Allianz Travel Insurance FAQ section! 

Travel insurance exists to protect you from certain financial risks and losses that can occur while travelling. Trip cancellation and interruption benefits can reimburse you for non-refundable, pre-paid trip costs (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason. Depending on the travel insurance you purchase, insurance can also provide you with crucial assistance in a medical emergency; reimburse you for losses caused by a covered travel delay, baggage delay or baggage loss/damage; and help in other situations as well (listed in the Policy Terms and Conditions).

Non-refundable costs may include pre-paid trip deposits/payments related to services purchased with Allianz Ireland that would be lost if you had to cancel prior to trip departure for a covered reason.

The travel insurance policy only covers people who are named as being insured on the certificate of insurance. Family members and/or travel companions are not covered unless they’re named in the certificate of insurance.

You can submit a policy cancellation request via  [email protected]. You will be issued a refund if you cancel within the policy cancellation period shown in your confirmation email, provided no claim has been (or will be) made and your trip has not started. 

The insurance policy number is shown in the confirmation e-mail you have received and in the certificate of insurance provided to you after purchasing your insurance.

No, travel insurance does not provide cover for changing your mind about travelling.

No, travel insurance does not cover cancellation by the travel provider. Only cancellations made by you, as a result of a covered reason, are considered under your travel insurance. 

To obtain a refund in case of cancellation by the hotel, we suggest you to contact the travel provider customer service directly.

Please be aware that pre-existing medical screening is not currently offered with any of our current travel insurance products, meaning we cannot extend the policy to cover pre-existing medical conditions. We are actively working to reinstate this feature. If you find the cover does not meet your needs, you may cancel your policy within the 14-day cooling-off period, in accordance with the terms and conditions.

Yes, if you miss your flight due to a delay from a travel carrier (such as a flight, train, or bus) or local public transport, you are eligible for reimbursement for additional transport expenses incurred to either reach your destination or return home.  
To view the full list of covered events, please refer to policy Terms & Conditions.

No, the insurance does not cover reimbursement if you miss your flight due to a reason that was within your control.

If your flight is delayed you can get refunded for accommodation, transport and meal expenses while you wait. There is a minimum delay period before you become eligible for reimbursement, please refer to the policy Terms & Conditions for full details. 
This cover is complementary to any refund or reimbursement you may get from the airline. 

If your baggage is lost, damaged, or stolen while you are on your trip, you will be reimbursed for the cost to repair or to replace it. You can view the detailed conditions and exclusions in the policy Terms & Conditions. 

If your baggage is delayed by the airline, you will get reimbursed for the expenses incurred for the purchasing essential items until baggage arrives. There is a minimum delay period before you become eligible for reimbursement, please refer to the policy Terms & Conditions for full details. 
This cover is complementary to any refund or reimbursement you may get from the airline.

The Emergency Medical coverage allows you to: 

• Be reimbursed for the unforeseen emergency medical expenses that you may incur during your trip abroad, such as a visit to a local doctor for a minor health issue (for example gastroenteritis or sore throat ), medical tests and/or medication prescribed by a local doctor (for example blood tests or radiology exams), emergency dental expenses (for example to treat a severe toothache). 
• Benefit from the payment of hospital expenses, if you need to be admitted to a hospital as an inpatient following an accident or serious health problem (for example hospitalisation costs, surgery or examinations). 
• Benefit from the payment of the medically necessary transport to the nearest hospital or appropriate medical facility, as well as medical repatriation to your home following a covered illness or injury.

All decisions about your repatriation must be made by medical professionals. If you become seriously ill or injured or develop a medical condition, you or someone on your behalf must contact our Allianz medical assistance service, and we must make all transport arrangements in advance. If we did not authorise nor arrange the transport, we will only pay up to what we would have paid if we had made the arrangements and will not be responsible for any transport arrangements that we did not authorise or arrange. 

Please be aware that: 

• A sprain or a cold will not be sufficient to justify medical evacuation or repatriation.
• Transport will only be possible if your condition is stable and/or if you are medically able to be transported.

Our medical assistance service is available 24/7 by calling 00353 (0)1 637 3686.
You can also contact us at [email protected] 

Yes, there are exclusions in travel insurance policies. These are specific situations or circumstances where the insurance cover does not apply. Some common exclusions may include high-risk activities such as extreme sports, acts of war or terrorism. The list of general exclusions and exclusions specific to each cover are all featured in the policy Terms & Conditions.