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Allianz Travel Insurance review: Is it a good option for your next trip?

With plenty of options to choose from, allianz likely has the right coverage for your trip..

Travel insurance can offer peace of mind — and financial protection — when you travel. Whether you want minimal coverage for emergencies or are looking for a more comprehensive plan, Allianz Travel Insurance probably has an option that will work for your situation.

CNBC Select breaks down the types of coverage Allianz includes in its policies, the features it offers and other providers you should consider.

Allianz Travel Insurance review

Other insurance offered, how it compares, bottom line, allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz Travel Insurance is a global insurance provider. It partners with airlines, travel agencies, resorts, credit card issuers and other companies to offer worldwide travel coverage. The insurer currently offers 10 trip coverage plans, giving travelers plenty of options that range from single-trip plans to plans that cover all your travel for a year.

For example, OneTrip Prime provides trip cancellation/interruption, emergency transportation, baggage loss or delay and other key benefits for a single trip up to 180 days. AllTrips Executive, on the other hand, is a multi-trip plan designed for business travel with higher trip cancellation and interruption limits and coverage for business equipment. You can also opt for OneTrip Rental Car Protector if you need primary car rental coverage against collision, loss and damage.

These plans let you easily tailor your insurance to your situation. Here are the types of coverage that Allianz Travel can include in your plan:

• Trip cancellation
• Trip interruption
• Emergency medical (this covers medical and dental emergencies that happen during your trip)
• Emergency medical transportation
• Baggage loss/damage
• Baggage delay
• Travel delay
• Travel accident
• SmartBenefits℠ (this includes automatic and no-receipts payments for trip delays and no-receipts claims for baggage delays)
• Change fees (this coverage can reimburse you for the fees the airline charges when you have to change the dates of your flight)
• Loyalty program redeposit fee coverage (with this coverage, you can get reimbursement for frequent flyer mile redeposit fees if your trip is canceled or interrupted)
• 24/7 hotline assistance
• Concierge services
• Rental car collision damage waiver
• Existing medical condition (this benefit waives the pre-existing medical condition coverage exclusion)

The types and limits of coverage benefits you can get vary by plan.

Many travel cards provide travel insurance benefits . To avoid duplicate coverage, go through your card's terms and conditions and see what your issuer already offers.

One of the features that helped Allianz Travel land a spot on our list of the best travel insurance is the Cancel Anytime benefit. Included with OneTrip Prime and OneTrip Premier plans, Cancel Anytime can reimburse 80% of your unused, pre-paid, non-refundable trip costs if you have to cancel your trip for just about any unexpected reason.

Additionally, the insurer offers 24/7 global assistance to refer you to a prescreened hospital during your trip.

Policyholders can also use the TravelSmart TM  app and check for flight status updates, the latest travel advisories and restrictions for their destination, local emergency services and hospitals and more. The app allows travelers to pull up their protection plan whenever they need and file a claim online.

As of writing, Allianz Travel doesn't advertise any discounts. That said, discounts aren't as common with this type of coverage, especially compared to home and auto insurance .

Allianz is a large global company offering a wide range of financial products and services. In the U.S., that includes travel insurance, life insurance and business insurance.

Allianz Travel can be a solid choice if you're looking to purchase travel insurance. However, it's always a wise idea to compare multiple options to ensure you're getting a good deal.

For instance, AXA Assistance USA travel insurance is also a good provider. You can pick from three plans with the most affordable one starting at just $16, according to the company's website. The most comprehensive option is the Platinum plan which comes with the option to cancel for any reason.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel Guard® Travel Insurance also offers a selection of plans, ranging from last-minute options to an annual travel plan. Or you can request a specialty plan, but you'll need to speak to a representative to do so.

Travel Guard® Travel Insurance

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

With 10 available plans to choose from, Allianz Travel makes it easy to get the right travel insurance coverage for your upcoming trip. Multi-trip plans are also available for those who frequently travel, including for business. Still, we recommend gathering several quotes and comparing plans before you purchase travel insurance. Just like with any financial product, it pays to shop around for this type of coverage.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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June 1, 2020

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When's the Best Time to Buy Travel Insurance?

The best time to buy travel insurance is immediately after you’ve completed your travel arrangements.

Let’s say you’re planning a Rhine river cruise to see the famous Christmas markets of Germany and France. You’ll need to book the cruise itself, any excursions you plan to take, your airfare and your hotel for two extra days in Zurich, post-cruise. Once you’ve gotten all those arrangements nailed down, you’ll know your total pre-paid trip costs—and that’s the perfect time to purchase travel insurance.

Why? You need to know your total costs to get an accurate quote, if you’re purchasing travel insurance with trip cancellation / trip interruption benefits. That way, your entire travel investment can be protected.

It’s smart to buy travel insurance immediately after booking for two reasons. One: You won’t forget! Far too many travelers postpone buying travel insurance and then realize, too late, that they forgot to buy it at all.

And two: The earlier you buy insurance, the bigger your coverage window. Trip cancellation benefits begin on your plan’s effective date, as long as we receive your premium before you cancel your trip or make a claim. (If you buy travel insurance online , the effective date is the day after we receive your order.) The earlier you purchase insurance, the sooner you’ll be protected.

So if you’ve already made all your travel arrangements, don’t delay! Get a quote for travel insurance right now.

The second best time to buy travel insurance is within 14 days of making your first trip payment.

The 14-day mark is significant when you’re buying travel insurance, because it’s the cutoff point for the existing medical condition benefit . Many of our plans include this benefit, which means that you, a traveling companion or family member can have an existing medical condition and still be eligible for all applicable benefits and assistance services. You must, however, meet certain requirements:

• You must purchase your plan within 14 days of making your first trip payment or first trip deposit.
• You must purchase trip cancellation coverage that covers the full cost of all your non-refundable trip arrangements.
• You must be a U.S. resident and medically able to travel on the day you purchase the plan.
• The total cost of your trip must not exceed the maximum cost specified by your plan.
• All other stated terms and conditions are met.

Wait—what if you haven’t figured out your entire trip cost within 14 days of making your first trip deposit? It’s okay! Just don’t delay. Go ahead and purchase travel insurance within that 14-day window, making sure you select a plan with the existing medical condition benefit. ( Those plans are listed here .) As soon as your travel arrangements are finalized, you can update your plan with your final trip costs, either online (under Manage Your Policy ) or by calling us .

The third best time to buy travel insurance is any time before you depart.

With all the stress and excitement of planning your trip, you completely forgot to insure it. Now it’s 10 p.m. the night before departure, and you’re wondering, “How late can I buy travel insurance? Is it even worth doing now?”

You know that old saying: “The best time to plant a tree was 20 years ago. The second best time is now.” It applies to travel insurance too. Even if you’re about to leave for your trip, it’s better to buy insurance late than not have it at all. Go ahead and get a quote to see your options for protecting your trip. While trip cancellation/interruption benefits may not be useful to you now, benefits such as baggage loss/damage, baggage delay, travel delay and emergency medical can give you crucial protection for your trip.

The worst time to buy travel insurance is after something bad has already happened.

You’re happily gallivanting around Portugal when you stumble in a vineyard and fracture your ankle. Uh-oh. If you’d purchased travel insurance with emergency medical benefits, you could have avoided paying the Portuguese hospital bills out of pocket. If you’d purchased travel insurance with trip interruption benefits, it could have reimbursed you for the unused portion of your trip, as well as for the cost of the plane ticket to return home early. But you didn’t. Is it too late to buy travel insurance now?

Unfortunately, it is. Travel insurance is designed to protect a traveler from certain unforeseeable events—not things that are easily foreseeable, or things that have already happened at the time you purchase your plan. That’s why it’s smart to buy insurance as early as possible in the booking process. If you’re taking more than one trip this year, you can make life easier by purchasing an AllTrips multi-trip plan. Find the best plan for your next trip!

Related Articles

• 5 Reasons Why Travel Insurance Is a Must
• 10 Ways Allianz Global Assistance Strives to Be the Best Travel Insurance Company
• What Factors Affect the Cost of Travel Insurance?

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Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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• Canadian Resident
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With a presence in 44 countries, Allianz Global Assistance has been helping Canadians safely explore the world for over 30 years.

Our goal is to make your travel insurance experience simple from end to end, so you can focus on enjoying your next adventure.

Our Promise to You : All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period.

Are you a Canadian resident travelling more than once a year? Our annual plan options might be a better fit for you. Select two or more trips to view our plan options.

Each traveller aged 65 and older is required to complete a medical screening to purchase a policy. To obtain a quote, please call us at 1-844-310-1578.

Please enter all required fields.

With a presence in 44 countries, Allianz Global Assistance helps millions of travellers annually to travel safely and explore the world.

Minimum age for travellers is 15 days old. Maximum age is 89 years old.

Why buy travel insurance from Allianz Global Assistance?

When unexpected problems arise, travel insurance may help make things right. A travel protection plan from Allianz Global Assistance may safeguard your trip investment, reimburse covered emergency medical costs, and give you 24-7 access to Assistance services, among other benefits.  

• If you have to cancel your trip for a covered reason , travel insurance may reimburse you for your prepaid, non-refundable trip costs. Without insurance, you may lose your vacation investment.
• If you experience a covered medical emergency abroad , travel insurance can help ensure you get the care you need and may reimburse you for covered medical costs. Without insurance, any medical expenses outside of Canada will be your responsibility.
• If you have a covered travel delay , travel insurance may reimburse you for necessary, eligible expenses like hotels and meals. Without insurance, delays may be expensive.
• If you face an unexpected crisis , travel insurance gives you access to 24/7 Assistance Worldwide. Without insurance, you’re on your own.

Available plan options

Travel insurance for canadians.

• Coverage for epidemic/pandemic diseases such as Covid-19
• Quick and simple medical screening for travellers age 65 or older via our contact centre
• No upper age limits
• Deductible option available on Emergency Medical plans 
• New Multi-trip length options

Travel insurance for visitors to Canada

• New sum insured coverage options
• Deductible option available on each plan
• Plans available up to age 89
• Coverage for inbound travellers such as tourists, new landed immigrants, international students, and temporary workers

Frequently Asked Questions

Travel insurance 101, file a claim.

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When the world calls, help your customers answer with confidence.

Looking for a travel insurance plan, get a quote at   allianztravelinsurance.com ..

Benefits to help travelers explore reassured.

Expert assistance means travelers are never alone. 

Industry-leading technology for the future of travel.

Travel safe. Travel simple. Allianz TravelSmart.

Our free Allianz TravelSmart TM app puts your customers’ travel protection plan at their fingertips, making it easy to check their coverage benefits, connect to our 24/7 assistance, or file a claim on the go.

What makes Allianz TravelSmart even smarter? We’ve loaded it with safety features to help customers explore more securely, including timely alerts about events that may impact their travels, a locator for nearby emergency assistance, medical translations, and more.

