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Frequently Asked Questions

Frequently Asked Questions

Purchase

We are pleased to provide you answers to some of the most commonly asked questions about travel insurance from Allianz Global Assistance. If you have additional enquiries, please contact us at: travel@nextcarehealth.com

How much does a policy cost?

How much does a policy cost?

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'



How can I buy a policy?

How can I buy a policy?

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.

How do I know that buying my policy online is secure?

How do I know that buying my policy online is secure?

Allianz Global Assistance 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.

Cover

What if I change my mind about buying the policy?

What if I change my mind about buying the policy?

If your cover does not meet your requirements, please notify us with 48 hours of receiving your documents for a refund of your premium.

Schengen cover Premium refunds are only considered for single trip cover, when you are either unable to obtain the necessary visas or the policy does not meet your requirements. Please notify the issuing agent within 48 hours of receiving your policy schedule or start date of the policy whichever is the earlier and return all your documents to them for a refund of your premium.

Contact us by telephone: +971 4 270 8705 ;
email at: travel@nextcarehealth.com
or write to: Arab Gulf Health Services – NEXtCARE,
Eiffel Boulevard Limited Building (Eiffel 2)
1st floor,Umm Al Sheif,Sheikh Zayed Road,
P.O BOX 80864, Dubai UAE

Can I buy Allianz Global Assistance travel insurance if I am not a resident of United Arab Emirates?

Can I buy Allianz Global Assistance travel insurance if I am not a resident of United Arab Emirates?

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

Does it matter who I book my travel arrangements through?

Does it matter who I book my travel arrangements through?

No, Allianz Global Assistance travel insurance may be purchased independently.

Does Allianz Global Assistance offer an Annual multi-trip policy?

Does Allianz Global Assistance offer an Annual multi-trip policy?

Yes, apart from policies for single trips of up to 92 days we also offer annual multi-trip cover. The annual multi-trip policy provides cover for any number of trips throughout the policy year, as long as no one trip is booked to last longer than 92 days.

Is there an age limit on the Allianz Global Assistance travel insurance policy?

Is there an age limit on the Allianz Global Assistance travel insurance policy?

Yes, our travel insurance policies are available to persons aged up to 75 years and our additional optional covers like the Winter sports, Hazardous activities and Terrorism extension are available to persons aged up to 65 years.

When does cover begin and end?

When does cover begin and end?

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.

What is the maximum trip length?

What is the maximum trip length?

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 I return home early do I get a refund of my premium?

If I return home early do I get a refund of my premium?

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.

Are there any exclusions to the policy?

Are there any exclusions to the policy?

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.

Am I covered for any existing medical conditions?

Am I covered for any existing medical conditions?

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.


Am I covered for skiing or other adventure activities?

Am I covered for skiing or other adventure activities?

Allianz Global Assistance 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.

Am I covered for loss of cash?

Am I covered for loss of cash?

No, providing that this section is not covered under your policy.

Policy

How do I get my insurance documents?

How do I get my insurance documents?

Allianz Global Assistance 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.

Can I purchase a policy if I have already started my journey?

Can I purchase a policy if I have already started my journey?

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

If I have any queries, who do I contact?

If I have any queries, who do I contact?

Call our customer service line on +971 4 270 8705 or email at: travel@nextcarehealth.com We are available to answer queries 08:30am - 5:30pm Sunday to Thursday. Please note that we are unable to give you any advice on whether this product is suitable for your needs.

Claims

Can I still claim even if I don't have receipts for all my personal possessions?

Can I still claim even if I don't have receipts for all my personal possessions?

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?"

Who do I contact in the event of a medical emergency?

Who do I contact in the event of a medical emergency?

Our medical emergency team is available 24 hours a day to assist you. You can reach them by calling the UAE +971 4 270 8702 ; email at: international_dept@nextcarehealth.com

Who do I contact to make a claim?

Who do I contact to make a claim?

You can download the claim form appropriate to your circumstances by clicking on the Claims tab on the website. Alternatively you can call +971 4 270 8705. We are available to answer queries 08:30am - 5:30pm Sunday to Thursday. email at: travel@nextcarehealth.com

How am I ever going to remember all these different contact numbers?

How am I ever going to remember all these different contact numbers?

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.


How can we help?

Millions of people rely on us! With 1 intervention every 2 seconds, Allianz Global Assistance is the worldwide leader in travel Insurance and assistance services. Winter Sports, Hazardous Activities, Terrorism  Cover ,Single trip or Annual cover: Whatever your need, go ahead, we'll have you covered 24/7.

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Allianz Global Assistance Travel Insurance is underwritten by Alliance Insurance Company P.S.C and serviced by Allianz Global Assistance / NEXtCARE Effiel Boulevard Limited Building 1st floor, Umm Al Sheif, Sheikh Zayed Road, PO Box 80864, Dubai United Arab Emirates.