5 Common Questions About Travel Insurance You Should Know

We all know that travel insurance is there to protect us whilst we are abroad. However, there are a number of questions that we get asked regularly.

For this reason, we thought we would pop them all, so you can get the answers to these burning questions quickly.

Your policy can be automatically extended for up to a maximum of 30 days from the date of policy expiry if you are delayed from return by a claimable event (such as illness or travel cancellation), or if the carrier you are travelling on, or the carrier that has accepted your fare or luggage, is delayed)

To extend for any other reasons, you must contact our customer service at least 7 days before your policy ends to seek approval and pay any additional fees. This does not guarantee that your extension will be granted.

You can renew or take out a new policy, however you will only be covered from the date you take out the new policy. Any claims made relating to any time before this new policy start date will be rejected.*

A pre-existing medical condition means:

  • An ongoing injury, dental or medical condition of which you are aware, or related complication you have, or the symptoms of which you are aware of;
  • A dental or medical condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;
  • Any condition for which you’re taking prescribed medicine;
  • Any condition for which you have had surgery before;
  • Any condition for which you see a medical specialist before;*

E.g. If someone broke their leg 5 years ago and there have been no problems since, this is not a ‘pre-existing medical condition.’ However, if that person had a heart attack 5 years ago and is now taking routine cholesterol and blood pressure tests, they do have a ‘pre-existing medical condition’ and would be unable to to be covered by our travel insurance policy for this illness or a claim relating to this illness.

  • Yes, any changes to your heath before your date of departure must be declared to your insurer.

We recommend that you take out your travel insurance policy as soon as you have booked and paid for your trip. This is because travel insurance covers you for a range of benefits BEFORE you travel, such as needing to cancel your plans due to unforeseen circumstances.*

Find out more on why you need travel insurance right now even if you are not travelling for weeks.

The latest you are able to purchase travel insurance is 1 day prior to travel date.

We will cover you for losses which may be sustained through an act of terror, natural disasters or extreme weather.*

If you travelled after you were advised against it via any government, official body or mass media, then you will not be covered.

Please read our policy wording for full guidance on this subject.

If you have any additional questions, please take a look at our frequently asked questions page here

If you still have questions unanswered, please do not hesitate to contact us on the details here.

* Subject to the terms, conditions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.