Allianz Assistance Travel insurance (Kortlopende Reisverzekering)

The policy is fully modular: you build your own cover by choosing only the modules you need on top of the mandatory SOS Assistance and baggage base.

If a serious illness or accident requires repatriation, travelling family members can return home together at no extra cost.

Repatriation, including ambulance flights, is covered up to €75,000 under the mandatory SOS Assistance section.

Extra accommodation costs during an emergency are reimbursed up to €100 per person per day for up to 5 days.

Assistance call deadline

For serious medical emergencies, the alarm centre must be contacted immediately, before treatment is sought, so that assistance can be authorized.

Unauthorized treatment

Failing to contact the alarm centre before receiving non-emergency treatment abroad may result in the claim being denied or reduced.

Purchase while abroad

An Allianz travel insurance policy can be taken out up to the day before departure at the latest, but no longer once you have already arrived at your holiday destination; so taking out cover while already abroad or en route is not possible.

Chronic conditions

Costs arising from an existing or chronic illness/condition you already had before taking out the travel insurance, and which you could reasonably have expected, are excluded from medical expenses cover; only urgent and unforeseen medical costs during the trip are covered.

Pregnancy

Pregnancy complications during the trip (such as pre-eclampsia) that require emergency medical care are covered under the medical expenses cover; however, a normal pregnancy and routine check-ups are not covered under either the short-term or the continuous travel insurance. Under the cancellation insurance, pregnancy (complications) is a valid reason for cancellation, provided you did not know you were pregnant when you took out the insurance.

Pre-existing condition exclusions

Compensation for cancellation due to a pre-existing medical condition depends on the country where you live and the status of the medical condition at the time you took out the travel insurance; for medical costs during the trip, costs that you could reasonably expect due to an existing illness or condition are not reimbursed.

Coverage duration limit

The short-term travel insurance is limited to a maximum continuous trip duration of 60 days and cannot be extended for longer trips.

Territorial scope

Europe is defined to include the Azores, Canary Islands, Madeira and the non-European countries bordering the Mediterranean Sea