Allianz Direct Versicherungs-AG, French Branch (trading as Luko by Allianz Direct; formerly Luko SAS)
Luko by Allianz Direct
Luko by Allianz Direct is a travel insurance for the France market with online purchase and 24/7 assistance.
Direct payment
The premium must be paid on the day the contract is taken out, by any payment method offered on the insurer's website (www.allianz-voyage.fr)
Geographic scope
Worldwide coverage in the country/countries of stay declared in the Special Conditions, in more than 150 countries, excluding the insurer's published list of non-covered countries
Covers the country/countries of stay stated in the Special Conditions, excluding countries on the insurer's non-covered list (published at paysexclus.votreassistance.fr)
Unique selling points
- Includes a deductible buy-back guarantee ('Garantie Rachat de Franchise') by default, removing out-of-pocket excess on claims.
- 300,000 € emergency medical expenses cover abroad with no deductible.
- Trip cancellation cover up to 8,000 € per person is bundled in by default, whereas it is a paid option on single-trip plans.
- Up to 10 free teleconsultations per insured with French-speaking doctors, available 24/7.
- Backed by over 70 years of expertise in medical repatriation and travel assistance.
Coverage limits
Emergency medical expenses abroad
€300,000
Reimbursement of emergency medical expenses abroad up to 300,000 € per insured, including a 300 € sub-limit for emergency dental care
Emergency medical treatment abroad
€300,000
Core included benefit; emergency medical treatment abroad covered up to 300,000 € per insured
Hospitalization abroad
No limit stated
No specific hospitalization sub-limit stated separately from the overall medical expenses cap in the reviewed documents
Outpatient treatment
Not established from the reviewed documents
Not separately itemized in the IPID or product page
Emergency dental care
€300
Sub-limit of 300 € within the 300,000 € emergency medical expenses guarantee, for emergency dental care
Medical transport / bedside visit / dependents' return
Covered
Included medical assistance covering bedside visit transport and return of dependents; no monetary cap stated in the IPID
Emergency evacuation and medical repatriation
Covered
Emergency evacuation and/or medical repatriation included as a systematic guarantee; no monetary cap stated in the IPID
Assistance in case of death
Covered
Assistance in case of death is included as a systematic guarantee; no separate monetary cap stated
COVID-19 / epidemic and pandemic consequences
Covered
The Multi-Voyages contract covers the consequences of epidemics and pandemics, including COVID-19, notably for medical repatriation; no separate monetary cap identified beyond the general medical expenses guarantee
Pre-existing conditions
Not established from the reviewed documents
Not explicitly addressed as a specific guarantee or exclusion in the reviewed documents
Sports guarantee (winter sports practice)
Covered
The 'Garantie Sport' is included automatically in the annual Multi-Voyages contract, allowing sports practice (including winter sports) without needing to add an option; no specific monetary cap for medical costs tied to sport is stated beyond the general medical expenses guarantee
Sports equipment damage / missed activity
€500
Included via the 'Garantie Sport' bundled in the annual plan: reimbursement of costs for a missed prepaid activity up to 500 €, and repair/replacement of lost, damaged or stolen sports equipment up to 500 €
Pregnancy complications
Not established from the reviewed documents
Not mentioned as a specific guarantee in the reviewed documents
Personal liability abroad
€4,500,000
All combined bodily, material and consequential immaterial damages covered up to 4,500,000 €, including a 450,000 € sub-limit for material and consequential immaterial damages
Legal assistance
Not established from the reviewed documents
Not listed as a guarantee in the reviewed documents
24/7 assistance and teleconsultation
Covered
Includes up to 10 teleconsultations per insured with French-speaking doctors, plus a 24/7 emergency assistance phone line
Key conditions
Assistance call deadline
Expenses incurred without prior agreement from the insurer's assistance service are not covered; treatment costs not resulting from a medical emergency are excluded
Unauthorized treatment
Claims for costs incurred without prior approval from the assistance service will not be reimbursed
Purchase while abroad
The policyholder must have their primary residence in France (including Corsica and French overseas territories, or Monaco); the policy can be purchased up to the day before departure
Chronic conditions
Not explicitly named; treatment costs not resulting from a medical emergency are excluded, which may affect ongoing chronic care
Pregnancy
Not explicitly addressed as a specific guarantee in the reviewed policy documents
Pre-existing condition exclusions
Not explicitly addressed as a specific guarantee or exclusion in the reviewed policy documents
Coverage duration limit
Each trip must be less than 61 consecutive days; trips exceeding 60 consecutive days are excluded, though the annual contract itself covers an unlimited number of such trips over 12 months
Where to buy
Documents
Insurance Product Information Document - Annual Multi-Trip Insurance
IPID
Policy specifics
Flight cancellation coverage
Reimbursement of travel expenses (flights, hotels, activities) up to 8,000 EUR per person in case of cancellation for legitimate reasons
SourceEmergency medical expenses abroad
Coverage for emergency medical costs and hospitalization abroad up to 300,000 EUR without deductible
SourceBaggage loss and delay coverage
Reimbursement for lost, stolen or delayed baggage; essential necessities reimbursement if baggage is delayed
SourceSubscription deadline
Insurance can be purchased up to the day before departure to benefit from all coverages
Source