Allianz p.l.c.
Allianz Assistance
Allianz Assistance is a travel insurance for the Ireland market with online purchase and 24/7 assistance.
Direct payment
Allianz Assistance Ireland guarantees direct payment to hospitals and doctors abroad via its 24-hour emergency medical assistance service. As stated in the Irish policy document, if you have a valid claim, they will contact hospitals or doctors abroad and guarantee to pay their fees.
Geographic scope
Cover area is selected by the customer at purchase, ranging from Europe-only to Worldwide (with or without USA/Canada).
Cover only applies to the geographic area selected and confirmed on the policy certificate; travel to a country not selected and confirmed is not covered.
Unique selling points
- Comprehensive emergency medical cover up to €10 million on Gold-level cover, including medical repatriation, versus €1 million on Bronze.
- Three selectable cover levels (Bronze, Silver, Gold) let customers choose claim limits that best match their needs and budget.
- Annual multi-trip customers are covered as soon as the policy is purchased, with no obligation to notify the insurer of individual travel dates.
- Cancellation cover start date can be deferred by up to 31 days if immediate cover is not required.
- 24/7 Assistance Department support for medical emergencies encountered while travelling abroad.
Coverage limits
Emergency Medical and Associated Expenses
Covered
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
Covered
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
Covered
In-patient hospital benefit: up to €220 (€10/day) on Bronze cover and up to €1,000 (€50/day) on Gold cover.
Outpatient Treatment
Not offered
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
Covered
Emergency dental treatment is covered up to €350, the same limit applying to both Bronze and Gold cover levels.
Transport/Accommodation in Home Country
Covered
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/Evacuation
Covered
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
Covered
Funeral expenses (repatriation of remains) are covered up to €1,500, the same limit applying to both Bronze and Gold cover.
Search and Rescue
Not offered
No specific search and rescue benefit or limit was disclosed in the reviewed sources.
COVID-19 / Epidemic or Pandemic Related Treatment
Conditional
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.
Pre-Existing Medical Conditions
Excluded
Existing medical conditions are not covered under the policy unless declared and accepted in writing by the insurer prior to travel.
Winter Sports Cover
Optional
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.
Adventure/Extreme Sports Cover
Excluded
Extreme sports and certain other high-risk activities are excluded from cover under the policy's general exclusions.
Pregnancy Complications
Not offered
No specific benefit or limit for pregnancy complications was disclosed in the reviewed sources.
Personal Liability Cover
Covered
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.
Legal Assistance
Not offered
No specific legal assistance benefit or limit was disclosed in the reviewed sources.
24/7 Emergency Assistance
Covered
24/7 medical emergency assistance is provided through the insurer's Assistance Department for medical emergencies occurring while travelling; contact details must be used for hospitalisation claims.
Key conditions
Unauthorized treatment
Amounts agreed to be paid without the insurer's prior consent are not covered under the emergency medical and emergency transportation section.
Chronic conditions
Health condition changes after the policy is purchased must be declared to the insurer to determine whether an additional premium is required to maintain cover.
Pre-existing condition exclusions
Medical conditions existing before the policy was purchased may be excluded from cover; pre-existing medical screening is not currently offered, and health changes after purchase must be declared.
Coverage duration limit
Annual multi-trip cover is stated as covering individual trips of up to 30 consecutive days on the current product pages and Bronze IPID, though the Nov 2020 policy handbook states a 35-day per-trip limit; there is no cover whatsoever for any part of a trip exceeding the applicable per-trip limit.
Where to buy
Documents
Annual Multi-Trip Travel Insurance Bronze IPID
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Annual Multi-Trip Travel Insurance Gold IPID
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Single Trip Travel Insurance Gold IPID
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Allianz Assistance Ireland B2C Travel Insurance Policy Wording
terms_and_conditions
Travel Policy Handbook (Nov 2020 edition)
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Travel Policy Summary (May 2024 edition)
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Travel Policy Summary (Nov 2020 edition) - Gold/Silver/Bronze/Backpacker benefits table
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Policy specifics
Emergency Medical Expenses
Coverage for emergency medical and dental expenses incurred abroad, including medical repatriation
Trip Cancellation or Curtailment
Coverage for cancelling trip before departure or cutting short journey due to covered circumstances
Delayed Baggage
Coverage for essential items when personal possessions delayed by more than 12 hours on outward journey
Personal Possessions Cover
Coverage for lost, stolen, damaged or destroyed luggage and personal items
Winter Sports Upgrade
Optional additional premium for coverage of winter sports activities including skiing and snowboarding
Personal Liability Cover
Coverage for legal liability to third parties for accidental bodily injury or property damage.
Residency Requirement
Coverage is only available if insured has main home registered in Republic of Ireland and not spent more than 6 months abroad during previous year
Trip Length Limits
Single trip cover up to 180 days; annual multi-trip trips limited to 35 days per trip; backpacker cover up to 365 days
Age Restrictions
Backpacker cover: Only for ages 35 and under at policy issue date; no maximum age on single trip policies
Policy Excess
Deduction applicable to claims under certain sections; amount varies by section and cover level
High-Risk Activities Exclusion
Exclusions apply to extreme sports, acts of war, terrorism, and certain other high-risk activities
Claim Documentation Requirements
Original receipts, invoices, medical evidence, and travel documents required to support claims