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Auslandskranke­nversicherung für Langzeit-Reisen ­ 

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• Weltweite Soforthilfe durch die Allianz Travel  24h-Notfallzentrale
• Zusätzliche Leistungen der Auslandskrankenversicherung bei  COVID-19  Fällen
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Zusätzlicher Schutz jetzt auch bei COVID-19 Erkrankung

Sollten Sie, Ihre Reisebegleitung oder ein nahes Familienmitglied am Corona Virus erkranken oder eine häusliche Isolation notwendig sein, dann sind Sie mit Ihrer Auslandskranken-Versicherung im Ernstfall bestmöglich abgesichert.

Für alle, die bereits vor Reisebeginn abgesichert sein wollen, bieten wir auch einen zusätzlichen Stornoschutz auch bei COVID-19 Erkrankung oder Quarantäne. Damit möchten wir Ihnen auch in Zeiten der Pandemie ermöglichen, dass Sie ohne Sorgen Ihre Reise buchen und im Ernstfall stornieren können.

Abschlusshinweise

• Die Reiseversicherungen mit Auslandskrankenversicherung sind für alle Reisearten - auch Geschäftsreisen gültig. Bei Abschluss am Abreisetag tritt der Versicherungsschutz am nächsten Tag (0 Uhr) in Kraft. Die Deckungen gelten für den gewählten Reisezeitraum. Die maximale Reisedauer pro Reise beträgt 1 Jahr. 

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Gültigkeit bis zu 1 Jahr

Warum eine auslandskranken­versicherung für langzeit-reisen sinnvoll ist.

Wenn Sie im Ausland erkranken oder verletzt werden, können sehr hohe medizinische Behandlungskosten entstehen. So kostet zum Beispiel in den USA ein einziger Tag im Krankenhaus rund 6.000 €. Daher ist es gerade bei Langzeit-Auslandsaufenthalten wie Studien- bzw. Highschool-Semester, Au-Pair, Work & Travel, Auslandspraktikum oder ähnlichem sinnvoll eine Reiseversicherung mit Auslandskrankenversicherung abzuschließen, die Ihnen diese Kosten ersetzt und im Notfall auch für Ihren Rücktransport ins Heimatland sorgt. 

Die kostenfreie medizinische Behandlung durch die e-Card ist nur innerhalb der EU-Staaten gültig und hier auch nur in öffentlichen Krankenhäusern. Bei Behandlungen in private Kliniken und ärztliche Praxen müssen Sie alle medizinischen Leistungen selbst bezahlen.

Vergleichen Sie unsere Reiseversicherungen für eine Reise und entscheiden Sie sich für die Reiseversicherung, die am besten zu Ihrer Reise und Ihren Bedürfnissen passt. Allianz Travel bietet Ihnen höchste Qualität bei Kundendienst, Transparenz & Komfort .

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Auslandskrankenversicherung für mehrere Reisen im Jahr

• Einen Jahresschutz  abzuschließen empfehlen wir Ihnen, wenn Sie planen, mehrmals im Jahr zu verreisen . 
• Mit einer Jahresreiseversicherung können Sie sich während der nächsten 12 Monate für beliebig viele Reisen vor hohen medizinischen Behandlungskosten im Ausland schützen. Optional können Sie die Jahresreiseversicherung auch mit Reisestornoversicherung wählen, für einen Rundumschutz. 
• Genießen Sie Mobilitätsschutz  und Pannenhilfe  auch in Österreich.
• Die maximale Reisedauer pro Reise beträgt dabei 62 Tage.

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Allianz Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does Allianz Travel Insurance cover?

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• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Home » Budget Travel » Brutally HONEST Allianz Travel Insurance Review – [Updated 2024]

Brutally HONEST Allianz Travel Insurance Review – [Updated 2024]

Planning and preparing for a trip can be fun and exciting. Personally I love flicking through Lonely Planets seeking out those “Must See” places and I even enjoy scouring through forums for insider advice. I relish the challenge of arranging sophisticated logistics and revel in finding bargain flights from London to the ends of the earth.

Indeed, the feeling I get during the days before I start a trip is both exciting and invigorating. In fact, sometimes I wonder whether I’m equally as addicted to this “state of leaving”  as I am to travel itself – they do say that often anticipation is even better than the event itself.

What is far less exciting though, is comparing Travel Insurance policies. There are far too many policies and providers out there with far too many fine print details to scrutinise. Yep finding the best travel insurance is confusing, and finding cheap backpacker insurance can seem impossible. But, to make finding and buying Travel Insurance that bit easier for you, we have tried, tested and reviewed all of the major providers out there.

Allianz Travel Insurance Review

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Today we are going to review Allianz Travel Insurance. I have spent hours going through their policies and breaking them down for you. By the end of this post, you should know whether Allianz is the right travel insurance for you.

It’s important that you take time to look at other good travel insurance providers too. Different providers suit different kinds of travellers. So you may be better suited elsewhere.

Before we begin the Allianz Travel Insurance review, do note that the terms and conditions of insurance policies are subject to changes and are always ultimately based on your individual circumstances. Therefore, it is very important that you read any policy terms and conditions yourself.

Hey you there! Before you delve any further or waste any more valuable time on this Allianz Travel Insurance Review, let me just tell you straight up front that we at The Broke Backpacker no longer use Allianz for our travel insurance needs.

We have nothing against them, we just found other providers more suited to the needs of travellers and backpackers whilst offering VERY competitive quotes.

If you are taking a single trip or going backpacking, we recommend World Nomads Insurance .

Alternatively, if you are a digital nomad working and travelling remotely from all over the world, then SafetyWing Insurance offer some very interesting travel insurance plans.

Ahem – Please note that insurance companies change their policies and product terms fairly regularly. We do our best to keep this review up to date but cannot guarantee that all of the information is 100% correct. Therefore, only use this review as a guide and check all policies yourself. Also note that some of the links in this post are affiliate links.

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Do you need travel insurance? Does anybody really need travel insurance ?

After shelling out for flights, visas, and a new backpack, having to find a few more bucks for travel insurance may feel a bit depressing. I mean, all you get is a “policy certificate” AKA a boring 100-page booklet to read. Aren’t there more sexy and fun things to be spending that money on?

After all, most trips, vacations, and odysseys end happily and safely without any ill occurrence. There is no definitive answer to this.

Our team at the Broke Backpacker , we have (collectively) spent more than a century backpacking the globe and we have visited over 100 countries. Most of those trips ended without incident. However, we have also clocked up a fair few mishaps along the way: inflected legs, tropical diseases, broken backs, and even gunpoint robberies.

These incidents were all bad enough in themselves, leaving physical and mental scars. Thankfully though, we were all insured at the time. This meant that we were spared the further trauma of paying out thousands in medical bills or replacing technologies.

Basically, insurance is one of those things that most people never actually need. But the ones who do are very lucky to have it.

So now, you get the picture: travel insurance is essential when it comes to staying safe on the road . But is Allianz travel insurance right for you? Or do other travel insurance options suit you?

So let’s take a look. Here are some things good travel insurance plans help with, and where you would be without them.

Lost Luggage

Luggage gets lost both on planes and in airports. It shouldn’t happen, but it sure as hell does.

That in itself is bad enough but replacing all your essential travel gear will cost. Any decent travel insurance policy usually covers lost luggage, usually up to at least $1000.

In fact, the aviation watchdog states that 5.73 items of luggage are lost for every 1000 passengers. That means that if you take 10 flights, then there is a 5% chance of your luggage getting lost forever. Some airports and airlines lose more baggage than others but all of them are equally as obtuse and obstructive when it comes to trying to make a claim.

Lost luggage can ruin your whole trip. I mean, imagine you head to Iceland and they lose all your cold weather gear?!

Medical Bills

Foreign medical care costs can be very high. A friend of mine was once hospitalised while backpacking in Costa Rica and ran up bills in excess of $10,000.

More recently he spent 1 night in a Thai hospital, was billed $1,000 and his passport was used as a ransom (that boy has no luck. Maybe he should stay at home?) . Personally, I don’t have $10,000 to pay to Costa Rican Doctors, but I do have maybe $50 to buy myself a travel insurance policy.

