Allianz Travel Insurance Reviews 2024

Last updated 16 August 2023
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Best in the market for high medical coverage benefit.

Allianz Travel Insurance plans, which come in Basic (previously Bronze), Silver and Gold plans, are ideal for travellers looking for high medical coverage and ease of mind at competitive prices. Is Allianz Travel Insurance worth it? Let’s review to see if it is a valuable buy especially if you are travelling to areas where medical treatment costs an arm and a leg.

Summary

Table of Content

Comparing Allianz Travel Insurance to Other Plans


All figures based on single-trip travel insurance (basic plans) for a 1-week trip to Thailand with no promotions applied.

Plan Type
Cancellation
Medical Coverage
Loss of Bags/Belongings
Emergency Medical
Automatic Extension of Cover
Rental Vehicle Excess Cover
Global 24-Hour Emergency Assistance
Sports and Sports Equipment Cover
Basic
S$1,500
S$200,000 
S$1,000
 Up to S$1,000,000
 Yes
Yes
Yes
No
Silver
S$5,000
S$500,000  
 S$3,000 
Up to S$1,000,000 
Yes 
Yes
Yes
No
Platinum S$10,000 S$1,000,000    S$5,000 Up to S$1,000,000  Yes  Yes Yes Up to S$2,500

 

Let’s review the three global travel insurance plans Allianz Travel offers. All three are available as single-trip or annual plans:

  • Basic: Basic coverage for budget travellers
  • Silver: Strong coverage at affordable prices for families
  • Platinum: Extensive coverage with high medical limits

 

Basic Plan

Previously known as the Allianz Travel Bronze Plan, the Basic Plan, is affordable and offers value-for-money. Key coverages include:

  • Trip Cancellation/Loss of Deposits: Up to S$1,500
  • Medical Expenses: Up to S$200,000
  • Emergency Medical Evacuation: Up to S$1,000,000
  • Dental Coverage: Sublimit up to S$250

 

Silver Plan

The Allianz Travel Silver Plan provides strong coverage at affordable prices. Key benefits include:

  • Trip Cancellation/Loss of Deposits: Up to S$5,000
  • Baggage Delay: S$500 for every six hours of delay overseas
  • Emergency Medical Evacuation and Repatriation: Up to S$1,000,000

 

Platinum Plan

The Allianz Travel Platinum Plan offers extensive coverage and high medical limits. Key coverages include:

  • Trip Cancellation/Loss of Deposits: Up to S$10,000
  • Baggage Delay: S$1,000 for every six hours of delay overseas
  • Emergency Medical Evacuation and Repatriation: Up to S$1,000,000
  • Sports and Sports Equipment Cover: Up to S$2,500

Allianz Travel Insurance Plans and Pricing

Let’s review Allianz travel insurance plans and see how they stack up against the industry average when compared between similar tiers.

Basic Plan

Figures based on a 1 week single-trip insurance plan for 1 adult to Thailand. The industry average figures in this table serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Coverage Categories
Premium / Coverage Limitations
Industry Average for Premium / Coverage Limitations
1 Week ASEAN Trip
From S$17.50
S$35
Overseas Medical Expenses
Up to S$200,000
S$200,000  
Emergency Evacuation Up to S$1,000,000 S$550,000
Trip Cancellation Up to S$1,500 S$6,000
Loss or Damage of Baggage Up to S$1,000 S$3,000

 

Silver Plan

Figures based on a 1 week single-trip insurance plan for 1 adult to Thailand. The industry average figures in this table serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Coverage Categories
Premium / Coverage Limitations
Industry Average for Premium / Coverage Limitations
1 Week ASEAN Trip
From S$21
S$50
Overseas Medical Expenses
Up to S$500,000
S$510,000  
Emergency Evacuation Up to S$1,000,000 S$1,000,000
Trip Cancellation Up to S$5,000 S$9,000
Loss or Damage of Baggage Up to S$3,000 S$4,900

 

Platinum Plan

Figures based on a 1 week single-trip insurance plan for 1 adult to Thailand. The industry average figures in this table serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Coverage Categories
Premium / Coverage Limitations
Industry Average for Premium / Coverage Limitations
1 Week ASEAN Trip
From S$40
S$62
Overseas Medical Expenses
Up to S$1,000,000
S$1,000,000
Emergency Evacuation Up to S$1,000,000 S$1,000,000
Trip Cancellation Up to S$10,000 S$15,000
Loss or Damage of Baggage Up to S$5,000 S$7,000

 

Benefits: Is Allianz Travel Insurance Good?

