Travel Insurance for Medical Emergencies

Protection for Unforeseen Illness or Injury Abroad

Medical emergencies can happen anytime, anywhere. Whether you suffer an accident in Europe, fall ill in Asia, or require urgent dental care on a business trip, Allianz Travel Insurance for Medical Emergencies offers reliable, worldwide protection to travellers.

Our emergency medical cover ensures that you're not left stranded when you need help most. From hospital admission and emergency evacuations to bringing loved ones to your bedside, our policies are built for real-world care with real-world benefits.

Terms and conditions apply.

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Benefits of Travel Medical Emergency Insurance

Traveling can be unpredictable. That’s why having Allianz Travel Insurance ensures you’re protected against the unexpected, no matter where in the world you are.

Emergency Medical & Dental Treatment Abroad

We will reimburse reasonable and customary medical or dental expenses if:

You suffer a sudden, unexpected illness or injury while abroad (including pandemic diseases like COVID-19).
You require urgent dental care, such as a dental injury, infection, lost filling, or broken teeth.
You are hospitalised as an inpatient, and we arrange payments up to your policy limit.

Important: This is secondary cover—claims should first go through any existing health insurance. If you’re not covered in the destination, submit your claim directly to us.

What is Not Covered?

While our travel medical emergency insurance offers extensive protection, there are certain situations and treatments that fall outside the scope of cover:

Non-emergency or routine medical care (e.g. general check-ups, vaccinations, long-term treatment)
Medical attention received in South Africa
Pre-existing medical conditions (unless specifically included in your policy)
Cosmetic or elective procedures not medically necessary
Eyewear, hearing aids, dentures, and damage or loss related to them
Rehabilitation or palliative care, unless required to stabilise a critical condition
Allergy treatments, unless the reaction is life-threatening
Experimental or unproven treatments

Always review your policy document for full terms, exclusions, and conditions before travelling.

Medical Evacuation

We’ll coordinate and pay for emergency transport to the nearest appropriate hospital if local facilities are inadequate. This includes:

Ground or air ambulance services
Ongoing support and decisions made by our global medical assistance team
Provision of a medical escort when required

All transportation must be authorised and arranged by Allianz for full cover to apply.

Medical Repatriation

Once you're stable enough to travel, we’ll arrange and pay for your return to:

Your home address
A hospital in South Africa for further care
A location of your choice within South Africa, if medically appropriate

Transport may include a medical escort and/or special seating arrangements, if medically necessary.

Transport to Bedside

If you're hospitalised for more than 72 hours or your condition is life-threatening, we will arrange and pay for one close relative or friend to travel to your bedside and cover round-trip airfare in economy class.

Return of Dependents

If you're hospitalised for more than 24 hours or pass away while travelling, we will arrange and pay for the safe return of minor children or dependents, and also cover travel for a responsible adult to accompany them, if necessary.

Repatriation of Remains

In the unfortunate event of death abroad, we will arrange and pay for the transport of your remains to a funeral home in South Africa, or reimburse the costs of a local burial or cremation (up to the repatriation cost).

Search and Rescue

If you're reported missing or trapped in a physical emergency, we will pay for professional search and rescue operations up to the policy’s maximum benefit limit.

How to Make a Claim?

Making a claim with Allianz Travel is simple and hassle-free. Follow these steps to get started:

Notify Us As Soon As Possible : Once you’ve contacted emergency care, call our 24/7 Emergency Assistance Team so we can guide you and, where necessary, arrange transportation or hospital payments.

Gather Your Documents: Keep copies of medical reports, receipts, and any correspondence related to your treatment or emergency.

Submit Your Claim Online: Visit our website to complete the claims form and upload your supporting documents.

Tip: If you have other health insurance, submit your claim there first. Allianz Travel provides secondary cover.

Why Travel Medical Emergency Insurance Is Essential

A medical emergency abroad can cost you more than just your health—it can lead to overwhelming bills, logistical nightmares, and stress for you and your loved ones.

Here’s why having cover matters:

Medical care abroad can be extremely expensive, especially in countries like the USA or parts of Europe.
Private hospitals may require upfront payment, even in emergencies.
Evacuation or repatriation costs can run into hundreds of thousands of rands.
Government support is limited—you’re often on your own when emergencies strike overseas.
Schengen Visa Ready
All our travel insurance policies meet and exceed Schengen visa requirements for emergency medical coverage.
We provide emergency medical expense limits exceeding EUR 30,000, ensuring full compliance for South Africans applying for a Schengen visa.
Ideal for travel to Europe where visa approval requires proof of adequate medical insurance.
With Allianz Travel’s medical emergency cover, you’re not just insured—you’re protected, supported, and guided every step of the way.
Peace of mind for you and your family, knowing you're covered in worst-case scenarios.

Schengen Visa Ready

All our travel insurance policies meet or exceed Schengen visa requirements for emergency medical coverage. We provide emergency medical expense limits exceeding EUR 30,000, ensuring full compliance for South Africans applying for a Schengen visa. This is ideal for travel to Europe where visa approval requires proof of adequate medical insurance.

