We are pleased to provide you answers to some of the most commonly asked questions about our travel insurance. If you have additional enquiries, please contact us at: travel@nextcarehealth.com
Frequently Asked Questions
Purchase
How much does a policy cost?
Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any options are required.
To find out how much a policy costs:
How can I buy a policy?
You can buy a policy online using one of these credit cards: Visa, Mastercard. Follow the process outlined above and if you are happy with the cover and price continue to the payment screen entering your card details.
How do I know that buying my policy online is secure?
Allianz Travel uses a secure payment gateway that makes the credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, simply get approval or decline from the banking institution. Once authorised, it's instant travel insurance cover - your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes for you to print as required. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal. For more information you could visit www.ssl.com but you can be assured that your transaction is at least as safe as any other normal offline credit card transaction. All of your personal details are protected and encrypted before they are sent for processing.
Cover
What if I change my mind about buying the policy?
Since your satisfaction is our priority, we are pleased to give you 14 days to review your policy. If, during this 14-day period, you are not completely satisfied for any reason, you may cancel your policy and receive a full refund. Please note that this refund is only available if the trip has not started and if a claim has not been initiated.
Contact us by WhatsApp: +971 56 216 4563
Can I buy Allianz Travel insurance if I am not a resident of South Africa?
No, you can only be covered if you are a resident in South Africa.
Does it matter who I book my travel arrangements through?
No, Allianz Travel insurance may be purchased independently.
Does Allianz Travel offer an Annual multi-trip policy?
Yes, apart from policies for single trips of up to 92 days we also offer annual multi-trip cover . The annual multi-trip policy provides cover for any number of trips throughout the policy year, as long as no one trip is booked to last longer than 92 days.
Is there an age limit on the Travel insurance policy ?
Yes, our travel insurance policies are available to persons aged up to 85 years with our Sports cover extension available to persons aged up to 65 years.
When does cover begin and end?
You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is purchased.
Single trip insurance cover ends on arrival to destination or on the date shown in your policy, whichever is earlier. Annual multi-trip policies
terminate on the expiry date of the policy.
Single trip insurance cover ends on arrival to destination or on the date shown in your policy, whichever is earlier. Annual multi-trip policies
terminate on the expiry date of the policy.
What is the maximum trip length?
Single trip cover can be purchased for trips up to 90 days. Our annual multi-trip policy covers you for a year but no one trip within this period can exceed 90 days duration.
If I return home early do I get a refund of my premium?
If you buy a 92 day single trip policy and return home after 60 days, the policy is terminated and you don't get a refund and you need to purchase a brand new policy for your next trip. Annual multi-trip policies offer the flexibility of travel however no one trip must exceed 92 days.
Are there any exclusions to the policy?
Yes. Some exclusions and conditions are specific to individual sections and General exclusions and Conditions apply to the policy overall. There is also a Health declaration with health exclusions that apply for cover to be effective. Please read the policy wording carefully to ensure you have the cover you need.
Am I covered for any existing medical conditions?
The policy does not cover claims relating directly or indirectly to any existing medical conditions, if you or anyone to be insured has at the time of taking out this insurance or booking your journey (whichever is the later):
Please click here to read the Health Declaration for more information.
Am I covered for skiing or other adventure activities?
Allianz Travel insurance covers many adventure activities. To be covered for skiing and other winter sports you will need to add the 'Winter Sports' option when purchasing your policy. Please refer to the definition of 'Hazardous activity' within the policy document to understand what activities we do and do not cover. If in doubt, please send us an email.
Am I covered for loss of cash?
Yes, Loss of personal money is covered under the following products : Travel Local, Travel Plus and Travel Extra only.
Policy
How do I get my insurance documents?
Allianz Travel insurance is all online, so we do not send any policy documents in the post. When you buy a policy, we will send you an email confirming the cover you have purchased and policy documents for you to download, print and save. You can also download the policy document here to view the terms and conditions of the cover.
Can I purchase a policy if I have already started my journey?
No, you cannot purchase the policy if you have already left on your travels.
If I have any queries, who do I contact?
WhatsApp our customer service line on +971 56 216 4563 or email at: .Please note that we are unable to give you any advice on whether this product is suitable for your needs.
Claims
Can I still claim even if I don't have receipts for all my personal possessions?
Yes. These claims will still be considered, please be aware though that when we receive a personal possessions claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce receipts for each and every item, however, we do expect that you should be able to provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Do these documents conclusively prove that I owned this item?"
Who do I contact in the event of a medical emergency?
Our medical emergency team is available 24 hours a day to assist you. You can reach them by calling the +971 4 270 8705 ; email at: assistance@nextcarehealth.com
Who do I contact to make a claim?
You can open a claim on our Online Claim Portal. Alternatively you can reach out to us by email at travel.claims@nextcarehealth.com
How am I ever going to remember all these different contact numbers?
We have made this easy for you. All the relevant contact numbers are summarised on the first page of your policy document. These can also be found by clicking the 'Contacts' tab on the website.