Frequently Asked Questions

Yes. Standard policies are available for travellers aged from 30 days old up to 85 years old. The optional Sports Add-on and Ski Insurance Cover are available for travellers up to 65 years old. If you are between 65 and 85, the Senior Travel Insurance plan is recommended.

Single Trip policies cover trips up to 90 days.

Annual Multi-Trip policies cover unlimited trips within a 12-month period, with no single trip exceeding 90 days.

There is no cover under any Allianz policy for any portion of a trip that exceeds 90 days.

Yes. The Annual Multi-Trip policy covers unlimited international trips of up to 90 days each for a full 12-month period, under a single annual premium.

 No. Standard policies exclude claims arising directly or indirectly from pre-existing conditions. A pre-existing condition includes any condition for which you are taking prescribed medication, receiving ongoing treatment, awaiting test results, or for which you have previously had surgery. Read the Health Declaration page for the full list of exclusions.

Yes. Exclusions include pre-existing medical conditions, activities not covered under your plan (unless an add-on is purchased), countries at war, alcohol or drug-related incidents, and losses caused by acts of terrorism (unless terrorism cover is added). Read the full policy document for all exclusions.

Yes, but with conditions. Loss of cash is covered under Section K: Personal Money Protection on the Standard and Premium plans only.

You are covered for cash that is:

• Withdrawn from an ATM during your trip
• Stolen or accidentally lost within 4 hours of withdrawal
• Either carried on your person or stored in a locked safety deposit box

Please note: Cash not withdrawn from an ATM, cash older than 4 hours from withdrawal, travellers cheques, and credit cards are not covered. In case of theft, a police report or witness statement is required to support your claim.

Read the full policy document for all exclusions.

For Single Trip policies: cancellation cover begins from the date your policy was issued. All other cover (medical, baggage, delays) begins when you depart on your trip and ends when you return.

For Annual Multi-Trip policies: cancellation cover begins on the policy start date or when you booked the trip, whichever is later. All other cover starts at the beginning of each trip and ends when you return.

No, the premium itself is not refunded if you return home early.

However, if your trip is cut short, you may be able to claim under the Trip Curtailment Coverage. This benefit helps you recover non-refundable, unused trip costs when you have to end your trip early.

Key points:

- Trip Curtailment Coverage applies when you have to end your trip early and need to recover non-refundable unused trip costs

- There is also Early/Delayed Return Coverage that can help recover additional transportation costs for returning home earlier or later than originally planned

- The specific maximum benefit and deductible amounts depend on the policy purchased.

Read the full policy document for exact limits per plan.

All Allianz policy documents are digital. Once your payment is complete, a confirmation email containing your policy document, certificate of insurance, and all relevant documentation is sent to your registered email address within minutes. No physical documents are posted.

Check your spam and junk folders first. If documents are not there, contact us and we will resend them.

• Phone: +971 4 270 8705
• Email: travel@nextcarehealth.com

The full Terms and Conditions are available to download from our Policy Document page.

Policy changes after purchase are generally not possible. Travellers cannot be added or removed after a policy is issued. For specific queries about amending a policy, contact us directly and we will do our best to help.

• Phone: +971 4 270 8705
• Email: travel@nextcarehealth.com

Call +971 4 270 8705 immediately. This line is available 24 hours a day, 7 days a week. Do not wait until you return home. Notifying us promptly is essential for claim eligibility and allows our team to coordinate care.

• Emergency email: assistance@nextcarehealth.com

File your claim online through our claims portal, or contact the claims team by phone or email.

Submit all relevant documentation as promptly as possible after the incident.

• Online claim portal: travelclaims.tatsh.cloud
• Claims email: travel.claims@nextcarehealth.com
• Phone: +971 4 270 8705

Processing time depends on the complexity of the claim and how quickly all required documentation is received. A claims assessor will contact you for any additional information needed. Submit all documentation at the time of filing to avoid delays.

Yes, claims will still be considered. However, you must provide some proof of ownership for each item claimed. Acceptable evidence includes photographs, warranty cards, bank or credit card statements, and purchase receipts. The stronger the evidence, the more straightforward the claim assessment.

All relevant contact numbers are printed on the first page of your policy document as well as the email sent out. Download your policy document from your email or the Policy Document page and keep a copy accessible during your trip.

Yes — skiing, snowboarding, sledding, and tobogganing on marked trails and designated areas are covered under a standard policy. No add-on is required for on-piste winter sports.

However, if you plan to ski or snowboard off marked trails (off-piste), you will need the Sports Add-on. With the add-on, off-piste skiing and snowboarding is covered unless the area has been designated unsafe by resort management.

Please note: Heli-skiing and heli-accessed terrain are always excluded and cannot be covered even with the Sports Add-on.

Many activities are automatically covered under a standard policy, including hiking/trekking up to 4,500 m, scuba diving to 20m (with a dive master), mountain biking, horse riding, jet skiing, snorkelling, and recreational go-karting.

The Sports Add-on unlocks coverage for higher-risk activities such as:

• Skydiving, hang gliding, and parachuting
• Bungee jumping
• Caving, abseiling/rappelling
• Indoor climbing (with safety equipment)
• Scuba diving to 30 m (certified divers may dive without a dive master)
• Free diving to 10 m
• Off-piste skiing and snowboarding
• Motocross / off-road motorsport (non-racing)
• Go-kart racing

The add-on must be purchased at the time of the original policy purchase and is available to travellers aged 0–65.

All activities must be arranged as part of your trip, provided by a regulated/licensed company, and you must wear all recommended safety equipment.

No. Neither the standard policy nor the Sports Add-on covers professional sporting activities, any form of racing other than go-kart racing (which requires the Sports Add-on), or any form of manual labour.

Step 1 - Start Your Travel Insurance Quote

Use the quote tool at the top of all page. Enter your travel dates, destination, and traveller details

Step 2 - Select "Yes" for Sports Cover:

Within the quote bar, you'll be asked "Do you want sports cover?" - Select "Yes" from the dropdown.

Step 3 - Choose Your Plan

You'll then see the available plans - Schengen, Standard, and Premium - all including sports cover with varying levels of limits. Compare the options and choose the one best suited to your needs.

Step 4 - Checkout and Receive Your Certificate Instantly

Complete your secure online payment. Your travel insurance policy documents and certificate are emailed to you immediately.