To understand what is excluded from your Travel Insurance policy, refer to the General Exclusion section of your Product Disclosure Statement (PDS), in addition to the specific exclusions that apply to each section or benefit in the policy. For cancel for any reason plans, insuring the full trip cost is required. There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia website for a list of alternative providers. At Allianz Global Assistance, we design our travel insurance products to include a broad range of covered reasons, because we want to protect our customers from the most common mishaps that happen while traveling. How does the Level 4 travel warning, issued by The Australian Government, impact my policy? Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? You may be eligible for a refund. To get “cancel for any reason” coverage you’ll have to purchase a base travel insurance plan and add “cancel for any reason” coverage within 14 to 21 days of your first trip payment. quote.start_date : "Date"}}, View all of our travel insurance products. We will refund the ‘unused’ portion of your premium. Ask us for more details before we provide you with any services on this product. If I have travelled to a country that is not impacted by COVID-19, will I be covered? Keep in mind that if you cancel for a covered r… A General Exclusion (or sometimes termed a Policy Exclusion, or Exclusion) is an exclusion which will be applied across all sections of the policy, and applies regardless of when the policy was purchased. Finally, the Allianz Airline Travel Insurance policy does not have a Cancel for Any Reason benefit. If a situation’s not named, it’s not covered. If you cancel, you must do so at least 48 hours … Please note, eligibility criteria applies. (Here’s a more detailed explanation of how travel insurance covers family members.). Travelers who opt for CFAR will need to insure 100% of their pre-paid and non-refundable trip costs and buy it within a set amount of days from their initial trip payment (usually 21 days or less) in order to be eligible for this optional upgrade. CFAR coverage is … If you travel to a country where affected by COVID 19, a number of factors will determine whether your claim is covered. Plans only available to U.S. residents and may not be available in all jurisdictions. The quickest way to process your refund is via our COVID-19 Insurance Refund Portal. Stay up to date on Travel Information for COVID-19 from the DFAT's Smartraveller website and the World Health Organisation . Please note, this policy excludes claims arising from, or associated with, travel to countries or parts of a country for which advice or warning has been released by DFAT or any other government department or official body, and the advice or warning risk rating is “Reconsider your need to travel” or “Do not travel” (or words to that effect). Allianz Travel offers a Cancel Anytime product, which is similar to a Cancel for Any Reason policy, and is available through travel agencies. Please see your plan for full details. Definitions may vary so it’s important that you refer to your PDS for any specific definition applicable to your cover. {{annualTravelBanText}} {{travelBanDateFormatted}}. In the first instance we recommend you contact your travel provider to re-arrange your flights. For a travel insurance plan to cover cancellation of a trip for any reason whatsoever, there are specific plans under the label “cancel for any reason travel insurance”. Yes, the list of covered reasons for your plan includes “a natural disaster renders your home or your destination uninhabitable”; but you knew the storm was coming when you bought the plan. Travel Insurance is underwritten by the insurer Allianz. Yes, World Health Organisation declared COVID-19 a pandemic. 296559 is the insurer of any life insurance products offered on this website. See your plan details for additional information. CFAR covers up to 50-75% (depending on provider and plan) of pre-paid and non-refundable expenses and deposits if the trip must be canceled for any reason. If the claim arises from or relates to COVID-19, then the General Exclusion for epidemic/pandemic may apply and cover may be excluded. Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason. For instance, if you purchase travel insurance for your Bahamas vacation when a named hurricane is already barreling toward your destination, and then your beach house gets smashed, your trip cancellation would not be covered. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. Read our. Terms, conditions, and exclusions apply. No medical or blood tests are required to apply and you can get a preliminary quote in minutes. Date changes are permitted, however eligibility criteria applies. If you’re not satisfied with the coverage, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. Plans only available to U.S. residents and may not be available in all jurisdictions. If the claim was declined due to COVID-19, you may be eligible for a refund. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. A foreseeable event is an outcome that a reasonable person in similar circumstances would expect to occur. – No Cancel for Any Reason Benefit. What portion of your premium will be refunded? You must purchase the insurance within a certain duration of your initial trip deposit – varies from 24 hours to 21 days. 1. *Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. Before making a decision please consider the product disclosure statement available at www.allianz.com.au. Please correct the validation errors above before proceeding. Your travel provider can provide you with more information about your options for adjusting your travel itinerary or obtaining refunds. Does my policy have a General Exclusion for a Pandemic? So if standard option for a $5,000 trip costs $500 (10%), the extra coverage would add $200 to that (40% of $500). Here’s what you need to know about covered reasons and trip cancellation insurance. Allianz Airline Travel Insurance – No Cancel for Any Reason Benefit. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site. But add cancel for any reason coverage quickly if you want it, … Refunds are available for customers if you have not made a successful claim on your policy (i.e. Depending on the plan you choose, there may be up to 28 covered reasons for interrupting or canceling your trip. Covered reasons are certain situations and events that, when they occur, mean you may be eligible to make a claim. And if the accident / insurance event occurs, the insurance … The refund amount is calculated from the date you returned home from your journey until the end date of the policy. *Sub-limits and exclusions apply. *For WA residents, Rental Car Damage and Theft Coverage may not be available in all plans. There are also some eligibility requirements for cancel for any reason travel insurance coverage, which can only be … Finally, the Allianz Airline Travel Insurance policy does not have a Cancel for Any Reason benefit, which means that you cannot play the Airline Ticket Hack game against the airlines using the Allianz Travel Insurance … We are offering eligible customers who purchased travel insurance prior to 18 March 2020, and whose travel plans have been cancelled or shortened due to COVID-19, the option to cancel the remainder of their policy, and obtain a refund for the unused premium portion.. That’s why trip cancellation is one of the most valuable benefits in your travel insurance plan. If you are overseas currently and require urgent medical assistance, please contact us immediately to discuss your case. To understand what each warning level means, visit Smartraveller to find more information. Contact AGA Service Company at, or 9950 Mayland Drive, Richmond, VA 23233 or, how travel insurance covers family members, Tips For Dealing With a Trip Cancellation, Trip Delay, Trip Interruption, and Trip Cancellation Insurance Explained, Plan B: When Trip Cancellation Doesn't Mean Trip Cancellation. Depending on the policy, this benefit reimburses … Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade's (DFAT) Smartraveller website and World Health Organisation. And a pet is not considered a family member, although a service animal (as defined by the Americans with Disabilities Act) is. Please ensure that you review the terms, conditions and exclusions of this policy for further details. 18 March 2020, when the Australian Government increased travel restrictions to Level 4, Do Not Travel for all international destinations; OR, The date you requested to cancel your policy; OR, The date your trip was due to commence (if this date was before 18 March 2020). Eligible customers who purchased Travel Insurance on or after 18 March 2020 will be given the option to cancel their insurance and receive a full refund of the premium. Plans include insurance benefits and assistance services. *, Up to $1.5 million total cover depending on your age. This coverage requires purchase within a certain number of days of making your initial trip deposit (see table below). Allianz Comprehensive Car Insurance covers you for: Choose from a range of home insurance packages as well as optional extras to protect your home. 24, with Cancel for Any Reason coverage for a … For policies that cover journey cancellation, cover starts as soon as you buy your policy, and so your premium starts to be used immediately from the time of purchase. Travel … 234708 is the insurer of any general insurance products offered on this website. If I go on my trip and contract COVID-19, will I be covered? No problem. The exception is an optional upgrade to most travel insurance plans known as “Cancel for Any Reason” coverage, or CFAR. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Even if you have very few pre-paid costs, or are certain nothing could interrupt your trip, we have travel insurance plans for other common what-ifs. 1. You're better off planning the trip for another time. If you choose to travel overseas despite the current government warning in place, you may not have cover under this policy. Please ensure that you review the terms, conditions and exclusions of the policy for further details. The Cancel for Any Reason (CFAR) option is available as an upgrade on several of our comprehensive travel insurance plans and is a great option that allows travelers to cancel their trip for any reason that … Make sure you understand all the definitions, too. Type the country where you will be spending the most amount of time. Conditions, terms, limits and exclusions apply. What does the Level 4 Travel Warning, issued by Smartraveller, mean? Please call us on 1300 726 087 (Monday – Friday 8am – 7pm AEST; Saturday 8am – 5pm AEST) or email us at travelsales@allianz-assistance.com.au, This varies depending on the circumstances; changing dates may incur an additional premium. By Clicking ACCEPT or continuing to browse the site, you are agreeing to our use of cookies. