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Comprehensive Plan, Basic Plan, Domestic Plan, Multi-Trip Plan83 questions from our users
Rosieasked
I have a cruise booked for next year and can get a discount if I pay the full cost now. Am I able to get cancellation insurance in advance of the travel?
1 answer
Allianz PartnersAllianz Travel Insurance
Hi Rosie, on Page 5 of our PDS (https://www.onlinetravelinsurance.com.au/file/pdf/Product%20Disclosure%20Statement.pdf), in regards to cancellation, it says Cover for Section 2.1 Cancellation only applies to those services scheduled to be used between the start and end dates shown on your Certificate of Insurance and begins from the date of issue shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. Meaning, if you purchase travel insurance before your trip, cancellation cover commences from the date when the travel insurance issued. Regards, Anthony.
Andrew Lasked
Im looking at the Multi Trip cover for my wife and I who will be named in the policy. We covered when we are travelling independent of each other?
2 answers
Allianz PartnersAllianz Travel Insurance
Hi Andrew, thanks for the question - I haven't been asked this question previously, and it's not explicitly stated in the PDS - if you could call our contact centre on 131000, they will be able to help you out. Cheers, Anthony.
If its not "explicitly stated in the pds" be careful. If you make a claim allianz will then make a decision about this and I guarantee it will be in their favour and not yours
Bryanasked
my wife & i both in our 60's are travelling to France for a month with a 7 day self drive canal boat holiday with another couple then a 15 day coach tour of France. Both companies are Licensed & we booked thru Australian Travel agents.
Question:
Are we totally covered for full comprehensive Travel Insurance( illness, hospital, luggage loss etc) with all our travel payments being fully paid with our ANZ Platinum Visa Card???
Thank you.
Bryan
1 answer
Allianz PartnersAllianz Travel Insurance
Hello Bryan - this is the Allianz Travel Insurance Business to Consumer (direct) travel insurance product. The travel insurance that underwrites your credit card is a different product - you will need to refer to your bank for clarification on this. Regards, Anthony.
Gloriousasked
Is my I phone covered as it fell into the ocean?
2 answers
Allianz PartnersAllianz Travel Insurance
Hi, I cannot comment on individual situations. If you go through the claims process at https://claimmanager.com.au/aga/agreement, or call 131000, you will be guided through this. Regards, Anthony.
You will be lucky to get anything for this. Allianz hate paying claims
Wendy Vasked
Do you do pre-existing illnesses insurance?
1 answer
Allianz PartnersAllianz Travel Insurance
Hi Wendy, thanks for the question. Yes we cover some pre existing conditions automatically, and some with an extra premium. You have to go through the booking process to see what's covered. Regards, Anthony.
Chelleidasked
Would like to know from those who have actually made a claim through this company and how it went exactly?
3 answers
My claim was recently settled without any fuss. I completed the paperwork carefully and the money was in my account within a week. At all times the employees at Allianz were friendly and helpful.
Susan
My claim was a nightmare. Allianz tried every excuse they could think of to deny the claim. Ended up going to the financial ombudsman. Got our money 21 weeks after the claim process started. Will never use allianz again for any insurance. Allianz deliberately went out of their way to make a very tough time for us so much tougher
Thank you. 50 50. What to do?
Brunoasked
What percentage of Travel Insurance Medical claims submitted to Allianz over the last 12 months have been rejected? This would be helpful in deciding whether to use their ins cover.
1 answer
Hi Bruno, Allianz will never divulge those figures because most claims are rejected. Most of the positive reviews here are from people who have purchased travel insurance and not actually made a claim. When you purchase travel insurance from Allianz you are sent a link to enter a draw to win a prize if you leave a review before you travel. The review is about your purchasing experience and has nothing to do with your claims experience. They do this to keep their rating higher on Google.
Flipperkoala101asked
Allianz Travel Insurance doesn't cover items stolen from the boot of the car if the incident took place outside daylight hours. However, Allianz doesn't explicitly explain how it considers daylight hours? In many jurisdictions, daylight doesn't end with sunset and rather the civil twilight is also included in daylight since there is no light required during civil twilight to carryout work. In many American states a burglary committed during civil twilight is also considered as daylight burglary.
