Policy Document

We offer a 14-day review period for your Allianz travel insurance policy. If you're not completely satisfied within this period, you can cancel your policy for a full refund, provided your trip hasn't started and no claims have been made.

Key points to consider:

• Standard Policies: Notify us before your departure date and within 14 days of purchase if the coverage doesn't meet your needs. Refunds are not available if travel has commenced or a claim has been initiated.
• Visa Denial: If your visa application is denied or rejected and therefore you're unable to travel, send the rejection letter at your earliest convenience, and we will cancel your policy and issue a refund.
  

For assistance, contact us via:

• Telephone: +971 4 270 8705
• WhatsApp: +971 56 216 4563
• Email: [email protected]
  

No, Allianz travel insurance coverage is available only to residents of South Africa. If you are not a South African resident, your insurance and claims will not be eligible.

No, Allianz travel insurance can be purchased directly online, independently of your travel arrangements. You are free to book your travel through any provider.

Yes, Allianz Travel offers annual multi-trip policy in addition to single trip policies. The annual multi-trip policy provides coverage for unlimited number of trips throughout the policy year, as long as no single trip exceeds 90 days in duration.

Yes, Allianz travel insurance policies are available to individuals up to 85 years of age. We cover a wide age range, ensuring comprehensive coverage for travellers of various ages.

Coverage begins and ends according to the dates you select during your quotation process, which will be confirmed on your Certificate of Insurance once the policy is purchased.

Single Trip Insurance: Coverage ends on the date you arrive back home or the date shown on your Certificate of Insurance, whichever is earlier.

Annual Multi-Trip Policies: Your policy ends on the coverage end date listed in your Certificate of Insurance.

Single Trip Policy: You can purchase coverage for trips up to 90 days.

• Annual Multi-Trip Policy: This policy covers you for unlimited number of trips in a year, but no individual trip within this period can exceed 90 days in duration.

No, if you purchase a 90-day single trip policy and return home after 60 days, the policy is terminated, and you do not receive a refund. You will need to purchase a new policy for your next trip.

Annual multi-trip policies offer flexibility for travel throughout the year, offering unlimited number of trips with no individual trip exceeding 90 days.

Yes, there are exclusions and conditions specific to individual sections, as well as general exclusions and conditions that apply to the policy overall. Additionally, there is a health declaration with health exclusions that must be met for coverage to be effective.

Please read the policy wording carefully to ensure you have the coverage you need.

No, the policy does not cover claims related directly or indirectly to any existing medical conditions if, at the time of taking out the insurance or booking your journey (whichever is later), you or anyone to be insured has:

• Been prescribed regular medication
• Received treatment or had a consultation with a doctor or hospital specialist for any medical conditions in the past 6 months
• Been referred to, treated by, or are currently under the care of a doctor or hospital specialist
• Been diagnosed with a terminal illness

Please click here to read the Health Declaration for more information.

Allianz Travel insurance covers many adventure activities. To be covered for skiing and other adventurous sports, you need to add the 'Sports Cover' option when purchasing your policy. Please refer to the definition of 'Sports Coverage' within the policy document to understand which activities are covered.

If you have any doubts, feel free to send us an email or whatsapp for clarification.

If your baggage is lost, damaged, or stolen during your trip, we will cover it. However, cash is strictly excluded from this coverage. Please refer to the 'Baggage Coverage' section in the policy document for detailed information on what is and isn't covered.

Allianz Travel insurance is entirely online, so we do not send policy documents by post. When you purchase a policy, we will instantly email you a confirmation of the coverage along with the policy documents for you to download, print, and save.

You can also download the policy document from our website to view the terms and conditions of the coverage.

No, you must purchase your Allianz Travel insurance policy before your travel date and before you have left for your journey. Insurance coverage cannot be initiated once you have already begun your travels. It's important to secure your policy in advance to ensure you are covered from the start of your trip.

If you have any questions or need assistance regarding your Allianz Travel insurance, you can reach out to our customer service team through the following channels:

• Phone: Call our customer service line at +9714 270 8705 for direct assistance.
• WhatsApp: You can also Whatsapp us via +971 56 216 4563 for messaging support.
• Email: Send your inquiries to [email protected] for detailed information or assistance.

Our team is ready to help you with any queries you may have about your policy or coverage.

Yes, you can still make a claim even if you don't have receipts for all your personal possessions. However, when submitting a personal possessions claim, you will be asked to provide proof of ownership for the lost or stolen items. While we understand that you may not have receipts for every item, you should be able to provide some evidence of ownership.

Typically, insurers may accept various forms of proof, such as:

• Photographic evidence
• Warranty cards
• Manuals
• Receipts
• Bank or credit card statements

These documents can serve as proof of ownership. Ultimately, common sense prevails, and you should consider whether the documents you provide conclusively demonstrate that you owned the item in question.

In the event of a medical emergency, our dedicated medical emergency team is available 24 hours a day to assist you. You can reach them through the following channels:

• Phone: Call our customer service line at +9714 270 8705 for immediate assistance.
• WhatsApp: You can also Whatsapp us via +971 56 216 4563 for messaging support.
• Email: Send an email to [email protected] for detailed information or assistance.

Our team is ready to provide the necessary assistance and support during medical emergencies.

To make a claim, you have several options:

1. Online Claim Portal: You can open a claim through our Online Claim Portal. Simply access the portal, select the appropriate type of claim (e.g., trip cancellation, medical), and follow the steps to enter the requested information and upload the necessary documentation. Once completed and submitted, you will receive a confirmation email from us. Our Travel team will then contact you to continue the process.

2. Phone: Call us at +971 4 270 8705 for assistance with your claim.

3. Email: Send your claim details to [email protected] for support.

After your claim has been submitted, we aim to update you on the status of your claim every 48 hours.

We've made it easy for you! All relevant contact numbers are summarised on the first page of your policy document. You can also find them by clicking the ' Contact Us' tab on our website.