“I cannot even begin to tell you how wonderful my experience was with Allianz!! I had a terrible ski accident in France and every single Allianz person was unbelievably helpful. I now recommend Allianz to everyone I know and I will NEVER travel overseas without it. I am so very grateful for all the support I received.”

- Lindsay T., MN, 2021

“So often when you buy warranty or insurance it’s hard to actually get it to do what it’s supposed to do, but Allianz worked as it should. The cost for travel insurance is so negligible that it’s a no brainer to add to your trip.” 

- Kyle Y., GA, 2021

“When I filed my claim your company made the process very easy. And you did not try to avoid your contract responsibilities like many other insurance companies with whom I have had to work with. I have recommended you to all of my travel friends.” 

– Scott H., IL, 2021

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11 Best Travel Insurance Companies in June 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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When you travel, you would want to have a worry-free holiday. Allianz travel insurance will protect you and your family during your holidays, overseas or domestic.

Please note that our travel plan for one-way and two-way basis are define as below:

• One-way is a trip that departs from Malaysia to final destination abroad. • Two-way is a trip that departs from Malaysia and return back to Malaysia.

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Allianz travel insurance: your guide to hassle-free trips, travel insurance coverage for domestic and international trips.

An unforeseen event can dampen the spirit of travel, potentially ruining your carefully crafted travel plans. Fortunately,  Allianz Travel Insurance gets you covered covers you, catering to your domestic and overseas travel plans. With a comprehensive plan, the product is tailored to your needs, whether for a local excursion or an international expedition.

Allianz travel insurance extends its coverage to encompass conventional risks such as death and permanent disablement due to accidents, trip cancellation, travel or luggage delay, and emergency medical evacuation, providing comprehensive protection for you and your family. It is also extended to include coverage for COVID-19. The travel plan offers two distinct options: one-way travel from Malaysia to your final destination abroad, and two-way travel that ensures your journey from Malaysia and return is secured.

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

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Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

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Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

+ The 10% off Travel Insurance ‘GETAWAY’ discount is available from 09:00am AEST 23/05/2024 until 11:59pm AEST 07/06/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Travel Insurance

Travel Insurance Singapore

With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

50% off Travel Insurance Plan

Save 50% on the normal cost of single trip, annual multi trip, or family travel insurance from Allianz Travel. 

Refund within 14 days - Get your money back if you change your mind after purchasing of policy*

Travel Insurance with Selected Covid-19 Coverage*

• Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19*
• Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies  here

Travel Insurance Catered to Different Needs

• For Frequent Travellers:  Get covered for an unlimited number of trips (up to 90 days’ duration each trip). Discover our   Annual Plan Travel Insurance here  
• For One-off Trips:  Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway. Discover our   Single Trip Travel Insurance here  
• For Family:  Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults) .  Discover our  Family Travel Insurance here  

24/7 Assistance And Support - For Your Safety, Health And Security

• Our team will help organise emergency medical assistance around the clock.

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

^Terms & Conditions.

50% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'flash50'

1. is valid until 21 June 2024

2. ‘flash50’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the  Policy Wording  and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible", benefits highlights.

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Designed for essential travel and medical coverages only

From S$ 17.50

Well-balanced coverages for most type of travels

Inclusive of an extensive scope of travel protection

Core Benefits

• Selected COVID-19 Cover*
• Overseas medical expenses
• Trip Cancellation, Baggage delay and emergency transportation benefits
• Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
• Travel personal accident, rental car excess, and lost travel documents benefits
• Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

• Early Return (You have to end your trip early and need to recover transportation cost for return home.)
• Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
• Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. 

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.  

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage.  Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before 

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.    

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia   they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever.  she tested positive for covid-19., mr wang called  allianz travel’s 24/7 assistance about his wife.  they contacted the hospital &  organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

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Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

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Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

Help is just a phone call away

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YOUR ONLINE TRAVEL INSURANCE IN SOUTH AFRICA

Discover our travel insurance products and select the coverages that best suits your needs.,   travel schengen  .

Our Schengen Travel insurance is the perfect insurance to obtain your Schengen Visa. Buy it online starting from R 147** with AGCS SA and get the Schengen visa you need to visit Europe.

From R 147*

  travel global  .

Our travel insurance protects you and your family while you are travelling abroad. Compare our products now and select the level of coverages that best suits your needs.

From R 233**

  annual multi trip  .

Our annual multi-trip  products cover you for all of your trips below 92 days within a year. This is the best cost-effective travel insurance if you are a frequent traveller. Buy once and get covered for a full year.

From R 1887***

  sport covers  .

AT AGCS SA, we know travelling is about experiences and we want you to be covered when you are taking this extra risk that will make the difference. Our Sport cover accompanies you a step further !

From R 582****

  travelsmart app  .

Our TravelSmart app is the perfect travel companion. It provides assistance service while you are abroad. You can use it to locate assistance service such as hospitals or embassies or translate medical terms.

Free for all

* Schengen Travel - Price based on a 30 year old travelling up to 3 days within a Schengen Destination.

**Travel Standard - Price based on a 30 year old travelling up to 3 days within Worldwide excluding USA & Canada geographical zone.

***Travel Schengen Annual multi-trip  - Price based on a 30 year travelling to the Schengen space

****Travel Standard with Sport Cover - Price based on a 30 year old travelling up to 3 days within Worldwide excluding USA & Canada geographical zone

For more information about our optional products prices please refer to the products page.

Terms and conditions apply to all policies and pre-existing medical conditions are not covered  within any products.

5 Reasons Why You Need Travel Insurance That You May Not Have Thought Of

Travel insurance covers many more things which you may not be aware of, or even considered. Here are some of those things

Visa to Europe

Are you wishing to visit Europe and do not know how to apply for the visa. Luckily, we are here to help.

US Visa Requirements for a South African Citizen

If you are looking to visit the USA as a South African citizen, then all the visa related information you need to know can be found in this article.

Travel to Italy: A Guide for South Africans on Getting a Tourist Visa

Learn how to apply for a Schengen visa and discover the beauty of Italy. From essential documents to visa application centres, we've got you covered.

Tourist Visas for South Africans Visiting Ireland:

Get your Irish getaway started today. Learn about the validity of passports, arrival process, visa stamping, and important considerations for seamless travel!

Frequently Asked Questions

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:

• Click "Get A Quote"
• Choose the policy type (single trip or annual trip)
• Add any options you require (Winter sports, Hazardous activities, Terrorism cover)
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
• Click 'Submit'

How can I buy a policy?

How do i know that buying my policy online is secure, what if i change my mind about buying the policy.

If your cover does not meet your requirements, please notify us before the date of departure or maximum 30 days after the purchase date of your insurance as stated on the certificate of insurance. We will not refund any premium is you have already travelled or claimed

Schengen cover Premium refunds are only considered for single trip cover, when you are either unable to obtain the necessary visas or the policy does not meet your requirements. Please notify the issuing agent within 48 hours of receiving your policy schedule or start date of the policy whichever is the earlier and return all your documents to them for a refund of your premium.

Contact us by telephone: +971 4 270 8705 email at: [email protected]

Can I buy Allianz Travel insurance if I am not a resident of South Africa?

Does it matter who i book my travel arrangements through, does allianz travel offer an annual multi-trip policy, is there an age limit on the travel insurance policy, when does cover begin and end, what is the maximum trip length, if i return home early do i get a refund of my premium, are there any exclusions to the policy, 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):

• 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 a hospital specialist
• Been diagnosed as having a terminal illness

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

Am I covered for skiing or other adventure activities?

Am i covered for loss of cash, how do i get my insurance documents, can i purchase a policy if i have already started my journey, if i have any queries, who do i contact, can i still claim even if i don't have receipts for all my personal possessions, who do i contact in the event of a medical emergency, who do i contact to make a claim, how am i ever going to remember all these different contact numbers.

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.

How can we help?

Millions of people rely on us! With 1 intervention every 2 seconds, Allianz is the worldwide leader in travel Insurance and assistance services. Winter Sports, Hazardous Activities, Single trip or Annual cover: We are here for you 24/7.

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Booking types.

Individual – (Rate per person applies)

Family – 2 Adults and Children up to 6 below 18 years of age (Family must bear same surname rates)

Group – (Group discount applies from 10 members with same departure and return date)

NB - The cover provided is for the maximum of 92days

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In the case of a family or group, enter the age of the oldest member.

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I understand that my personal data will only be used for the following reasons and activities that I have expressly agreed to by indicating I agree that you may collect and use my personal data to provide me with the information below:

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If I change my mind about my marketing preferences above, including withdrawing my consent to any of these items, I can let you know by sending an email to [email protected] (Please note it may take 5 working days to upload your request).

I understand that I can learn more about how you protect my personal data and also my rights on your privacy policy page.

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Travel Insurance Products

Allianz travel insurance products have been designed to respond to your needs as a traveler– Frequent travelers, Sport- addicts, international travelers, … Our travel insurance products offer different levels of protection to match the variety of travellers. 

Either you’re travelling with your family or on your own, our travel insurance products provide effective cover within your budget. Protect your family holiday, business trip or short weekend away against life’s unexpected events. Our traveler’s insurance provides you with protection in case of accident, illness, injury, sickness, trip cancellation, curtailment, loss or damage to your baggage, delays and much much more. 

Above the protection, our travel insurance products give you peace of mind. Allianz Travel has got you covered with one of the following options.

At Allianz Travel, we believe buying insurance should be easy. That’s why in a few clicks, you can get a quote, purchase your travel insurance online.  We will then send you all the details of your policy by email including a certificate of insurance you can then use in your visa application if needed.

All our products include COVID-19 covers but we encourage you to read the Policy wording before purchasing any travel insurance products.

On this page you can browse the different travel insurance plans we offer. We wish you safe travels !

Online Travel Insurance

This is my 3rd consecutive time, i am purchasing your annual travel insurance . last year, i had issues with my travel in australia and allianz were very fast in paying my claims . i have never seen such an excellent service anywhere else. superfast responses and payment, well done , the right travellers insurance for you , schengen travel.

If you are travelling to the Schengen Zone, then this travellers insurance enables you to obtain your Visa, in addition to offering emergency medical cover, whilst you are travelling.

From 56 AED*

Global travel insurance.

Perfect for individuals or families travelling worldwide for a single trip. Protect you or your family as well as your holiday with our great value Single Trip Travel Insurance product.

From 76 AED**

Planning on going away more than once this year, then an Annual Trip travellers insurance offers you great value cover for all of your trips below 90 days

From 664 AED****

Our other travel insurance products.

Travel Insurance to UAE

Sport Cover

* Schengen Travel-price based on a 30 year old travelling up to 5 days within a Schengen Destination with no pre-existing medical conditions.