Can someone please explain?
1 answer
I recommend anyone who has a problem getting a claim settled with allianz to use the financial ombudsman. This seems to be the only way to get a resolution. Allianz will make claiming as hard as they can!!! Allianz works on the idea that if they make it hard you will just give up and go away
Johnasked
I am travelling to Nepal for a trekking holiday in Nov 2018 and I have activated the Alliance Travel Insurance to cover this trip. I wish to confirm that the cover includes any emergency evacuation from the trek trail due to medical reasons for those named on the policy (which is only myself).
For example, if I am badly injured due to an accident on the trek and need emergency evacuation (maybe by helicopter or the like) back to a hospital in Pokhara or Kathmandu for specialist medical treatment.
This appears to be covered in the policy wording (see below) but I wish to confirm as I note some of the negative reviews on this site.
d] your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to Australia with appropriate medical supervision.
2 answers
Allianz PartnersAllianz Travel Insurance
Hi John, do you have travel insurance provided as part of a bank's credit card? This listing is for the Allianz Travel Insurance B2C brand. You will need to contact your bank in regards to this. Regards, Anthony.
John, if you are concerned about the negative reviews i recommend you use a reputable company - one that actually pays genuine claims. Allianz will only cause you grief if you try to make a claim
Neil Robinsasked
Why should I chose this cover? Lots of good reviews from people who have not had to make a claim - only poor reviews from those who have needed to actually use the service. Dont think Ill bother
5 answers
Neil, you are absolutely right. Dont bother. Allianz is the worst insurance company I have ever dealt with. They go out of their way to look for excuses not to pay claims. They write the PDS ambiguously so they can twist it to suit themselves. Anyone can say how easy it is to buy but I can assure you it is nearly impossible to get them to pay a claim without the Ombudsman having to get involved. Allianz insurance will never get another cent of my money
Today I bought a new car and told the salesman I will arrange my own CTP as theirs is with allianz. As I said above, allianz insurance will never get another cent of my money
Allianz ensure processes are easy to take your money to obtain an insurance policy. However be warned their processes relating to handling a claim do not match the same standard. As a health professional I would ask people to reconsider using Allianz if patient safety, care or medical need are of importance to you. Allianz is focused on minimising costs and nothing more. I truly hope those who feel false comfort in having travel insurance with Allianz never need to access help from overseas when injured or unwell.
Samasked
Vietnam Travel - hi i want to find out that your insurance cover medical when we are in vietnam and your processes deal directly with hospitals or we have to pay first and claim later from you guys?
1 answer
Allianz PartnersAllianz Travel Insurance
Hello, if you buy a policy for Vietnam, you will be covered for medical treatment as defined in the PDS - https://travel.allianz.com.au/File/Download?docType=PDS#_ga=2.260883981.1024024958.1517182548-1993947681.1490333896. If you are hospitalised, you or a member of your travelling party must contact us as soon as possible.If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000, you must also contact us as soon as possible. You can find out more here. https://www.allianz.com.au/travel-insurance/make-a-claim/ Regards, Anthony.
Frequent travellerasked
Is extra cover required for cruises or is this included in Plan D?
3 answers
Allianz PartnersAllianz Travel Insurance
Hi, yes a cruise pack can be purchased at an additional cost with our comprehensive travel insurance - more here - https://www.allianz.com.au/travel-insurance/comprehensive-travel-insurance/. Regards, Anthony.
Yes you will need to purchase the cruise pack with comprehensive cover but is still very cheap my policy for 1 adult and 2 children for a 10 day cruise was only $79
Does this mean that we now need to purchase extra cover for the cruise component of our trip? We have already purchased an Allianz multi trip policy (Plan D)?
SCCasked
Hi,
We bought travel insurance on 23/11/17 for our holiday to Bali & weren't told of an embargo.
Are we covered if our flights are cancelled?
