Extracted from source documents

Allianz Direct Travel insurance (Auslandskrankenversicherung Einzelreise)

Underwritten by Allianz Direct Versicherungs-AG · Germany

travel insurance from Allianz Direct for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 27, 2026 · Terms dated 2023-07Sources

Online purchase24/7 helpline

Unique selling points

A worldwide 24/7 medical assistance service organizes and pays for medically necessary repatriation transport home.

Rated among the top-scoring providers ('sehr gut') in a FOCUS Money comparison of 29 German travel insurers.

Policyholders can register free of charge for the allyz Plus membership, adding trip planning, a doctor chat, and a digital document vault.

Babies born prematurely before the 36th week of pregnancy during the trip receive full medical benefit, beyond the usual pregnancy exclusions.

Choice of single-trip or annual multi-trip cover across three selectable tiers (Direct, Direct Plus, Direct Premium).

Coverage limits

Covered

Medical expenses abroad

Covered

Covers reasonable and customary costs of medically necessary emergency medical and dental treatment abroad, including prescribed medicines, up to the benefit limit agreed in the individual policy schedule (Versicherungsschein); no fixed euro amount is stated in the general terms. Excludes costs in the country of the insured's permanent residence or a country where they stayed over 3 months/year in the last 3 years.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Wir erstatten Ihnen die Kosten der medizinischen und zahnmedizinischen Notfallbehandlung. Diese müssen angemessen und üblich sein.

Covered

Emergency medical treatment

Covered

Sudden, unexpected illness or injury abroad, including diagnosis of an epidemic/pandemic disease such as COVID-19, is covered; the treating provider must be a licensed doctor, dentist or hospital. No separate fixed sub-limit is stated; the sum insured is set in the policy schedule.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Während Ihrer Reise ins Ausland erkranken Sie plötzlich und unerwartet. Dies gilt auch für die Diagnose einer epidemisch oder pandemisch auftretenden Krankheit wie COVID-19.

Covered

Inpatient hospitalization

Covered

Covers medically necessary inpatient treatment; Allianz Direct can issue a cost-guarantee letter or make an advance payment to the hospital. No fixed sub-limit stated in the general terms.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Sie müssen stationär in ein Krankenhaus aufgenommen werden. Es gilt das Folgende: Wir können eine Kostenübernahmeerklärung abgeben. Oder: Sofern das Krankenhaus zustimmt, machen wir eine Vorauszahlung.

Covered

Outpatient treatment

Covered

Outpatient doctor visits and treatment for sudden illness/injury abroad are covered as part of the emergency medical treatment benefit; no separate fixed cap stated.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Während Ihrer Reise ins Ausland erkranken Sie plötzlich und unerwartet. Dies gilt auch für die Diagnose einer epidemisch oder pandemisch auftretenden Krankheit wie COVID-19.

Covered

Emergency dental treatment

Covered

Covers dental injury, inflammation, lost filling or broken tooth requiring dental treatment during the trip abroad; part of the overall medical benefit, no separate fixed sub-limit stated.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Während Ihrer Reise ins Ausland haben Sie eine Zahnverletzung oder -entzündung. Oder Sie verlieren eine Füllung. Oder ein Zahn bricht ab. Eine zahnärztliche Behandlung ist notwendig.

Covered

Emergency medical transport

Covered

Covers transport from the place of the emergency to the nearest suitable doctor or medical facility if local facilities are not adequate, including an organized and paid medical escort where necessary; must be arranged in advance via Allianz Direct's medical service, otherwise reimbursement is capped at what the insurer would have paid.

Page 25/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport > Notfalltransport zur nächsten geeigneten medizinischen Einrichtung

Wir suchen ein geeignetes verfügbares Krankenhaus in Ihrer Nähe. Oder: Wir suchen eine andere geeignete verfügbare Einrichtung. Wir organisieren und bezahlen Ihren Transport dorthin.

Covered

Medical repatriation

Covered

If medically sensible and the insured is stable enough, Allianz Direct organizes and pays for repatriation transport home (or to another facility/location in the country of residence chosen by the insured), including a medical escort if required. Must be arranged via Allianz Direct in advance; no fixed euro cap is stated.

Page 25/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport > Kranken-Rücktransport

Unser medizinischer Dienst bestätigt, dass Sie gesundheitlich stabil genug für einen Kranken-Rücktransport sind. Dies geschieht in Übereinstimmung mit dem behandelnden Arzt.

