Travel insurance is an insurance you can take on when travelling abroad in order to cover yourself, your family or your belongings in case something goes wrong during your trip.  The number of covers and their limits depend on which travel insurance product you choose: usually insurance companies offer different ranges of product (from the most basic to the most comprehensive).

At Allianz Travel, we offer 3 main products: 

• A basic product: Also called Schengen product, this travel insurance offers the basic coverages required to apply for a schengen visa. It mostly offers coverage for emergency medical expenses
• The Standard product: this is the mid-range product offering higher limits and more coverages than the Schengen travel insurance above.  On top of the medical emergency coverages, it also provides insurance for your belongings and trip cancellation or curtailment. 
• The Gold product: this is the most comprehensive product offering higher limits than the 2 other products so you can travel with peace of mind.

Travel insurance covers emergency medical expenses in most cases. This means if the traveler gets sick or hurt while travelling, the travel insurance will cover the medical expenses if the claim falls under the Terms and Conditions of the policy.

Aside from the emergency medical expenses, travel insurance can also cover your belongings (delays, loss, thief) as well as expenses if you cut your trip short or if you must cancel your trip. 

Every travel insurance product offers different coverages and limits - it is critical for you to carefully read what the product covers before purchasing any travel insurance. We also encourage you to read the Terms and Conditions to make sure the product is aligned with your expectations.

There is no right answer here. It depends on what YOU need and what the travel insurance offers. One travel insurance product might be the perfect fit for one traveler while not matching someone else's needs.

The best advice we can give you is to read what the travel insurance product covers so you do not get bad surprises at claim stage. At Allianz Travel we try our best to clearly state what each of our product offers. If you have any doubt about one of our products, you can also reach out to us directly and we will be more than happy to answer your question. 

Allianz offers tailored packages for both UAE and international travellers, ensuring comprehensive coverage. Our cover options include: 

• Single-global trip insurance 
  
• Annual Multi-trip insurance 
• Inbound UAE travel insurance
• Schengen travel insurance 
  

Annual multi-trip travel insurance covers you for any trips below 90 days  you take throughout an entire year. You buy your travel insurance once and then get covered whenever you travel for the next 365 days. 

This product is the best fit for frequent travelers since you do not need to buy a new travel insurance every time you travel. Aside from being convenient, it is also much cheaper if you travel a lot for work or for leisure. 

As  for any other travel insurance products, the terms and conditions apply.

You need to buy your travel insurance before you start your trip. Once your trip has started you cannot buy travel insurance. There are no exceptions to this rule. 

Please note: this is verified when a customer opens a claim - if you purchased your travel insurance after your trip started, your claims will not be eligible. 

Allianz Travel offers different travel insurance products. In order to match your expectations, our real-time quotation engine will ask you a few questions to get you the best travel insurance products based on your trip and profile. 

For each quotation, we usually offer 2 to 3 products - you can then choose which level of cover you want. Before buying one of our travel insurance products, we recommend you to carefully check the coverages, their limits as well as our terms and conditions. If you have any questions, please feel free to reach out to us ! 

Most people buy travel insurance to travel with peace of mind knowing they are covered if the unexpected comes up.  Before buying travel insurance, you need to know what type of trip you are going to have to make sure the travel insurance product you pick covers you properly.

For example, if you are going skying in the Alps, you will need to get the Winter Sport add-on on top of your travel insurance so you are sure you will be covered in case you get hurt while snowboarding.

As previously mentioned, it is critical you read the terms and conditions before you take on any travel insurance. If you have a doubt about any coverage, then you can call or whatsapp us. 

 

Travel insurance is the ideal type of insurance for travelling abroad.  Depending on the policy you choose it covers a wide range of things such as medical emergencies, trip cancellations, lost baggage, and more. Choose a plan that aligns with your travel needs.

 You can get a free quote online  in real-time in a few steps. 