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. The initial trip deposit date determines eligibility to purchase cancel for any reason insurance, pre-existing conditions waiver and a … Please ensure you review the terms, conditions and exclusions of this policy for further details. Copyright © 2021 Allianz Australia Limited ABN 21 000 006 226. Your quote has been has been successfully saved to your account. If you did not travel or did not start your journey, If your policy provided journey cancellation cover, you will be refunded the portion of your premium relating to the period after. The … Yo… What do we mean by the ‘unused’ portion (the refundable portion) of your premium? We are offering eligible customers who purchased travel insurance prior to 18 March 2020, and whose travel plans have been cancelled or shortened due to COVID-19, the option to cancel the remainder of their policy, and obtain a refund for the unused premium portion. This site uses cookies to improve your user experience and analyze site traffic. Allianz's Landlord Insurance takes care of the property and the contents items you provide for your tenant's use. 101-C series or 101-P series, depending on your state of residence and plan chosen. Why does it work like this? Of course, the exact conditions vary based on the insurance plan that you purchase. Check with your travel provider, as well as Smartraveller and World Health Organisation for up to date information. In addition, we strongly encourage you to be fully informed of the risk of travel. Your Travel Insurance PDS includes a definition of a Pandemic and/or Epidemic. We are redirecting you to our sign-in page. {{quote.travel_dates ? 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. If you or your traveling companion suffers an illness, injury or medical condition that's disabling enough to make a reasonable person cancel a trip, Allianz Global Assistance considers that a … Benefits/Coverage may vary by state, and sublimits may apply. Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment. For instance, “immediate family member” and “family member” mean different things. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice), Damage you cause to other people's cars or property, Cover for your residential investment property. • You or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date. These covered reasons vary according to the plan you purchase, but here are some examples: • A terrorist event happens at your destination within 30 days of the day you're scheduled to arrive.• The insured traveler, traveling companion or a family member suffers a serious covered illness or injury.• The insured traveler, traveling companion or a family member dies.• You or a traveling companion are terminated/laid off from your job through no fault of your own, after your effective date of coverage, after working there at least 12 continuous months.• Your airline, cruise line or other carrier ceases services for at least 24 consecutive hours due to a strike, natural disaster, bad weather or FAA-mandated shutdown.• You need to attend the birth of a family member’s child.• Your destination is rendered uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.• You or a traveling companion is in a traffic accident on the way to your point of departure, and you or the traveling companion need medical attention or the car needs to be repaired because it's not safe to drive.• A natural disaster renders your home or your destination uninhabitable. If I am quarantined, will my policy cover my loss of income? If I travel to a country with COVID-19 cases, will I be covered? If the reason that you want to cancel your trip arises from or relates to COVID-19, then the General Exclusion for an epidemic/pandemic will apply and cover is excluded. For policies that do not cover journey cancellation, cover starts at the beginning of your journey, and so your premium starts to be used when you commence your journey. 3. In a search on Squaremouth, eight policies appeared for a simple travel insurance request for a one-week trip to Mexico departing Mar. You may not be covered for claims arising from COVID-19 should you decide to travel. All claims for cancellation will be assessed in accordance with the facts and circumstances relating to the cancellation and in accordance with the terms, conditions and exclusion of your policy. If a situation’s not named, it’s not covered… What is Cancel for Any Reason insurance, actually? You must be signed in to save your quote. Please ensure you review the terms, conditions and exclusions of this policy for further details. Will I be covered if I re-arrange my flights? 234708 (Allianz). Terms, conditions, limits and exclusions apply. The portion of premium you have used depends on a number of factors, including your travel dates and whether or not your policy contained journey cancellation cover. Trip Cancellation Definition: Your trip is canceled before you get started for a covered reason. Landlord insurance takes care of the property and the World Health Organisation declared COVID-19 a Pandemic your... 27 076 033 782 AFS Licence No your obligations and managing your claims difficult, issued by the Australian,! Which plan is best for your tenant 's use to have all the they... Costs and improving employee well-being for COVID-19 from the DFAT 's Smartraveller website and the contents items provide. 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