Covered

Repatriation of mortal remains

Covered

Allianz Direct organizes and pays the reasonable and necessary costs of transporting the insured's remains to a funeral home near their permanent residence or elsewhere in their home country. If a family member instead chooses local burial/cremation, costs are reimbursed up to the amount repatriation would have cost. No fixed euro cap is stated.

Page 27/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport > Kosten der Überführung

Wir organisieren die Überführung Ihrer sterblichen Überreste. Wir tragen dafür die angemessenen und notwendigen Kosten.

Covered

Search, rescue and recovery costs

Covered

Reimburses costs for search, rescue and recovery operations by a professional rescue team up to 10,000 EUR under the Reise-Kranken-Versicherung. If the optional Sport & Aktiv-Versicherung is also taken out, an additional up to 5,000 EUR applies, on top of (not instead of) the base benefit, per the T&C.

Page 28/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport > Such-, Rettungs- und Bergungskosten

Wir übernehmen die Kosten für Such-, Rettungs- und Bergungsaktionen durch ein professionelles Rettungsteam. Wir erstatten die Kosten für diese Dienste bis zur maximalen Versicherungsleistung.

Covered

COVID-19 / epidemic disease treatment

Covered

Diagnosis of an epidemic or pandemic disease such as COVID-19 during the trip is explicitly treated the same as any other sudden unexpected illness and is covered under the medical expenses benefit; no separate sub-limit.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Während Ihrer Reise ins Ausland erkranken Sie plötzlich und unerwartet. Dies gilt auch für die Diagnose einer epidemisch oder pandemisch auftretenden Krankheit wie COVID-19.

Excluded

Pre-existing conditions

Excluded

Pre-existing illnesses or health conditions that existed before the policy was taken out or the trip was booked, and for which treatment was known or foreseeable, are explicitly excluded from cover under the Reise-Kranken-Versicherung.

Page 08/43

Section: Definitionen

Vorerkrankungen sind Erkrankungen oder gesundheitliche Beschwerden, die schon vor dem Abschluss der Versicherung bzw. der Buchung der Reise bestanden. Sie wussten oder mussten damit rechnen, dass Behandlungen erforderlich werden. Vorerkrankungen sind nicht versichert.

Optional · Sport & Aktiv-Versicherung (optional)

Winter sports cover

€500

Available only with the optional Sport & Aktiv-Versicherung add-on; reimburses non-recoverable outlay (up to 500 EUR per person) if, e.g., the ski resort closes at least 75% of its lifts due to snow shortage/excess. Skiing/snowboarding off marked pistes or reachable only by helicopter is otherwise excluded from the base product.

Page 33/43

Section: I. Sport & Aktiv-Versicherung > Verpasste Aktivität

Ihr Skigebiet sperrt mindestens 75 % seiner Skilifte. Grund dafür ist Schneemangel oder Schneeüberschuss.

Conditional

Adventure/risky sports cover

Conditional

Medical treatment for injuries during moderately risky sports/activities is covered if the activity was booked with the trip, the provider is licensed where required, and the activity is legal; protective equipment must be worn. Certain high-risk activities (e.g. BASE jumping, free climbing, deep diving beyond stated depths, motor racing) remain excluded even with the optional Sport & Aktiv-Versicherung.

Page 36/43

Section: Allgemeine Ausschlüsse

Sie sind verpflichtet, bei der Ausübung Ihrer sportlichen Aktivitäten die empfohlene Schutzausrüstung zu tragen. Nur dann sind Sie versichert.

Conditional

Pregnancy complications / premature birth

Conditional

Children born prematurely before the end of the 36th week of pregnancy during a covered trip abroad are entitled to full medical cover. Normal, complication-free pregnancy and childbirth are otherwise explicitly excluded from the medical benefit.

Page 23/43

Section: F. Reise-Kranken-Versicherung inkl. Kranken-Rücktransport

Ihre Kinder, die vor dem Ende der 36. Schwangerschaftswoche während Ihrer Auslandsreise zu früh geboren werden, haben Anspruch auf vollen Versicherungsschutz in der Reise-Kranken-Versicherung.

Conditional

Personal (travel) liability

€500K

Covers claims by third parties for bodily injury or property damage caused by the insured during the trip, up to 500,000 EUR per person; included only in the Direct Premium tier.

Page 28/43

Section: G. Reise-Haftpflicht-Versicherung

Wir bieten Versicherungsschutz bei Haftpflichtrisiken des täglichen Lebens bis zu der in Ihrem Versicherungsschein hierfür angegebenen maximalen Versicherungsleistung.

