Travel Insurance FAQs

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

Here is a step-by-step on how to get a travel insurance quote in our website:

• Click  "Get A Quote"
• Choose the policy type: single trip, annual multi-trip or backpacker
  
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
• When choosing your policy, you will also have the opportunity to select additional cover options such as  Business cover, Winter Sports, Wedding and Golf cover.
  

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

 

If you would prefer to purchase a policy by phone, give us a call on 01 619 3681 (Monday to Friday, 9am - 5pm)

Allianz 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, your travel insurance cover is issued - your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes to print as required (in some instances it can take up to 4 hours to receive the confirmation email). 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. You can be assured that your transaction is as safe as any other normal offline credit card transaction. 

If your cover does not meet your requirements, please tell us within 14 days of the purchase date for a full refund of your premium.

Contact us by:

Telephone: 01 619 3681
Email: insurance@allianz-assistance.ie
Post: Allianz Assistance, 18b Beckett Way, Park West Business Campus, Nangor Road
Dublin 12, D12 R297, Ireland

No, you are only covered if your main home and your doctor are registered within the Republic of Ireland and you have not spent more than six months abroad in the last 12 months. 

No, Allianz travel insurance may be purchased independently.

Yes, as well as policies for single trips of up to 180 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 within this period exceeds the specified individual trip limit. When you purchase an annual multi-trip policy you are offered the choice of a 35, 60 or 90 day individual trip limit. Cover within Ireland/UK is also included although certain terms apply (see policy document for full details). 

There is no maximum age for our Single Trip policy. For our Annual Multi-Trip policy the maximum age is 64 at the date of issue and for the Backpacker policy the maximum age is 35 at the date of policy issued.

You are able to purchase one of our Single Trip polices which has no age limit.

All cover ceases when you return home and unfortunately there is no refund of premium if you return earlier than originally planned.

No, you cannot purchase a policy if you have already left on your travels. You will not be covered at all. If you have an Annual Multi-Trip and your policy is coming to an end, please call our customer service so they can help you in getting an extension of your policy / new policy. 

It may be possible to extend your policy if your personal circumstances have not changed, if you have not made a claim on the policy at the time you extend it, and if you contact us before your policy expires.

Yes, you can make changes if you have not yet made a claim on your policy, by contacting our customer service team . Please note that you may have to pay an extra premium.

Yes, any unforseen emergency medical and associated expenses will be covered so long as:

• Your doctor confirms you were not travelling against medical advice and were fit to travel and able to undertake the planned trip
• You complied with the transport provider's conditions of carriage relating to pregnancy
  You will also be covered for cancellation if you are advised not to travel due to your pregnancy or where you cannot comply with the transport provider’s conditions of carriage

The European Health Insurance Card (EHIC) only entitles you to State healthcare at a reduced cost, or sometimes for free, when you are in a European Union country plus Iceland, Lichtenstein and Norway. The EHIC does not cover any medical treatment in a private hospital or clinic or the cost of additional accommodation or bringing you back home.

It is important to have both an EHIC and travel insurance. If you use your EHIC you will not have to pay the policy excess.

Remember: Few European Union (EU) countries will pay the full cost of all medical treatment, even under the EU’s healthcare arrangements, and the EHIC doesn’t cover private medical treatment. In a medical emergency the closest hospital or the hospital you are taken to may be private.

The cost of medical treatment abroad varies considerably from country to country. While countries in European Union may offer customers treatment in state or public hospitals in other countries the healthcare system is mainly in private hospitals (particularly in the USA and Canada). Medical costs in the USA (particularly California, Florida, Arizona and New York), Canada, Mexico, Dominican Republic, Hong Kong, Singapore and Dubai can be very expensive.

Existing medical conditions are not covered unless they have been declared and accepted in writing by us (the insurer).

You will not be covered for any directly or indirectly related claims arising from the following if in the 12 months before taking out this insurance or booking your trip (whichever is later), you:

a) have been prescribed medication;
b) have received treatment or attended a medical practitioner for any medical condition;
c) have attended a hospital or a clinic as an out-patient or in-patient;
d) have been referred for tests, investigations, treatment, surgery or are awaiting results.
e) have been diagnosed as having a terminal illness.

Unless

You have declared any existing medical conditions to us (the insurer) and we have confirmed cover in writing.
Please read the full Health declaration and health exclusions detailed in the policy wording. 

Our confidential medical screening service can be contacted on 1890 882822 or visit www.azgahealthscreen.co.uk

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. 

Call our customer service line on 01 619 3681 or email:insurance@allianz-assistance.ie. We are available to answer queries between the hours of 9am - 5pm, Monday to Friday. Please note that we are unable to give you any advice on whether this product is suitable for your needs.

Most of our policies include cover against the loss, theft or destruction of your passport whilst on your trip. To claim, you must have an official letter from the consulate you reported the loss to.

