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Frequently Asked Question

Find Answers to All Your Questions

General

Why should I buy Overseas travel insurance?

Answer: 
1  Travel insurance covers unexpected events such as illness or emergencies during your trip.
2  It is also required as a supporting document for visa applications to Schengen countries.

Do you offer travel insurance that covers an entire year?

Answer: Yes. In addition to a single-trip policy with coverage for up to 180 days, we offer an annual policy with options for 31, 90, 120, 180, or 365 days per trip. The annual policy provides coverage for a full year.

Do I need a health check before purchasing travel insurance?

Answer: No. A health check is not required.

Can I postpone my travel date if I cannot travel on the dates specified in the policy?

Answer: Yes. You can postpone your travel date, but you must notify the company before the policy’s coverage start date.

What is the age limit for travelers to be covered under this policy?

Answer: We offer two types of plans:
1  Outbound Travel Plan: Covers travelers aged 6 months to 80 years.
2  Student Plan: Covers students aged 14 to 49 years.

Can I get a refund if I cancel my policy?

Answer: A refund is only available if your visa is rejected, with proof from the embassy. You must notify the company before the policy’s coverage start date. No refund will be provided in other cases.

Coverages

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

Answer: No, your Allianz Global Assistance policy will not be valid if you have already left on your travels.

For hospitalisation, Is there any limitation on the choice of room?

Answer: No, but the room chosen must be suitable for the treatment of each illness, as advised by the attending physician or other medical personnel.

If the insured is injured while skiing or jet-skiing. Can a claim be made?

Answer: Yes, provided that the Insured did not sustain the injury while competing.

Does Allianz Travel Insurance policy cover toothache?

Answer: The coverage under our policies do not include any dental treatment except for injury of natural teeth arising from accident and where treatment is necessary.

If an insured is hospitalised as a result of an accident and consequently dies from causes covered under the policy, what compensation can be claimed?

Answer: Medical expenses incurred, overseas hospital confinement benefit, repatriation, and indemnity for accidental death.

Can a person with pre-existing conditions, such as heart disease or diabetes, purchase travel insurance?

Answer: Yes. However, if the Insured is hospitalized, the policy will not cover these pre-existing conditions or any complication arising from these conditions.

Claims

If the insured is hospitalised due to sickness contracted overseas, must he advance the payment of medical expenses?

Answer: The Insured must advance the payment of medical expenses if they are out-patient. But if the insured are in-patient, the Insured should call our Claim department Thailand Tel. +66 (0) 2 342 3237

If an accident should occur while the insured is overseas and it is necessary to seek treatment from a herbalist or acupuncturist, can the insured claim for such medical expenses?

Answer: No, we will cover medical expenses from a physician only.

If the insured suffer an accident or fall ill during the trip, can he/she purchase drugs for self-treatment and claim for this?

Answer: No, a prescription issued by a registered physician is required.

If the insured is hospitalised because of illness and consequently dies as a result, what compensation can be claimed?

Answer: Medical expenses incurred, overseas hospital confinement benefit and repatriation.

We are ready to cover your trip

Allianz is a global leader in travel insurance and medical assistance services. We offer a wide range of travel insurance plans, including a single-trip plan, an annual plan, or coverage for studying abroad. We are dedicated to providing assistance and protection for you, whenever and wherever we can. We are not limited to insurance and assistance, but we focus on more than that, and all our services are for our valued customers.

Our travel insurance is underwritten by Allianz Ayudhya General Insurance Public Company Limited. Please read and study Travel Insurance Policy for Single Plan, Travel Insurance Policy for Annual Plan and Travel Insurance Policy for Overseas Student Plan that specified all terms and conditions of benefits coverage, exclusions, period of coverage, premium and other relevant information therein. If you have more inquiries or questions, please do not hesitate to contact us for further information or assistance before completing your purchase.

*Terms & conditions apply.