**Travel Standard -Price based on a 30 year old travelling up to 5 days within Worldwide excluding USA & Canada geographical zone.

***Travel UAE-Inbound - price based on a 30 year old travelling up to 5 days to the United Arab Emirates

**** Standard Annual Multi-trip  - price based on an Adult (19-65) purchasing an annual multi-trip insurance. 

***** Travel Insurance to UAE - price based on a 30 year old travelling up to 5 days within Worldwide excluding USA & Canada geographical zon and getting a Sport cover

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All transactions, whether they are financial or of any other nature, must be conducted exclusively through our branch offices, our online portals www.bajajallianz.com , our insurance agents or POSPs, or via insurance intermediaries registered with IRDAI who are engaged in solicitation. If you require additional clarification, please write to us at [email protected]

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What is Travel Insurance?

Travel Insurance offers coverage against various types of emergencies like medical expenses. The medical expenses involve medical evaluation and repatriation, detaining checked-in baggage or absolute loss of checked-in baggage, forgotten connections, financial emergency assistance, and so on. 

A travel insurance policy is an important piece of documentation that is beneficial when you travel abroad. We must buy a travel insurance policy in advance to cover the dates you’ve travelled on. Not only this, but travel insurance also provides you with the freedom to enjoy your trip without any interruptions. 

So, always make sure that you have the right travel insurance policy that covers all your needs and can be bought online. Buying travel insurance online would help you to stay secure in case of a mishap. Bajaj Allianz offers travel insurance plans for adventurous travellers and senior citizens. Travel insurance can be availed for multiple or single trips, depending on your needs and budget. 

The multi-trip travel insurance plan is handy for the frequent travellers and it insures all the multiple trips within the specified duration. The cost and coverage of travel insurance depending on the nature of the trip. 

Always remember that a travel insurance policy is an investment because it’s something that you’re doing for yourself and your loved ones to keep them safe. Now, you can select a travel insurance policy online sitting at the comfort of your home. We’re just a click away waiting for you with the best travel insurance plans in India. 

Why Do You Need Travel Insurance?

You need a travel insurance policy for various reasons like -

✓   Overseas medical emergencies

✓   Delayed flights

✓   Country/Visa Requirements

✓   Loss/Delay of Luggage

✓   Cover for Natural Calamities or Human-made Disasters

✓   Missed Flights/ Trip Cancellation

✓   Study interruptions

✓   Flight hijack

Do You Need A Travel Insurance Policy?  : If that’s the question you’re battling with, read on to check the answer to this question! Medical expenses usually cost 3 to 5 times more in foreign countries. Around 25 million baggage are mislaid by airlines every year. Travel scams are very common in tourist-heavy countries. 

So, it’s important not only to purchase a travel insurance plan but also to choose the right one. If you buy a travel insurance plan online, you’re safeguarding your trip against all the financial losses. Leave aside the financial backup and roaming around abroad without any adequate insurance coverage, as this can prove fatal at the times of an unfortunate event. 

A lost passport or a missed flight are very scary situations for the tourists. One can feel lost even without an insurance cover in a variety of situations, so always keep a backup with travel insurance policy. 

Features of Travel Insurance in India

Now that you understand the importance of buying travel insurance, it is important to understand its potential to provide coverage. Hence, listed below are the essential features of getting to understand how travel insurance in India can help you enjoy your holiday. 

Coverage for Flight Related Issues:

 Even though an aeroplane is considered one of the safest ways to travel, accidents do not knock before coming. Flight-related issues include the delayed travel or hijack situation, the insurance plan will cover you for the expenses occurring during the course of adversity. 

Cashless Treatment:

Although we do not wish to visit a hospital during a holiday, actually having to go there can also be financially draining. However, you can get covered under the travel insurance plans and benefit from the cashless facility. You can avail this service at the hospitals, which are empanelled under the insurance provider. 

Trip-Related Adversities: 

A lot of reasons can force you to cancel your trip, stay back, and attend to more important matters. Buying a travel insurance plan can protect from losing money. This includes non-refundable flight tickets, hotel bookings, etc. 

A Plan for Every Age

People belonging to different age groups have varied preferences regarding a trip. Where the aged individuals require more travel assistance and they are also vulnerable to theft and other similar incidents. The good thing is that you can buy travel insurance policy specific to your age group with apt benefits and coverage. 

Emergency Cash Advance: 

Your travel insurance policy includes cash advances in emergency situations. Getting stuck abroad due to hospitalisation, loss of credit card/cash and traveller's cheques can be troublesome. With an insurance policy, you can receive a cash advance after a specified time. 

Coverage for Baggage/Passport Loss

Nothing can be more dreading and dangerous than losing your baggage or passport while on a trip. Travel insurance policy opted by you might not recover your passport or baggage, but you will get covered for the loss of cash or kind. Plus, it will cover the expenses incurred to get a new passport. 

Emergency Evacuation Plans for Frequent Flyers: 

Some insurance providers proffer year-long coverage plans for frequent flyers. To avoid spending recurring insurance policy costs, frequent flyers will receive the benefits for a year or multiple trips. 

Secures You Against Home Burglary

Burglars are often on the lookout to pick houses which are vacant when the family is gone on a trip, but you should not let it hamper your travel plans. Home burglary coverage ensures that you get compensated in case of home theft in your absence.  

One Cover for the Entire Family

 It is simpler and cost-effective. to get one insurance plan for the entire family instead of buying different plans for different age groups.

Automatic Claim Settlement With Trip Delay Delight

You won’t have to submit a claim to get the insurance benefits. For incidents like trip-delay or flight cancellation, the covered amount will be automatically settled. .

Why Choose Bajaj Allianz Travel Insurance?

Types of travel insurance in india.

Good and user-oriented travel insurance plans will make your trip a great vacation. It secures you at various steps, which is the financial coverage as the top priority. 

Do not rush while selecting the best travel insurance policy for your family and yourself. For hassle-free and safe travel, choose wisely and save your money without selecting the first option you see. 

A Travel Insurance is a cushion which takes the blow for the fall, makes your trip more fun and memorable. 

Individual Travel Insurance

Going on a solo trip? Or travelling to meet your family abroad? When you are travelling alone, you need extra protection and access to instant help, especially in case of a hospitalisation or other emergency situations. 

Benefits under Individual Travel Insurance Plan : All covers in the maximum plans are the same, or somewhat similar to the other, but vary with terms and conditions. It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and many more. 

Family Travel Insurance

A Travel Insurance plan specially planned for the families who travel together. The insurance plan covers the immediate family of the policyholder under the family travel insurance plan. The policyholder, his/her spouse and children. 

Coverage under Family Travel Insurance Plan: The insured family members of the policy holder are covered for medical expenses, loss of baggage, personal liabilities, loss of passport, delay in the baggage and many more. 

Senior Citizen Travel Insurance

Just like the health insurance plan is tailored to the age factor, the travel insurance for senior citizens   is also best for individuals above the age of 70. The elderly people prefer to travel after retirement and often travel alone as well or just in couples. This type of plan protects them from uncertainties.

Covers under Senior Citizen Travel Insurance Plan: The benefits for a senior citizen travel insurance plans include the unpredictable financial crisis on travel like repatriation of mortal loss, medical bills, loss or delay of check-in baggage, Emergency medical evacuation and more based on the insurance firm. 

Corporate Travel Insurance

The Corporate travel insurance plans serve best to the businessmen travelling frequently for corporate works. The beneficiaries under this plan can enjoy a year-long of benefits and policy coverage, allowing travel in and out of the country with a peace of mind.

Covers under Corporate Travel Insurance Plan: The coverage under the Corporate travel insurance plans is basic medical expenses, flight delay, baggage loss, missing connecting flights, etc. 

Student Travel Insurance

This plan is specifically tailored to be student-friendly. It has a special feature of the extension of the validity up to specific time, mainly 2 years.

Covers under Student Travel Insurance  Plan : It covers the basic overseas travel insurance covers and provides some add ons as well. The covers like bail bond, medical evacuation, study interruption, sponsor protection and some more.

Group Travel Insurance

The travel insurance policy customised for the people travelling in groups. This type of travel insurance is mostly organised by the tour organisers. Tours for historic destinations, museums, industrial training are placed under Group Travel.

Covers under Group Travel Insurance Plan: The Group Travel Insurance covers the group going from India or within the domestic borders of India. It covers personal accidents and baggage coverage but it depends upon the limit per person of the group. 

Domestic Travel Insurance

When travelling within the geographical borders of India, domestic travel insurance  is a beneficial companion. It protects you from several types of situations and emergencies (financial and otherwise).

Covers under Domestic Travel Insurance : Benefits include medical coverage, personal accidents, and loss of baggage are also a part of this Insurance.

International Travel Insurance

Covering a much wider range, the international travel insurance plans cover overseas travel, trip, holiday, family visitation, study, business meetings, and much more.  It further depends upon the plans offered by the insurance company.

Covers under international travel insurance Plan : It covers several factors - medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc.

Schengen Travel Insurance

For the people travelling to a Schengen country, a special insurance policy is required, i.e. the Schengen travel insurance  policy. They secure you from any type of financial losses

Covers under Schengen Travel Insurance Plan : The medical coverage, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, accidental death and dismemberment, personal accident cover and personal liabilities. These are the most common covers under the plan of Schengen Travel Insurance.

Single Trip Travel Insurance

The single trip travel insurance plan is beneficial for those who travel abroad once in a while. This plan allows the insurance coverage from the start of the journey until the policyholder and the accompanying beneficiaries are back inside the country’s borders.

Covers under Single Trip Travel Insurance Plan: If travelling internationally, the international travel insurance plan is opted along with the host cover for the other factors like medical emergencies, baggage loss or delay on check-in baggage, non-medical covers, etc. 

Multi-Trip Travel Insurance

The Multi-Trip Travel Insurance plan is customised for those travellers who travel often or more than once in a year. It stands to cover round trip journeys for a specified time period, which is usually one year.

This plan of the multi-trip travel insurance is preferred by the businessmen and corporate sectors as it helps to save an ample amount of money by opting this policy for your travelling trips.

Covers under Multi-Trip Travel Insurance Plan: The covers for the multi-trip travel insurance are like the other international travel insurance covers. The medical emergencies and non-medical ones like loss of passport, personal liabilities, emergency medical evacuation, loss or delay of check-in baggage and other covers specified under the plan by the insurance firm. 

Additional Tips for Opting the Best Travel Insurance Plans

When planning, try to choose the best travel insurance for yourself as well. It protects you from the unpredictable conditions that may occur and travel insurance secures you on the financial terms too.

It is not tough to select the best plan with your insurance company when travelling abroad. Choose wisely so that any trip or journey you are taking should be a memorable one. Opt for the covers which are best for you. Never take anything for granted as nothing is predictable and we as your Insurance Advisers want you safe, always. 