#1 Pandemic or endemic diseases

Is Allianz travel insurance worth it? Unlike other insurers that only strictly cover for COVID-19 and excludes other pandemic or endemic diseases, Allianz does cover for all. This feature covers you for any potential diseases like MonkeyPox, SARS or any other yet-to-be-discovered diseases. As these pandemic situations are always very unexpected and happen very quickly, you'll have the peace of mind knowing that you are covered in the event of such instances.

#2 Search and rescue costs

Vacations are always meant to be enjoyable and relaxing, but in certain unfortunate scenarios where you or your travel buddies go missing, Allianz travel insurance will cover search and rescue costs up to S$10,000 in hopes of locating any missing persons. This is a good type of coverage that not many insurers offer.

#3 Coverage for severe weather

In the event your trip is cancelled or curtailed due to severe weather like snow storms or thunderstorms, Allianz travel insurance will review your situation and allow you to make claims up to the specified claim limits. This coverage is usually not offered by other insurers, or they'll require you to pay additional premiums to get covered. But with Allianz, this is covered under your base plan. On top of that, under the sports coverage, you'll also be reimbursed if your prepaid activity is cancelled by the supplier due to severe weather.

List of Allianz Travel Insurance Exclusions

When considering Allianz Travel Insurance, it's important to review all the common exclusions that apply to all plans. Understanding these exclusions helps ensure you know what is and isn't covered under your policy, avoiding any surprises during claims.
Medical Exclusions
 Trip Inconvenience and Sports Exclusions
Pre-existing conditions No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
Travelling when medically unfit Travelling against advice of regulatory authorities/ Travelling to a country at war
Pregnancy, childbirth, related complications or any medically assisted conception unless otherwise stated in the benefit Items taken/ destructed by customs or other officials
Claim arises from or is any way connected to any elective medical, surgery or dental treatment Participation in sports activities to receive financial compensation
Travelling against Medical Practitioner’s advice
No benefit payable for additional expenses or fees arising from errors or omissions in your booking arrangements or your failure to obtain relevant visa or passport documents

 

Allianz Travel Insurance Pros & Cons

Need a quick review to know if Allianz Travel Insurance is worth it? Here’s a breakdown of the pros and cons across all plans.
Pros
Cons

  • Up to S$1,000,000 unlimited emergency medical evacuation for all plans
  • Automatic Extension of Cover up to a maximum of 30 days
  • A reputable insurance provider with a strong global presence
  • Comprehensive list of over 40 general exclusions and benefit specific ones
  • No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
  • No benefit payable for claims arising from pre-existing conditions

 

Allianz Travel Insurance Claim

Submitting a claim with Allianz Travel Insurance is straightforward and convenient, offering multiple channels to ensure you receive the support you need.

Online Claims: The fastest and easier way to file a claim is through the Allianz Travel Insurance online claims portal. Simply fill up the form and submit it online. Click here to file a claim. 

Customer Service: For immediate claims assistance or to speak directly to a representative, you can contact Allianz Customer service at +65 6327 2210. 

Claims Enquiries: If you have specific questions about an existing claim or need further clarifications on the claims process, you can reach the Allianz claims enquiries team at +65 6327 2215. 

Claims Email: You can also submit your Allianz Travel Insurance claim by emailing your documents and claim form to sg.travelhelp@allianz.com

Detailed Review of Best Travel Insurance in Allianz

Basic

Online reviews for the Allianz Travel Insurance Basic Plan highlight its affordability and essential coverage, making it a popular choice for budget travellers. Users appreciate the coverage for trip cancellation and medical emergencies, but some note that the lower coverage limits may not be sufficient for more comprehensive travel needs.

 

Silver

The Allianz Travel Insurance Silver Plan receives positive feedback for its balanced coverage and affordability. Reviews often mention its suitability for family trips, with adequate coverage for trip cancellations, medical emergencies, and baggage loss. However, some users suggest that the claim process could be streamlined for quicker resolutions.

 

Platinum

The Allianz Travel Insurance Platinum Plan is highly praised for its extensive coverage and high limits, catering to frequent and adventurous travellers. Reviews appreciate the additional benefits for sports and equipment coverage, as well as the high medical coverage limits. While the plan is more expensive, users feel the peace of mind and comprehensive protection it offers are well worth the investment.

Other Travel Insurance Provider Reviews

Want to see what other providers have to offer? Explore even more travel insurance provider reviews by SingSaver:

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

 

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