If you come from Europe, the cost of medical care in some parts of the world is quite a revelation. If you’re in the US, then you already know all about health extortion. But do remember, your domestic health insurance will most probably not cover you outside of the US.

Accidents happen (and without warning…) and ill health can strike any of us down at any time, anywhere. In fact, if you have experienced the driving or the hygiene standards in India, you’ll already know that you are at high risk of coming to some harm out on the road.

Trip Interruption Coverage

Trip interruption comes in all shapes and sizes. Claiming for flight delays or cancellations is annoying – and in the end, nothing’s guaranteed.

Every year a few airlines or travel agents go out of business leaving passengers stranded. Booking flights home at short notice is costly.

Not getting home on time on the other hand, can mean getting sacked from your job – ouch. If you have to stay a few more nights at your destination waiting for a flight home, then that can also stretch a maxed-out travel budget.

Having trip cancellation and interruption coverage can mean the difference between desperately raiding your overdraft or getting a few extra days of vacation, free of charge.

Theft Coverage

Sadly, tourists are a target for thieves in many parts of the world. Our team have been robbed with guns while backpacking South America . And I know people whose diamond jewellery and MacBooks were burgled from hotels.

Being robbed is scary. But theft coverage makes it suck a little less when you don’t have to fork out for your stolen iPhone.

Repatriation

In the unlikely event of your demise, your travel insurance can cover the cost of repatriation or sending your body home. The costs of this can otherwise run into several thousands of dollars.

Nobody ever thinks it will happen to them. And yet, it does happen.

Furthermore, the law of averages dictates that if you travel enough, something, somewhere will eventually go wrong. Just like you should always look twice before crossing the road, and always wear your helmet before riding a bike, you really should get comprehensive travel insurance.

By the way, some countries require you to obtain insurance before even letting you enter. Imagine being turned back at the airport for the sake of a few quid?! I personally never leave home without first obtaining travel insurance plans from either World Nomads or SafetyWing.

If you’re reading this, then I guess you decided that you do need travel insurance. Yay! Welcome to the world of sensible adults (AKA accepting your own mortality and the fact that you have no control whatsoever over the universe, despite whatever bullshit “The Secret” may have told you).

Allianz travel insurance is perhaps one of the biggest insurance companies in the world. They have been trading for over 120 years and they have offices across the globe.

Though travel Insurance is by no means Allianz’s primary focus or modus operandi. But this is not a bad thing. Note that even “specialist travel insurers” are often, in fact, brands or shop fronts backed by big insurance companies like Allianz.

They are governed by the Financial Services regulators in pretty much every national market they trade in. This means that if you have a problem with them, you can squeal on them and have your case reviewed independently and fairly by an adjudicator free of charge.

Now that the introductions are out of the way, let’s take a look at the individual travel insurance policies they offer.

Allianz are a major financial service provider and as such, they offer different coverage options, policies and plans aimed at different travellers. Let’s quickly run through them.

Firstly, Allianz travel insurance offer travellers 2 main types of policy. Within these coverage types are little variations. The main policy types are OneTrip and AllTrips .

Within both the OneTrip and AllTrips umbrellas are 3 variations : Basic, Prime, Premier . These vary depending on how much cover you want and how much you want to pay.

As the name kind of suggests, OneTrip covers one single, specific trip generally with a fixed start and end date.

AllTrips covers any and all trips that you make in a one-year period. This annual plan runs from the date you take out the policy, or a date of your choosing, and lasts for 365 days (or 366 in a leap year) .

You can take an unlimited number of trips in the year and an unlimited number of days travelling. Do be sure that all your chosen destinations are covered by the annual travel insurance policy though, otherwise, you may need to obtain additional cover.

OneTrip Basic Plan

This travel insurance policy covers all travel insurance basics such as medical coverage, trip cancellation and lost luggage. Look at it as the entry-level “classic cover” if you like.

The plan may be able to offer;

• Emergency Medical and Emergency Dental Coverage up to $10,000 and $50,000 for Medical Evacuation. These amounts may seem high but are not enough if you need to be airlifted home from an accident, for example.
• Lost or Stolen Baggage Coverage up to $500 and $200 for Delayed Baggage. Now, $500 may be enough for your baggage depending on how expensive your clothes are, and whether you pack any specialist equipment. However, a solid travel backpack is usually worth around $200.
• Trip Cancellation Cover up to $100,00. One of the best features of the OneTrip Basic plan is that Allianz may be able to reimburse the full cost of your trip if you need to cancel early. However, the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons – not because you got bored or changed your mind.

This policy is a good all-rounder and ideal for travellers on a budget . However, it does have some limitations.

Some of the Allianz travel insurance OneTrip basic coverage is a bit on the tight side. Furthermore, OneTrip Basic plan does not include coverage for missed connections or airline change fees. There are also relatively fewer accepted reasons for claiming on the trip cancellation clause.

OneTrip Prime Plan

Broadly speaking, Allianz OneTrip prime plan is more or less the same as the basic – with increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage and Dental Coverage up to $25,000 worth of and $500,000 worth of emergency evacuation coverage.
• Lost and Stolen Baggage Cover up to $1,000 which should cover most people’s hold luggage. However, the per-item max is $500. So if you pack your $8000 top-quality travel camera , you will only get $500 back for it. It also includes Baggage Delay Costs of up to $300.
• Missed Connection Coverage up to $800.
• Airline Change Fees up to $250.

OneTrip Premier Plan

In case you need a bit more on top of that, then we have the OneTrip Premier Plan. The Allianz OneTrip Premier policy is essentially the Prime with even higher coverage amounts. OneTrip Premier may be able to offer cover to;

• Emergency Medical and Dental Coverage of up to $25,000 to $50,000.
• Emergency Evacuation Coverage also increases to $1,000,000. With international evacuation averaging around $100,000, this amount is more than adequate to cover your transportation back home.
• Lost or Stolen Baggage up $2,000. However, like with the OneTrip Prime plan, you can only claim a maximum of $500 per item (up to $2,000 in total). $600 in Baggage Delay.
• Travel Delay coverage up to $1,600.
• Missed Connection Coverage up to $1,600.

Other Allianz OneTrip Options & Offshoots

In case that wasn’t choice enough for you, Allianz also offers 2 offshoots of their OneTrip policy. If you like, look at them as the highly specialised cousins of the OneTrip family.

OneTrip Cancellation Plus Plan

OneTrip Cancellation Plus Plan is definitely Allianz’s budget policy. With this plan, you are only covered against trip cancellation, interruptions, and delays. Medical coverage, medical transportation, and baggage loss are not included.

Personally, I would only consider this policy if (1) you are not checking luggage (2) you have medical coverage elsewhere. For example, this may be OK if you are an EU citizen taking a short break to another EU country where you only have your trusty carry-on luggage and an EU emergency healthcare card.

OneTrip Emergency Medical Plan

This policy is great for travellers who only want medical coverage on one single trip. It provides up to £50,00 in emergency medical coverage and $250,000 in emergency medical transportation coverage.

Remember that this plan only offers protection for medical expenses. If you are robbed, your cuts and bruises are covered but your stolen phone is not. If the airline loses your luggage it is not covered and neither is heartbreak. Trip cancellation coverage is also not included.

This plan is, therefore, for anybody whose sole and only concern is medical coverage.

Remember, the OneTrip policies cover one specific trip. The AllTrips policies we are going to detail below cover long, or multiple trips within a one-year period.

Note that AllTrips policies may also be able to offer rental car coverage for damage as well as dismemberment cover. On the flip side, trip cancellation coverage is either non-existent or limited.

AllTrips Basic Plan

The AllTrips basic may be able to offer coverage for the “classic” issues on multiple trips within a one-year period. Let’s see those numbers.

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Evacuation Coverage. Note that $20,00 on medical emergencies may still be a little on the low side in the event you get very sick in an expensive part of the world such as the US.
• Lost/Stolen or Damaged Baggage up to $1,000. Yes, this may be able to cover most checked bags but remember the $500 max item clause. Baggage Delay is offered up to $200 and then $300 for trip delay.
• Rental Car Damage Coverage up to $45,000. Note that additional premiums may apply.

