AWP P&C S.A., Branch for Germany (trading as Allianz Travel / Allianz Reiseschutz)
Allianz Travel
Allianz Travel is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
For inpatient hospital treatment, the insured must contact Allianz before paying costs or before a medical repatriation is arranged; the insurer coordinates and can guarantee costs directly with the hospital.
Geographic scope
Worldwide
Worldwide including USA and Canada; medical benefits apply only outside the insured person's country of residence.
Unique selling points
- Unlimited medical treatment sum abroad with no deductible under the travel health cover.
- Covers unlimited trips worldwide, including the USA and Canada, for up to 56 days each within one insurance year.
- The family/couple tariff covers up to two adults regardless of relationship plus an unlimited number of own children, who may even travel separately.
- Includes a 365-day, round-the-clock Reise-Assistance emergency hotline as standard.
Coverage limits
Medical expenses abroad
unlimited
Medically necessary treatment costs abroad for illness, accident, and other insured events are reimbursed with an unlimited sum insured and no deductible.
Emergency medical treatment
unlimited
Emergency outpatient and inpatient medical treatment abroad, including surgery, is covered with an unlimited sum insured.
Hospitalization
unlimited
Hospital accommodation and treatment costs abroad are reimbursed without a cap.
Outpatient treatment
unlimited
Outpatient medical treatment abroad is covered with an unlimited sum insured as part of the travel health cover.
Emergency dental treatment
unlimited
Emergency dental treatment abroad is covered without a cap under the travel health insurance.
Medical repatriation transport
unlimited
Medically sensible repatriation transport is included with no cap; post-trip after-care costs are reimbursed until the day the insured is fit to travel.
Medical evacuation
unlimited
Medical evacuation is provided through the same unlimited Kranken-Rücktransport benefit as medical transport; it is not a separately-limited cover.
Repatriation of mortal remains
No limit stated
Not confirmed in the available source excerpts for this product.
Search and rescue
No limit stated
Not confirmed in the available source excerpts for this product.
COVID-19 treatment
No limit stated
Not confirmed as a specific medical-treatment benefit in the available source excerpts for this product; COVID-19-related material found relates to other Allianz products or to cancellation cover, not to this product's medical treatment section.
Pre-existing conditions
Excluded
Conditions treated within the defined period before booking (cancellation) or before departure (curtailment) are excluded from coverage.
Winter sports cover
No limit stated
Not confirmed as a dedicated winter-sports medical extension in the available source excerpts; the Sport & Aktiv-Versicherung covers missed activities and sports equipment, not a specific winter-sports medical benefit.
Sport & activity insurance
Covered
Compensation for missed sports/activity events and cover for sports equipment; excludes items that are not sports equipment or that do not belong to the insured person.
Pregnancy complications
No limit stated
Not confirmed as a specific benefit in the available source excerpts; fertility treatment and medically unindicated termination of pregnancy are explicitly excluded.
Travel liability insurance
€500,000 – €1,000,000
Protects against third-party claims for personal injury or property damage caused during travel: €500,000 per person, €1,000,000 per family/couple.
Legal assistance
No limit stated
Not confirmed in the available source excerpts for this product.
24/7 travel assistance
Covered
A round-the-clock, 365-day emergency assistance hotline is included as standard, supporting medical emergencies, transport, and document replacement among other services.
Key conditions
Assistance call deadline
For inpatient treatment, you must contact Allianz before paying costs or before a medical repatriation transport is arranged.
Unauthorized treatment
No specific monetary penalty is stated, but prior contact with Allianz is a condition before payment for inpatient treatment or before a repatriation transport is arranged.
Purchase while abroad
The policy should generally be concluded when booking the trip; a later purchase is possible up to 30 days before departure, and if 29 days or fewer remain, it must be concluded immediately, at the latest within three days. Purchase after departure is not offered.
Chronic conditions
Pre-existing or chronic conditions treated within the defined period before policy inception or before travel are excluded from cancellation and curtailment cover.
Pregnancy
Costs related to fertility treatment or medically unindicated termination of pregnancy are excluded from coverage.
Pre-existing condition exclusions
Conditions treated in the defined period before booking (cancellation) or before departure (curtailment) are excluded from coverage.
Coverage duration limit
Each individual trip may last a maximum of 56 days; the annual policy covers an unlimited number of trips within the insurance year.
Policy specifics
Travel medical coverage
Medical treatment and hospitalization expenses abroad with unlimited coverage; patient transport and emergency repatriation
SourceTrip cancellation/curtailment coverage
Compensation for contractual cancellation fees or trip curtailment costs if covered events prevent travel
SourceBaggage and baggage delay coverage
Compensation for lost, stolen, or damaged baggage; compensation for delayed baggage requiring emergency purchase of items
SourceTravel liability insurance
Protection against third-party claims for damages caused during travel (personal injury or property damage)
SourceTravel accident insurance
Compensation for permanent disability or death resulting from an accident during travel
SourceSports and activity insurance
Compensation for missed sports or activity events; coverage for sports equipment damage or loss
SourceAnnual policy duration
Coverage applies to unlimited number of trips within a 12-month policy year; maximum trip duration of 56 days per trip
SourceGeographic scope of coverage
Worldwide coverage including USA and Canada; medical benefits valid only outside the insured person's country of residence
SourceEligibility and insurable persons
Only available for individuals with residence or habitual abode in Germany; family/couple tariffs cover up to 2 adults (regardless of relationship) and children up to 21 years old
SourceClaims notification requirements
Insured must notify insurer promptly upon discovering a claim event and provide full information; trip cancellation must occur within 48 hours
SourceGovernment travel warning exclusion
No coverage for travel to destinations under official government travel warnings at time of entry
Source24/7 travel assistance services
Round-the-clock assistance hotline for emergencies during travel; includes coordination of medical care, emergency transport, document assistance, and other travel-related support
Source