TRAVEL INSURANCE COVERAGE

Loss of Baggage

Under the baggage loss, you are compensated for the permanent loss of the baggage you were travelling with based on the check-in baggage stored. When stranded without baggage, you may feel left out and even frustrated, but the baggage cover allows you to incur the necessary expenses and they will be covered under the policy. 

Baggage Delay

In travel insurance coverage, the baggage delay is compensated for the items in the baggage like worn clothes, toiletries, other essentials. When required, delay in the baggage can be stressful and sometimes leads to loss of baggage at the end. 

Flight Delay

In situations of flight delay and re-booking a new flight, the unplanned additional expenses are compensated or booked by the insurance company if possible. In some situations the travel insurance company may offer to book a new flight for you, if delayed, but you should inform the insurer promptly. 

Trip Cancellation/ Curtailment

Various reasons can lead to a trip cancellation or curtailment. With the travel insurance policy, you can rest assured that your ticket expenses will be covered and you can get the amount reimbursed. Such a cover becomes even more important when the tickets you have booked are non-refundable.

Riots, protests, strikes, natural calamities, death in the family, bad weather, and so on. Any sort of emergency situation can lead to trip cancellation or curtailment. But with the travel insurance policy you can get reimbursed for the ticket expenses. 

Bounced Flight/ Hotel Booking

In situations like this, the hotels or flight seats already booked by the traveller are not available on arrival. In such cases, the insured person is reimbursed for the pre-booked hotel room or the airline bookings if the preferred accommodations are not available at arrival. The travel insurance coverage can be claimed for it if opted under the travel insurance policy. 

Loss of Passport

In situations of a bag being stolen and losing your passport, you are covered under the Travel Insurance Policy. Up to the sum insured limit, the charges of getting a new passport are met by the insurance company.

In rare cases, if your plane gets hijacked during a trip, having this cover of a policy can compensate you for the emotional distress. These types of policy covers are not generally opted by the policyholder but when travelling to destinations unknown, can help with having this cover immensely.

Credit Card Theft

Credit card theft is the cover which should be a must when travelling abroad. If and when your credit card is stolen or lost, immediately inform your insurer. Informing the insurance provider makes you eligible to receive emergency cash advance. The details of the same will be provided to you by the consulting agent or the information will be shared with the beneficiary appropriately. 

Home Burglary

Under this point of the travel insurance coverage, if you are out on a vacation or a business trip and your house gets broken into, your Insurer will pay for the damages and loss incurred by you in that robbery. However, the amount you receive depends on your insurance policy and the extent of cover

Personal Liability

The clause of Personal Liability covers you from the claim made against you for bodily injury, damage to property or damage to another person during a trip. When away from the security of your house, it gets difficult to settle a situation on an unknown land. The cover of personal liability secures you from such unwanted and unprovoked situations.  

Personal Injuries

Personal injuries incurred during the trip are compensated or expenses are undertaken by the travel insurance company. Injuries met under the influence of drugs or alcohol are not covered.

Interruption of Studies

Under the Student Travel Insurance Plan, many insurance providers cover expenses and costs you end up paying for your studies abroad. The insurance companies reimburse the tuition fees to the insured, paid in advance to the institutions by the insured. 

Medical Evacuation

Regular Travel Insurance covers emergency medical evacuation. It includes the airlift, or the cost incurred to supply medically equipped flight apparatus back to the home country. 

Accidental Death

The accidental death cover is the most important aspect of the travel insurance plans. Any individual or family member of the policyholder travelling overseas should add this accidental death clause in the policy of their travel insurance.  In this cover, in case of the accidental death, while travelling,the family of the deceased is compensated up to the sum limit insured. 

Any financial loss occurring before or during the trip is covered by the travel insurance coverage as a comprehensive cover. The trip can go down the hill due to some unforeseen situations very quickly and easily that can put you at a financial loss. It is where the Travel Insurance Policy provides the safety net and saves your trip. 

Overseas Travel Insurance Coverage for Coronavirus (COVID-19)

The novel coronavirus or COVID-19 has taken the world by a storm inhibiting the course of daily life and pushing everyone towards a new normal characterized by social distancing norms. Millions of people have succumbed to the virus-led health issues while millions more have become prey to the side effects of suffering from a disease which does not have a concrete cure.

Sovereign governments have put several restrictions on the citizens and inhibit the spread of the virus. Among several measures in place, travel restrictions have been put into place to curb the spread.

In this, a question arises that what kind of coverage insurance companies will provide once the borders open again. We need to discuss the impact of travel insurance with reference to the impact of coronavirus in India.

Does Travel Insurance Cover Coronavirus (COVID-19) Disease in India?

Yes, several travel insurance companies have developed coronavirus-oriented travel insurance coverage plans in India. The beneficiaries of these travel insurance policies stand to receive compensation for medical treatment (cashless or reimbursement), delays or cancellation charges, lost baggage, and so on.

With Bajaj Allianz, you stand to gain from monetary compensation and assistance to secure treatment in empanelled hospitals. Furthermore, in these hospitals, you can also get cashless treatment facilitated via the insurance cover.

• Overseas Travel Policy covers Medical Expenses arising out of Covid-19 outside India, including Medical Expenses incurred during Quarantine period subject to the policy terms and conditions.
• Accommodation and non-medical incidental expenses arising during Quarantine period stand excluded.

It must be noted that the insured need to present a COVID negative report 72 hours before travelling. If this is not available, the insured have to wait for 7 days for the insurance coverage to start.

However, if you decide to extend the policy coverage period while on a trip abroad, you must do so before the break-in period starts. If you decide to extend the policy after the break-in period, then the same 7-day kick in norm will apply and the coverage will start after these 7 days.

Scenario-wise Travel Insurance coverage for COVID-19

Add-On Covers / Optional Covers in Travel Insurance Policy

Add-ons are the additional features or the advantages you add to the travel insurance to make it even more extensive and airtight. The add-on covers are generally added to decrease the financial burden that you’re likely to incur at the event of a mishap.

So, the more add-ons you include in your policy, the higher will be your premium that has to be paid. It’s always recommended to add features that act as a value addition to the policy. Most of the time, individuals who go for the option of travel insurance policy plans are dubious about what it covers. 

Here are some things you must know before you opt-out for a travel insurance policy. Let’s have a look at the add-on and optional covers under the travel insurance policy that we offer- 

• Trip Delay Delight :You will be delighted to know that the financial loss caused due to the trip delay or any type of trip cancellations is reimbursed up to the policy limits. There’s a different limit for one trip, round trips or the multiple trips
• Schengen Cover It basically covers the expense that might arise in connection with the repatriation for the medical reasons or urgent health conditions such as emergency hospital treatment or death of an individual. 
• Compassionate Visit By A Family Member Guests won’t have to return home because their compassionate visit would be covered up to some limit in the travel insurance policy. So, why not go for it, when it has so many benefits?
• Emergency Hotel Accommodation For Family Member Under an urgent situation where the emergency hotel accommodation of the family member is required, you’ll face no hassle because the online travel insurance policy will cover it too. 
• Emergency Hotel Accommodation For Insured And Family Member Not only the family member who urgently requires accommodation but also the insured will be covered up to some limits under the ‘emergency hotel accommodation for the insured and family member’ in the travel insurance policy plan. 
• Escort for Minor Child  If you carry a minor or a baby along with you to the flight, this expense will also be covered up to some limit under the ‘Escort of minor child’ section.
• Loss Of Personal Belongings Cover  Whether it’s your luggage or the passport that’s lost, the best travel insurance policy will always cover you under the loss of personal belongings to help you out in the times of difficulty.
• Replacement and Rearrangement of Staff This is yet again, an unforeseen situation and is covered under the travel insurance policy. There are a few limits, rules and other obligations that one has to go through, before opting for travel insurance plans. 

Optional Covers

• Pre-existing Illness Coverage The best thing about the optional cover is that it covers pre-existing illness. It means the diseases or a physical condition, illness or ailment that existed already at the time when you bought a travel insurance policy. Isn’t it amazing how functionally the travel insurance policy plan works?
• HIV and AIDS This is an optional cover for the people of any age who have a pre-existing medical condition that includes HIV & AIDS. It includes all the complications that might occur as a result of a medical condition that falls under this disease. This also creates a risk for all the people who are travelling abroad without an adequate travel insurance policy. This is why an optional cover is made to avoid the risk of large medical bills for travellers.
• Maternity and Baby Cover from Day One Coverage So there is an additional benefit for the pregnant mommies! There’s a maternity and baby cover from day one coverage for the pregnant women on board. So, you don’t need to worry if you’re pregnant and flying. We’re here to make your experience worthwhile.
• Mental Illness and Alcohol-Related Disorder Cover Apart from the physical problems, various disorders like alcohol disorder or mental illness are also covered under the optional cover of the travel insurance policy. So, it’s up to you to choose a plan that suits you the best.

Travel Insurance Plans Offered by Bajaj Allianz

Coverage based on Trip Classification;

Solo Trip and Family Trip

Eligibility Criteria for Travel Insurance Policy in India

Travel insurance policy exclusions.

Under all the types of travel insurance in India, the insured won’t get coverage under the following conditions/incidents/scenarios:

• Substance Abuse: Alcohol or drugs.
• Human-made situations: War, Civil war, Terrorism.
• Medical Exclusions: HIV/AIDS, Alternative treatment, cosmetic treatment, pre-existing conditions or diseases, not following doctor’s medical advice, suicide or self-inflicted injury
• Baggage or Passport: Loss of passport is not covered under the travel insurance in India when the same is left unattended. Also, if the baggage is shipped separately from the insured, there is no coverage.
• The travel insurance policy won’t cover Injuries due to participation in adventure sports.

Omissions / Optional Add-Ons in Schengen Travel Insurance

Below you will find omissions in insurance claims submitted while travelling in Schengen countries.

• Medical conditions ailing the insured before they buy travel insurance online
• Injuries or life-threatening conditions occurring to participating in adventure sports in the Schengen countries
• Travelling to high-risk countries or areas designated as a red zone

Parameters That Affect Travel Insurance Premium

Due to its dynamic nature, every travel insurance policy has a different set of conditions. Consequently, the travel insurance premium for each of these plans is also different. Given below are the factors that affect your travel insurance premium.

Age:  The insurance premium of young individuals is less relative to the aged beneficiaries. The reason is simple, adults and aged individuals are more prone to life-threatening risks than a 21-year-old graduate.

Travel Destination :  Insurance is all about the risk. If you are travelling to a high-risk area, the chances of meeting with an unprecedented accident are also higher. This leads to an increase in the premium amount than visiting an area or country which is relatively stable.

Duration of Travel: The travel insurance premium is proportional to the duration of the stay.

