Check out how it fares among the rest!

Haven’t heard of this travel insurance product before? That's because Allianz Travel Hero is the newest insurance product in the market, and the cool part is you can only purchase it via SingSaver!

It’s 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!

Table of Contents

• Policy Summary
• Comparing Allianz Travel Hero To Other Plans
• Allianz Travel Hero Review
  • Medical Expenses
  • Coverage for Trip Disruptions
• Allianz Travel Hero Plans and Pricing
  • Single Trip Plan
  • Annual Plan
• Benefits: Is Allianz Travel Hero Good?
• List of Allianz Travel Hero Exclusions
• Allianz Travel Hero Pros & Cons
• Allianz Travel Hero Claim
• Detailed Review of Allianz Travel Hero
  • Single Trip Plan
  • Annual Plan
• Other Travel Insurance Provider Reviews

Policy Summary

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.

Coverage Highlights:

• High coverage for medical expenses incurred while traveling
• Comprehensive travel inconvenience coverage for unforeseen circumstances
• Personal liability protection for peace of mind

✅ Product Information

• Medical Expenses Coverage: Up to S$500,000 (Worldwide plan), including COVID-19
• Trip Cancellation Coverage: Up to S$15,000
• Baggage Loss/Damage Coverage: Up to S$7,000, with a sub-limit of S$1,000 for high-value items
• Travel Delay Coverage: Up to S$3,000
• Personal Liability Coverage: Up to S$1,000,000
• Rental Vehicle Excess: Up to S$3,000 (Asia-Pacific and Worldwide plans)
• Loss of Travel Documents Coverage: Up to S$8,000
• Personal Money Coverage: Up to S$500

➖ Exceptions

• Does not cover Pre-Existing Medical Conditions
• Does not cover Pregnancy and childbirth, except for sudden unforeseen medical complications or emergencies within the first 20 weeks/140 days of pregnancy
• Does not cover Professional or amateur sports competitions
• Does not cover Extreme Sports
• Does not cover Natural disasters
• Does not cover Terrorism
• Does not cover War

Comparing Allianz Travel Hero To Other Plans

Allianz Travel Hero stands out for its competitive premiums, offering significant value with high coverage limits for medical expenses and trip disruptions. The plan provides up to S$500,000 for overseas medical expenses under the Worldwide plan and includes COVID-19 coverage, making it a reliable choice for comprehensive health protection abroad. 

Additionally, Allianz Travel Hero covers up to S$15,000 for trip cancellations and interruptions, and up to S$3,000 for flight and baggage delays, ensuring travellers are well-compensated for any inconveniences.

Positioned as a well-padded safety net for those travelling overseas, Allianz Travel Hero combines affordability with robust coverage. 

With personal liability protection up to S$1,000,000 and additional benefits like rental excess car insurance abroad and reimbursement for lost personal money and travel documents, this plan provides extensive coverage without the cons and complexity of multiple tiers. 

Its straightforward and inclusive approach makes it a strong player in the travel insurance market, ideal for travellers seeking a good, dependable, and hassle-free insurance solution.

Allianz Travel Hero Plans Review

Allianz Travel Hero is a very simple product, and what you see is what you get! Here are the coverages worth mentioning:

Medical Expenses

Though this plan may seem simple, it actually offers decent coverage. For medical expenses overseas, you get up to S$500,000 coverage if you purchase the Worldwide plan, including COVID-19. Beyond that, you also get coverage for emergency dental care, with a sub-limit of S$500, and even coverage for continuation medical treatment when you’re back in Singapore, up to S$50,000 with a maximum of 14 days.

If you’re a believer in TCM, you can also get reimbursed up to S$500.

Other coverages offered by Allianz Travel Hero also include emergency transportation coverage, travel accident coverage and personal liability coverage of up to S$1,000,000, S$150,000 and S$1,000,000 respectively.

You may think that the chances of requiring such emergency coverage may be rare, but you never know when you’ll need it in unfortunate circumstances. It’s best to know that you’re covered in such circumstances for peace of mind.

Coverage for Trip Disruptions

One of the main draws of travel insurance is that you can make claims when you face trip disruptions, such as an unfortunate trip cancellation due to medical reasons, flight delays, or baggage loss.

Fortunately, Allianz Travel Hero offers decent coverage for trip disruptions as well.

If you have to cancel or interrupt your trip for any valid reason, you’re able to claim up to S$15,000 for the travel expenses you’ve already incurred. This also applies if you or your travel buddy contracts COVID-19. If your flight is delayed for at least 6 hours, you can claim up to S$3,000, with a daily receipt limit of S$400.

This also applies to baggage delays of more than 6 hours, where you are covered up to S$3,000.

If you happen to lose your baggage, get it stolen or have it damaged, you are able to claim up to S$7,000, with a sublimit of S$1,000 for all high-value items. If you lose your personal money or travel documents, you will be reimbursed up to S$500 and S$8,000 respectively.

Going on a road trip with a rental car? This plan offers up to S$3,000 for rental vehicle excess, but do note that the coverage is only applicable to Asia-Pacific and Worldwide regions. So if you’re heading to an ASEAN country, this coverage will not be extended to you.

Overall, for the price you're paying for, the coverage you're getting out of the plan is honestly quite value-for-money.

Allianz Travel Hero Plans and Pricing

Here are the premiums you’ll need to pay depending on the area you’re travelling to and the duration of your trip for both single trip plans and annual plans.

