How Can I Find What Is Covered in My Allianz Insurance Trip Insurance?
If you purchase Allianz travel insurance for an upcoming trip, you should familiarize yourself with what it does and doesn't cover in case problems come up during your trip. In general, it covers most but not all unforeseeable events that cost you money. It does not cover any reasonably foreseeable events.
Allianz travel insurance can be a real help if something goes wrong during your trip. It can stop unfortunate events from becoming disasters. However, you should understand what Allianz travel insurance does and doesn't cover before you leave, so you'll know what to expect if worse comes to worst. In brief, Allianz travel insurance covers losses arising from most unforeseen events that happen during your trip.
Foreseeable Events that Allianz Travel Insurance Doesn't Cover
Events that are reasonably foreseeable won't be covered by your Insurance. So, if you have a family member with a chronic illness, for example, your insurance would not cover you having to cut your trip short and rush back home because you could reasonably be expected to foresee that this might happen. As another example, if you book the trip after the National Hurricane Center has forecast a hurricane in the area you are traveling to, losses due to the hurricane will not be covered.
Unforeseeable Events that Allianz Travel Insurance Covers
If, however, a hurricane arises after you have started on your trip, you will be covered for the cost of the trip, the cost of an early flight back, and other incidentals arising out of the storm. If the weather turns bad at an airport while you are on your trip, your Allianz travel insurance will cover the cost of a hotel room and meals while you wait. If you get food poisoning on your trip, you will be compensated. As long as the event could not be reasonably foreseen, you're covered.
Unforeseen Events that Allianz Travel Insurance Does not Cover
Well, you're covered for the most part. There are a number of unforeseeable events that Allianz does not cover. These are:
- War
- Civil unrest
- Natural disasters
- Terrorist events
- Changes to government regulations
- Epidemics
- Sports competitions
- High-risk sports
- Radioactive contamination or other nuclear disasters
- Learning to fly
- Pollution issues
- Travel alerts
Contacting Allianz
If you have any questions about your Allianz travel insurance policy, or if you need help making a claim, contact an Allianz representative. The customer service department can be reached by phone or help forum.
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