We recommend customers contact their travel provider in the first instance to determine the options available for having travel expenses refunded or travel arrangements altered. 2. 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. That’s why trip cancellation is one of the most valuable benefits in your travel insurance plan. What portion of your premium will be refunded? Of course, the exact conditions vary based on the insurance plan that you purchase. Before we delve into the details, it’s useful to understand trip … 296559 is the insurer of any life insurance products offered on this website. You may not be covered for claims arising from COVID-19 should you decide to travel. Travel … 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”. *, Up to $1.5 million total cover depending on your age. The exception is an optional upgrade to most travel insurance plans known as “Cancel for Any Reason” coverage, or CFAR. Is Allianz Travel Insurance Worth It? 1. 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. 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. Have questions? 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). 4. If I go on my trip and contract COVID-19, will I be covered? While the current government warning of “Do not travel” remains in place, this policy may not provide cover even if your claim arises from an event unrelated to COVID-19. By Clicking ACCEPT or continuing to browse the site, you are agreeing to our use of cookies. 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. Please ensure that you review the terms, conditions and exclusions of this policy for further details. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. 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. 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. 2. 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). Workers compensation operates under complex state-based legislation that can make understanding your obligations and managing your claims difficult. If you choose to travel overseas despite the current government warning in place, you may not have cover under this policy. Usually, this benefit is an additional charge on the plan, but it comes with … Targeted risk management advice to reduce workplace risk. 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. Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. If a situation’s not named, it’s not covered… Please note, this policy excludes claims arising from, or associated with, travel to countries or parts of a country for which an 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). 3) Trip Cancellation for Any Reason coverage is not available to residents of New York. Please see your plan for full details. If you are overseas currently and require urgent medical assistance, please contact us immediately to discuss your case. If I travel to a country with COVID-19 cases, will I be covered? quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? Allianz Airline Travel Insurance – No Cancel for Any Reason Benefit. In addition, we strongly encourage you to be fully informed of the risk of travel. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. Call us via phone: +61 7 3305 7499. 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. Make sure you understand all the definitions, too. It doesn’t. Yes, we recommend all travellers to contact their travel provider/s to discuss their travel plans. Stay up to date on Travel Information for COVID-19 from the DFAT's Smartraveller website and the World Health Organisation . If your claim arises from an event unrelated to COVID-19, then it will be assessed in accordance with the terms, conditions and exclusions in the PDS. You're better off planning the trip for another time. The refund amount is calculated from the date you returned home from your journey until the end date of the policy. This site uses cookies to improve your user experience and analyze site traffic. We do not provide advice based on any consideration of your objectives, financial situation or needs. 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. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. There are also some eligibility requirements for cancel for any reason travel insurance coverage, which can only be … Allianz Comprehensive Travel Insurance policies provide cover for overseas emergency hospital or medical expenses, overseas emergency medical assistance, lost or stolen luggage and travel documents, cancellation … If you travel to a country where affected by COVID 19, a number of factors will determine whether your claim is covered. Terms, conditions, and exclusions apply. ‘Cancel for any reason’ coverage may be included with trip cancellation coverage or it may be a selectable option that has to be added to a policy (for an additional fee). If the claim arises from or relates to COVID-19, then the General Exclusion for epidemic/pandemic applies and cover will be excluded; If the claim arises from or relates to COVID-19, then the General Exclusion for epidemic/pandemic applies and cover will be excluded. Ask us for more details before we provide you with any services on this product. 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. So if standard option for a $5,000 trip costs $500 (10%), the extra coverage would add $200 to that (40% of $500). Terms, conditions, limits and exclusions apply. Can I still make a claim for consideration? Should a General Exclusion apply, this means that your Travel Insurance policy does not provide cover for the specified event, activities or circumstances. Yes, your Travel Insurance PDS excludes claims arising from, related to or associated with an actual or likely epidemic or pandemic or the threat of an epidemic or pandemic. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. World Health Organisation and Smartraveller provide up-to-date information on COVID-19. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Your Travel Insurance PDS includes a definition of a Pandemic and/or Epidemic. Depending on the policy, this benefit reimburses … When you purchase travel insurance from Allianz Global Assistance (or any other company), the plan names specific covered reasons for trip cancellation, trip interruption, and other benefits. 