Allianz
Allianz Travel is a travel insurance for the DE market with online purchase and 24/7 assistance.
Direct payment
For inpatient hospital treatment, Allianz can issue a direct payment guarantee or advance payment to the hospital so that the insured does not need to pay upfront. For outpatient treatments, costs are generally paid upfront by the insured and then reimbursed.
Geographic scope
DE
Welt inkl. USA / Kanada
Starting from
€25
Unique selling points
- Unlimited medical and dental emergency treatment coverage abroad with no deductible on the health component.
- Worldwide 24-hour emergency hotline (+49 89 624 24-245) with medical interpreter service included at no extra cost.
- Allianz can issue direct payment guarantees or advance payments to foreign hospitals, eliminating out-of-pocket upfront costs for inpatient treatment.
- All sports types covered abroad including skiing and snowboarding without additional premium, subject only to standard extreme-activity exclusions.
- Rated 'Sehr Gut' (1.5) by Stiftung Warentest Finanztest (05/2024) for annual travel medical insurance for individuals.
Coverage limits
Medical and dental emergency treatment costs
Covered
Unlimited coverage for medically necessary emergency treatment costs (medical and dental) incurred abroad during the trip. Covers sudden unexpected illness, dental injury, inflammation, lost filling, or broken tooth. Also covers COVID-19 and other epidemic/pandemic illnesses.
SourceEmergency medical treatment
Covered
Unlimited coverage for medically necessary emergency treatment by a doctor, dentist, or in a hospital abroad. Treatment must be medically necessary; elective, cosmetic, or routine treatments are excluded. Covers epidemic/pandemic illnesses including COVID-19.
SourceInpatient hospitalization
Covered
Unlimited coverage for inpatient hospital treatment required during travel abroad. Allianz can issue a direct payment guarantee or advance payment to the hospital. Premature births before end of 36th week of pregnancy are also fully covered.
SourceOutpatient medical treatment
Covered
Unlimited coverage for medically necessary outpatient emergency treatment by a doctor or dentist abroad, including prescribed medicines. Elective, cosmetic, routine checkups, physiotherapy, rehabilitation, and palliative care (except for stabilization) are excluded.
SourceEmergency dental treatment
Covered
Unlimited coverage for emergency dental treatment abroad due to dental injury, inflammation, lost filling, or broken tooth. Dental prosthetics and crowns are not covered; only emergency provisional dental treatment is covered as a simple immediate measure.
SourceEmergency transport to nearest suitable medical facility
Covered
Unlimited coverage for emergency transport from the site of emergency to the nearest suitable doctor or medical facility. If local facilities are deemed inadequate, Allianz's medical service locates a suitable hospital nearby and organizes and pays for transport. A medical escort is organized if deemed necessary.
SourceMedical repatriation (Kranken-Rücktransport)
Covered
Unlimited coverage for medically justified and appropriate repatriation (Kranken-Rücktransport) to the insured's home country after being medically stabilized, as confirmed by Allianz's medical service in agreement with the treating physician. Transport is organized and paid by Allianz, at same or equivalent travel class as originally booked (higher class if medically required). A medical escort is arranged if necessary.
SourceRepatriation of mortal remains
Covered
Allianz organizes and covers the reasonable and necessary costs of repatriating mortal remains to a funeral home near the insured's main residence or in the country of residence. If a family member decides on local burial or cremation, costs are reimbursed up to the amount that would have been incurred for repatriation to the home country.
SourceSearch, rescue, and recovery costs
Covered
Coverage up to EUR 10,000 per person per claim for costs of search, rescue, and recovery operations by a professional rescue team if the insured is reported missing or must be rescued from a dangerous situation during travel.
SourceCOVID-19 treatment
Covered
Treatment costs for COVID-19 and other epidemic or pandemic illnesses abroad are covered under the travel medical insurance, including emergency treatment, hospitalization, and medical repatriation.
SourcePre-existing conditions
Excluded
Pre-existing conditions (illnesses or health complaints existing before insurance inception or travel booking, for which treatment was required or foreseeable) are generally not covered under the travel medical insurance. Claims arising from such conditions will not be reimbursed.
SourceWinter sports coverage
Covered
Medical treatment costs arising from winter sports (e.g., skiing, snowboarding) abroad are covered under the travel medical insurance, provided the activity is not in an area declared unsafe by the ski resort operator and proper protective equipment is worn.