Note that the AllTrips Basic plan does not come with Trip Cancellation or Interruption Coverage. Remember that means you will not be reimbursed in case you are unable to go on your trip!

AllTrips Prime

As you probably guessed, AllTrips Prime is more or less the same as the basic package with some increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00. Remember that the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons.
• Lost/Stolen or Damaged Baggage up to $1,000 and $200 for Baggage Delay.
• Trip Delays up to $300.

AllTrips Premier

If you want even more coverage, then we have AllTrips Premier. The Allianz AllTrips Premier policy is basically the Prime one with even higher coverage amounts. AllTrips Primer may be able to cover;

• Emergency Medical Coverage of $50,000,00 and $500,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00.
• Trip Delays Coverage of up to $1,500.00.
• Dismemberment and travel accident up to $50,000 if you lose a limb or your eyesight when travelling.

Wanna know how to pack like a pro? Well for a start you need the right gear….

These are packing cubes for the globetrotters and compression sacks for the  real adventurers – these babies are a traveller’s best kept secret. They organise yo’ packing and minimise volume too so you can pack MORE.

Or, y’know… you can stick to just chucking it all in your backpack…

We’re now going to drill down and look at the various things that may be covered by Allianz travel insurance. Remember that some of these are covered by some policy types but not others, and note that coverage amounts and excess’ also vary depending on the exact Allianz policy type.

Emergency Medical Coverage

Got food poisoning in Delhi? Got hit by a moped in Bangkok? Or maybe you just slipped in the shower and broke your wrist in Madrid?

These things can, and do, happen and will all require emergency medical care. Being sick, infirm, and unable to make TikToks is bad enough as it is, so the last thing you want is a hefty medical bill which you have to pay out of your own pocket.

Emergency accident and sickness coverage is quite likely the most important aspect of travel insurance plans.

Emergency Transportation

Emergency Medical Evacuation is when you need to be sent to your home country, or another country, for further or continued medical treatment, and are too sick to travel home normally as a regular passenger. For example – if you are stuck in a hospital bed on a drip in a leg cast.

Trip Cancellation

Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date of your insurance plan) due to covered sickness, accidental injury, or death of you, a family member or travelling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons.

Trip Interruption

Trip Interruption Coverage includes the same stipulations as listed above in “Trip Cancellation”. It includes the caveat of covering the cost of accommodation to you if you are delayed.

Baggage Coverage for Loss/Damage

Being compensated for baggage loss of lost personal gear is likely the second most important aspect of your insurance. This is one of the most common reasons file a claim on your travel insurance.

This covers reimbursement for loss, theft, or damage incurred during the trip. It can be applied to all personal items that were lost, stolen, or else accidentally blown off the roof of a chicken bus travelling at top speed.

Baggage Delay

In the event your checked baggage is delayed or misplaced by the air carrier (for more than 12 hours) , you can claim reimbursement for any necessary items you need to purchase until your bag arrives. This will typically mean toiletries but may even mean some travel clothes if you can demonstrate the purchase is essential.

Trip Delay cover protects you when you’re unable to reach your destination on time due to circumstances beyond your control. If your airline cancels your flight due to a technical fault, Allianz travel insurance will reimburse you for any meals, transportation, or accommodation costs you incurred as a result. Note that delays of less than 6 hours are not covered.

Change Fee Coverage

Have you ever tried to change or vary a flight date or add or remove a passenger?! The fees can be insanely high. This is where Change Fee coverage comes in. If you have the AllTrips Executive, OneTrip Prime plan or OneTrip Premier plan, you can claim up to $500 to cover the cost of the airline change fee.

Travel Accident Coverage

If you are in an accident, you may be entitled to claim a compensation payment in addition to your medical/repatriation costs. This is usually reserved for loss of limb/eyesight type scenarios and you can’t claim for whiplash or emotional trauma from falling from a donkey!

The Travel Accident Coverage is also payable to your family in the event of your death.

Rental Car Damage and Theft Coverage

The AllTrips travel insurance polices also include rental car coverage. This can often prove considerably cheaper than obtaining insurance direct from the rental car provider.

If you are resident in the US, this feature may not be available to you. For clarity, we suggest you speak with Allianz travel insurance directly.

There are some notable omissions from Allianz’s cover. Let’s take a look at them.

Pre-Existing Medical Conditions

If you have a pre-existing medical condition which causes you problems on your trip, it is not covered under the Allianz policies. This is fairly common amongst insurers. It is important that you do declare any pre-existing conditions when taking the policy out.

If you do have a pre-existing medical condition, then you may be very interested to hear that SafetyWing can offer full coverage for PEMCs in their policies.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Extreme Sports

Allianz Travel Insurance does not any kind of adrenaline sport such as Quad Biking and Parachuting. The lack of coverage for extreme or adventure actives is one of the many reasons why we now prefer World Nomads. To get full details of the kind of activities World Nomads can offer coverage for, head over to their site and get a tailer made quote.

So as you can see, Allianz Global Assistance offers a lot of different policy types for a lot of different people. Allianz Travel Insurance maybe suitable for the following kinds of travellers;

• Annual Travellers – With the Allianz annual plan, you may be covered for a whole rotative journey around the sun, no matter how many times you travel! Annual plans are great for frequent and long-term travellers to save you money in the long run. On the other hand, though, SafetyWing offers a month-by-month policy which you can stop and start depending on how much you travel; this may prove to be more cost-effective.
• Senior/Ageing Travellers –  Allianz travel insurance policyholders are among the best senior travel insurances . They have no age limit. Believe us, not all insurers offer this and we have a LOT of queries from over 65’s & over 70’s who have struggled to find insurance elsewhere.
• Travelling Families –  Allianz travel insurance policies may allow children under the age of 17 to travel with their parents for free, on selected plans. This is great for families with kids. My earliest travel memory is of a Spanish ER department, my parents were glad they had me on their policy. Otherwise my foot would still be bleeding 33 years later!

Whilst they do offer a myriad of different plans to cover most travellers types, Allianz is perhaps not the ideal travel insurance company for absolutely everybody out there.

• Adventure Travellers –  Allianz Travel Insurance does not offer protection for extreme activity or sport of any kind! If you plan on doing any dangerous, adrenaline-type activities, then perhaps consider World Nomads who can offer coverage for over 201 different extreme sports. SafetyWing are also rapidly extending their extreme coverage.
• Travellers Wanting High Medical Coverage –  We usually recommend travelling with at least $100,000 of emergency medical coverage. If you come down with a severe illness or are mangled by a badger, you might be stuck with thousands of dollars in medical bills so need to be prepared. World Nomads do offer $100,000 in medical emergency cover.
• Corporation Haters –  Allianz are a major international finance company and we know some of you prefer not to deal with such organisations. That’s a perfectly legitimate point of view. However, remember that even a lot of “boutique” insurers are in fact ultimately shop fronts for big insurers such as Zurich, Lloyds, or even Allianz. In fact, all some boutique firms do is sell you the illusion of dealing with a small firm and charge you a hefty commission for the privilege.

So now we know the details, the next burning question is how much does Allianz Travel Insurance cost?

Well actually, it’s very difficult to say. The pricing details vary depending on a wide range of factors such as your age, location, your trip plans, if you have a pre-existing medical condition, and numerous other factors that only the gods of insurance can compute. It’s worth it to get in there and check yourself.

So, now, let’s talk about our trusty travel insurance plans for backpackers.

World Nomads

World Nomads offers coverage for backpackers and adventure trailers. They are one of our favourite travel insurance providers and we have used them for years.

Unlike Allianz travel insurance, World Nomads are a travel insurer with a focus on backpackers.

World Nomads offer 2 separate plans depending on how much cover you want and what exactly you intend to do. World Nomads can also offer trip cancellation coverage, electronic gadget, and theft coverage in the policies.

Word Nomads can cover over 140 countries (but not Pakistan which is a shame for us) . They can also cover a wide range of adventure stuff and extreme sports like mountaineering which Allianz travel insurance do not.

However, they do not offer home country cover and do not offer open-ended cover. If you are not planning on doing any adventure stuff though, then you may find World Nomads to be a bit expensive.