If not are we entitled to a refund?
Thanks
1 answer
Allianz PartnersAllianz Travel Insurance
Hello, this depends on when you bought your policy - in this case, the ash cloud was a known event after 19 September. More here https://www.allianzworldwidepartners.com.au/travel-insurance/travel-alerts/information-threat-volcanic-eruption-bali/ Regards, Allianz Travel Insurance.
Sanasked
My mother in the Uk is currently sick and may pass away in the next few weeks I have a holiday booked and am insured or so I thought but was told today that as my mother lives overseas I am not covered if I have to cancel my holiday to go back for her funeral. Is this true of all insurance companies?
1 answer
Allianz PartnersAllianz Travel Insurance
Hello, thanks for your question. Each travel insurance company has their own terms and conditions and you would need to read the Product Disclosure Statements to see what is covered. Regards, Anthony.
debbasked
Does this insurance company cover the ash cloud (flight delays) in Bali?
Jay Dasked
My travel agent has suggested we use Allianz Travel insurance (sold through another company).
We are flying to Thailand in October. Going from Brisbane to Sydney then Thailand from there.
The travel agent has suggest Basic International Insurance.
I noticed in your PDS it mentions we may not be covered on the Brisbane to Sydney leg of the journey if using Basic International Travel Insurance. Do we need to add a domestic insurance to the policy to cover us for the Brisbane to Sydney journey; just in case our airline sends our bags to another destination and we arrive 12 hours later with no luggage.
Your soonest reply would be appreciated, so we can advise the travel agent. Thanks.
1 answer
We purchased our allianz policy through our travel agent and they no longer use allianz so that should tell you something. Please read the one star reviews from people who have made claims before you decide if you will purchase a policy from allianz. Not recommended!!
Gazasked
Hi - I need travel insurance for myself (60 & no pre-existing medical conditions) & my mum (87 & with some non-life threatening pre-existing medical conditions which I am not expecting to be covered) for a week's trip to Thailand for a destination wedding. What is your advice?
Dawnasked
I want travel for trips to Cairns Australia, Singapore and Tasmania. Do you cover travel like this?
2 answers
Allianz PartnersAllianz Travel Insurance
Hi, we do provide travel insurance for domestic and international trips. More here: https://www.allianz.com.au/travel-insurance/domestic-travel-insurance/ and https://www.allianz.com.au/travel-insurance/compare-cover-options/. Regards, Anthony.
Allianz will cover anything. When you try to claim you will see their true colours as an insurance company and its not good
Sassyasked
I am pregnant and considering taking our allianz insurance - i want to know if i will still be covered whilst travelling through Mauritius and South Africa, I will be 6 months pregnant at the time of travel?
2 answers
Allianz PartnersAllianz Travel Insurance
Hi Sassy, thanks for the query. We do have some information here https://www.allianz.com.au/travel-insurance/pregnancy/. On page 29 of our PDS, there is a list of conditions which we may cover, including 'a single uncomplicated pregnancy, up to and including 23 weeks, not arising from services or treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF). If you have questions, please called 131000 and our team will be able to help you out.
I wouldnt use allianz. They will probably call it a pre existing condition to avoid paying if you make a claim. Thats how allianz works. They will look for any excuse possible not to pay a claim
Tina dumoasked
Have booked 9 day cruise for my husband (73 years) myself 74 years and grandson 16 with BankWest platinum. Are we covered?
2 answers
Allianz PartnersAllianz Travel Insurance
Hi, the insurance on your credit card is different to the stand alone Allianz Travel Insurance policies that we offer. You would have to check with Bankwest directly to check this. Regards, Anthony.
Please dont use allianz for any insurance. They take your money very quickly but will find any excuse not to pay out if you dare to make a claim. There are more reputable companies out there. Read the reviews by people who have made claims with this company and you will see what i mean. Anyone can give 4 or 5 stars for just buying the policy but the ones who have claimed give allianz only 1 star. There are so many great reviews in the last 10 days it really makes you wonder if the staff write them
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