With Allianz Travel’s medical emergency cover, you’re not just insured—you’re protected, supported, and guided every step of the way.

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Travel abroad with global travel insurance from Allianz Travel

	Travel Standard Global Travel Insurance From R 258 Get A Quote	Travel Premium Global Travel insurance From R 350 Get A quote

Benefits

Emergency Medical Expenses Provides cover if you are taken into hospital or you need to come home early or extend your journey due to illness or accident.	R 4,500,000	R 9,000,000

Emergency Medical Evacuation / Repatriation If deemed medically necessary we shall organise your evacuation to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.	Included Above	Included Above

Repatriation of Remains If deemed medically necessary we shall organise your evacuation to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.	Included Above	Included Above

Return of Dependents If you die or are told by the treating doctor you will be hospitalized for more than 24 hours during your trip, we will arrange and pay to transport your traveling companions who are under the age of 18	Included Above	Included Above

Emergency Family Travel / Visit of close relative On medical advice we shall pay for a close relative to stay with you, or travel to you from your home country in case you are hospitalized.	Included Above	Included Above

Dental In case of an emergency we shall cover you for dental treatment to relieve sudden pain.	R 1,500	R 5,000

Search and Rescue In case you are reported missing or need to be rescued from a physical emergency while on your trip.	R 15,000	R 15,000

Trip Cancellation Provides cover if you need to cancel before it begins because you, a travelling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.	R 55,000	R 90,000

Trip Curtailment Provides cover if you need to cut your journey short because you, a travelling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.	R 55,000	R 90,000

Delayed Departure Cover if your departure is delayed by more than 6 hours. Benefits apply after the first 12 hours delay and additional benefits apply after each extra delay of 12 hours. Your policy will specify the maximum payable. The circumstances covered are listed in the Policy Document. Alternatively, you may receive up to the amount specified in your policy, if you chose to abandon your journey or cancel your holiday after a 24 hour delay.	R 3,000	R 5,000

Baggage Loss Cover for purchasing essential items if your personal possessions are delayed for more than 12 hours on your outward journey.	R 25,000	R 30,000

Valuable (including laptops) Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, laptop, television, fax and phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.	R 7,000	R 9,000

Baggage Delay Provides cover if your personal possessions (this does not include valuables) are temporarily lost or stolen on your outward journey for more than 6 hours from when you arrived at your destination.	R 3,000	R 5,000

Personal Liability Cover for costs that you are legally liable for due to any of the following that you cause during your journey Bodily injury of another person: loss or damage of other peoples property.	R 4,500,000	R 9,000,000

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Still Have Questions ? Get in touch with us !

For travel claims, non-emergency, insurance sales & general inquiries contact:

Customer Service/Complaints

From 8am to 8pm (GST) Monday to Friday:

Telephone (From outside SA): +971 4 270 8705

Telephone (from SA): +27 11 214 7970

Email: [email protected]

Whatsapp: +971 56 2164563

Open or follow up on a claim

From 8am to 8pm (GST) Monday to Friday:

Online Claim (24/7): File a claim

Email: [email protected]

WhatsApp: +971 56 216 4563

24h Emergency Medical Assistance

For 24-hour Medical Emergency:

Telephone: +971 4 270 8705

Whatsapp: +971 56 216 4563

Email: [email protected]

Who We Are

The Travel Insurance Experts

When you are insured with AGCS SA, you have access to a global network of travel experts. Our travel insurance underwriters have a vast amount of experience and local knowledge about the destinations, cultures and risks of many different countries. This means that we can design a comprehensive cover for your specific needs while understanding the unique challenges faced by people traveling to more remote or exotic locations around the world.

Frequently Asked Questions

1. What medical emergencies are covered under Allianz Travel Insurance?

What medical emergencies are covered under Allianz Travel Insurance?

We cover unexpected illnesses or injuries requiring urgent care, emergency dental treatment, hospitalisation, and related transport or repatriation. Please check our policy wording for more details.

2. Is COVID-19 covered?

Is COVID-19 covered?

Yes. COVID-19-related treatment, evacuation, or repatriation is covered if you test positive and require emergency medical attention. Please check our Policy Wording for more details.

3. What’s not covered under emergency medical care?

What’s not covered under emergency medical care?

Routine check-ups, elective surgery, cosmetic procedures, long-term treatment, and experimental or non-essential care are excluded. Please check our Policy Wording document to review what's covered and what is not.

4. Can a family member visit me in the hospital abroad?

Can a family member visit me in the hospital abroad?

Yes, if you’re hospitalised for over 72 hours or are in a life-threatening condition, we’ll pay for a round-trip flight for a loved one. Please check our policy wording for more details.

5. Will Allianz arrange emergency evacuation if I’m in a remote location?

Will Allianz arrange emergency evacuation if I’m in a remote location?

Yes, our team will coordinate evacuation to the nearest suitable facility and pay for the transport, as long as we authorise it in advance. Please check our policy wording for more details.

6. What happens if I pass away overseas?

What happens if I pass away overseas?

We’ll handle and pay for the repatriation of your remains or reimburse local funeral costs (up to the repatriation cost). Please check our policy wording for more details.