Covered

Legal assistance / authority contact

Covered

As part of the always-included Reise-Assistance service, Allianz Direct helps arrange a lawyer and interpreter if the insured is arrested or threatened with detention, and provides consulate contact details. This is a service benefit, not a monetary sum insured.

Page 35/43

Section: J. Reise-Assistance > Rechtlicher Beistand und Kontakt zu Behörden

Sie wurden verhaftet oder werden mit Haft bedroht. Wir helfen Ihnen bei der Beschaffung eines Anwaltes und eines Dolmetschers. Wir informieren Sie über das nächste Konsulat (Adresse und telefonische Erreichbarkeit).

Covered

24/7 travel assistance

Covered

A worldwide 24-hour emergency service providing pre-trip information, help finding doctors/facilities, hospital liaison, medical interpreting, help replacing lost travel documents, emergency money transfer support, and message relay, included in every package variant.

Page 34/43

Section: J. Reise-Assistance

Wir stehen Ihnen weltweit mit einem 24-Stunden-Notfall-Service zur Verfügung. Dieser bietet Ihnen rund um die Uhr schnelle und fachkundige Hilfe.

Key conditions

Assistance call deadline

For emergency transport, medical repatriation, hospital visits by a relative, or repatriation of remains, the insured (or someone on their behalf) must contact Allianz Direct's medical service in advance so arrangements can be made before they are organized; there is no fixed hour deadline, but contact must happen before the service is arranged.

Unauthorized treatment

If the insured organizes emergency transport, medical repatriation, a hospital visit, or repatriation of remains themselves without prior authorization from Allianz Direct, reimbursement is capped at the amount Allianz Direct would have paid had it arranged the service itself, and no further support is provided for costs incurred.

Purchase while abroad

The general terms do not explicitly address buying the policy after departure; medical cover starts with the beginning of the insured trip, which implies the contract (and payment of the premium) must be concluded before the trip begins.

Chronic conditions

Known chronic or pre-existing conditions for which treatment was known or foreseeable are excluded; only sudden, unexpected illnesses are covered.

SourcePage 08/43

Section: Definitionen

Vorerkrankungen sind Erkrankungen oder gesundheitliche Beschwerden, die schon vor dem Abschluss der Versicherung bzw. der Buchung der Reise bestanden. Sie wussten oder mussten damit rechnen, dass Behandlungen erforderlich werden. Vorerkrankungen sind nicht versichert.

Pregnancy

Normal, complication-free pregnancy and childbirth are excluded. Premature birth before the end of the 36th week of pregnancy during the covered trip is fully covered under the medical benefit.

Pre-existing condition exclusions

Pre-existing illnesses or conditions known before the policy was concluded, or for which treatment was foreseeable, are not covered by the medical expenses benefit.

Coverage duration limit

For this single-trip product, the maximum insured trip duration is defined individually in the policy schedule (Versicherungsschein); the general terms do not state a fixed universal cap.

Direct payment

For inpatient hospital admission, Allianz Direct can issue a cost-guarantee letter to the hospital or make an advance payment if the hospital agrees; other treatment costs are generally paid by the insured and reimbursed afterwards against original invoices and prescriptions.

Territorial scope

Cover applies abroad only. No medical treatment costs are reimbursed in a country where the insured has a permanent residence, or in a country where the insured has stayed longer than 3 months per year within the last 3 years.

Documents

General Insurance Terms (AVB) for Allianz Direct Travel Insurance (single trip) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Travel assistance

24/7 support service for emergencies, medical consultations, and travel assistance during trip

Source

Section: Deine Vorteile

Reise-Assistance 24/7 Unsere Experten und Expertinnen beraten dich jederzeit. Schnell und kompetent.

Coverage duration per trip

Maximum of 56 days per individual trip for annual insurance variant

Source

Allianz Direct Jahresreiseversicherung bietet dir Schutz auf allen deinen Reisen innerhalb eines Jahres (mit einer maximalen Reisedauer von bis zu 56 Tagen je Reise).

Package tariff variants

Three tier options available: Direct (basic), Direct Plus (enhanced), Direct Premium (comprehensive)

Source

Section: Wähle dein Reiseversicherungspaket

Reise-Komplettschutz Direct Plus ... Reise-Komplettschutz Direct Premium

Medical repatriation

Coverage for medically necessary transport back to home country in case of serious illness/injury

Source

Section: Die Leistungen der Reiseversicherungspakete

Kranken-Rücktransport Organisation des medizinischen Rücktransports nach Hause.

Sources

Allianz Direct Travel insurance

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