Number of Travellers: As it is with the duration, the premium amount is set to increase with the number of travellers. But, in case of multiple travellers, you can also opt for group insurance or family insurance.

Add-Ons: Adding security features and cover like zero depreciation, passenger cover, etc., will increase the premium amount.

Add-Ons: Additional covers widen the protective shield but at a higher premium. So, if you choose to add home burglary cover or study interruption cover, the premium will also increase.

Steps to Calculate Travel Insurance Premium Online

Before you can buy travel insurance online, Bajaj Allianz gives you the option to calculate the insurance premium with a few steps.

Step 1:  Head to our travel insurance premium calculator

Step 2: Begin by sharing your mobile number, name, and email address

Step 3: After this, you will be asked to enter the country of residence

Step 4: Based on the answers, you will receive a confirmation and a premium quote

Bajaj Allianz has a common insurance premium calculator churning out purpose-specific premium quotes.

While buying an insurance policy, your aim must be to spend the minimum amount and get the highest extent of benefits. An insurance premium calculator helps you with this aspect. Not only can you find out your monthly payments but also customize the policy-based features to suit your needs and budget.

With the internet-based calculator, you can also tweak your responses to try out different combinations of policies and get an apt travel insurance policy. For calculating the travel insurance premium, our calculator also provides you with additional options like the destination, duration, and dates of travel.

The motive is to provide you with the best quote characterized by a minimal error. It is also possible to enter the traveller details (number of people and age) with the online calculator.

Another significant benefit of using the online travel insurance policy premium calculator is that you can compare the premiums of different types of policies and companies.

Tips to Lower Your Travel Insurance Premium

The importance of buying travel insurance in India is not unknown. By now you must have realized that purchasing travel insurance is not an extra burden in your vacation budget, but it can give you a peace of mind which is essential to enjoy your trip.

Travel insurance is important, but you can adopt methods to lower the premium;

• Opt-in for a Multi Trip Cover : One of the best options for frequent travellers, a multi-trip cover will protect you for a specified time (mostly, it is one year). So, you can travel in and out of the country for several trips and have a single policy to protect you and your interests.
• Buy Insurance Early On : Getting the travel insurance plans early on is beneficial from multiple facets. First, it shows that you understand your responsibilities. Second, in case you want to cancel your trip or there is an unprecedented situation, early insurance helps you make the required changes.
• Tailor-Made Insurance Policy : We want you to combine this point with the previous point, “Get Travel Insurance Early On”. If you start early, you can try out different combinations of features and check out different insurance providers. This is opposed to a scenario where you choose the wrong policy coverage and end up paying more while getting fewer benefits.
• Go For Group Insurance : Group Insurance packs a punch of services, provision to add multiple members, offers several benefits and has relatively lower premiums.

Why Should You Buy Travel Insurance Online?

The fast-paced urban lifestyle has always kept our hands busy and our mind riddled with all sorts of duties and responsibilities. In all the chaos, you should choose to buy travel insurance online. Along with the ease of applying, the online process has several other benefits. 

• Easy Online Comparison: There isn’t one insurance provider offering travel-related coverage policies and plans. With an almost saturated market, you are faced with several players under a single umbrella. This can be overwhelming, but if you do it right, the market competition can be beneficial for you. When you compare travel insurance online, it becomes easier to create a list of potential insurance providers with services and benefits specific to your travel plans. Online comparison of travel insurance plans in India is also time-saving and signifies a faster way to look at different options.
• Convenient : To get your preferred travel insurance online, all you need to do is take out your phone, visit our website, fill in the form, and get covered for the trip. Browse through different insurance plans at the time of your convenience.
• No Agents : Instead of asking your friends or relatives to refer a good insurance agent, go online and take the matter in your own hands. Plus, not talking to the agents will save you a lot of time and money in commissions.
• Contactless Purchase : With the Bajaj Allianz option to buy travel insurance online, there is no need to visit the brand and submit the papers. You can upload the documents on the website in an instant and also receive the insurance confirmation letter on your email.
• Get Insured Anywhere, Anytime: Forgot to buy the insurance plan during the office break? No issues. You can also do it while coming home, in a restaurant, or while watching a movie. Everything from filling the form to paying the amount can be done online anytime, anywhere.
• Policy Issued Instantly: As soon as you make the payment, you will get the insurance papers on your mail. No need to run after the agent to get your confirmation letter or insurance papers.

Why Travel Insurance?

Things to Consider While Buying Travel Insurance Online

To achieve the maximum benefit of your insurance plan, you must conduct some research while analyzing your trip characteristics and boil down to an optimal travel insurance plan. 

●   Age: Travel insurance plans differ for different age groups. Where seniors are more prone to risk, their premium is also higher as compared to the younger population.

●   Destination: Travelling to a high-risk destination increases the chances to meet with an unprecedented situation. Besides risk, insurance companies also look at the medical expenses of the destination countries as well as their proneness to natural disasters.

●   Duration: The trip duration has a direct impact on the travel insurance policy benefits and premium. Here, a better way to go is to buy the multi-trip insurance if you will be travelling frequently in the next 12 months. Also, if you are taking a single vacation, but for a longer duration, the premium will be higher.

●   Type of trip: Your insurance provider will look at the trip itinerary to analyze the type of trip. An action-packed vacation consisting of adrenaline-pumping activities and adventures will invite a higher premium as compared to a trip where you are relaxing on a beach or reading a book in the mountains.

●    Add-ons: Add-ons provide additional coverage for unpredictable incidents during the trip or back home. Common add-ons include home burglary protection, fire insurance, study interruption coverage. These additional services do come at a cost which will increase the travel insurance premium.

●   Sum Insured : The total insurance amount has a direct impact on your premium. Buying insurance policies that cover for you a wide gamut of services has a higher insured amount, as a result, the premium will increase. But you should not always go for a higher sum insured, list down your requirements and look for a suitable coverage plan.

●   Coverage : Do not stick to one insurance provider. Do some research and analyze which insurer is giving the most benefits at the lowest premium. Along with this, make sure to first consider your requirements and then look at the packages.

●    Claim settlement ratio : Before you buy any sort of travel insurance plans, check the claim settlement ratios of the various insurers. If a company has a higher settlement ratio, this means they have completed more claims than others, and that company should get preference.

●    Affordability/Premium: A smart move while buying travel insurance plans will be to weigh your affordability and the premium amount on the same scale. Go for an insurer who provides a higher compensation, with fast claim processing at a reasonable premium.

●    Claim procedure: There is no point in going with a lower premium when you end up knocking on different doors to get your claim processed and settled. Going step by step, after you have chosen a few travel insurance providers by analyzing other aspects, also look at their claim settlement procedure. Go for a company which provides online claim submission and hassle-free processing.

●   Schengen check: There are some peculiarities when it comes to travel insurance for Schengen countries. Insurance on a Schengen visa is different from a visa from other countries. Always cross-verify the same with your shortlisted travel insurance policy providers to avoid any last-minute interruptions.

●   Exclusions: Insurance companies may also have some reservations and may not provide cover for a few incidents. While researching for your ideal travel insurance provider, look at the exclusions. These are the instances, conditions, or scenarios where you will not get the reimbursement.

●  Medical Conditions: Check the eligibility conditions to know the medical diseases or conditions for which your insurance provider will not be liable to pay.

●  Personal Belongings: Even though most of the travel insurance providers cover the expenses for loss of passport, cash, baggage and other belongings. But no company will compensate for negligent behaviour and your failure to take care of your belongings. It is recommended to know what amounts to negligent behaviour before buying the travel insurance plans.

Apart from these major aspects, you may also look at the insurance company’s solvency ratio and additional benefits that come with your policy to fully understand the scope of your travel insurance policy. 

Steps to Buy Travel Insurance Online

There are three ways to buy travel insurance online from Bajaj Allianz:

●     From the Official website

●     From the Caringly Yours Mobile App

●     Offline

Buy Travel Insurance Online from Bajaj Allianz Website

Step 1 : Visit our website  and proceed by by selecting the type of insurance you want to avail. You can choose from Individual, Family, Business, or Student..

Step 2 : Fill in your full name in the given column and then select the policy type. Out of the three options, Leisure, Business Multi-Trip, and Student, choose one. This is followed by selecting the relevant option according to your previous selection. 

Step 3 : You will be asked to provide your date of birth, departure and return dates, destination, and your existing pin code. 

Step 4 : Bajaj Allianz will analyze your selected values followed by sending a quote to your phone and giving you the option to select a plan instantly.

Step 5 : Choose the plan you want, include some add-ons from the given options followed by making the payment.

Step 6 : Wait for the payment confirmation and you will receive the acknowledgement and the insurance documents on your mail instantly.

Buy Travel Insurance Online from Caringly Yours Mobile

Step 1  : Download the app and you can use the same login Id and password to start using the “Caringly Yours” mobile application.

Step 2  : Select travel insurance and fill in the details including your name, DOB, travel details, travel dates, and your pin code.

Step 3  : Wait for the application to process your answers and you will receive the insurance quotes on the phone

Step 4  : Select the plan which suits your travel itinerary, include add-ons (optional), and pay for the plan. 

Step 5  : Choose the plan you want, include some add-ons from the given options followed by making the payment

Step 6  : Wait for the confirmation receipt and insurance documents which you will receive on your emve on your email address. 

Travel Insurance Claim Procedure

It is imperative to understand the travel insurance claim procedure when you are visiting abroad. The best way to file a claim is online via your mobile application or check the website for the claim procedure.

Below, you will find three types of claim procedures offered by Bajaj Allianz

Cashless Travel Insurance Claim:

The Bajaj Allianz travel insurance cashless claim is applicable for hospitalization expenses overseas. However, it must be noted that one should seek a claim if the expenses are more than USD 500. For amounts less than USD 500, you can file a reimbursement claim.

• ● Initially, you need to submit the documents online for verification.
• ● Once the claim is submitted and verified, you and your care-provider (hospital) will receive a payment guarantee letter.
• ● In case the information provided is incomplete or missing, you will be asked to complete the formalities and the claim process will continue.

Travel Insurance Reimbursement Claim:

The Reimbursement claim process takes around 10 days provided you complete the documentation and the paper submission is accurate.

• ● First, you need to collect all the required documents and submit original copies at the BAGIC HAT.
• ● Post scrutinization and verification, you will receive the payment within 10 days in your Indian bank account via NEFT.
• ● In case some documents are missing or incomplete, you will receive an intimation regarding the required documents, which you have to submit within 45 days.
• ● Bajaj Allianz also sends three reminders every 15 days asking you to complete the formalities.
• ● Post the 45 day period, if the documents are not complete the claim proceeding will abort.

Mobile App Claim Settlement: Automatic With Trip Delay Delight:

With Bajaj Allianz, you will get a special service of automatic claim settlements in case of trip delays.