101-C series or 101-P series, depending on your state of residence and plan chosen. Please note, this policy excludes claims arising from, or associated with, travel to countries or parts of a country for which an 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). Our proven return to work record, reducing claims costs and improving employee well-being. If you choose to travel overseas despite the current government warning in place, you may not have cover under this policy. What do we mean by the ‘unused’ portion (the refundable portion) of your premium? Will I be covered if I re-arrange my flights? If you commenced your travel but had to shorten your journey, the refund amount is calculated based on proportion of the policy that remains unused as at the date you returned home. In a search on Squaremouth, eight policies appeared for a simple travel insurance request for a one-week trip to Mexico departing Mar. 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. 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 … And if the accident / insurance event occurs, the insurance … Read our. Comprehensive Travel Insurance add-on options include our Snow Pack, Cruise Pack, Adventure pack and Additional item limits, Up to $5M cover for personal liability with our Comprehensive Plan. Before making a decision please consider the product disclosure statement available at www.allianz.com.au. 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. Yes, you can make your claim online at www.travelclaims.com.au. If every travel insurance policy covered every possible scenario, the cost of insurance would shoot sky-high. Does my policy have a General Exclusion for a Pandemic? To be covered under the Cancel For Any Reason benefit, a traveler must cancel their trip in its entirety at least 2-3 days before their scheduled departure date. Please call us on 1800 440 806 (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at TravelHelpdesk@allianz-assistance.com.au. If you make any additional payments that were not already included in the initial trip cost, you must purchase the additional insurance within the same duration constraints. If I have travelled to a country that is not impacted by COVID-19, will I be covered? Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com. Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. But add cancel for any reason coverage quickly if you want it, … Your session has expired. Please contact us with questions and safe travels! 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. allianz travel insurance cancel for any reason is a tool to reduce your risks. 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, “immediate family member” and “family member” mean different things. CFAR coverage is … Your quote has been has been successfully saved to your account. How does the Level 4 travel warning, issued by The Australian Government, impact my policy? The quickest way to process your refund is via our COVID-19 Insurance Refund Portal. If your claim is unrelated to COVID-19, then it will be assessed in accordance with the terms, conditions and exclusions in the PDS. Travel insurance can reimburse your prepaid, non-refundable expenses if you must cancel … 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. En español | Most basic travel insurance plans are not likely to cover policyholders’ costs if they cancel planned travel to areas of the world affected by coronavirus — even though the Department of State has raised its global health advisory for U.S. citizens to Level 3, which means Americans should reconsider travel … If you choose to travel overseas despite the current government warning in place, you may not have cover under this policy. We are temporarily ceasing sales of Travel Insurance. In other words, if you're buying travel insurance with a specific scenario in mind — "I'll probably have to cancel this trip because of X" — then it's likely to be a foreseeable event. If the claim was declined due to COVID-19, you may be eligible for a refund. 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. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. In the first instance we recommend you contact your travel provider to re-arrange your flights. Refunds are available for customers if you have not made a successful claim on your policy (i.e. Please note, eligibility criteria applies. The … Travel insurance does not cover losses that arise from expected or reasonably foreseeable events or problems — even if that event or problem is listed as a covered reason. 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. A foreseeable event is an outcome that a reasonable person in similar circumstances would expect to occur. *Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. Pandemic generally means a form of an Epidemic that extends throughout an entire continent or across continents. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site. Not sure which plan is best for your situation? – No Cancel for Any Reason Benefit. Following the advice of the Australian Government for Australians not to travel overseas, and the decisions of a number of Australian State and Territory Governments to impose travel and other restrictions, Allianz Global Assistance is temporarily ceasing the sale of new domestic and international Travel Insurance policies effective from Friday 27 March 2020. Buying cancel for any reason coverage will give you an escape hatch from a trip that’s turning sour, no matter the reason. 3. 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. Cancel for any reason, also known as CFAR in the insurance industry, is an add-on to certain traditional trip insurance policies. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Please sign in to proceed. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. If you are re-arranging travel to a country affected by COVID-19, a number of factors will determine whether you claim is covered. Type the country where you will be spending the most amount of time. Whilst the current government warning of “Do not Travel” remains in place, this policy may not provide cover even if your claim arises from an event unrelated to COVID-19. 234708 (Allianz). If you were referred by a travel agent, enter the ACCAM number provided by your agent. If I am quarantined, will my policy cover my loss of income? We want travelers to have all the information they need to make an informed decision. This is a test environment. For cancel for any reason plans, insuring the full trip cost is required. (Here’s a more detailed explanation of how travel insurance covers family members.). 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. What is Cancel for Any Reason insurance, actually? 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