Allianz Travel Insurance

I added travel insurance to the ticket at the time of purchase. However, I cancelled the ticket on the same day and was not reimbursed, as I was advised that my request did not meet the criteria for reimbursement under the policy. This highlights a broader concern with travel insurance coverage. While customers pay an additional premium for… Read more

protection, the policies often contain exclusions and conditions that allow insurers significant discretion in declining claims. As a result, the coverage may not provide the level of protection that customers reasonably expect.

I took out a comprehensive travel insurance policy with Allianz to protect myself against unexpected travel disruptions. What followed has been one of the most frustrating and disappointing experiences I’ve had. My Royal Caribbean cruise was cancelled due to technical issues with the ship. This was completely outside my control. I had already… Read more

paid for accommodation and other travel expenses. While Royal Caribbean partially reimbursed me, I was still left out of pocket by AUD 1,554.64.

I lodged a claim with Allianz expecting support in a situation exactly like this. Instead, my claim was rejected. The reason given was a policy exclusion relating to the travel provider not delivering services.

This decision makes no sense in the context of a “comprehensive” policy. I did everything right. I planned ahead, paid for insurance, tried to recover costs from the provider, and still ended up bearing the loss myself.

The entire experience with Allianz has been extremely poor. Communication has been lacking. The claim handling felt rigid and dismissive. There was no genuine effort to consider the circumstances or the financial impact.

I have now escalated the matter to AFCA and formally lodged a complaint for independent review.

If you are considering travel insurance, think carefully about what “comprehensive” really means in practice. My experience with Allianz has been disappointing and, frankly, unacceptable

Unfortunately we had to cancel our trip due to an unforeseen legal proceedings. Of course Allianz said our reason was not covered. Lost almost $9000. Do your research and dont use Allianz. Show details

Had a trip to Finland and Norway in October/November 2025 fully paid for and ruptured Achilles tendon and fractured ankle 4 weeks before trip. Travel company said no refund. Allianz paid all monies paid excepting excess within 10 days of claiming. No issues, no hassles. Show details

Had a trip booked for 4 weeks with numerous flights and accommodation booked, however my wife slipped down some stairs on day 2. Short version, flew home with 4 broken ribs, no holiday :( Managed to get a few refunds through airlines/accommodation but was out of pocket a lot. Sent through the itinerary, bookings doctors report and invoices and… Read more

was all sorted in 10 days.

Having heard all sorts of bad l stories was concerned, but the process was quick and simple. Will be using them again (hopefully won’t need them)

We had a pretty bad overseas trip recently with different illnesses experienced by 3 family members over our 2 week trip. We ended up calling the claims team and spoke with a nurse who provided us some guidance whilst on our travels. They even called back the next day to check in. Was really impressed with the claims process itself, and appreciated the quick turn around on completing the claims we lodged. Show details

The policy seemed good value, and when we had an issue overseas they were good to deal with over the phone. We extended a stay due to illness and lodged claim when we were home. It is now nearly 5 weeks later the only correspondence we have received is saying that they are busy and will be in touch next week, and now this week nothing.. it has been a very frustrating experience and I would not recommend Show details

We had Allianz comprehensive insurance for our car, home, and travel insurance through NAB for many years. Unfortunately, you never truly know how poor an insurer’s service is until you actually need them in an emergency and have to make a claim. My husband suffered a severe heart attack while overseas, which was an extremely stressful and… Read more

frightening situation for our family. Instead of receiving support from our travel insurer, we experienced confusion, delays, and a complete lack of coordination. Allianz was unable to arrange a hospital with English-speaking medical support, which made an already critical medical situation even more difficult. We were left to manage the situation ourselves. It felt like their priority was simply to minimise costs and get the customer on a plane back as soon as possible, rather than ensuring proper care and recovery.

Throughout the process, the case manager provided unclear instructions and very poor communication. The overseas assistance agent Allianz used was also highly unprofessional. The ambulance and transport arrangements were poorly organised, and the nurse assigned to accompany the medical transfer even asked us for tips, which was shocking considering this was supposed to be a professional medical service arranged by a global well-known insurer.

After submitting all the claim documents through all the difficulties, more than a month has passed and we have still received no response regarding the claims process. When I lodged a formal complaint with Allianz, the only email I received was the message: "Your complaint is now closed, and our internal dispute resolution process has finished." No any further action! That was the end of it!

We are still waiting for a response regarding the claims. This has been an extremely frustrating and disappointing experience with Allianz. We have now cancelled all of our insurance policies with Allianz.