If you are using the Caringly Yours mobile application, there is no need to seek a claim for trip delays. The application will keep track of your flight and in case of a delay, the required pay-outs are automatically processed.

Documents Required for Travel Insurance Claims

Documents for Medical Emergency (To be Attached with the Claim Form):

• ● Policy Documents (Number, Name of the Insured, and Contact Details)
• ● Reports of the diagnosis
• ● Place and country of the incident
• ● Attending physician’s Statement (APS)

Loss of Baggage:

• ● Claim form
• ● Baggage tags copies
• ● Confirmation letter from the airline authorities about the loss of baggage.
• ● Property Irregularity Report

Baggage Delay:

• ● Invoices of the purchases made during the delay period.

Trip Cancellation/Interruption/Missed Connection:

• ● Confirmation from the airlines about the scheduled arrival and departure
• ● Letter of correspondence from the airline certifying the delay
• ● Statement of the reason for the delay along with the necessary documentation pertaining to the reason.
• ● Tickets (original copies)
• ● Invoices or receipts of the expenses incurred and proof of cancellation charges.

Loss of Passport:

• ● Submit the photocopies of your new passport and old passport (if available).
• ● Original copies of the expense receipts and invoices for the new passport
• ● Photocopy of the FIR or Police Report

Hijack Situation:

• ● A full account of the events that unfolded during the hijack
• ● Corresponding letters from airlines
• ● Photocopy of the ticket and the boarding pass

Accidental Death:

• ● Original copy of the death certificate
• ● Photocopy of the Coroner’s report, FIR, Post-mortem report

Study Interruption:

• ● Submit the medical reports authenticated by the doctors
• ● Bills and receipts of the university fees paid earlier

Steps to Renew Travel Insurance Online / Offline

Renew Travel Insurance Online Those who do not want to go through the time-consuming offline process can renew travel insurance online. Going by this method you will save time and also some money that is spent on travelling to the branch or meeting with the agent.

• Step 1 : Visit the Bajaj Allianz website and go to your travel insurance policy page Click on renew and read through the existing benefits along with identifying if you want to add other coverage benefits and update the policy.
• Step 2 : If applicable, submit the additional documents. If not, you can straightaway go to the payments page and initiate the same via Credit card, Debit card, or Net Banking.
• Step 3 : Once the payment is confirmed, you will receive the soft copy of your insurance policy on your email address.

Renew Travel Insurance Policy Offline Offline renewal means that you will either have to get in touch with your agent or visit the branch and complete the formalities there. 

• Step 1 :  Contact the agent or visit the branch before the existing insurance policy ends. Take the time you have to review your existing policies and its benefits. If you want to add something to coverage, ask the agent to do the same. 
• Step 2 :  after reviewing the travel insurance policy, ask for the additional forms or applications pertaining to the add-ons, only if applicable. Submit the required documents (ask the agent or the branch representative for the same). 
• Step 3 :  Carefully review the policy documents, conditions, and guidelines before you pay the premium while buying travel insurance in India. 
• Step 4 :  In offline processing, you have to make the payment via cheque. Make sure that the beneficiary in the cheque is the insurer and not the agent or the representative you are consulting. 

Countries Where Travel Insurance is Mandatory

Even though international travel insurance is not mandatory to visit abroad, it is recommended that you secure a policy to safeguard your interests. In a foreign land, where you are unknown to everybody and where people are reluctant to help you, having something to protect you is essential.

Hence, we recommend you to buy the appropriate travel insurance policy. Having said that, there are some countries which necessitate that every non-citizen is secured with a travel insurance policy. Without submitting the insurance confirmation, you may not get a visa for these countries.

• ● Antarctica
• ● Schengen Countries
• ● United Arab Emirates
• ● United States of America

How to Extend International Travel Insurance?

Extending your stay while you are on a trip involves three scenarios, pre policy expiration, post policy expiration, and emergency extension. Be it any sort of situation, there is a way to extend the travel insurance policy provided you inform the insurer accurately.

Pre Policy Expiration: This is a situation when you wish to overstay in the travelling country for any reason but an emergency or medical condition. While you have to arrange for the return travel tickets, accommodation, and other expenses yourself, the insurance will cover you for the extended time subject to the extension approval.

• Step 1 : Initiate contact with the Bajaj Allianz team online or by giving us a call to give the details of the trip extension.
• Step 2 : The representative will ask you to fill out a ‘Good Health Form’ and submit the same at the earliest.
• Step 3 : Your request to extend the travel insurance policy will be forwarded to the underwriters who will examine the same and assist you with the extension details further.

Post Policy Extension: If you decide to extend the travel insurance plans coverage after the existing policy has expired, it comes under the purview of post-policy extension.

• Step 1 : Contact the Bajaj Allianz team and inform them about the extended stay. You need to state a reason for an extension.
• Step 2 : After the initial query your request will be forwarded to the underwriters who will scrutinize the decision and help you with the extension.

Both pre-policy and post-policy travel insurance extension requests come under the ambit of planned extension. Insurance policy extension is subject to valid reasons and you will also have to pay an extra premium for the extended stay.

Emergency Trip Extension: If you decide to extend the travel insurance plans coverage after the existing policy has expired, it comes under the purview of post-policy extension.

In this scenario, you can get an extension on your travel insurance policy and also cover the costs for emergency hotel stay for the insured and the family members.

• Step 1 : You can contact us either by giving us a call or sending an email explaining the emergency situation requesting to extend the travel insurance cover.
• Step 2 : Along with the reason, you may also need to present a letter from the airlines citing the reason for flight cancellation.

We understand that getting stuck abroad in an emergency situation is already stressful. At Bajaj Allianz, we do not want to extend your worries and will prefer to help you quickly and efficiently.

Travel Insurance Portability

Travel insurance portability gives you the freedom to switch the insurer without losing any benefits provided with the existing policy. Bajaj Allianz respects your freedom of choice and allows you to change the insurer as well as welcome everyone to get protection from our policies.

However, there is a process that you must follow to ensure a smooth transition from one insurance provider to another.

• Inform us about the portability requirements via online registration.
• You must inform the existing insurance provider 45 days in advance.

You must note that the premium amount of a similar travel insurance plans is at the discretion of the new insurer.

CUSTOMER STORIES

Average Rating:

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Straight forward online travel insurance quote and price. Easy to pay and buy

Very user friendly and convenient. Appreciate Bajaj Allianz team a lot.

Very nice services with affordable premium of Travel insurance

Excellent process! Very easy to use and instant output

Very prompt and professional service. Pleased with customer service team of Bajaj Allianz.

Nice and customized website. Loved the experience on Bajaj Allianz's website.

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TRAVEL INSURANCE FAQS

    is travel insurance mandatory.

No, travel insurance is not mandatory for all countries. However, certain countries have made it mandatory like Australia, Schengen countries etc.

    What is a deductible? Why is this necessary?

A deductible is essentially the sum of money you agree upon to be paid towards your cover before you begin to make claims on your travel insurance. With most travel insurance policies, the deductible is applied to emergency medical care costs. It may also extend to baggage or trip cancellation/ interruption coverage.

    Can I buy insurance if I am going on a work permit abroad?

Most travel insurance providers in India do not provide travel insurance to people travelling abroad on a work permit. It is advisable to check with your travel insurance provider before purchasing the travel insurance policy.

    Are 'business travellers' eligible for a Travel Insurance policy?

Yes, business travellers are eligible for a travel insurance policy, however, this will depend on the company on the type of cover they have agreed with the insurer, it is also important to ensure in case of international travel the policy is eligible overseas.

    Can I buy insurance if I have an immigration visa?

Yes, you can buy travel insurance online even if you are travelling on an immigration visa. The maximum duration of your policy can only be 180 days. After 180 days, you need to purchase the policy from the country you are immigrating to. Some insurance companies provide coverage to immigrants for 90 days and some others for 180 days so you can select the plan accordingly.

    What is an Emergency Assistance Service provider?

Emergency assistance refers to a service which provides help in medical emergencies during travel or you are in need of urgent care. The assistance service provider may be called first, or after the individual has been taken by local emergency services to the hospital. Emergency assistance contact information can be found on your travel insurance provider’s contact page.

    Can I be issued more than one policy for the same trip?

No, only one travel insurance policy will be issued per single trip to the insurer by the insurance company.

    Is it mandatory for the customer to be in India during the purchase of policy?

Yes, it is mandatory for the customer to be in India because once you depart from India, you cannot buy the travel insurance policy.

    What paperwork is required for buying travel insurance online in India?

Zero paperwork is required for buying travel insurance online in India because it can be purchased online.

    How can I cancel my travel insurance policy?

To cancel your travel insurance policy, you will have to contact the travel insurance provider directly. In case you have cancelled your trip and did not make any claims, you simply need to deposit your proof of passport to show that you did not take any journey for the trip. Request for cancellation is considered within 14 days after the commencement of the policy.

    Will I get a refund if I cancel my travel insurance policy?

If the cancellation is done before the departure date then a full refund fewer cancellation charges will be provided. If it is after the start date and non-departure, then you have to provide proof of your non-travel, a full refund less the cancellation charges will be provided. However, if you are cancelling the policy post-travel or leaving for your home country amidst of your journey based on utilised premium, remaining premium sans cancellation charges will be provided.

    How many times can we extend the policy?

Yes, you can extend the travel insurance policy any number of times. But this holds true only if the total duration of the policy is equal to or less than 360 Days.

    If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

Travel insurance companies charge a premium to travellers on a per-day basis or take the entire payment in advance. If the insured returns home earlier than planned, he/she will be eligible for a partial refund provided the premium was paid in advance and no claims were raised during its tenure.

    What are the maximum days for which I can take the travel insurance policy?

The duration of the days varies from one travel insurance company to another. The maximum number of travel days under a single trip that will be insured is 182 days.

    Contact details from Different Countries? List or numbers?

You can contact your Emergency Assistance Provider. All the contact details of the TPA are specified in the travel policy schedule.

    What is Sum Insured?

Sum insured refers to the maximum coverage you are entitled to under a specific benefit. This benefit is mentioned in your policy schedule against each benefit like medical, baggage loss, trip cancellation etc.

    Who is the TPA/ Emergency Assistance Provider?

Emergency Assistance Provider/ TPA( Third Party Assistance) is a travel insurance company hired service provider appointed for providing administrative services and cashless services to their customers. A TPA acts as a mediator and serves as a claim processor, information provider for the customer and also helps in networking.

    Whom do I contact while abroad in case of any emergency?

You can contact your Emergency Assistance Provider /TPA in case of any emergency. All the contact details of the TPA are specified in the travel policy schedule.

    From where I can access the list of network hospitals?