SafetyWing are a relatively new player on the scene. They are founded by travellers, for travellers, and their primary target is for those travelling as a digital nomad : people like me who move around the world working from our laptops. We can go many years without ever going “home” and SafetyWing recognises this and can offer open-ended cover.

What we LOVE about SafetyWing is that their insurance operates like a monthly subscription that you can stop and start as and when you need it. They are also one of the few providers who may be able to cover some pre-existing conditions and provide assistance with “routine” health stuff.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

By this point, you may well know which travel insurance is best for you. Maybe it’s Allianz travel insurance, or maybe it’s one of the others.

The question now then is, when should you buy travel insurance?

You can buy travel insurance up until the start date of your trip for most insurers. Many will not cover a trip that has already begun – with the exception of World Nomads and SafetyWing.

Note : if you ever do make a claim, you may well be asked to provide evidence of the start date. So I do not recommend trying to hoodwink insurers. Be totally honest or it will come back on you.

However, in our experience, the earlier you book your travel insurance, the better. This is for a number of reasons:

• Things sometimes go wrong before the trip even starts. For example, if the airline goes bust. This happens to 1000s of people every year. Or what if you get very sick a week before flying and have to cancel?! If you have the right travel insurance in place, your insurer may cover you in these scenarios.
• The vast majority of policies include a cooling off period . This is a period of time (usually 28 days) when you can cancel the policy and get all of your money back. We suggest using the cooling period to read through the policy documents and ensure that the cover fully meets your needs. Upon a closer look, if it does not suit you, you have time to contact the insurer and amend the policy, or cancel it and obtain more suitable travel insurance.

Personally, I usually book my travel insurance the very same day I book my flight. The only exception is if I already have long term or an annual plan. In these scenarios, instead, be sure to check the last date on your annual/long-term cover and make sure it covers your whole trip.

First up, it is unlikely you will ever need to make a travel insurance claim. Yipee!

In case you do though, you will be very pleased to hear that the process is pretty straightforward as long as you are dealing with a reputable company. If you are not then it may be a lot harder.

To initiate a travel insurance claim, all you need to do is contact (call) Allianz Global Assistance and chat with their 24-hour multilingual staff. You should do this as soon as possible or as soon as you know you will need to make a claim .

You will need to tell them about your claim including details of what has gone wrong, and what the damage seems to be. You can also initiate the process online by signing into your account.

If you are claiming lost or stolen items, you will need to write up a formal sworn statement of events, detailing what happened and what was lost. You will also need to have an official police report made up – it is highly important that you obtain this even if it means paying a fee/bribe or hassling the police to do it. Try to get it in both the native language and in English if possible.

The Insurance company may contact you to discuss your claim further. You may even be subjected to a an anti-fraud interview and your call may even be run through voice detection software designed to spot deceit! However, you have nothing to worry about if your claim is legitimate and in order.

It is very helpful to get all of your receipts and invoices together first and submit all expenses at once. Do keep copies of every expense, bill, invoice, and report as you will need to provide these to the claims team. They may pay out small amounts without a bill, but in the case of extra hotels, flights, or electronics, the rule is usually “no proof = no payment”.

After that is sorted, you upload all of your information and documents, review the claim and submit. The Allianz team will get cracking and stay in contact with you throughout this process. Note that resolution time does vary from case to case. It may be days, weeks, or sometimes months depending on the details of your claim.

I hope you found this Allianz Travel Insurance Review to be informative – it certainly took a lot of work on our part to put it together! Comprehensive travel insurance is important to safe travel and you need to carefully choose the best provider for your needs.

We really care about the safety of our readers. That’s why we do recommend travel insurance so strongly. We’ve seen ourselves what can go wrong – and we wouldn’t wish it on anyone.

So check for trip interruption coverage, get your gadgets covered, but most importantly, make sure any potential medical expenses are covered, especially emergency medical expenses. Shop around different providers to find the right one for you. Once again, we wish you an awesome and safe trip!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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The author did a very nice job explaining the different types of insurance Allianz offers. But, until you have experienced their VERY POOR customer service and actual reimbursement procedures, you will not have the complete Allianz story.

I would never use Allianz Global Assistance for your trip insurance needs During a Viking River Cruise June, 2023, my husband came down with COVID. VIKING handled their end of any claims and taking care of us beautifully, BUT Allianz Global Assistance was a completely different story. We had Trip Interruption insurance (which included coming down with COVID) and trying to get reimbursement for all our medical expenses and a post trip to Amsterdam we had planned (not with Viking, but through our travel agent) has been one of the most frustrating ordeals I have ever dealt with. We are asking for approximately a $2,000 reimbursement and we have received $300.

If you need to file a claim, here is what you can expect after you complete the on-line claim form on Allianz’s website : 1. They will tell you they can’t read your receipts (even though you can read them on the email you send or they are PDFs from Viking or your TA). One Allianz customer service rep (probably the 7th person I talked to), told me to download a $50 app that makes receipts readable, which I did, and they still couldn’t read them. I finally snail-mailed copies of the receipts and they still declined 75% of them. 2. Phone calls with wait times of over an hour. This has happened to me 10+ times (not just a random occurrence), and I have tried all times of the day – same thing. 3. When you do talk to a rep, the call will always, and I mean always, disconnect before the issue is handled.

I could go on and on, but bottom line, I will NEVER use Allianz again or recommend them to anyone. We are out $2,000 + $1,000 we paid for the Trip Insurance. It is a big deal, but I can’t imagine if we had to rely on Allianz for the total trip reimbursement. Thank goodness Viking stepped up and provided the level of customer service they did.

Of course, we are aware that some customers sometimes have insurance claims denied. We also appreciate that others have bad customer service experiences with all kinds of different companies.

However are not privy to the finer details of your situation, and Allianz are not here to put across their side of the story either – furthermore this is not really the legitimate forum to air complaints about them. Still in the interest of openness and transparency we will let your comment stand.

Best of luck with your next trip.

Yes agreed – your statement about Allianz not offering unlimited medical cover is complete BS and misleading to readers. Are you paid to promote World Nomads Insurance? Please provide full disclosure to your readers.

I have just rechecked the Allianz policy information available on their website and what we have said appears to remain correct. If you feel we have missed something then please elaborate.

As for World Nomads, we have made it clear that some of the links in this post are affiliated.

Hi there, I found your article very informative, but I just wanted to make a couple of corrections. Im not affiliated with Allianz, but Ive been researching which insurance to buy and they have provided me with a quote and their PDS, which Ive read in full. The amounts that Allianz offers for overseas emergency assistance and overseas medical and hospital expenses under their comprehensive plan are both unlimited, and they do offer insurance for pre-existing medical conditions, you just have to pay an additional premium.

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June 1, 2020

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Travel Insurance 101: How Travel Insurance Works

What is travel insurance?

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

In addition to financial protection, the other huge benefit of travel insurance is access to assistance services , wherever you are in the world. Our elite team of travel and medical experts can arrange medical treatment in an emergency, monitor your care, serve as interpreters, help you replace lost passports and so much more. Sometimes, they even save travelers’ lives.

A few things you should know about travel insurance:

• Benefits vary by plan. It’s important to choose a plan that fits your needs, your budget and your travel plans. Here are definitions of all available travel insurance benefits.
• Travel insurance can’t cover every possible situation. Allianz Travel Insurance is  named perils  travel insurance, which means it covers only the specific situations, events, and losses included in your plan documents, and only under the conditions we describe.
• Travel insurance is designed to cover  unforeseeable events —not things you could easily see coming, or things within your control. If, for example,  you wait to buy insurance for your beach trip until after a named hurricane is hustling toward your destination, your losses wouldn’t be covered.

How does travel insurance work?

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses. You can  file a claim online , or do it on your phone with the  Allyz ® TravelSmart app .

How does this work in real life? Let’s say you purchase the OneTrip Prime Plan , which includes trip cancellation benefits, to protect your upcoming cruise to Cozumel. Two days before departure, you experience a high fever and chest pain. Your doctor diagnoses bacterial pneumonia and advises you to cancel the trip. When you notify the cruise line, they tell you it’s too late to receive a refund.

