Annual Multi-Trip Travel Insurance for South Africans

Allianz Annual Multi-Trip Travel Insurance covers a wide range of travel risks, depending on whether you choose the Standard or Premium plan. Benefits include emergency medical expenses, emergency medical evacuation and repatriation, trip cancellation, trip curtailment, delayed departure, baggage loss, baggage delay, valuables, dental emergencies, search and rescue, and personal liability. The Standard and Premium plans have different cover limits, so it is important to compare them before buying. All benefits are subjected to policy terms and conditions.

Yes. Allianz annual multi-trip travel insurance provides worldwide coverage, meaning you are protected wherever your trips take you - whether within the GCC, across Europe, throughout Asia, or to the Americas. The geographical coverage is the same for each trip within the policy year. Always confirm your specific destination is covered under your chosen plan when purchasing.

Yes. All Allianz outbound travel insurance products - including the annual multi-trip plans - are Schengen-compliant, meaning they meet the mandatory EU requirements for Schengen visa applications. This includes the minimum €30,000 emergency medical coverage requirement. An official insurance certificate is issued with your policy and can be submitted with your Schengen visa application. Note: The Schengen-specific policy provides a dedicated certificate - if you need one for a visa application, confirm with the relevant embassy that your annual policy certificate is accepted.

Yes. Allianz offers family annual travel insurance plans that cover you, your spouse or partner, and your dependent children under a single policy. A family annual multi-trip plan is significantly more cost-effective than purchasing individual annual policies for each family member. Family set prices include 2 adults with unlimited number of children therefore it is by far the most economical solution. When adding 3 or more travellers, simply select ‘ are you a family’ toggle and unlock family-friendly prices.

The main difference between Standard and Premium is the level of cover. Premium offers higher limits across several benefits, including emergency medical expenses, trip cancellation, trip curtailment, delayed departure, baggage loss, valuables, baggage delay, dental emergencies, and personal liability.

Premium also gives greater flexibility, making it the better choice if you don't know where you'll be travelling during the year. If your trips may include expensive destinations like the UAE, USA, or Switzerland, Premium offers more coverage and greater peace of mind with its higher benefit limits. For example, emergency medical expenses are covered up to R9,000,000 on Travel Premium compared to R4,500,000 on Standard, and trip cancellation and curtailment are covered up to R90,000 versus R55,000.

Standard is a good option for travellers who have a clear idea of their travel plans, are visiting more affordable destinations, and are comfortable with lower benefit limits. It provides solid essential cover at a more budget-friendly price point, making it well suited for those who want reliable protection without the higher premium.

Yes - for anyone taking three or more trips per year, annual multi-trip travel insurance is almost always more cost-effective than buying separate single-trip policies. The Allianz Standard annual plan starts from R 11,431 per year. If you would otherwise buy three individual policies, you are already breaking even at two trips - and gaining the added benefit of no-admin, spontaneous travel coverage for the rest of the year.

No. One of the biggest advantages of annual multi-trip travel insurance is that you do not need to specify travel dates or destinations at the time of purchase. Your policy is valid from its start date and covers any eligible trip you take within the 12-month period. This makes it ideal for spontaneous travellers, business professionals with unpredictable schedules, and anyone whose travel plans change frequently.

No. Travel insurance is designed for short trips and is not a replacement for international health insurance. If you plan to travel for more than 3 months in a row abroad, you may need to consider an international health insurance policy instead. Annual Multi-Trip policies are no exception to this rule.

Here's what you should consider:

1. Trip duration limit — Check the maximum duration allowed per trip under your Annual Multi-Trip Insurance policy. At Allianz, the maximum trip duration is 90 days per journey. If a single trip exceeds this limit, it will not fall within the annual policy's trip-length allowance.

2. No extension option — Once a trip has started, you will not be able to extend your travel insurance. That is why it is important to know the purpose and duration of your travel before purchasing your policy.

3. Policy terms — Review the terms and conditions of your specific insurance policy to understand how the insurer handles situations where a trip exceeds the maximum duration specified in the policy.

Before buying your policy, check your planned travel dates carefully. If your travel plans may exceed 90 days, contact Allianz before purchasing so you can confirm whether the product is suitable for your needs. Allianz clarifies the limits of its travel insurance in its policy documents, ensuring you're well-informed.

If you need to cancel your trip before it begins, or cut your journey short after departure, Allianz Annual Multi-Trip Travel Insurance may cover eligible costs where refunds are not available, subject to the policy terms and the reason for cancellation or curtailment. Cancellation and curtailment cover may apply if you, a travelling companion, someone you are staying with, or a relative is ill, seriously injured, has had an accident, or has died. You should review the policy wording to understand the full list of covered reasons, limits, and exclusions.

To make a claim on your Allianz annual travel insurance:

1. In case of a medical emergency, please contact our 24/7 emergency line immediately for medical emergencies: +971 4 270 8705, or alternatively send us an email on assistance@nextcarehealth.com
2. For all other non-emergency reimbursement claims, you can file your claim through our online platform:   https://travelclaims.tatsh.cloud/
3. Alternatively, you can also contact us via telephone on +971 4 270 8705, or send us an email on travel.claims@nextcarehealth.com.  We’re available from 8 AM to 8 PM, Monday to Friday.
4. A dedicated claims assessor will review your case and contact you for any additional information. Approved claims are reimbursed per the policy terms.

File your claim as soon as possible after the incident - the sooner you submit, the faster the resolution.