Single Trip Plan

Annual Plan

Whether or not you should purchase an annual plan or not depends on how frequently you travel. A general rule of thumb is that you should be travelling at least 6-7 times in a year before an annual plan is worth your money.

Do remember to compare the prices beforehand. While it could potentially save you money, it can also save you a great deal of hassle without having to purchase a single trip plan before every trip you embark on.

Benefits: Is Allianz Travel Hero Good?

1. Emergency Medical Evacuation & Repatriation

Allianz Travel Hero provides substantial coverage for emergency medical evacuation and repatriation. If you encounter a serious medical emergency while abroad, Allianz will cover the reasonable costs of transportation and en-route medical care required to evacuate you to the nearest appropriate medical facility or return you to Singapore for further treatment. 

2. High Trip Disruption Coverage

Allianz Travel Hero offers up to S$15,000 for trip cancellations or interruptions, including those caused by COVID-19. Additionally, if your flight is delayed for at least 6 hours, you can claim up to S$3,000. This minimises the financial impact of unforeseen travel disruptions, allowing you to travel with greater peace of mind.

3. Extensive Baggage Coverage

You can also claim up to S$7,000 for lost, stolen, or damaged baggage through Allianz Travel Hero, with a sub-limit of S$1,000 for high-value items. In the event of baggage delays exceeding 6 hours, you are covered up to S$3,000. 

4. Personal Liability Protection

Personal liability coverage under Allianz Travel Hero can go up to S$1,000,000, protecting you against legal liability for bodily injuries or property damage to third parties while you are travelling. This benefit is crucial for safeguarding your finances in case of unforeseen incidents that could lead to costly legal claims.

List of Allianz Travel Hero Exclusions

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

Allianz Travel Hero Pros & Cons

Allianz Travel Hero is a great no-frills travel insurance plan that can accommodate your travel needs. They have decent coverage, especially for trip disruptions, and are generally affordable as well. 

The great thing about it is that COVID-19 is inclusive in the base plans, so you won’t have to worry about reviewing your plan for additional add-ons in order to be covered for it.

Pros aside, because the product doesn’t offer different plan tiers to choose from, and instead the coverage varies based on where you’re travelling to, it might not be ideal if you value coverage customisibility. With no available add-ons as well, you are unable to opt for special add-on coverages according to your travel needs.

But on the flip side, this could make for a great hassle-free travel insurance plan ideal for travellers who do not like to compare plan tiers and coverage levels to decide which plan is best for them.

Beyond that, it also doesn’t offer coverage for pre-existing conditions. So if you do suffer from pre-existing medical conditions, injuries and illnesses, you won’t be able to claim for it if it does act up when you’re abroad.

Overall, it makes for a good fuss-free plan that is simple and convenient. It’s also highly value-for-money because of its decent coverages and affordability. Moreover, if you’re travelling as a family, you can purchase their family plan as well to opt for group coverage limits.

Allianz Travel Hero Insurance Promotion: Buy now to receive a Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. T&Cs apply.

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

Allianz Travel Hero Claim

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 from
• 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 6327 2215.

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.

Detailed Review of Allianz Travel Hero

Allianz Travel Hero offers a straightforward, value-for-money travel insurance plan that caters to various travel needs. Available exclusively through SingSaver, this plan is designed to provide essential coverage without the complexity of multiple tiers. Here's a closer look at the Single Trip Plan and Annual Plan options based on their features and benefits:

Allianz Travel Hero Single Trip Plan

The Allianz Travel Hero Single Trip Plan is good for travellers seeking comprehensive yet affordable coverage for one-off trips. This plan simplifies the selection process by basing coverage levels on the travel destination: ASEAN, Asia-Pacific, and Worldwide.

Coverage Highlights:

• Medical Expenses Overseas: Up to S$500,000 (Worldwide), including COVID-19 coverage, with emergency dental care up to S$500.
• Trip Disruption: Coverage for trip cancellations or interruptions up to S$15,000, including COVID-19 related disruptions.
• Travel Inconvenience: Compensation for flight and baggage delays up to S$3,000 each, and baggage loss or damage up to S$7,000.
• Personal Liability: Coverage up to S$1,000,000, providing peace of mind against potential legal issues abroad.
• Additional Benefits: Rental vehicle excess up to S$3,000 for Asia-Pacific and Worldwide plans, and coverage for loss of personal money (up to S$500) and travel documents (up to S$8,000).

The Single Trip Plan is particularly beneficial for those who prefer simplicity and do not require extensive customization. Its straightforward structure ensures that essential coverage is provided based on the destination, making it an excellent choice for both short regional trips and longer international journeys.

Allianz Travel Hero Annual Plan

For frequent travellers, the Allianz Travel Hero Annual Plan offers an all-encompassing solution that saves both time and money. This plan is designed to cover multiple trips throughout the year, providing continuous protection without the need to purchase a new insurance plan for each journey.

Coverage Highlights:

• Consistent Protection: All benefits of the Single Trip Plan are extended to multiple trips over a 12-month period.
• Cost-Effective: Ideal for individuals who travel frequently, with the rule of thumb being at least 6-7 trips per year to justify the cost.
• Convenience: Eliminates the hassle of purchasing travel insurance for every trip, ensuring continuous coverage.

The Annual Plan maintains the same high coverage levels for medical expenses, trip disruptions, travel inconvenience, and personal liability as the Single Trip Plan. It's a good fit for business travellers, avid explorers, or families who frequently travel together, providing consistent and reliable protection across all trips.

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.

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