Without travel insurance, you’d lose the money you spent on your vacation. Fortunately, a serious, disabling illness can be considered a covered reason for trip cancellation , which means you can be reimbursed for your prepaid, nonrefundable trip costs. Once you’re feeling better, you gather the required documents—such as your airfare and cruise line receipts and information about any refunds you did or did not receive—and you file a claim . You can even choose to receive your reimbursement by direct deposit, to your debit card, or via check.

Sometimes, this process works a little differently. Travel insurance may pay your expenses upfront if you require emergency medical treatment or emergency transportation while traveling overseas. Or, with the  OneTrip Premier and OneTrip Prime plans, you may be eligible to receive a fixed payment of $100 per day for a covered travel delay or $100 for a covered baggage delay . No receipts for purchases are required; all you need is proof of your covered delay.

Many travelers are wondering: Can COVID-19 be considered a covered reason for trip cancellation? And can travel insurance help if you become seriously ill with COVID-19 while traveling? Most of our travel insurance plans now include epidemic-related covered reasons (benefits vary by plan and are not available in all jurisdictions). The Epidemic Coverage Endorsement adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. To see if your plan includes this endorsement and what it covers, please look for "Epidemic Coverage Endorsement" on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply. Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.

> Learn more: Travel Insurance and COVID-19: The Epidemic Coverage Endorsement Explained

How to choose a travel insurance plan

There’s a wide range of Allianz Travel Insurance plans, each with different benefits and benefit limits. So how do you know which is best for you? To begin, get a quote for your upcoming trip. When you enter your age, trip costs and trip dates, we can recommend a few plans for you. Then, you can compare the costs and benefits of each.

If you’re a budget-conscious traveler who’s traveling in the U.S., you may like the OneTrip Cancellation Plus Plan . It includes trip cancellation, trip interruption and trip delay benefits.

If you want protection in case of medical emergencies overseas, but you have few pre-paid trip expenses, you may consider the OneTrip Emergency Medical Plan . This affordable plan includes emergency medical and emergency transportation benefits, as well as other post-departure benefits, but not trip cancellation/interruption.

If you want the reassurance of carrying substantial travel insurance benefits, the best fit may be the OneTrip Prime Plan . This plan also covers kids 17 and under for free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).

If you’re planning several trips in the next 12 months, consider annual travel insurance such as the AllTrips Prime Plan . It gives you affordable protection for a full year of travel, including benefits for trip cancellation and interruption; emergency medical care; lost/stolen or delayed baggage; and Rental Car Damage and theft protection (available to residents of most states).  

> Find the right travel insurance plan for you 

How to get the most from your travel insurance plan

Don’t wait too long to buy travel insurance! The best time to buy travel insurance is immediately after you’ve completed your travel arrangements. The earlier you buy insurance, the bigger your coverage window. Also, you must buy your plan within 14 days of making your initial trip deposit in order to be eligible for the pre-existing medical condition benefit (not available on all plans).

Read your plan documents before you leave. If you're not completely satisfied with your plan, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. Premiums are non-refundable after this period.

Call us when you need help. If you have questions about how travel insurance works, or how to file a claim, or which benefits you need, please contact us ! Our representatives are available 24/7. If you’re already traveling, and you’re facing a travel crisis or just need some advice, call our emergency assistance hotline .

> Read more about how we can help

Related Articles

• What Does Travel Insurance Cover?
• How Travel Insurance Covers Family Members
• Trip Delay, Trip Interruption and Trip Cancellation Insurance Explained

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Kranken­versicherung für aus­ländische Gäste kurz erklärt

• Gesetzliche Vorschrift in Deutschland : Eine Versicherung für Gäste aus dem Ausland ist notwendig und eine Grund­bedingung für die Ausstellung eines Visums.
• Incoming Kranken­schutz : Bietet umfassenden Gesundheits­schutz für internationale Gäste, nicht nur in Deutschland, sondern im gesamten Schengen-Raum, einschließlich Andorra, Bulgarien, Kroatien, Rumänien, San Marino, Vatikan­stadt und Zypern.
• Flexibilität beim Versicherungs­abschluss : Der Abschluss ist noch bis zu zwei Tage nach der Einreise möglich, was Flexibilität für Gäste aus dem Ausland bietet.
• Gültigkeit über Deutschland hinaus : Der Schutz gilt für den gesamten Schengen-Raum , was für Reisende, die ein Schengen-Visum benötigen, besonders wichtig ist.

Vorteile einer Kranken­versicherung für ausländische Gäste

Exakte Dauer

Umfassende Erstattungen

Leistungen einer incoming-versicherung im überblick, schengen­weiter schutz, 24h stunden service, ohne selbst­beteiligung, was deckt die incoming-versicherung ab und was nicht.

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Für wen ist die Incoming-Versicherung geeignet?

Geschäfts- und Privat­reisende in EU-/Schengen-Staaten

Expatriates auf befristeten Projekten

Ausländische Studierende, Au-pairs, Sprach­schüler:innen

Saison­arbeiter:innen

In welchen ländern ist die kranken­versicherung für ausländische gäste gültig.

Die Incoming Reise­versicherung ist in ganz Europa sowie im Schengen-Raum gültig, einem Gebiet, das eine Vielzahl europäischer Länder umfasst. Diese Länder – darunter Deutschland, Frankreich, Italien, Spanien, die Nieder­lande, und viele andere – ermöglichen es ihren Bürgern und internationalen Gästen, frei und ohne die Notwendigkeit von Pass- oder Grenz­kontrollen zu reisen.

Für ausländische Besucher:innen, die in diese Länder kommen möchten, ist ein Visum erforderlich. Eine essenzielle Bedingung für die Visum­erteilung ist der Abschluss einer Incoming Reise­versicherung, die Schutz während des Aufenthalts in den Schengen-Staaten sowie in weiteren europäischen Ländern wie Andorra, Bulgarien, Kroatien, Rumänien, San Marino, Vatikanstadt und Zypern bietet.

Wann zahlt die Incoming Versicherung, wenn etwas passiert?

Ihre incoming-versicherung zahlt:.

• für Hilfe bei persönlichen Notfällen (Krankheit, Unfall, Tod) und Organisation des Kranken­rück­transports mit medizinisch adäquaten Mitteln, sobald dies medizinisch sinnvoll und vertretbar ist.
• für Krankheit oder Unfall während vorüber­gehender Reisen in alle Staaten der Europäischen Union oder in einen Mitglieds­staat des Schengener Abkommens.
• für ambulante Behandlung durch einen Arzt bzw. eine Ärztin.
• für ärztlich verordnete Arznei­mittel und Heil­behandlungen.
• für stationäre Behandlung im Kranken­haus und für medizinisch notwendige, ärztlich verordnete Rehabilitations­maßnahmen als Anschluss­heil­behandlung.
• für kürzere Aufenthalte von Studierenden, beispiels­weise bei einer Sprachreise oder in den Semester­ferien.

Ihre Incoming Kranken­versicherung zahlt nicht:

• für Leistungen in den Ländern, in denen die versicherte Person einen ständigen Wohnsitz hat.
• für Heil­behandlungen, deren Notwendig­keit Ihnen vor Reiseantritt bekannt war oder mit denen Sie nach den Ihnen bekannten Umständen rechnen mussten.
• für Schwanger­schafts­vorsorge­untersuchungen.
• für Entbindungen nach der vollendeten 36. Schwanger­schaftswoche.
• für ausländische Studierende, die für ihr Studium einen lang­fristigen Aufenthalt in Deutschland planen, da die Versicherung auf maximal 93 Tage begrenzt ist.

In welchen Staaten gilt die Incoming-Versicherung für Ausländer:innen?

Wie lange besteht der versicherungsschutz der reiseversicherung, ist man als ausländer:in in deutschland verpflichtet eine versicherung zu haben, reicht die reisekrankenversicherung für ausländer:innen oder werden weitere reiseversicherungen benötigt, was bedeutet medizinisch sinnvoll und vertretbar für ihren krankenrücktransport.

