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Allianz is best known for those who have existing car loans. But for the rest of us BMW consumers (bus, MRT, walking), there aren’t too many reasons to worry about this insurance company.
But Allianz really does have travel insurance, which we will all want at some point, unless we plan to stay stuck on this island forever. Let’s see how effective your plan is to save other people from the holiday crisis.
Allianz Travel Insurance: Summary
Allianz travel insurance coverage
Allianz Covid-19 Travel Insurance
Allianz Sports Outdoor Travel & Adventure Insurance
Allianz Insurance Promotion
Allianz Travel Insurance Claims Review
Do I want to take out Allianz insurance?
Allianz insurance is called without imagination Allianz Travel. It is presented in 3 levels:
Allianz Voyage Bronze
Silver Voyages of Allianz
Allianz Travel Platinum
Depending on the duration and number of other people traveling, you can choose from those 3 types of packages:
Unique – Up to 180 days
Multiple annual trips: unlimited up to 90 days each
Family – It covers you, as well as dependent children and/or members of the circle of relatives traveling together, to have an annual relationship of singles and multiples.
The insurance plan is truly underwritten through Tokio Marine. Allianz only provides all outlying facilities, such as visitors service and claims management.
total premium
12% on total premiumS$76
MoneySmart Exclusivity
Covers Covid-19 | Better coverage
Silver Voyages of Allianz
Medicine. Coverage (abroad)
Trip cancellation
Loss/Damage to Baggage
Total PremiumTotal Premium$7612% off
MoneySmart Exclusive:
【Faster Money Redemption】 Get $10 S PayNow within a month with Allianz Travel!Terms and situations apply. Plus, enjoy a 12% discount on all policies!
Valid until August 31, 2022
Apply now
More details
Key features
Packages start from $28
All plans will offer unlimited emergency transportation (includes Covid-19 coverage)
Allianz travel insurance will cover you against medical expenses, cancellations and interruptions due to COVID-19, or in case you are affected by any other pandemic or outbreak, when you are diagnosed with the disease
24/7 medical assistance – helps you set up things like reliable medical experience, appointments, and direct bills (to decided medical providers)
Frequent flyers: Get unlimited policy with annual plans (up to 90 days duration for each trip).
The Family Plan covers you and your circle of family members who accompany you on your journey. Policyholders would possibly come with a maximum of two adults, who don’t necessarily have to be relatives. Policyholders would possibly also come with ANY number of dependents of the two designated adults. Please note that ALL insured persons, adding dependents, must be named on the Certificate of Insurance.
See all details
Here’s what you get when you purchase insurance from Allianz. All quotes are pre-discounted and based on a one-week trip.
Allianz Travel Insurance
Bronze
Money
Platinum
Price (ASEAN)
$49
$76
$115
Price (Asia)
$64
$113
$158
Awards (worldwide)
$112
$177
$241
Doctor abroad
$200,000
$500,000
$1,000,000
Emergency evacuation
Limitless
Limitless
Limitless
Individual turn of fate (death, PDT)
–
$100,000
$200,000
Travel retention (reimbursement of expenses, 6-hour retention)
–
$1,500
$2,000
Trip cancellation
$5,000
$10,000
$15,000
Baggage delay
$500
$1,000
$1,400
Loss/Damage to Baggage (Refund of Fees, Minimum Delay of 6 Hours)
$3,000
$5,000
$7,000
Outdoor Adventure
No
No
No
COVID-19
Yes
Yes
Yes
If you’ve looked at other insurance plans, you’ve probably noticed that the top-tier plans (Silver and Platinum) are pretty average compared to the top-tier plans of other insurers.
To cite a few examples of comparisons, AMEX’s 3 insurance plans offer $500,000, $1,000,000, and $2,000,000 in overseas medical coverage, respectively. Meanwhile, Tokyo Marine Travel Insurance’s two degrees of insurance offer $300,000 and $500,000 in overseas medical coverage.
The value of Allianz’s plan is high. Since they don’t even offer you canopy for adventure activities, this may not be the most cost-effective plan.
total premium
total premium
Tokyo Marine XPLORA Classic
Medicine. Coverage (abroad)
Trip cancellation
Loss/Damage to Baggage
total premium
Read more
More details
Key features
Cover for golf appliances
Rental deductible waiver
Home Care
Quarantine Benefit
Credit Card Fraud
See all details
Allianz Travel Insurance provides Covid-19 coverage, as follows
Allianz Travel Insurance Covid Coverage
Bronze
Money
Platinum
Doctor abroad
$200,000
$500,000
$1,000,000
Emergency evacuation
Limitless
Limitless
Limitless
Repatriation
Limitless
Limitless
Limitless
Monetary benefit for hospitalization
–
–
–
Quarantine Money Benefit
–
–
–
Trip cancellation
$5,000
$10,000
$15,000
The plan is beneficial in the sense that its claims limits for Covid-related medical and evacuation policy are no lower than those for non-Covid related claims.
But they are not offering monetary benefits for hospitalization or quarantine, which is offered through other insurance corporations such as Singlife with Aviva insurance and AMEX insurance.
total premium
18% off overall premium$59. 92
Online Promotion
Covers Covid-19
Singlife Travel Plus
Medicine. Coverage (abroad)
Trip cancellation
Loss/Damage to Baggage
Total PremiumTotal Premium$59. 9218% off
Online Promotion:
Get 18% off singles plans with Singlife with TRAVEL18!
Valid until August 31, 2022
Apply now
More details
See all details
Adrenaline junkies take note of the sports and adventure activities contemplated in the plan:
Outdoor Adventure
Allianz Travel Insurance
Balloon
No
Scuba
Yes, at an intensity greater than 20 meters or without Dive Master
Skiing, snow sports
Yes, marked trails outdoors or in spaces available via helicopter
Mountain hiking
Yes
Mountaineering, climbing
No
Marathons, competitions
No
Jet skiing
Yes
whitewater rafting
Yes
Parachuting
No
Paragliding, unpowered flight, paragliding
No
bungee jumping
No
Helicopter ride
No
As you can see, the plan excludes a lot of adventure activities, adding all the high altitude activities like helicopter rides and hot air balloons. It is more suitable for travelers whose concept of an exciting afternoon comes to buy groceries in shopping malls or museums.
Fortunately, Allianz is running an ongoing insurance promotion.
Until October 3, 2022, they will offer a 12% discount on all insurance plans with promo code 12.
You can file your insurance claims online here.
If you are traveling and want help, you can call allianz Travel Insurance’s 24-hour emergency line at 65 327 2215.
Some critics complained that Allianz’s claims procedure was demanding. To prevent your application from being rejected, it is very important that you call your hotline for an explanation about the documents you want to submit.
Allianz’s insurance plan is pretty basic.
Coverage limits are fairly average compared to the competition, however, the plan is quite stingy as it does not cover outdoor activities and does not provide compensation for inpatients. It would be great if it were an economic plan, but it is quite expensive.
The verdict? The cash price presented through this plan is excellent.
Buy insurance? Here are the most productive insurance plans in Singapore.
The publication Review of Allianz Travel Insurance Singapore: Covid-19 Coverage (2022) gave the first impression on the MoneySmart blog.
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The publication Allianz Travel Insurance Singapore Review: Covid-19 Coverage (2022) gave the first impression in MoneySmart. sg.
Original article: Allianz Travel Insurance Singapore Review: Covid-19 Coverage (2022).
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