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The dos and don'ts of travel insurance

Planning that next holiday adventure? Make sure you read these essential tips from AIMEE MCGUINNESS, Chief Underwriting Officer, Allianz Global Assistance.

Getting travel insurance should be an essential part of any overseas trip.

Compared to the overall cost of going away, it’s often a minimal investment. No matter your budget or penchant for planning, it certainly pays to be prepared for the unexpected. 

From skiing accidents to flight delays, a lot can go wrong between booking a trip and coming home –sometimes incurring significant expenses – so it pays to be prepared.




Do choose protection that fits

Allianz encourages travellers to take stock and choose a policy that provides the right kind of cover for the trip they’re taking and their personal circumstances.

Before purchasing a travel insurance policy, it’s important to consider the needs of the trip. Is it a skiing holiday? Are you travelling with valuables? Are there pre-existing medical conditions that need to be considered?

Once the traveller has an idea of their requirements, we recommend they look for a policy that suits. An important step is to check the benefit limits and exclusions in the Product Disclosure Statement (PDS) before purchasing to ensure they are covered at the right level.


DO consider what will happen if you need to claim

It is important to choose a travel insurance provider that is a trusted brand and has round-the-clock assistance available, because accidents do not always happen during business hours – especially takinginto account time differences. 

Allianz has a team of experts, including doctors, nurses and case managers to provide medical assistance and repatriation. These experts are available 24/7 - ready to help travellers when they need itmost.


Travelling globally? DO choose a global provider

If the illness or injury is more serious and a customer needs to be repatriated, the Allianz Group has more than 500 doctors and medically trained employees operating in 34 countries, supported by a global network of multilingual travel and medical assistance specialists, certified service providers and international correspondents.


DON’T lose or throw out paperwork

Each claim and situation is different, however, these are the common types of documents you could be asked to provide as supporting evidence should you need to make a claim:

#If claiming for lost, stolen or damaged belongings, you’ll often be asked for a police report or information that confirms the details of the event and proof of ownership, which could be a receipt or photo of the item, plus a quote or report from a repairer.

#Customers claiming for flight cancellations may need to provide the original travel itinerary, invoices for the portion of the trip the claim relates to and evidence of the flight being cancelled.

#If claiming for an injury or illness incurred during atrip, customers need to provide a medical report from the treating doctor, receipts for any out of pocket expenses and a discharge summary if the customer has been admitted to hospital.


DO choose a provider that offers simple claiming

At Allianz, we make every effort to ensure claiming is as simple as possible for customers. 

With our online claims system, some claims can be paid in minutes and other small claims could take just a few hours. Claims can be easily lodged online or over the phone and are then reviewed by our specialised team, who will contact customers within 10 business days if additional information is needed.


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Written by: AIMEE MCGUINNESS for Traveltalk
Published: 28 February 2020

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