Allianz Assistance Travel insurance (Annual Multi Trip)

Aggregate sum insured for emergency medical and associated expenses incurred abroad: up to €1,000,000 on Bronze cover and up to €10,000,000 on Gold cover.

Emergency medical treatment abroad is covered within the same aggregate limit as emergency medical and associated expenses: up to €1,000,000 (Bronze) or up to €10,000,000 (Gold).

In-patient hospital benefit: up to €220 (€10/day) on Bronze cover and up to €1,000 (€50/day) on Gold cover.

No separate outpatient treatment sub-limit was disclosed in the reviewed sources; outpatient costs are presumed within the overall emergency medical expenses aggregate.

Emergency dental treatment is covered up to €350, the same limit applying to both Bronze and Gold cover levels.

Cover for transport and accommodation costs in the home country following a medical emergency, up to €1,000, the same limit for both Bronze and Gold cover.

Emergency medical transportation is covered within the same aggregate emergency medical expenses limit: up to €1,000,000 on Bronze cover and up to €10,000,000 on Gold cover.

Funeral expenses (repatriation of remains) are covered up to €1,500, the same limit applying to both Bronze and Gold cover.

No specific search and rescue benefit or limit was disclosed in the reviewed sources.

Costs arising from an epidemic or pandemic are excluded from cover except where expressly referenced within the insured covers, such as certain medical emergency or cancellation sections.

Existing medical conditions are not covered under the policy unless declared and accepted in writing by the insurer prior to travel.

Winter sports and ski cover can be added for an additional premium, providing cover for up to 31 days of winter sports activities such as skiing and snowboarding when confirmed on the policy schedule.

Extreme sports and certain other high-risk activities are excluded from cover under the policy's general exclusions.

No specific benefit or limit for pregnancy complications was disclosed in the reviewed sources.

Personal liability cover for legal liability to third parties for accidental bodily injury or property damage; stated at up to €1,000,000 across Gold, Silver and Bronze cover levels. This figure is explicitly confirmed on the Single Trip product page; the Annual Multi-Trip product pages confirm personal liability cover is included but do not restate the euro limit.

No specific legal assistance benefit or limit was disclosed in the reviewed sources.