Australian-based case managers, with registered nurses and doctors available.
Why choose Allianz Travel Insurance?
24/7 emergency assistance
Pre-existing medical condition cover
You may be eligible for pre-existing medical condition cover on Comprehensive, Multi-Trip and Domestic plans.
Make a claim online
You can make a claim online while you’re travelling or when you return.
Why buy travel insurance?
Embarking on your next trip is exciting, and while you hope the unexpected doesn’t happen, it’s best to be prepared. Buying Allianz Travel Insurance for your trip can offer cover for minor things, like a delayed suitcase,1 or significant things, like an unexpected trip cancellation1 or an overseas medical emergency.1 Allianz has partnered with emergency medical assistance provider, Allianz Global Assistance, to help make sure you have the support and care you need.
Do you need emergency assistance? If your condition is life threatening, call the emergency services immediately. Then, call Allianz Global Assistance as soon as you can on: +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia).
Note: Additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
Cover during epidemics and pandemics
Travel has changed since the COVID-19 global pandemic. Find out what you should do before travelling and what is and isn’t covered by Allianz Travel Insurance.
Travel has changed since the COVID-19 global pandemic. Find out what you should do before travelling and what is and isn’t covered by Allianz Travel Insurance.
Cover types
Depending on the plan you choose, Allianz will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you. These are summaries only.
Single
Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full time and will be with you for 100% of your journey.
Duo
Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.
Family
Covers you, your spouse or partner, and your dependants named on the Certificate of Insurance who are under 25 years, not employed full time and will be with you for 100% of your journey.
Plans
Depending on your age, where you’re travelling to, and the length of your trip, you may be offered one, two, or three different plans. The below is only a summary.
Domestic
Cover for a single trip within Australia.
Plus, for an additional premium, you may be eligible to add Snow, Cruise, and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Essentials
Budget-friendly cover for a single overseas trip.
Comprehensive
Cover for a single overseas trip.
Plus, for an additional premium, you may be eligible to add Snow, Cruise, and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Multi-trip
Cover for multiple trips within a 12-month period. Each individual trip can be up to 15, 30 or 45 days in duration.
Plus, for an additional premium, you may be eligible to add Snow, Cruise, and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Optional Cover
Snow pack
Going to the snow? You may be eligible to add a Snow Pack that’s designed to cover snow sport activities including amateur skiing, snowboarding, sledding, tobogganing, or tubing. A Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more.1
Cruise pack
Going sea or ocean cruising? Add a Cruise Pack that’s designed to cover medical costs onboard, ship-to-shore evacuation, pre-paid shore excursion cancellation, cabin confinement and more.1
Adventure pack
Doing adventure activities? You may be eligible to add an Adventure Pack to your plan that is designed to cover a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling, and much more.1
Increased Item Limits Cover
Taking higher-value items? To increase the item limit for higher-value items, add Increased Item Limits Cover to your plan, so your item may be covered for a higher value if it’s stolen, lost or damaged.1
Ready to get started?
Epidemics and pandemics
Always consult the Smartraveller website before you travel.
Travel has changed dramatically since COVID-19 became a worldwide pandemic. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means the insurer doesn’t cover claims that arise from, or are related to, an epidemic or pandemic.
However, Allianz Travel Insurance offers cover under selected benefits if, during your period of cover, you’re positively diagnosed as suffering from a sickness recognised as an epidemic or pandemic, such as COVID-19. To see which benefits offer cover if you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply, refer to the Product Disclosure Statement.
If a COVID-19 border closure or mandatory quarantine period prevents you from travelling or requires you to shorten your journey while travelling, you may be entitled to cancel your policy and receive a partial or full premium refund. For terms and conditions, refer to the Product Disclosure Statement.
Make sure you stay up to date and comply with travel information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT) Smartraveller website, World Health Organisation (WHO), and Department of Home Affairs.
In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Prior to travelling, check with the nearest embassy, consulate or immigration department of your destination.
Frequently asked questions
Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.
Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.
Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.
The length of your Allianz Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.
The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.
If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy. Different start and end dates apply, refer to the Product Disclosure Statement for full details.
Travel insurance exclusions are the activities, equipment and circumstances that your travel insurance provider won’t cover in the event of a claim, meaning that you’ll be responsible for any costs incurred.
No, you must buy Allianz Travel Insurance before you’ve started your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
It’s up to you when you buy Allianz Travel Insurance. However, keep in mind these three things:
- You can buy our Travel Insurance up to 12 months in advance.
- You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
- Depending on the plan you choose you may have trip cancellation cover. This covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying Allianz Travel Insurance as soon as you’ve booked and paid for some or all of your trip. Then, you may be covered for such events before you depart.
Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.
You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.
There are a number of scenarios that aren’t covered by Allianz Travel Insurance, such as accommodation booking errors, intentionally acting in a way that poses a risk to your safety, or medical expenses incurred within Australia. You can find out more about what is or isn’t covered by reading the Product Disclosure Statement.
No. You won’t be covered if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of. This means an advice or warning that’s been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller, or which was published in a reliable mass media source.
Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination or destinations.
Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.
Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.
Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.
A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.
Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.
Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.
*Conditions apply
- Terms and conditions
Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details, refer to the Product Disclosure Statement.