Travel insurance for Dubai is recommended by multiple sources as it will cover you for emergency medical expenses and many other benefits. In a recent  news article, the Indian Embassy strongly advises that anyone travelling to the UAE take out travel insurance. It follows the case of someone who was visiting the UAE and faced high bills after an accident.

Financial burden of unforeseen circumstances is covered with a policy such as ours and prevents financial burden at such a difficult time. Money is not something someone should be worried about when someone is ill, injured or in trouble.

Allianz Travel insurance to the UAE also covers quarantine and emergency medical expenses related to COVID-19. Our online travel insurance is easy to buy in a few clicks and will give you peace of mind while exploring Dubai and the rest of the UAE. 

NO – Dubai tourist visa does not include international travel insurance for the UAE. It is recommended to buy a travel insurance to cover you and your family from the unexpected. Allianz Travel offers travel insurance to the UAE for any trips below to 90 days. You can purchase our travel insurance online and benefit from the COVID-19 related covers such as quarantine or emergency medical expenses. 

Yes, you can get a travel insurance with COVID-19 cover for your trip to Dubai. You just need to buy your travel insurance to the UAE before you arrive in the country. As any other international travel insurance, an Inbound travel insurance to the UAE needs to be bought before your trip starts otherwise your claims will not be eligible.

Allianz Travel has added specific benefits to its travel insurance for the UAE in order to cover quarantine and emergency medical expenses if you get tested positive to COVID-19 while you are travelling in the UAE.

You can check the Allianz travel insurance to the UAE  here.  Buying our online travel insurance is easy and fast. In just a few clicks, you can get a quote and buy online your travel insurance with Allianz Travel.

Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any options are required.

To find out how much a policy costs:

• Click " Get A Quote"
• Choose the policy type (single trip or annual trip)
• Add any options you require (Winter sports, Hazardous activities, Terrorism cover)
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
• Click 'Submit'

You can buy a policy online using one of these credit cards: Visa, Mastercard. Follow the process outlined above and if you are happy with the cover and price continue to the payment screen entering your card details.

Allianz Travel uses a secure payment gateway that makes the credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, simply get approval or decline from the banking institution. Once authorised, it's instant travel insurance cover - your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes for you to print as required. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal. For more information you could visit www.ssl.com but you can be assured that your transaction is at least as safe as any other normal offline credit card transaction. All of your personal details are protected and encrypted before they are sent for processing.

Typically, insurance providers don't offer refunds for unused days on single-trip policies. It is therefore important to know your trip dates before booking your travel insurance. In the case of annual multi-trip, you are covered for any tripcs below 90 days occuring over a year. 

The answer is NO - You cannot buy your travel insurance if your trip has started. It is important for you to buy travel insurance before departing on your trip, ideally at the time of booking. This proactive approach ensures that you are fully covered for a number of unforeseen events, such as trip cancellations, medical emergencies, lost luggage, or travel delays, giving you peace of mind throughout your journey.

No, you can only be covered if you are a resident in the United Arab Emirates.

Yes - Allianz Travel offers annual multi-trip policies which cover any trips below 90 days you take in the next 12 months. Do not hesitate to check our different plans and the related Policy Wording for more details.

Yes, our travel insurance policies are available to persons aged up to 85 years.

You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is purchased.
Single trip insurance cover ends on arrival to destination or on the date shown in your policy, whichever is earlier. Annual multi-trip policies terminate on the expiry date of the policy.

Single trip cover can be purchased for trips up to 92 days. Our annual multi-trip policy covers you for a year but no one trip within this period can exceed 92 days duration.

If you buy a 92 day single trip policy and return home after 60 days, the policy is terminated and you don't get a refund and you need to purchase a brand new policy for your next trip. Annual multi-trip policies offer the flexibility of travel however no one trip must exceed 92 days.

Yes. Some exclusions and conditions are specific to individual sections and General exclusions and Conditions apply to the policy overall. There is also a Health declaration with health exclusions that apply for cover to be effective. Please read the policy wording carefully to ensure you have the cover you need.