• Speziell für Leute bis 50 Jahre
• Zur individuellen Absicherung Ihres privaten oder beruflichen Auslandsaufenthalts
• Für alle Reisen mit einer Dauer von bis zu zwei Jahren

• Weltweiter Schutz
• Gesundheits- und Reise-Assistance mit 24h-Notruf-Service
• Krankenrücktransport, wenn medizinisch sinnvoll

Haben Sie noch Fragen zur Incoming-Krankenversicherung?

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FAQ Häufig gestellte Fragen

Hier finden sie antworten auf häufig gestellte fragen rund um unsere reiseversicherungen sowie das thema reiseschutz im allgemeinen..

Informationen zur Ukraine-Krise

Allgemeine Informationen

Die Ereignisse in der Ukraine beschäftigen uns alle. Wir hoffen, dass es Ihnen und Ihren Familienangehörigen gut geht und Sie von der beunruhigenden, instabilen Situation nicht betroffen sind. Wir können nachvollziehen, dass Sie sich in Anbetracht der Ukraine-Krise fragen, inwiefern sich diese Ereignisse auf Ihren Versicherungsschutz und unsere Assistance-Leistungen auswirken.

Bitte überprüfen Sie zunächst die Gültigkeit Ihres Reiseschutzes für Ihr Reiseziel. Aktuelle Informationen sowie Reise- und Sicherheitshinweise für Ihr Reiseland finden Sie auf der  Webseite des Auswärtigen Amts .

Überprüfen Sie anschließend bitte Ihre Versicherungsbedingungen. Diese regeln den Umfang Ihres Versicherungsschutzes. Kontaktieren Sie außerdem auch Ihren Reiseanbieter (z. B. die Fluggesellschaft, das Reisebüro oder den Reiseveranstalter). Ihr Reiseanbieter kann Ihre Reise gegebenenfalls (je nach Situation, Zeitplan, Reiseziel etc.) umplanen, ändern oder sich um eine Rückerstattung kümmern.

Sollte Ihnen Ihr Reiseanbieter keine Lösung anbieten können, finden Sie nachfolgend einige allgemeine Hinweise zu Ihrem Reiseschutz, die sich speziell auf die aktuelle Situation in oder um Europa beziehen.

Details zu Ihrem Reiseschutz entnehmen Sie bitte Ihren Versicherungsbedingungen. Generell sind bei uns folgende Ereignisse  nicht  über Ihren Reiseschutz abgedeckt:

-          Sie haben sich entschieden die Reise nicht anzutreten oder haben Bedenken zu fliegen?

Nicht versichert ist im Rahmen der Reiserücktritt-Versicherung, wenn Sie beispielsweise eine Urlaubsreise nach Frankreich aufgrund der Ukraine-Krise stornieren wollen.

-          Direkt oder indirekt durch den Krieg verursachte Ereignisse

Wenn  beispielsweise wegen des Krieges Flüge annulliert werden, ist dies nicht im Versicherungsschutz Ihrer Reiseversicherung enthalten. Möglicherweise ist dies aber über Ihren Reiseanbieter abgedeckt.

-          Wirtschaftliche Sanktionen, die Ihre Reisepläne stören

Sollten Sie die Reise absagen, weil beispielsweise Ihre Kreditkarte aufgrund von Restriktionen im Zahlungsverkehr (z. B. SWIFT) nicht eingesetzt werden kann, ist dies nicht durch Ihre Versicherung abgedeckt.

-          Änderungen aufgrund von Reisewarnungen

Wenn das Auswärtige Amt beispielsweise eine Reisewarnung für Ihr Urlaubsziel ausspricht, Sie sich aber dennoch entscheiden, dorthin zu reisen, sind Sie auf der Reise bei Schäden, die direkt oder indirekt mit dem Anlass der Reisewarnung zusammenhängen, nicht versichert. 

Fragen & Antworten:

Frage:  Ich habe einen Urlaub in einem Land nahe der Ukraine gebucht und möchte meine Reise aufgrund der aktuellen Situation stornieren. Werden mir die Stornokosten erstattet?

Antwort: Bedenken, an einen bestimmten Ort zu reisen, sind kein versichertes Ereignis.

Frage:  Das Auswärtige Amt hat eine Reisewarnung für mein Urlaubsziel ausgesprochen. Werden mir die Stornokosten erstattet?

Antwort: Wird für Ihr Reiseziel eine Reisewarnung ausgesprochen, stellt dies kein versichertes Ereignis im Rahmen der Reiserücktritt-Versicherung dar. Bitte wenden Sie sich in diesem Fall an Ihren Reiseveranstalter. Er ist in der Pflicht, die Reise abzusagen und die Kosten zu erstatten oder eine Alternative zu bieten. 

Frage:  Ich befinde mich noch in der Ukraine und habe keine Möglichkeit, in mein Heimatland zurückzufliegen. Erhalte ich eine Rückerstattung der Reise- und Übernachtungskosten?

Antwort: Nein, denn direkt oder indirekt durch den Krieg verursachte Ereignisse sind nicht versichert.

Hinweis : Die obenstehenden Ausführungen gelten für unsere aktuellen Versicherungsbedingungen. Maßgeblich für den Versicherungsschutz sind im Einzelfall die dem jeweiligen Versicherungsabschluss zugrunde liegenden Versicherungsbedingungen.

• Reiserücktrittsversicherung
• Auslandskrankenversicherung
• Versicherungsfall

Allgemeine Fragen

Während Ihre Hausratversicherung ausschließlich Schäden ersetzt, die durch Raub oder Einbruchdiebstahl entstehen, ist über die Reisegepäck-Versicherung auch einfacher Diebstahl versichert. Wird Ihnen während des Urlaubs z. B. die Handtasche oder der Koffer aus Ihrem Hotelzimmer gestohlen, greift die Reisegepäck-Versicherung. Bei einer Hausratversicherung wird dies nicht als Versicherungsfall angesehen. Darüber hinaus deckt die Reisegepäck-Versicherung unter bestimmten Voraussetzungen auch den Diebstahl von Reisegepäck aus dem Auto ab.

Tipp: Erstellen Sie eine Liste aller mitgeführten Sachen und rechnen Sie für die Ermittlung der nötigen Versicherungs-Summe realistisch den Zeitwert des gesamten Gepäcks aus. So sind Sie im Fall der Fälle bestens vorbereitet.

Fragen zum Reiseversicherung

Eine Auslandskrankenversicherung sowie alle weiteren Reiseversicherungen, die keine Reiserücktrittsversicherung beinhalten, können Sie bis zum Abreisetag abschließen.

Unsere Vertriebspartner – Reisebüros, Reiseveranstalter, Online-Portale, Allianz Agenturen und Makler – sind Ihnen gerne behilflich.

Mit dem Europa-Tarif werden Reisen in Länder des geographischen Europas versichert. Darüber hinaus sind mit diesem Tarif Reisen in folgende Zielgebiete versicherbar: Russische Föderation, Mittelmeer-Anrainerstaaten, Kanarische Inseln, Azoren und Madeira. Hier sehen Sie eine Liste der Länder, die gemäß unserer Versicherungs-Bedingungen zu Europa gehören:

Ägypten, Albanien, Algerien, Andorra, Armenien, Aserbaidschan, Azoren, Belarus, Belgien, Bosnien-Herzegowina, Bulgarien, Dänemark, Deutschland, Estland, Finnland, Frankreich, Georgien, Gibraltar, Griechenland, Großbritannien, Irland, Island, Israel, Italien, Kanarische Inseln, Kasachstan, Kroatien, Kosovo, Lettland, Libanon, Libyen, Liechtenstein, Litauen, Luxemburg, Madeira, Malta, Marokko, Mazedonien, Mittelmeer Anrainerstaaten, Moldawien, Monaco, Montenegro, Niederlande, Norwegen, Österreich, Polen, Portugal, Rumänien, Russische Föderation, San Marino, Schweden, Schweiz, Serbien, Slowakei, Slowenien, Spanien, Spitzbergen, Syrien, Tschechische Republik, Tunesien, Türkei, Ukraine, Ungarn, Vatikanstaat, Zypern.

