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Are you considering Allianz for your next travel insurance policy? We’ve gone through the fine-print to answer your burning questions about Allianz, their travel insurance plans, any important exclusions, and which policy add-ons you might need, so you can find the right policy for your needs.

About Allianz

Allianz is a general insurance company that’s been in operation for 130 years globally. During that time, they’ve insured over 100 million customers across 70 countries. Their travel insurance policies are issued and managed by AWP Australia, underwritten by Allianz.

Rates and fees verified as correct at 23 May 2022. Other information correct at the time of writing.

Allianz travel insurance policies

Allianz offers single or multi-trip domestic travel insurance, as well as comprehensive and basic international travel insurance

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Basic Plan

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Comprehensive Plan

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • Choose $0 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $2,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Multi-Trip Plan (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • Choose $0 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $2,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Multi-Trip Plan (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • Choose $0 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $2,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Basic Plan

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Comprehensive Plan

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • Choose $0 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $4,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Basic Plan

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Comprehensive Plan

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Events
    • Choose $0 to unlimited

    • $20,000

    • $100,000

    • $100,000

    • $4,000

    • $10,000

    • $50,000

    • $50,000

    • $10,000

    • $10,000

    • $10,000

    • $6,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What is included in an Allianz international travel insurance policy?

Allianz has two international travel insurance policies. These are the Basic and Comprehensive policies.

But remember: check Mozo’s data fields or the Allianz product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the range. 

Allianz’s Basic policy is their budget option, which may provide the bare essential benefits, like:

If you opt for Allianz’s Comprehensive travel insurance policy, then you could be covered for:

Does Allianz travel insurance have COVID-19 cover?

Allianz does provide some cover for COVID-19, however it may be subject to certain conditions. One important condition to note is that if there’s a Smartraveller warning for your destination which is at the level of ‘Do not travel’ or ‘Reconsider your need to travel’, then no COVID-19 cover will be provided. 

COVID-19 related benefits may include:

What other optional extras can I add to my Allianz policy?

Increased item limits cover

If you wish to increase the cover limit for specific personal items, like luggage, a camera or jewellery, you can pay an extra premium to do so. The maximum combined cover limit is $7,000 for all items. However, this option isn’t available on their international Basic plan. 

Cruise pack

If you’re travelling for 2 or more nights on a cruise ship, then you’ll need to purchase cruise travel insurance on top of your policy. If you do not get this optional extra, then any claims related to any part of your journey on a cruise ship will not be covered. However, if your cruise doesn’t leave Australian waters, or if you’re only cruising down rivers, you won’t need to apply for this add-on, as it is automatically covered under their activities.

Allianz’s cruise cover offers the following benefits:

Snow pack 

Snow travel insurance is important if you’re hitting the slopes, and without it you may not be covered for any claims relating to snow sports. Allianz’s snow sports cover only applies if you’re skiing or snowboarding on-piste (meaning within the boundaries of the ski field), you are not competing in a race, or participating in a professional capacity. 

Allianz’s snow sports cover offers the following benefits:

Adventure pack

Allianz covers a lot of different activities under their policy automatically. These range from archery to go-karting, to paintball, and even rockwall climbing. But, if your taste in adventure is a little riskier, then you’ll need to purchase the Adventure pack to get the cover benefits for those activities. 

Allianz’s Adventure pack includes some of the following activities:

This list isn’t exhaustive, so check out Allianz’s PDS to see if your adventure activities are covered, and if there are any important conditions to note.

Are pre-existing medical conditions covered under Allianz’s travel insurance?

Allianz does not automatically include cover for pre-existing medical conditions, although you can apply for cover of your conditions when getting a quote for your policy. You will only be covered if your pre-existing condition is listed on your certificate of insurance, so make sure you disclose any conditions that you do have at the time of applying. 

To apply for cover of your pre-existing medical condition, either contact Allianz on 13 1000 or complete an online medical assessment. They will then tell you if your condition is able to be covered.

What exclusions are there to look out for in an Allianz travel insurance policy?

If the country you are travelling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under Allianz’s policies regarding any COVID-19 claims. 

A brief list of general exclusions also include claims relating to:

What do I do if there’s an emergency during my trip?

