Wander far
Worry less with
Allianz Trip Protect

Family means one (1) or two (2) adults travelling with at least one accompanied child. The two adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults. You must depart from and return to Singapore together at the same time as a family.

Maximum Benefits stated, including sub-limits, are per insured adult named on the Certificate of Insurance. Dependent children share the benefits within the insured adults’ limits unless expressly stated otherwise.

For example, the maximum total limit per insured adult for baggage is $5,000. If two insured adults are travelling with two dependent children, the maximum amount claimable for baggage will be $10,000.

After the premium has been paid by credit card, a confirmation email comprised of the Certificate of Insurance and Policy Wordings will be sent to you within 4 hours of your purchase. The Certificate of Insurance contains your policy number that you must quote for Allianz to render assistance promptly.

Your policy’s coverage effective date and coverage end date are shown on your Certificate of Insurance. Your policy is effective at 00:00 (SGT) on the day after you pay the full premium.  Cover is only provided for events that occur while your policy is in effect.

1. 11:59PM (SGT) coverage end date listed on your Certificate of Insurance or the return date of your trip;
2. the day you end your trip and arrive back to your primary residence, if you end your trip early;
3. the day you arrive at a medical facility in Singapore for further care if you end your trip due to a medical reason;
4. the date and time you cancel your policy;
5. the day you make a trip cancellation claim with us.

Automatic policy extensions: 
Single Trip
If your return travel is delayed beyond the end of your policy due to a covered reason under this policy, Allianz will extend your coverage period until the earliest of when you:
1. reach your final trip destination or your primary residence;
2. decline to continue on to your final trip destination or primary residence once you are able;
3. decline medical repatriation after your treating doctor and Allianz confirm you are medically stable to travel; or
4. arrive at a medical facility in Singapore for further care following a medical evacuation or medical repatriation.

Annual Multi Trip
If you are on a trip on your coverage end date, Allianz will automatically extend your cover for an additional 48 hours after the coverage end date listed on your Certificate of Insurance.
1. If your return travel is delayed beyond the end of your trip or policy due to a covered reason under this policy, Allianz will extend your coverage period until the earliest of when you:
2. reach your final trip destination or your primary residence;
3. decline to continue on to your final trip destination or primary residence once you are able;
4. decline medical repatriation after your treating doctor and Allianz confirm you are medically stable to travel; or
5. arrive at a medical facility in Singapore for further care following a medical evacuation or medical repatriation.

Policy extensions for any other reason:
Single Trip
If for any other reason you wish to extend your coverage, Allianz must receive your request prior to your original coverage end date. Allianz may, at their discretion, agree to extend your coverage by issuing you with a new policy. Your request is subject to their written approval and your payment of an additional premium.

Where Allianz have agreed to extend cover, they will issue you with a new Certificate of Insurance. The coverage period on your new Certificate of Insurance cannot exceed 180 days from the departure date shown your original Certificate of Insurance.

Coverage cannot be extended in any circumstances for:
• pre-existing medical conditions regardless of whether they were covered on your original policy or listed as automatically covered by this policy; or
• any new illnesses, injuries or medical signs and symptoms that arose during the term of your original policy; or
• any other event that has occurred during your original coverage period which has given rise to a claim or which has the potential to give rise to a claim.

Annual Multi Trip
Extending cover past the 90th day of the trip for any other reason:
If you will be on a trip which exceeds 90 days, or if you are on a trip on the coverage end date listed on your Certificate of Insurance, you may apply for an extension. Allianz may, at our discretion, agree to extend your coverage by issuing you with a new single-trip policy to cover the additional days you require cover for.

Allianz must receive your request prior to the 90th day of your trip, or where applicable, prior to the coverage end date listed on your Certificate of Insurance.

The maximum amount of days they will extend your cover past the 90th day is 30 days. Your request is subject to their written approval and your payment of an additional premium.
Where Allianz have agreed to extend your cover, they will issue you with a new Certificate of Insurance. The coverage period on your new Certificate of Insurance cannot exceed 90 days from the departure date shown your original travel itinerary for the relevant trip.

IMPORTANT: Coverage cannot be extended in any circumstances for:
• any new illnesses, injuries or medical signs and symptoms that arose during the term of your original policy or the trip Allianz have agreed to extend your cover for; or
• any other event that has occurred during your original policy or the trip Allianz have agreed to extend your cover for which has given rise to a claim or which has the potential to give rise to a claim.