Eine Reiserücktrittsversicherung sollte bei Buchung der Reise (Datum der Buchungs-Bestätigung) erfolgen, ein späterer Abschluss ist bis 30 Tage vor Reiseantritt möglich. Bei Buchungen ab 29 Tagen vor Reiseantritt ist die Versicherung sofort, spätestens innerhalb der nächsten 3 Tage, abzuschließen. Eine Auslandskrankenversicherung sowie alle weiteren Reiseversicherungen, die keine Reiserücktrittsversicherung beinhalten, können Sie bis zum Abreisetag abschließen.

Unsere Vertriebspartner – Reisebüros, Reiseveranstalter, Online-Portale, Allianz Agenturen und Makler – sind Ihnen beim Versicherungs-Abschluss gerne behilflich.

Ausländische Staatsbürger:innen  schließen den Incoming-Krankenschutz am besten vor der Einreise nach Deutschland ab. Der Abschluss muss spätestens 2 Tage nach Einreise erfolgen, die maximale Versicherungsdauer beträgt 93 Tage.

Antworten auf weitere Fragen zum Incoming-Reiseschutz finden Sie  hier .

Eine Versicherung für eine einzelne Reise gilt grundsätzlich bis zum Ende der Reise.

Ein Jahres-Reiseschutz mit einer Laufzeit von einem Jahr gilt für alle Reisen innerhalb der versicherten 12 Monate. Der Versicherungs-Vertrag verlängert sich um ein weiteres Jahr, sofern er nicht spätestens einen Monat vor Ablauf des Versicherungsjahres gekündigt wird. Eine Kündigung kann über unser Kunden-Portal  oder im  Chat u nter "Vertragsänderung" beauftragt werden.

Das kommt darauf an, was Sie absichern möchten. Kreditkarten beinhalten oft nur "Ausschnittdeckungen", so dass ein Krankenrücktransport enthalten sein kann, eine Auslandskrankenversicherung jedoch nicht oder umgekehrt.

Häufig gilt der Reiseschutz nur, wenn die Reise mit der Kreditkarte bezahlt wurde. Zudem sollten Sie prüfen, ob die Versicherung nur für den Karteninhaber gilt oder ob auch Mitreisende mitversichert sind.

Fragen zur Reiserücktrittsversicherung

Fragen zur auslandskrankenversicherung.

Nehmen Sie schnellstmöglich Kontakt mit unserer Notrufzentrale (+49 89 62424-245) auf. Die Spezialisten nennen Ihnen Krankenhäuser oder Ärzte in Ihrer Nähe, organisieren bei Bedarf eine Kostenübernahme oder einen Krankenrücktransport. Unser Experten-Team ist jeden Tag rund um die Uhr für Sie erreichbar.

In unserem Leitfaden für den Notfall haben wir Ihnen die 10 wichtigsten Punkte zusammengefasst, an die Sie im Notfall denken müssen. Drucken Sie sich unseren Leitfaden aus und packen Sie ihn in Ihr Urlaubsgepäck!

Jeder Auslandskrankenschutz von Allianz Travel übernimmt die Kosten eines medizinisch sinnvollen Krankenrücktransportes.  Medizinisch sinnvoll ist ein Rücktransport nicht nur, wenn die Behandlung im Reiseland nicht möglich ist, sondern auch, wenn aus ärztlicher Sicht die Weiterbehandlung im Heimatland für die Genesung förderlich ist. Diese Entscheidung wird von den Ärzten/Ärztinnen unserer hauseigenen Notrufzentrale, der Assistance, in Absprache mit den Ärzten/Ärztinnen vor Ort getroffen. Im Gegensatz dazu ist bei manchen Versicherern nur der „medizinisch notwendige Krankenrücktransport“ abgedeckt. Medizinisch notwendig ist ein Rücktransport ins Heimatland aber nur dann, wenn die Krankheit vor Ort nicht behandelt werden kann oder eine medizinische Unterversorgung bestehen würde. Das kommt jedoch nur in wenigen Teilen der Welt vor.

Im Falle Ihres Todes oder wenn Sie länger als 24 Stunden im Krankenhaus bleiben müssen, und wenn Ihre Reisebegleitung minderjährig oder auf Ihre Vollzeitbetreuung angewiesen ist, gilt folgendes. Wir organisieren und zahlen die Beförderung Ihrer Reisebegleitung an Ihren Hauptwohnsitz oder einen Ort nach Wahl im Land Ihres Wohnsitzes.

Allianz Travel unterscheidet bei der internationalen Krankenversicherung zwischen Auslandskrankenversicherung, Langzeit-Auslandskrankenversicherung und Incoming-Versicherung.

Sie sollten eine internationale Krankenversicherung   abschließen, wenn Sie Urlaub im Ausland machen, für längere Zeit ins Ausland reisen oder als Ausländer:in Deutschland bzw. andere Länder des Schengen Raumes besuchen.

Eine internationale Krankenversicherung für langfristige Auslandsaufenthalte funktioniert ähnlich wie eine Krankenversicherung im Heimatland: Sie sind für Notfälle, aber auch für Diagnoseuntersuchungen und Nachbehandlungen versichert. Im Gegensatz dazu leistet eine Auslandskrankenversicherung nur bei Notfällen und Unfällen im Urlaub und kann nur für einen begrenzten Zeitraum abgeschlossen werden. 

Fragen zur Reise-Krankenversicherung Incoming

Der Geltungsbereich für den Incoming-Krankenschutz umfasst alle Mitgliedsstaaten des Schengener Abkommens sowie Andorra, Bulgarien, Kroatien, Rumänien, San Marino, Vatikanstadt und Zypern.

Für folgende Länder gilt der Allianz Travel Incoming-Krankenschutz:

• Deutschland
• Griechenland
• Liechtenstein
• Niederlande
• Tschechische Republik
• Vatikanstaat

Ja, eine Verlängerung ist unter den folgenden Voraussetzungen möglich:

• Im Vorversicherungszeitraum ist kein Versicherungsfall/Schaden eingetreten und die versicherte/n Person/en ist/sind aktuell gesund
• Die Anfrage zur Verlängerung und auch der Versicherungsabschluss müssen vor Ablauf des Vorversicherungs-Zeitraums erfolgen
• Die Versicherungsdauer darf insgesamt maximal 93 Tage betragen

Zur Verlängerung des Versicherungsschutzes müssen alle Voraussetzungen erfüllt sein. Wenn Allianz Travel der Verlängerung zustimmt, gelten die regulären Beiträge. Hier finden Sie den Antrag auf Vertragsverlängerung  (PDF). Bitte senden Sie den ausgefüllten Antrag an [email protected] .

Ja. Können Sie  nicht einreisen, weil Sie z.B. kein Visum erhalten haben, kann die Versicherung storniert und der Beitrag erstattet werden. Das ist auch nach Versicherungsbeginn noch möglich. 

Als Nachweis benötigen wir die Ablehnung der Visastelle. Senden Sie Ihren Antrag auf Stornierung mit entsprechendem Nachweis bitte an [email protected] . 

Vor Versicherungsbeginn ist eine Stornierung ohne Nachweis möglich.

Verschiebt sich Ihre Einreise, kann der Beginn der Incoming-Krankenversicherung verlegt werden.

Als Nachweis benötigen wir z.B. Ihren Reisepass mit Einreisestempel oder das Flugticket. Senden Sie Ihren Antrag auf Änderung des Versicherungsbeginns mit entsprechendem Nachweis bitte an [email protected] .

Vor Versicherungsbeginn ist eine Änderung ohne Nachweis möglich.

Fragen zum Versicherungsfall

Über unser Kunden-Portal   können Sie jederzeit einen Versicherungsfall melden oder zu einem bereits gemeldeten Fall Unterlagen und Dokumente per Upload nachreichen. 

Jeder Versicherungsfall muss unverzüglich, d. h. ohne schuldhaftes Zögern, gemeldet werden. Liegt eine Verzögerung vor, muss diese begründbar sein.

Bei einem Reisrücktritt muss die Reise nach Eintritt des Rücktrittgrundes außerdem innerhalb von 48 Stunden  storniert werden, um die Stornokosten möglichst gering zu halten.