If there’s an emergency, contact Allianz’s 24 hour emergency assistance and claims line on: 

How do I make a claim with Allianz travel insurance?

To make a claim, head online to Allianz’s claim portal and follow the prompts, or request a claim form by emailing travelclaims@allianz-assistance.com.au. You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. Allianz will aim to notify you of the success of your claim within 10 working days. 

Is it possible to cancel my Allianz travel insurance policy?

You can cancel your policy and receive a full-refund within 14 days of purchasing it, provided you have not started your journey or intend to make a claim. If you want to cancel after the 14 day cooling-off period, then you could receive a partial refund, depending on how much time has passed.

How is Allianz Travel Insurance rated by the Mozo Community?

Read how the Mozo community has rated Allianz Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Allianz travel insurance
7.0

Overall 7.0

7.1

Value for money

6.3

Policy coverage

5.6

Customer service

4.5

Claims handling

6.9

Trust

182 Reviews

Recent Allianz travel insurance customer reviews Recent Allianz travel insurance customer reviews

Allianz logo

Allianz Travel Insurance review

Overall rating   3 / 10

Poor customer service and slow response time.

It is so difficult to contact them. You have to spend more than one hour waiting. They do not provide a reference number so you will have to call them several times to make a follow up. It took more than two months for a refund to be resolved. And...

Full review

It is so difficult to contact them. You have to spend more than one hour waiting. They do not provide a reference number so you will have to call them several times to make a follow up. It took more than two months for a refund to be resolved. And they do not have an easy system to make complaints.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   7 / 10

Less

Anoynmous, New South Wales, reviewed 12 months ago

Allianz logo

Allianz Travel Insurance review

Overall rating   9 / 10

Great value.

The Allianz travel insurance quote was very easy to do online as an individual. They also offered the best value for coverage that I could find.

Full review

The Allianz travel insurance quote was very easy to do online as an individual. They also offered the best value for coverage that I could find.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Trust   8 / 10

Less

Michael, New South Wales, reviewed about 1 year ago

Allianz logo

Allianz Travel Insurance review

Overall rating   9 / 10

Decent people and easy to get in touch with

Separated my shoulder in Canada had no dramas getting my claim sorted.

Full review

Separated my shoulder in Canada had no dramas getting my claim sorted.

    Value for money   10 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   9 / 10

    Trust   10 / 10

Less

Robert, Queensland, reviewed about 1 year ago

Allianz logo

Allianz Travel Insurance review

Overall rating   7 / 10

Overall good!

Allianz were overall good, they were difficult when it came to processing my travel insurance claim and there was a lot of back and forth even after evidence was provided but they did approve in the end.

Full review

Allianz were overall good, they were difficult when it came to processing my travel insurance claim and there was a lot of back and forth even after evidence was provided but they did approve in the end.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   7 / 10

    Claims handling   6 / 10

    Trust   7 / 10

Less

Laura, Victoria, reviewed about 1 year ago

Allianz logo

Allianz Travel Insurance review

Overall rating   1 / 10

Bunch of thieves.

Be sure you read the fine print. This bunch of thieves chose to "Opt Out" of any and all responsibility because of a "Get out of gaol free" clause that says they don't have to pay for anything in the event of a pandemic ... even when the airline...

Full review

Be sure you read the fine print. This bunch of thieves chose to "Opt Out" of any and all responsibility because of a "Get out of gaol free" clause that says they don't have to pay for anything in the event of a pandemic ... even when the airline stated that the claim was caused by "a change in their flight operations."

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Robert, New South Wales, reviewed about 1 year ago

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Compare Allianz Travel Insurance policies with other Australian insurance companies

It’s all good to know about Allianz Travel Insurance policies and their features but your research will be incomplete until you compare Allianz with other travel insurance providers. Use our travel insurance comparison tool, to compare and shortlist the best policy based on your travel plans. Just type in some basic details like your destination, travel dates, number and age of travellers, and we’ll instantly give you a list of providers with their respective policies and pricing including to make the comparison easier.

If you’re looking for more information on travel insurance, check out our detailed guides on a number of subjects such as pre-existing conditions, seniors travel insurance and family travel insurance. You can also head over to our travel section for more money savvy tips as well the best $20 series where real travellers share their secrets from across the world.