Cover includes costs up to the amount shown in your schedule for extra transport, accommodation and administration costs you have to pay to get a temporary passport to enable you to return home. It also includes the remaining value of the original passport that is lost, stolen or destroyed (based on current replacement costs).

Exclusions and conditions apply so make sure you read your policy wording thoroughly.

For Single Trip and Backpacker cover
Cancellation cover begins from the date your policy was issued, which is shown on the email confirmation that was sent to you when you purchased the policy.
All other aspects of the cover are effective from the start date of your trip and finish when you return back to Republic of Ireland or the expiry date of the policy.

For Annual Multi-Trip cover
Cancellation cover begins on the start date of your policy, which is shown on the email confirmation that was sent to you when you purchased the policy or the date you booked your trip, whichever is the later, and finishes at the end of your trip.

Under all policies
Cover ends on the expiry date of your policy, which is shown on the e-mail confirmation that was sent to you when you purchased the policy, unless you cannot finish your trip as planned due to injury, illness or delays to public transport systems.

• Single Trip cover can be purchased for trips up to 180 days. 
• Annual Multi-Trip policy covers you for multiple trips during the year but no one trip within this period exceeds the specified individual trip limit. When you purchase an Annual Multi-Trip policy you are offered the choice of a 35, 60 or 90 day maximum individual trip limit.
• Backpacker cover can be purchased for trips up to 180 days.

You will need to purchase our optional winter sports cover if you are planning a skiing, snowboarding or other winter sports activities. Allianz travel insurance covers many adventurous activities. Please refer to the definition of 'Hazardous activity' within the policy document and  click on this link to see what sport and leisure activities are covered under the policy. 

If in doubt, please give us a call on 01 619 3681 (9am - 5pm, Monday to Friday) or email: insurance@allianz-assistance.ie.

Most of our policies include cover for personal money and have a sub-limit for the amount of cover for cash. There is a summary of cover provided during the quote process and also in the policy wording. Terms, conditions and exclusions apply, so please read it carefully.

Your baggage is covered in the ‘personal possessions’ section of your travel insurance policy.

Most of our policies include cover against loss, theft or damage to personal possessions up to a specified limit, as stated in your summary of cover. Some policies also include cover against delayed arrival of your personal possessions.

However, some policies do not include personal possessions cover, and in all cases, conditions and exclusions apply. Therefore it is essential that you read your policy document thoroughly to ensure you have the appropriate cover for your needs.

No, there is no obligation to let us know every time you travel. However if you have any questions about your travel insurance or cover, do not hesitate to contact us.

Yes. You will be covered for holidays in Ireland, the UK and Channel Islands. However some terms and conditions do apply. You must have your transport and accommodation booked in advance, and your trip must be more than 25 miles from your home (unless it involves a sea crossing).

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 to the emergency medical expenses, cancellation, curtailment and personal accident sections of cover. Please read the policy wording carefully to ensure the cover meets your needs. 

Existing medical conditions are not covered unless they have been declared and accepted in writing by us (the insurer).

You will not be covered for any directly or indirectly related claims arising from the following if in the 12 months before taking out this insurance or booking your trip (whichever is later), you:

a) have been prescribed medication;
b) have received treatment or attended a medical practitioner for any medical condition;
c) have attended a hospital or a clinic as an out-patient or in-patient;
d) have been referred for tests, investigations, treatment, surgery or are awaiting results.
e) have been diagnosed as having a terminal illness.

 

Unless

You have declared any existing medical conditions to us (the insurer) and we have confirmed cover in writing.
Please read the full Health declaration and health exclusions detailed in the policy wording. 

Our medical emergency team is available 24 hours a day to assist you. Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or may have to return home early or extend your stay.

Call us on 00353 1 637 3686 or email: medical@allianz-assistance.co.uk.

 

Yes. Claims without receipts will still be considered. Please be aware though that you will still be asked to provide alternative 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 for most things and particularly expensive items.

Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. Terms, conditions and exclusions apply, so please read the Policy Document carefully to avoid any surprises if you need to claim for personal possessions.

You can complete a claims form or mail us, please check all the information in the File a Claim page. Alternatively, you can call 01 619 3682 (Monday to Friday, 9am – 5pm) or visit our online claims portal at www.azgatravelclaims.com.

 

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  'Contact Us' tab on the website.

There is an excess payment for some sections of your travel insurance policy; this means you will be responsible for the first part of your claim for each section, for each insured person making a claim.

This excess payment varies according to the policy and level of cover you have purchased. You will find full details in your policy wording.

It is your responsibility to ensure the information you have given us is accurate to the best of your knowledge. It is also your responsibility to let us know if your circumstances have changed.

Incorrect information could invalidate your insurance policy and result in us declining to pay a claim. We do not charge an administration fee to update your information, but certain changes to circumstances may affect your policy premium.