Fragen zum Air Doctor Service

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- Lindsay T., MN, 2021

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Reiseversicherung

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Deine vorteile mit der allianz direct reiseversicherung, fragen zu einer speziellen leistung der reiseversicherung, fragen zur reisekranken­versicherung, fragen zur reiserücktritts­versicherung, fragen zur jahresreise­versicherung, fragen zur reisegepäck­versicherung, allgemeine fragen zur reiseversicherung, fragen zur sport & aktiv-versicherung oder verspätungs­versicherung, faq zur reiseversicherung.

Was kann ich bei der Allianz Direct Reiseversicherung alles absichern?

Welche Reisedauer kann ich versichern?

Wie hoch ist die Versicherungssumme der Reiseversicherung?

Gibt es einen Reiseschutz, den ich kurz vor Reisebeginn abschließen kann?

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Wie lange ist meine Reiseversicherung gültig?

Für welche Länder ist der Europa-Tarif gültig?

Leistet meine Reiseversicherung, wenn das Auswärtige Amt eine Reisewarnung für mein Reiseziel ausgesprochen hat?

Ist eine in Kreditkarten enthaltene Reiseversicherung ausreichend?

Reicht eine private Haftpflichtversicherung oder brauche ich eine Reise-Haftpflichtversicherung?

Wie kann ich eine Reiseversicherung online abschließen?

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Welche Reiseversicherungen sollte ich für einen Reise-Rundumschutz noch abschließen?

In welchen Fällen unterstützt mich die Reise-Assistance?

Kann ich eine Reiseversicherung pausieren?

Wie kündige ich eine Reiseversicherung für eine einzelne Reise?

Wann muss ich eine Jahresversicherung kündigen?

FAQ zur Sport & Aktiv-Versicherung und Verspätungs­versicherung

Welchen Schutz bietet mir die Sport & Aktiv-Versicherung?

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Langzeit- Auslandskrankenversicherung

Du möchtest eine Weltreise machen oder planst einen längeren Auslandsaufenthalt z.B. für Work & Travel und bist auf der Suche nach einer günstigen Langzeit-Auslandskrankenversicherung? Mit dem Langzeitschutz von STA Travel bist du schon ab €44 pro Monat im Krankheitsfall bis zu 5 Jahre lang im Ausland gut abgesichert. Wir zeigen dir hier, was du beim Abschluss einer Auslandskrankenversicherung beachten solltest und beantworten die wichtigsten Fragen zum Thema "Langzeit AKV"!

Jetzt Langzeitkrankenversicherung inkl. USA & Kanada buchen 👇

Interessierst du dich dafür, weitere Informationen über unsere Langzeit-Auslandskrankenversicherung zu erhalten? Entdecke jetzt alle Details zum umfassenden Schutz während deiner Reise in die USA oder Kanada!

Vorteile  unserer  Langzeit- Auslandskrankenversicherung

Vom ersten bis zum letzten Tag Unsere Langzeit-Auslandskrankenversicherung kannst du bis zum Tag deiner Abreise abschließen und dich für 3 oder 6 Monate, 1 Jahr oder sogar bis zu fünf Jahre versichern. **Wichtig: **Achte darauf, dass auch wirklich deine komplette Reisedauer abgedeckt ist! Tipp: lieber etwas länger abschließen. Dann stehst du nicht irgendwann ohne Versicherungsschutz irgendwo auf dem Globus. Wenn du vor Ablauf wieder zurückkommst – kein Problem! Die nicht genutzten Monate erstatten wir dir selbstverständlich zurück. Und keine Angst: Zur Not kannst du deine Versicherung eventuell auch während der Reise verlängern . Hier wird der Vertrag gecheckt bevor wir verlängern und es muss geschehen, **bevor **deine ursprüngliche Versicherung abläuft und kann nur **einmal **erfolgen!

VERSICHERUNGSFÄLLE MELDEN – SCHNELL UND UNKOMPLIZIERT   Bei Schadensmeldung und Hilfe im Notfall im Ausland muss es vor allem schnell gehen. Der 24-Stunden-Notfall-Service ist dabei rund um die Uhr und 7 Tage die Woche für dich da. Damit die Abwicklung auch während deiner Reise unkompliziert funktioniert, kannst du deine Schadensabwicklung online machen. So musst du uns nicht irgendwelche Rechnungen oder Belege mit der Post schicken, sondern kannst sie einscannen oder abfotografieren. Trotzdem solltest du Originalbelege und Rechnungen aufbewahren , da sie nach Reiseende eventuell noch im Original benötigt werden. Größere Kosten, z.B. Krankenhauskosten werden per Kostenübernahme bei uns direkt übernommen.

Fragen und Antworten zur Langzeit Krankenversicherung

Die medizinische Behandlung während deines Work & Travel Abenteuers oder deiner Weltreise kann ohne den richtigen Auslandskrankenschutz schnell zur finanziellen Belastung werden. So kann z.B. in den USA und Kanada die Behandlung eines Kreuzbandrisses schnell mal 20.000 € kosten und der Krankenrücktransport nach Deutschland über 100.000€!

Was kostet mich eine Auslandskrankenversicherung?  Als Erwachsener zwischen 18 und 39 Jahren bekommst du deinen Langzeit-Auslandskrankenschutz bei STA Travel schon ab €44 pro Monat (Laufzeit bis 12 Monate) und €100 Selbstbehalt.

Was passiert nach meiner Rückkehr nach Deutschland?  Egal ob du früher oder wie geplant von deinem Aufenthalt im Ausland zurückkehrst, sobald du wieder in deinem Heimatland bist, greift die Auslandskrankenversicherung nicht mehr. Du bist gesetzlich dazu verpflichtet, dich wieder in Deutschland zu versichern. Deshalb ist es wichtig, dass du dich rechtzeitig um deinen Krankenschutz in Deutschland kümmerst. Optimaler Weise klärst du das schon vor deiner Abreise. So besteht z.B. meistens die Möglichkeit, eine Anwartschaftsversicherung abzuschließen. Dadurch wird deine Krankenversicherung für die Dauer deines Auslandsaufenthaltes nur "auf Eis gelegt" und nicht gekündigt. Somit ist sichergestellt, dass deine Krankenversicherung sofort ab dem Tag deiner Rückkehr wieder besteht.

Greift meine Auslandskrankenversicherung auch im Krankheitsfall bei einem Heimatbesuch?  Bei unserem Langzeit-Auslandskrankenschutz ist ein Heimatbesuch in Deutschland von bis zu sechs Wochen pro Jahr mitversichert, bei einem Aufenthalt von mehr als 1 Jahr.

Bin ich bei Vorerkrankungen, chronischen Krankheiten und Vorsorgeuntersuchungen auch versichert?  Kosten für die Behandlung von chronischen Krankheiten und Krankheiten die bereits vor deiner Auslandsreise festgestellt wurden, werden von der Auslandskrankenversicherung nicht abdeckt. Ebenso die Kosten für Vorsorgeuntersuchungen. Und bei Schwangerschaft? Wir erstatten die Kosten für Untersuchungen und/oder Behandlungen bei Schwangerschaftskomplikationen, Fehlgeburten und Entbindungen vor Vollendung der 36. Schwangerschaftswoche. Hat die Schwangerschaft nach Versicherungsbeginn begonnen, übernehmen wir auch die Kosten für 5 Schwangerschaftsvorsorge-Untersuchungen und die Entbindung nach Vollendung der 36. Schwangerschaftswoche. Wir erkennen auch Untersuchungs- und Behandlungsrechnungen von Hebammen oder Geburtshelfern an, wenn die Kosten nicht gleichzeitig durch eine/einen Ärztin/Arzt in Rechnung gestellt werden.

Greift die Versicherung auch, wenn ich im Ausland arbeiten möchte?  Work & Travel, ein Praktikum, ein Au-Pair-Job oder ein Nebenjob im Auslandssemester sind bei unserer Auslandskrankenversicherung mitversichert.

Kann ich als Schweizer Bürger über euch eine Versicherung abschließen? Leider können wir zurzeit keine Reiseversicherungen für Bürger aus der Schweiz anbieten. Aufgrund der Vorgaben der schweizerischen Finanzaufsicht ist es schweizerischen Staatsbürgern lediglich erlaubt, Versicherungsprodukte aus ihrem eigenen Land abzuschließen.

Welche Reiseversicherung suchst du?

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