There is no specific list of network hospitals which can be provided directly to the Insured. Travel policy covers all the hospital and the service providers in case of emergency. You have to contact the Emergency Assistance Provider. 

    What do I do first when I fall sick while abroad?

If you fall ill while travelling overseas, you can visit any hospital and intimate the travel insurance company after your visit to register a claim for reimbursement.

    How do I know Limit of each type of expenses? What expenses are covered or not?

All the types of limits and expenses are listed on your travel insurance online portal. You are recommended to go through the policy wordings for all the details, it has all the fine prints of the policy.

    What is covered under Personal Accident & Personal Liability?

Personal Liability covers damages for claims legally filed on the insured against

the property damage and medical expenses to others as a result of bodily injury caused by the insured in an accident. For Personal accident cover, you can refer to the table of losses in the travel policy wording. Apart from the death and permanent disability cover, you also get covered against the partial and temporary disability

    Within how many days I need to submit the documents for my travel insurance claim?

You have to arrange and submit the travel insurance claim documents within the 30 days from the date of return to India or expiry date of the travel insurance policy whichever is earlier.

    Will I be getting any card which I can produce in the hospital to avail medical services?

No, there is no card, you only have to submit the copy of your travel policy in the hospital and simultaneously contact your travel insurance company Service Provider to intimate the claim.

    Do you cover if we purchase only medicines from Pharmacists without consulting a doctor?

No, medicines purchased from pharmacies directly are not covered until and unless prior consultation is taken from the doctor and the same medicines are prescribed as part of the treatment. You will have to pay upfront and file a claim for reimbursement with the supporting consultation notes and prescriptions from the doctor.

    What if I lose all the original documents?

It is very important to provide all the supporting documents to your travel insurer to get your claim approved. But if you fail to produce the original documents, your claim will most likely get rejected and you will not get the claim amount.

    Is there any pre-approval required before hospitalisation?

In case of the planned hospitalization, you have to inform your travel insurer TPA about your medical treatment in advance. Moreover, you will also have to take a pre-approval from your travel insurer before getting admitted in case you want to avail the cashless claim facility.

    Do I get a free look period in travel insurance?

Free-look period is available in the annual multi-trip option where you have 15 days to review your policy. Most travel insurance policies do not come with any free look-in period. However, few travel insurance in India companies do offer a free-look period to people who are opting for annual multi-trip or student travel insurance.

    Do I get a grace period for domestic/international travel insurance?

Travel insurance companies generally provide a three days grace period to get your travel medical insurance policy extended provided there is no claim in the expired policy. 

    Can I buy travel insurance after leaving the country?

No, you cannot buy a travel insurance policy online or offline for your journey after you depart from the country. Many travel insurance companies do not allow travellers to buy travel insurance even on the day of their journey.

    What should I do to check the status of my policy?

You can check the status of the travel insurance policy by registering yourself on The travel insurance portal and login with your username and password. This will give you all the information related to your travel insurance policy.

    What are the minimum and the maximum duration the insurance can be purchased?

You can buy travel insurance up to the day before you leave on your trip. The coverage of a travel insurance policy for your trip begins as soon as you commence your journey and end the moment you return back to your city of residence. The duration of each journey is restricted to 30-60 days

    What credit cards offer free travel insurance?

Premium credit cards offer a lot of travel benefits including travel insurance.

Credit cards offering travel insurance are:-

●     HDFC Regalia credit card

●     Standard Chartered Visa Infinite credit card

●     Axis Bank Privilege Credit card

●     IndusInd Bank Platinum Aura Credit Card

    Can you buy insurance after starting your trip?

No, you cannot buy a travel insurance policy after starting your trip. You can buy a travel insurance policy at any point in time before your journey starts.

    Is it mandatory for the customer to be in India for international travel policy Issuance?

Yes, to buy any sort of travel insurance policy from Bajaj Allianz or any other insurance provider you need to be present in India. 

    I already purchased insurance, but there seems to be some change in my journey dates. Can I alter/change my trip dates in the policy?

Yes, the travel dates can be altered in travel policy after contacting the travel insurance company.

    I am an OCI Cardholder (Overseas Citizen of India). Can I buy a travel policy?

Yes, OCI cardholders can buy a travel policy but you should have a valid Indian passport and you intend to return back to India.

    I want my parent(s) to visit me. Can I be their proposer and purchase their policy?

Yes, you can purchase a trip insurance policy on behalf of your parents as a proposer.

    Do I need to undergo any medical examination for coverage?

Many travel insurance companies offer cover without a medical check-up, however medical tests are required for certain age groups, and in case you are visiting a country where certain medical tests are mandatory before arrival. It is advisable to check the guidelines of the travel insurance company.

You can also cancel your health insurance policy before its expiry instead of renewing it. You might also be eligible for certain benefits, if you surrender your policy after renewing it without break for a certain fixed number of years. You can contact your health insurance provider and know the complete details to cancel your medical insurance plan.

    Does travel insurance cover me if I cancel my flight?

Yes, your travel insurer will cover all the expenses and losses incurred due to flight cancellation before the date of the departure. However, you have to give the valid reason for the cancellation.

    Who are the travel assistance partners?

Travel assistance partners provide essential information that helps the customers to organize their journey including administrative requirements, medical requirements, safety information, medical repatriation etc. 

    What document will I get as proof of Insurance?

You will receive a copy of the travel insurance policy detailing the benefit of the policy from the insurer. 

    Does Travel Insurance Cover the Loss of Credit Cards?

Yes, travel insurance policies cover credit card loss, having a travel policy covering credit card loss helps recover credit card replacement cost and compensation of any fraudulent transactions. 

    Are Non-refundable Tickets Covered Under Travel Insurance?

Yes, the non-refundable tickets are also covered under your travel insurance policy. But, the amount of compensation depends on your insurance policies and conditions.

    What is the meaning of medical repatriation?

Repatriation covers the cost of being transported home if it's medically necessary after a medical emergency has been stabilized. This includes medical transport if necessary. If the worst happens and a covered traveller dies on the trip outside the home country, this service will transport the remains back home.

    What is Emergency Cash Advance?

Assistance service when the person requires emergency cash following incidents like theft/burglary of luggage/money or hold up. Two popular emergency cash advance services available to you include emergency loans and traveller’s check. In order to be eligible for emergency cash advances, you must present an official police report for the incident.

    How am I covered in case I meet with an accident and suffer injuries / any loss?

The travel insurance policy covers will compensate you for any unfortunate losses or outcomes of an accident that takes place during your travel. In case of an injury/losses, you will be covered up to your sum insured amount by your travel insurance policy. All your medical expenses and bills including hospitalization will be covered by your travel insurer.

    What kinds of risks are covered under the travel insurance policy?

A travel insurance policy protects you from the risks of having a financial loss rising

due to accidents, medical emergencies etc while travelling. The most common risk that are covered under the travel insurance policy is:-

●     Accidental death and injury

●     Overseas funeral expenses

●     Medical expenses

●     Theft

●     Delayed/loss of baggage

●     Overseas dental treatment

●     Loss of passport

●     Home burglary insurance

    What benefit will I get from this insurance in case of a medical emergency?

In case of a medical emergency, you will get the following benefits from the travelinsurance:

●     Expenses incurred for any sudden illness or injury.

●     Medical evacuation to India.

●     Transportation expenses of mortals remain back to India.

●     Accidental bodily injury during the trip.

●     Cost towards burial in case of one’s sudden demise.

    I am not a professional sportsperson. Will I be covered if I meet with an accident while ballooning/gliding?

If you meet with an accident while ballooning/gliding, then you will have to bear treatment expenses on your own. This is because many travel insurance companies do not cover adventure sports activities unless you purchase additional cover for adventure sports. It is best to confirm with your travel insurance company.

    Does the travel health insurance policy cover for dental treatment?

Yes, the travel insurance covers the injuries or mishappening which occurs during the travel span. So in case you face any kind of mishappening during the travel and a medical emergency comes up so all the expenses during the treatment would be covered under the policy.

    Does health insurance in India cover any kind of diagnostic charges like MRI, X-Ray or any other body scans?

Yes, health insurance in India covers some medical tests and scans as per the terms and conditions mentioned in your policy for in-patient hospitalization.

    How will my policy help me if I lose my passport?

Under travel insurance policy we get an opportunity to apply for a new or a duplicate passport. All the expenses which might occur during this time which is to apply for a new passport all are covered under the travel insurance. Hence we can claim all those expenses from the bank.

    What will happen if my baggage does not clear in time? Will my policy help me in any way?

Under travel insurance, we cover all the expenses of your baggage if the baggage delivery is delayed for more than 12 hours. The procedure includes reporting the delay in baggage with the concerned airlines you have travelled. This works as proof of delayed baggage and also helps the authorities track the same. 

    What if a handbag is lost while travelling by airline, will it be covered?

If any handbag is lost during travelling it does not get covered under travel insurance. The policy only speaks for any delay in luggage which would be handled by the airliners. However, you need to present the required documents of baggage delay to get the benefit.

    If I suffer any loss while travelling by railway/ship in a foreign country, does my travel insurance policy help me in any way?

Yes if you are travelling by any of the commercial mediums you get the requisite cover for the points mentioned in your policy. Make sure to go through the covered expenses and conditions therewith while buying the policy. 

    If I hire a car while travelling and meet with an accident, will the policy cover me?

Any situation where you end up with any sort of injury, health problems, or even death is covered under the policy. Travel insurance is inclusive of the personal liability due to which it is eligible for these expenses incurred during the trip. Also, any third party property losses can be covered under this policy

    In case I am short of cash, can I avail of Financial Emergency assistance?

Getting compensation for the cash shortage is a special requirement and it only applies if you are a victim of a theft or a robbery. But, you won’t get help if you run out of cash on your trip.

    What if my flight is hijacked? Will my insurance policy be of any help?

If in any case flight in which you are travelling gets hijacked for more than 12 hours. All expenses faced during this period would be covered under the travel insurance. 

    My house is going to be locked for months. In case there is a robbery/theft or fire will the insurance policy reimburse us?

Yes, you can get the compensation for such an incident, but for that, you need to get the Home Burglary Cover. With this additional travel insurance policy cover, you can avail compensation for actual robbery or for attempted. However, you will not get the required help in case of a fire or any other incident. 

    As a student, if I fall sick and have to repeat a semester will my travel insurance policy help me in any way?

In case of any hindrance in your studies travel insurance policy may help you via the Study Interruption Cover. But this could be possible if the reason is valid and you are hospitalised for more than one month. The reason could be any illness or injury, disease or any medical grounds.

    Is pregnancy or disease/complication arising out of pregnancy covered?

Travel Insurance does not pay cover for the disease/complication arising out of pregnancy. In certain circumstances such as in unforeseen pregnancy complications can be covered to some instances or in the prior purchase of travel insurance plan then pregnancy.