The policy does not cover claims relating directly or indirectly to any existing medical conditions, if you or anyone to be insured has at the time of taking out this insurance or booking your journey (whichever is the later):

• Been prescribed regular medication
• Received treatment or had a consultation with a doctor or hospital specialist for any medical conditions in the past 6 months
• Been referred to, treated by or are currently under the care of a doctor or a hospital specialist
• Been diagnosed as having a terminal illness

Please click here to read the Health Declaration for more information.

Allianz Travel insurance covers many adventure activities. To be covered for skiing and other winter sports you will need to add the 'Winter Sports' option when purchasing your policy. Please refer to the definition of 'Hazardous activity' within the policy document to understand what activities we do and do not cover. If in doubt, please send us an email.

Travel insurance provides a broad range of coverage to protect you during your trip, but it's important to understand that not every activity or situation is covered.

If you have a doubt - please reach out to us  to double check with one of our customer care representatives. 

Here’s a more in-depth look at what might not be covered:

• Pre-existing medical conditions: Many travel insurance policies do not cover pre-existing medical conditions unless you purchase a waiver or additional coverage. It’s crucial to disclose any existing conditions and understand your policy’s terms to ensure you have the necessary protection.
  

• Incidents occurring under the influence: Incidents that occur while you are under the influence of drugs or alcohol are typically not covered by travel insurance. This includes injuries, accidents, or losses that happen during such times

• Travel to high-risk areas: Travelling to areas with travel advisories or known risks may not be covered under standard travel insurance policies. It’s important to check the travel advisories for your destination and understand your policy’s coverage limitations.

• Cancellation for any reason: Standard trip cancellation coverage applies to specific covered reasons. If you want the flexibility to cancel your trip for any reason and still receive reimbursement, you might need to purchase an additional “Cancel For Any Reason” (CFAR) coverage

• Long-term medical care: Travel insurance is designed for short-term emergencies and might not cover long-term medical care or rehabilitation costs.
  

Family travel insurance packages are available. These plans provide comprehensive coverage for all members, including medical emergencies, trip cancellations, baggage issues, and more. 

Yes, children need travel insurance to ensure their safety and well-being while travelling, especially if they are travelling alone. It is crucial that they have comprehensive travel insurance, which can be obtained through specific under-18 plans or family travel insurance policies that cover children travelling independently. These policies typically cover medical emergencies, trip cancellations, lost baggage, and other unexpected events, giving both parents and children peace of mind on their journey.

There is no mimum age to be covered by travel insurance. In any case, when you do an online quotation, you will be asked to enter the age of each traveller -  at this point if one of the traveller's age is an issue, you will not be able to purchase travel insurance.

To know what is covered and what is not, we encourage you to read the Policy Wording of the travel insurance you are considering. All the limits, exclusions and conditions are detailed in this document. The coverage types, limits and exclusions vary according to the product you are condering. 

Allianz Travel insurance is all online, so we do not send any policy documents in the post. When you buy a policy, we will send you an email confirming the cover you have purchased and policy documents for you to download, print and save. You can also download the policy document here to view the terms and conditions of the cover.

No, you cannot purchase the policy if you have already left on your travels.

You  can call our customer service line on +971 4 270 8705 or WhatsApp us at + 971 56 216 4563 or email us at: [email protected]. We are available to answer queries 08:30am - 5:30pm Monday to Friday. Please note that we are unable to give you any advice on whether this product is suitable for your needs.

Yes. These claims will still be considered, please be aware though that when we receive a personal possessions claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce receipts for each and every item, however, we do expect that you should be able to provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Do these documents conclusively prove that I owned this item?"

Our medical emergency team is available 24 hours a day to assist you. You can reach them by calling the UAE +971 4 270 8705 ; email at: [email protected]

You can open a claim on our Online Claim Portal  or reach out to us by email at [email protected] or by phone on +971 4 270 8705. 

We have made this easy for you. All the relevant contact numbers are summarised on the first page of your policy document. These can also be found by clicking the 'Contacts' tab on the website.