Frequently Asked Questions
Here are answers to some of the most commonly asked questions about travel insurance.If you have any additional enquiries, please contact us at: firstname.lastname@example.org
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 if any additional cover options are required.
To find out how much a policy costs:
• Click "Get A Quote"
• Choose the policy type (single trip, annual multi-trip, backpacker, business, or winter sports)
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
How can I buy a policy?
You can buy a policy online using one of these four credit cards: Visa, Mastercard, American Express or Laser. Follow the process outlined above and if you are happy with the cover and price continue to the payment screen where you can enter your card details.
If you would prefer to purchase a policy by phone, give us a call on 028 90 828 828 (Monday to Friday, 9am - 5pm)
How do I know that buying my policy online is secure?
Allianz Global Assistance uses a secure payment gateway that makes the credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, simply get approval or decline from the banking institution. Once authorised, it's instant travel insurance cover - your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes to print as required. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal. More information on this can be found atwww.thawte.combut you can be assured that your transaction is at least as safe as any other normal off-line credit card transaction.
What if I change my mind about buying the policy?
If your cover does not meet your requirements, please notify us within 14 days of receiving your documents for a refund of your premium. Contact us by telephone:028 90 828 828, or email: email@example.com
If during this 14 day period you have travelled, made a claim or intend to make a claim, then we can recover all costs that you have used for those services.
Please note that your cancellation rights are no longer valid after this initial 14 day period.
Can I buy Allianz travel insurance if I am not a resident of Northern Ireland?
No, you are only covered if your main home and your doctor are registered within Northern Ireland and you have not spent more than six months abroad in the last 12 months.
Does it matter who I book my travel arrangements through?
No, Allianz travel insurance may be purchased independently.
Does Allianz offer an Annual multi-trip policy?
Yes, as well as policies for single trips of up to 180 days we also offer annual multi-trip cover. The annual multi-trip policy provides cover for any number of trips throughout the policy year as long as no one trip within this period exceeds the specified individual trip limit. When you purchase an annual multi-trip policy you are offered the choice of a 35, 60 or 90 day individual trip limit. Cover within Ireland / UK is also included although certain terms apply (see policy document for full details).
Is there an age limit on the Allianz travel insurance policy?
There is no maximum age for our single trip policy. For our annual multi-trip policy the maximum age is 64 at the date of issue and for the backpacker policy the maximum age is 35 at the date of issue.
What can I do if I am older than the maximum age limit for the annual multi-trip or backpacker policy?
You are able to purchase one of our Single Trip polices which has no age limit.
When does cover begin and end?
For single trip and backpacker cover
Cancellation cover begins from the date your policy was issued, which is shown on the e-mail confirmation that was sent to you when you purchased the policy.
All other aspects of the cover are effective from the start date of your trip and finish when you return back to the UK or the expiry date of the policy.
For annual multi-trip cover
Cancellation cover begins on the start date of your policy, which is shown on the e-mail confirmation that was sent to you when you purchased the policy or the date you booked your trip, whichever is the later and finishes at the end of your trip.
Under all policies
Cover ends on the expiry date of your policy, which is shown on the e-mail confirmation that was sent to you when you purchased the policy, unless you cannot finish your trip as planned due to injury, illness or delays to public transport systems.
What is the maximum trip length?
- Single trip cover can be purchased for trips up to 180 days.
- Annual multi-trip policy covers you for multiple trips during the year but no one trip within this period exceeds the specified individual trip limit. When you purchase an annual multi-trip policy you are offered the choice of a 35, 60 or 90 day maximum individual trip limit.
- Backpacker cover can be purchased for trips up to 180 days.
If I return home early do I get a refund?
Are there any exclusions in the policy?
Yes. Some exclusions and conditions are specific to individual sections and general exclusions and conditions apply to the policy overall. There is also a health declaration with health exclusions that apply to the emergency medical expenses, cancellation, curtailment and personal accident sections of cover. Please read the policy wording carefully to ensure the cover meets your needs.
Am I covered for any existing medical conditions?
Existing medical conditions are not covered unless they have been declared and accepted in writing by the insurer.
You will not be covered for any directly or indirectly related claims arising from the following if in the 12 months before taking out this insurance or booking your trip (whichever is later), you:
a) have been prescribed medication;
b) have received treatment or attended a medical practitioner for any medical condition;
c) have attended a hospital or a clinic as an out-patient or in-patient;
d) have been referred for tests, investigations, treatment, surgery or are awaiting results.
e) have been diagnosed as having a terminal illness.
You have declared any existing medical conditions to the insurer and they have confirmed cover in writing.
Pleaseread the full Health declaration and health exclusions detailed in the policy wording.
- Health Declaration (26 Kb)
What do I do if I want to check whether my existing medical condition can be covered?
Our confidential medical screening service can be contacted on 0845 641 9701 or visit www.azgahealthscreen.co.uk
Am I covered for skiing or other sport and leisure activities?
You will need to purchase our optional winter sports cover if you are planning a skiing, snowboarding or other winter sports activity. Allianz travel insurance covers many adventurous activities. Please refer to the definition of 'Hazardous activity' within the policy document and click on the link below to see what sport and leisure activities are covered under the policy.If in doubt, please give us a call on 028 90 828 828 or email: firstname.lastname@example.org.
- Hazardous Activities (17 Kb)
Am I covered for loss of cash?
Most of our policies include cover for personal money and have a sub-limit for the amount of cover for cash. There is a summary of cover provided during the quote process and also in the policy wording.
Am I covered if I am pregnant?
• Your doctor confirms you were not travelling against medical advice and were fit to travel and able to undertake the planned trip
• You complied with the transport provider's conditions of carriage relating to pregnancy
You will also be covered for cancellation if you are advised not to travel due to your pregnancy or where you cannot comply with the transport provider’s conditions of carriage
I have a European Health Insurance Card, wont that cover me?
It is important to have both an EHIC and travel insurance. If you use your EHIC you will not have to pay the policy excess.
Remember: Few European Union (EU) countries will pay the full cost of all medical treatment, even under the EU’s healthcare arrangements, and the EHIC doesn’t cover private medical treatment. In a medical emergency the closest hospital or the hospital you are taken to may be private.
The cost of medical treatment abroad varies considerably from country to country. While countries in European Union may offer customers treatment in state or public hospitals in other countries the healthcare system is mainly in private hospitals (particularly in the USA and Canada). Medical costs in the USA (particularly California, Florida, Arizona and New York), Canada, Mexico, Dominican Republic, Hong Kong, Singapore and Dubai can be very expensive.
How do I get my insurance documents?
Allianz travel insurance is all online, so we do not send any policy documents in the post. When you buy a policy, we will send you an email confirming the cover you have purchased and policy documents for you to download, print and save.
Can I purchase a policy if I have already started my journey?
No, you cannot purchase a policy if you have already left on your travels.
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?
Our medical emergency team is available 24 hours a day to assist you. Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or may have to return home early or extend your stay. +44 (0)20 8666 9370 or email: email@example.com.
Who do I contact to make a claim?
How am I ever going to remember all these different contact numbers?
We have made this easy for you. All the relevant contact numbers are summarised on the back page of your policy document.