    If I sustain a loss on the last day of the policy and continue treatment abroad will the policy be automatically extended to cover the loss?

Yes, if in a covered period any loss occurs then the insured will get the claim. But the policy will not get extended. All the expenses of the loss will be covered.

    If a loss is sustained during the policy period while abroad, and this results in death or disability after coming to India. Will this be covered?

Yes, if a loss sustained during the policy period while abroad results in death or disability after coming to India will be covered under Travel Insurance policy terms and conditions.

    What is Accidental death and Dismemberment-Common Carrier?

Accidental Death and Dismemberment-Common carrier is a travel insurance policy cover that provides the insurer cash due to loss of life or limb in an accident during a covered trip.

    What does this travel insurance policy cover under Compassionate visit?

This travel insurance policy covers the travelling expenses of any one family member or friend under a Compassionate visit apart from covering wholesome some for the loss of the insured.

    What cover does the International Travel Insurance offer towards home and home contents?

A standard travel insurance policy will not provide any sort of cover towards the home or its contents. To avail for the same, you need to get an add-on cover on your insurance policy. 

    Can the existing International travel policy be extended to cover domestic travel as well?

No, you cannot extend your existing international travel insurance policy to cover the domestic travel expenses as well. For domestic travel protection, you need to secure another domestic travel policy or rely on your health insurance policies to provide the required coverage. 

    Will the policy cover the expenses towards new passport loss incurred in India?

No, the International travel insurance will not cover the expenses towards new passport loss incurred in India but if the travel insurance includes domestic trips then the loss will be covered under some travel insurance plans.

    Do you cover Ambulance Charges also?

Yes, in case of accidents during the covered trips, all the expenses including the Ambulance Charges are covered under Travel Insurance Policy.

    Will my family be covered under one Policy or Do I need a separate policy for travel and separate claim documents for each family member?

One can take the Family Travel Insurance Policy to cover your entire family. No separate claim documents are required for each family member under this policy.

    I suffer from Hypertension/Diabetes. Can I buy a travel policy?

Yes, even if one suffers from Hypertension or Diabetes one can buy travel insurance but one has to disclose this fact before purchasing the travel insurance policy.

    What sum insured should I opt for while travelling to Schengen countries?

A minimum sum insured to travel to Schengen countries is about 30000 EUR which is equivalent to 2,692,890 Indian rupees. The minimum sum criteria may differ from one travel insurance to another but this is a general estimate.

    How long does it take to receive the policy papers once I purchase the insurance online?

When one purchases the travel insurance online, a confirmation is immediately received. Along with this confirmation an ID card is also sent which is printable. This ID card alone is enough to make a claim. 

    If a student travel policy is issued for 2 years, the sum insured is applicable every year or overall?

Travel Insurance for a student issued for 2 years is applicable for the entire period of the policy taken. The sum insured is not applicable every year.

    Does my international travel insurance cover me in case of emergency medical attention required on an OPD basis?

Yes, international travel insurance covers the insured in case of emergency medical attention required on an OPD basis. Travel Insurance covers for OPD, injuries, local emergencies, etc. But it does not cover Self-inflicted damages and illness.

    Will you have to pay an additional premium to extend your travel insurance?

In case you want to extend your trip, it's recommended to extend your travel insurance plan which automatically means an additional premium amount to be paid. To extend the policy one has to fill the extension form online or one has to visit and fill the form in the nearest branch.

    What are the modes of payment?

Travel Insurance can be purchased with both physical and digital modes of payment. In physical forms, they accept cash, cheque, debit, and credit cards. Digital modes refer to Google pay, Paytm, and several other options.

    How do I decide the scope of travel insurance I require while travelling or does the insurance company decide this?

One can decide the scope of travel insurance which he/she may require. The insurer can provide them with the travel insurance plans which will cover all their interests. The insurance company can only suggest you opt for a better plan with add-ons but won't decide the scope for you.

    Can I avail of discounts on my premium amount? How?

There are no provisions to avail any sort of discount on your premium amount. 

    What is Travel Insurance Premium?

The travel insurance premium is the sum one pays to get cover benefits in case of some unfavourable events listed under the terms, plans, and conditions of the policy. This sum is annually payable.

    How does Bajaj Allianz Travel Insurance settle its claims abroad?

In case any incident happens which is covered under the policy then all the expenses whether medical, services, hospitality, etc. are paid by the company and even cash in advance is also provided in some situations.

    Does a claim have to be lodged or made in a specific time frame from the time of the accident?

Yes, Travel Insurance states the time frame which is 30 days. Under this time window, the claim is to be filled so that the claim procedure can start. After this time frame, the claim is not processed. If the insured is unable to fill the claim document then his/her family member has to act on it.

    Do I need to pay the doctor/hospital/service provider or will they be paid by Bajaj Allianz?

No, you won't have to pay for a doctor, hospital, and service provider. All these expenses are covered in Travel Insurance and will be paid by the Bajaj Allianz. Apart from this Travel insurance policy also pay for the Compassionate visit in such cases.

    How long does it take to settle a claim?

After completion of all the formalities and documents, the claim is settled either in cash in case of death of the insured, cancel tickets, loss of passport, etc., or paid directly to the service providers, hospital, and doctor in case of injury or illness overseas

    What kind of documentation is required while making a travel insurance claim?

The extent of documentation required to get the travel insurance claim is minimal and this makes the process smooth. The documents required in case of an online purchase is the ID card and identity documents. Apart from this, the FIR copy is necessary.

    Do travel insurance plans Policy cover Pre-Existing diseases?

No, Travel Insurance plans won't cover pre-existing diseases such as diabetes, anxiety, mental disorder, HIV/AIDS, self-inflicted illness, alcohol/drug abuse, travelling against prescription by doctor or physician. Travel Insurance plans don't hide any of the facts and conditions which are not covered.

    In the case of any medical emergency is there any need for pre-approval before hospitalization? If pre-approval is required then what is the procedure?

In case of any medical emergency, one must contact the insurer's TPA so that they can make the negotiation for the cashless claim. In any case, this cashless claim is denied then one can fill for the reimbursement for the cash claim to meet the medical bills. 

    What is a sub-limit?

As the name sub-limit suggests, limitation. Well in travel insurance, sub-limit refers to the limitation on the amount of coverage which the insurance company is liable to the insured. It is a specific limitation on the coverage amount which limits the cover on a certain type or extent of the loss.

    Can I file a travel insurance claim once I return to India?

Yes, the insured can file a travel insurance claim once they return to India. The time window is 30 days or at the end of your trip. But this purely depends upon your travel insurance agency and the travel insurance plan which one has purchased.

    How will the reimbursement happen? Will I get the money in local currency or USD $?

One gets the policy reimbursement either in cash or the claim is settled on a cashless basis. If one gets reimbursement in cash then it can be in local currency or USD depending upon the location and situation.

    Will I receive the reimbursement money in my account directly or by cheque?

It is stated under the Business Travel Expense Policy that the advances for travel and reimbursement should be paid via cheques and not cash. So the amount of reimbursement money will be received in the form of a cheque by the insured.

    Can I claim for the treatment in India after returning to my home country?

Yes, one can claim for the treatment in India after returning to the home country if the treatment is prescribed to be taken under a specific doctor's residence of India or the treatment required is only available in India. But in reality, these cases are very rare.

    What if I am unable to submit original documents for reimbursement?

One has to submit the original documents for reimbursement or in any case one is unable to submit them such as if lost or destroyed, then one has to arrange its copy or make it new to get the reimbursement.

    Will I be able to extend the travel insurance policy if I already have an ongoing claim?

Yes, one can extend the travel insurance policy even if they already have an ongoing claim. The premium on the extended travel insurance will vary and this also depends upon the current plan and insurance company.   

    How many days does it take to settle the claim?

To settle the claim, one has to submit the required documents and after the acceptance of the same, the procedure will start. This procedure takes about 15 working days to process and then the claim is granted.

    Is an FIR required for the occurrence of an accident?

Yes, FIR is required on the occurrence of an accident. This is one of the necessary documents required for the claim and one must also provide the affidavit stating there was no third-party claim, if there was, then that must be disclosed as well.

    What is the Current Declined list of countries to which travel insurance coverage is not extended?

It depends on the package of your Travel Insurance. There are several types of packages such as worldwide, worldwide except America, Schengen countries, Asia, Asia excluding Japan and Korea, etc. The list of countries will be stated in which the insurance will cover the loss and also the countries which will not get covered under any loss.

    Will I be covered for any expenses incurred due to the treatment of COVID-19?

Yes, you will be covered for the expenses incurred due to the treatment of COVID-19 but not the expenses of isolation and quarantine by the Travel Insurance. This claim will be granted under certain conditions one of which is the time frame. 

    If I'm diagnosed with COVID-19, could I be covered for trip cancellation?

Yes, if you are diagnosed with COVID-19 within the 14 days of travel then you can get the trip cancellation coverage. Although this completely depends upon the insurer and the travel insurance one has purchased.

    How can travel insurance help people travelling through parts of the world with a heightened risk?

Travel Insurance helps people travelling through parts of the world with several plans. These plans provide coverage while travelling to different parts of the world but the amount of premium is high in comparison to other countries. 

    If I’m being advised to quarantine; are any of my accommodations or re-booking expenses covered?

No, the isolation and quarantine expenses are not covered by any insurer of the Travel insurance policy. The expenses of accommodation will be paid by you. The re-booking amount, however, may or may not be covered by several insurers.

    Is the COVID-19 cover applicable across all countries?

Yes, the COVID-19 cover is applicable across all countries. Moreover, COVID-19 Health Insurance is provided to pay for the treatment of the illness and other expenses as well which does not cost more. The Travel Insurance Policy may or may not provide the benefit all alone.

    What would be the documents required to file a claim for COVID-19?

To get the claim, one must provide documents such as identity documents, passport, copy of the report in which it was declared positive for COVID-19, hospitalization prescription letter by the doctor, insurance documents, etc. These are the necessary documents that are required to file a claim for COVID-19.

    Are there any general exclusions to the Coronavirus cover?

Yes, there are general exclusions to coronavirus cover. These general exclusions include home quarantine, non-recognizable quarantine centre, hospitalization without Doctor's recommendation, etc.

    Can I still extend my policy if I have contracted COVID-19? I want to get an extension as I'm stuck overseas - How do I do this?

Yes, you can extend your policy if you are contracted COVID-19. You have to download and fill the extension form, for the reason one has to disclose their condition. The insurer has to be informed when you get contracted immediately. 

    Are there any restrictions/guidelines on domestic travel insurance coverage for Coronavirus?

The conditions set forth due to coronavirus for international and domestic travel are similar. You are not eligible to secure any sort of coverage if your report is positive before travelling. 

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