Single Trip
If you are not completely satisfied with the extent of cover provided by this policy, you may cancel this policy within 14 days after you are issued with your Certificate of Insurance. You will be given a full refund of the premium you have paid, provided you have not started your trip and you do not wish to make a claim or exercise any other right under the policy.

After the cooling-off period you can still cancel your policy but we will not refund any part of your premium if you do.

Annual Multi Trip
Cancellation during Cooling-off period
If you are not completely satisfied with the extent of cover provided by this policy, you may cancel this policy within 14 days after you are issued with your Certificate of Insurance. You will be given a full refund of the premium you have paid, provided you have not started your trip and you do not wish to make a claim or exercise any other right under the policy.

Cancellation after Cooling-off period
After the cooling-off period you can still cancel your policy and we will in such case return a pro rata portion of the paid premium for the unexpired period of insurance if we receive your notice of cancellation within 180 days after you are issued with your Certificate of Insurance, provided you are not on any trip or planned trip covered by the policy at the time you request to cancel the policy and you do not wish to make a claim or exercise any other right under the policy.

You will be entitled to a portion of your paid premium subject to our short period rates as follows:

Any amendment made to this Insurance will not be valid unless endorsed in writing by Allianz authorised officer.

Yes. Kindly refer to the General Exclusion stated in the Policy Wording. 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 you have the cover you need.

Overseas Emergency Medical Care
Allianz will reimburse the reasonable and customary costs for which you are responsible for your emergency medical care, if, during your trip, you require immediate medical attention because you have:
1. a sudden, unexpected illness, injury, or medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
Allianz will reimburse you up to the maximum benefit listed for Emergency Medical and Dental Coverage in your Coverage Summary.

If you need to be admitted to a hospital as an inpatient, Allianz may be able to guarantee or advance payments, where accepted, up to the maximum benefit listed for Emergency Medical and Dental Coverage in your Coverage Summary.

Emergency Dental Treatment
Allianz will reimburse the reasonable and customary costs of your emergency dental treatment, if during your trip:
1. you develop a dental infection; or
2. you break a tooth or experience a dental injury; or
3. you lose a filling.
Allianz will reimburse you up to the maximum sub-limit listed for Emergency Dental Treatment listed in the Emergency Medical and Dental Coverage section of your Coverage Summary.

Hospitalisation Daily Benefit (Applicable for Platinum and Gold plans only)
If you are confined to a hospital outside Singapore because of an unexpected illness, injury, or medical condition, Allianz will reimburse you the maximum amount shown in your Coverage Summary for each continuous 24-hour period you are hospitalised, provided your period of confinement exceeds at least 48 hours. Allianz will not reimburse you for the first 48 continuous hours you are in hospital.

Continuation of medical care in Singapore
Allianz will reimburse you up to the maximum benefit listed in the Coverage Summary for your continuing medical care in Singapore.
The following conditions apply:
i. The illness, injury or medical condition must have occurred during your trip.
ii. The costs must be reasonable and customary costs incurred within 14 days of the date you return to Singapore.
iii. If you did not have treatment for the illness, injury or medical condition during your trip, you must seek treatment within 48 hours of the date and time you arrived back to Singapore or Allianz will not pay.
iv. In all cases, for claims related to COVID-19, you must have received a positive COVID-19 test during your trip or Allianz will not pay regardless of condition iii.

Traditional Chinese Medicine
Allianz will reimburse you up to the maximum benefit listed in the Coverage Summary for Traditional Chinese Medicine.
Kindly refer to the Policy Wording for the conditions of coverage under Overseas Emergency Medical and Dental Coverage:

What is not covered
Allianz will not pay for losses arising directly or indirectly from:
a. private medical care when public health care or treatment is available to you;
b. any care provided for more than 14 days after your return to Singapore from your trip;
c. any care for any illness, injury, or medical condition that did not originate during your trip outside Singapore;
d. hospitalisation or surgical treatment where our prior approval has not been sought and obtained, unless notification is not possible;
e. non-emergency care or services including but not limited to the following care and services:
1. Elective cosmetic surgery or care;
2. Annual or routine exams;
3. Long-term care;
4. Allergy treatments (unless life threatening);
5. Exams or care related to or loss of/damage to hearing aids, dentures, eyeglasses, and contact lenses;
6. Physical therapy, rehabilitation, or palliative care (except as necessary to stabilise you);
7. Experimental treatment; and
8. Any other non-emergency medical or dental care.