SourceAdventure sports coverage
Conditional
Medical treatment costs from adventure sports abroad are covered provided: the activity is booked together with the trip, the activity provider is licensed (if required), the activity is not prohibited by law, and the insured wears recommended protective equipment. Excluded: activities above 4,500m altitude, extreme whitewater, heli-skiing in unsafe areas, combat sports, motorized racing, deep freediving/scuba beyond limits, and similar extreme activities.
SourcePregnancy complications and premature birth
Conditional
Complications of pregnancy and premature births before the end of the 36th week of pregnancy occurring abroad during travel are covered under the travel medical insurance. Normal, uncomplicated pregnancies and births are not covered.
SourcePersonal liability (not included in 1Plus)
Excluded
Personal liability / travel liability insurance is not included in the Jahres-Reiseschutz 1Plus product. It is available in higher-tier products such as the Premium-Paket.
SourceLegal assistance (Reise-Assistance)
Covered
As part of the Reise-Assistance service, Allianz helps procure a lawyer and interpreter if the insured is arrested or threatened with arrest abroad, and informs of the nearest consulate. This is a service benefit without cost coverage.
Source24/7 emergency assistance
Covered
24-hour worldwide emergency service included, reachable at +49 89 624 24-245. Services include: pre-travel safety and health information, doctor/hospital referral (German/English speaking), hospital liaison, medical interpreter service, support for lost documents, emergency money transfer, legal assistance and consulate information, and emergency message relay.
SourceKey conditions
Assistance call deadline
For inpatient hospital treatment, repatriation, or hospital visitor travel, the insured must contact Allianz in advance and all arrangements must be made in advance. If transport is not pre-approved and organized by Allianz, reimbursement is limited to the amount Allianz would have paid if it had organized the transport. For self-organized emergency transports, no support can be provided.
Unauthorized treatment
If the insured organizes emergency transport or repatriation without prior approval by Allianz, reimbursement is limited to the amount Allianz would have paid had it organized the transport itself. Violation of this obligation (Obliegenheit) may result in reduction or refusal of benefits depending on the degree of fault.
Purchase while abroad
It is not possible to take out the travel medical insurance retroactively while already abroad or after travel has commenced. The insurance must be purchased before the trip begins. For the travel medical and other non-cancellation covers, purchase is possible up to the day of departure.
Chronic conditions
Chronic diseases that were being actively treated before the insurance commenced are classified as pre-existing conditions and are not covered. Regular check-ups for monitoring or prevention are not considered treatment. Emergency medical treatment required during travel for conditions not related to chronic pre-existing conditions remains covered.
Pregnancy
Normal uncomplicated pregnancies and births are not covered. Premature births occurring before the end of the 36th week of pregnancy during a trip abroad are fully covered under the travel medical insurance. Pregnancy complications that require emergency treatment are also covered.
pre_existing_conditions
Pre-existing conditions are illnesses or health complaints that existed before insurance inception or travel booking, for which treatment was required or reasonably foreseeable. They are generally excluded from all coverage under this policy. Only unexpected, sudden illness arising for the first time after policy inception (or travel booking for annual policies) is covered.
coverage_duration_limit
For the annual Jahres-Reiseschutz, each individual trip is covered for a maximum of 56 days (from departure to return). If a single trip exceeds 56 days, coverage only applies for the first 56 days. An exception applies if the return trip is delayed due to a covered event, in which case coverage is extended until the insured is able to return or reaches a medical facility.
Where to buy
Documents
Policy specifics
No deductible (self-employed coverage)
Travel medical insurance offered without deductible
Telemedicine access
Access to outpatient medical treatment including telemedicine without upfront payment requirement
Sports and adventure activities coverage
Coverage includes all sports types including skiing, snowboarding, and surfing without specific exclusion
Pre-trip enrollment requirement
Travel medical insurance must be purchased before trip commences; no retroactive coverage during travel
Dental prosthetics exclusion
Dental prosthetics and crowns not covered; exception for emergency provisional dental treatment
Maximum trip duration
Annual travel insurance (Jahresreiseschutz) covers maximum 56 days per trip; single trip can cover up to 365 days
Pre-existing condition limitation
Claims arising from pre-existing conditions generally not covered unless policy explicitly includes such coverage