This review covers Allianz Australia Basic Travel Insurance, an international travel plan focused on overseas emergency medical and hospital expenses, emergency assistance and personal liability. It does not include many common trip-protection benefits, including cancellation, baggage and travel-delay cover. “Allianz Basic” can refer to different products or markets, so check that this Australian policy is the one you mean.
What does Allianz Basic cover?
Allianz describes Basic as covering overseas emergency medical and hospital expenses, overseas emergency assistance and personal liability. Its FAQ also refers to emergency dental expenses arising from an injury or sudden pain, and repatriation. These benefits are subject to the policy’s terms, definitions, limits and exclusions; the insurer’s product summary is not a guarantee that a particular expense will be paid. Allianz’s Basic plan page outlines the advertised cover.
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What does Allianz Basic exclude?
Allianz’s product page says Basic does not provide the following benefits:
- Accidental-death or permanent-disability cover.
- Trip cancellation cover.
- Additional expenses, travel-delay expenses or alternative-transport expenses.
- Cover for luggage, personal effects or valuables, or delayed baggage.
- Cover for travel documents, transaction cards or travellers’ cheques.
- Theft-of-cash cover.
- Rental-vehicle excess cover.
Basic also cannot be extended with the Adventure, Snow or Cruise packs or increased item-limit cover. Check the applicable policy wording for exact definitions and any other exclusions.
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Who can buy it, and are pre-existing conditions covered?
Allianz says pre-existing medical conditions are not covered under Basic. Its page also says the plan is available to travellers under 75 when the Certificate of Insurance is issued. The page specifically notes that someone who knows they are pregnant when buying the policy cannot get pre-existing-condition cover under Basic. Eligibility and medical definitions can depend on the policy wording, so review the applicable policy information and Product Disclosure Statement (PDS) before purchasing.
How much does Allianz Basic cost?
Allianz calls Basic its cheapest international travel-insurance option, but it does not list a universal premium. The price depends on details such as destination, trip duration and traveller age; you need a quote for your own trip. A trip-specific quote is also necessary before comparing its price with another policy. Request a quote through Allianz.
How should you compare Basic with Comprehensive?
Allianz says Comprehensive includes the basic medical and assistance cover as well as benefits such as cancellation, delays and lost luggage, subject to policy terms. The right choice depends on which risks you want insured and the policy’s limits, exclusions and price—not simply the plan name.
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| Covered events | Whether the events you need—such as cancellation, baggage loss or delays—are insured. Allianz says these benefits are not included in Basic. |
| Limits and sublimits | The maximum payable for each benefit and any lower limits for specific items or circumstances, as set out in the PDS. |
| Exclusions and conditions | Policy definitions, restrictions and circumstances in which a benefit will not apply. |
| Eligibility and medical conditions | Age rules, pre-existing-condition terms and any other conditions relevant to your trip. |
| Total premium | The price quoted for your destination, travel dates and travellers; a general starting price is not published for Basic. |
| Claims requirements | What evidence you must provide, how and when to notify the insurer, and the claims process described in the PDS. |
Allianz recommends using the Table of Benefits in the PDS to compare its plans. Its policy-information page explains that the PDS sets out insured events, limits, exclusions and the claims process. Make sure you consult the version that applies to your policy’s issue date.
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Who issues and insures the policy?
Allianz identifies AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, as the agent that issues and manages Travel Insurance. Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, is identified as the insurer. Allianz says the agent receives a commission calculated as a percentage of the premium if a policy is purchased. These disclosures appear in the policy information.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Is Allianz Basic worth considering?
Basic may suit a traveller whose priority is overseas emergency medical and hospital expenses, assistance and personal liability, and who is comfortable not having the trip-protection benefits Allianz lists as excluded. It is a poor fit if you need cancellation, baggage, delay or rental-vehicle excess cover, or cover for a pre-existing medical condition. The plan’s published summary does not establish how it compares in value with other insurers or how claims are handled in practice; decide using the policy wording and a quote for your trip.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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