The freaking worse travel insurance in the world . They will sell you a policy with all the nonsense about what they cover but when it is time to pay they will not freaking pay a cent. Stay the hell away from this company Show details

Be aware of the cancellation fee once outside cooling off period. Had to cancel trip 3 weeks prior to holiday due to surgery, and outside the cooling off period. Cancellation fees was nearly 50% of premium. The PDS mentions a "partial" refund without giving any indication of how much it will actually be. I would expect a small percentage however this is a rip-off! Suggest you check other insurers before using Allianz. Show details

Very disappointed with Alliance Travel.. I had to cancel my trip to Vietnam and Cambodia due to my mother being close to death (a day prior to departure). I had taken extra cancellation cover just incase there was a family emergency 6 months prior to departure(when my mother was healthy and well).. It wasn’t until I rang to cancel trip that I was… Read more

advised of no refund due to my mother being older than 85…. So beware..if a parent/relative is over 85 you will not be covered!

I recently lost my Fitbit and reading glasses on a flight back to Australia. I travel often and haven’t made a claim in about 20 years. I submitted the insurance claim, which was rejected, because any loss or stolen items on a flight is not covered by the insurance. It seems odd to me that given the time that you’re on aeroplanes you would have… Read more

thought the insurance would be active there. You really need to read the small print. Very disappointed with Allianz. Customer service very poor. No goodwilll just a big company looking after themselves.

Emergency services were unreliable and unhelpful to say the least. I would never purchase from them. My brother needed to get advice and go to emergency for painful kidney stones and we called them but they didn’t give us any advice or support at all. Normally travel insurance should put you through to their medical staff, we called, they just… Read more

checked the policy and said they’ll call back… they never did, we had to call them. My brother had to pay for everything up front because they never helped in the most valuable time travel insurance should be there. Every time I see their advert it reminds me how bad the experience with them has been. He’s still waiting for them to approve and pay and we’ve been back for 6 weeks!

My wife and I had planned a trip to Hawaii. Unfortunately, my father had a stroke and died. His funeral service was held at a time when we should have been in Hawaii. My father was not travelling with us and was not included in the policy. Nonetheless, after sending all of the requested paperwork, including my father's death certificate, Allianz… Read more

declined our claim because Dad was over 81 years of age. Heartless, insensitive, coldhearted, blood sucking insurance company. Look elsewhere for an insurance company that actually connects to their customers - if there is one???

Completly disapointed. Due to fire at the airport we missed our flight. After calling few times we were told tgat because of rhe scale of the issue rhwy are waiting for confirmation if they are going to accept our claim. We made new travel arrangement and collected all confirmations just in case. After third call we were told that yes they will… Read more

accept it our claim. What a shock it was that after 2 hours of filling up claim we were told that our insurance is not covering that issue !!!! Why then you didnt say that stright away?

DO NOT USE! A nightmare to deal with. I purchased comprehensive travel insurance. My tooth broke while travelling requiring a visit to a local dentist. After numerous phone calls, long waits on call waiting and four times told they couldn’t help me I would receive an email, they finally said they would not pay and my claim was rejected, this… Read more

despite providing the detailed account and a detailed letter from the dentist. Do yourself a favour and purchase from another firm.

Allianz are total rogues. TAKE TRAVEL INSURANCE WITH THEM AT YOUR PERIL. If you have a claim, they will do everything in their power to not pay it out. We had to resort to sending them the shocking photos of my husband in the hospital Intensive Care Unit, despite the screeds of medical records and doctors reports we had sent them previously, plus… Read more

get our travel agent involved on our behalf before they would settle our claim. They also try to split claims up wherever they can, so that they can deduct an excess on each 'claim'. Please choose another travel insurer if you can. Do NOT choose Allianz! You will definitely regret it if you go with them.

I am wanting to buy comprehensive travel insurance for myself, Mum, sister and aunty who are all travelling together (100% of the time throughout our whole trip), to Europe. We are all adults, and there are no dependents travelling. The only options for insurance for 4 people travelling together are to purchase a Duo Policy, or a Single Policy. I… Read more

called the contact number of their sales team, to clarify for me, whether 'travel companions' needed to be listed on the same policy (in the event that one of us 4 becomes sick or injured, either prior to departing, or whilst already travelling, and therefore needing to amend or cancel flights and/or accommodation already paid. I wanted to ensure we were all covered for this as this is a holiday that the 4 of us are doing together). The only way to cover 4 persons if by purchasing 2 x Duo policies, or 4 x single policies). I needed to know what the definition of 'travel companion' is, and whether both Mum and I would be covered for any cancellation costs (in the event of any sickness or injury of either my sister or Aunty who would be on the other policy, and vice versa), as many insurance companies I have researched do not cover cancellations costs if one of the persons travelling together is not listed on the same policy. The sales person I spoke to was not able to answer this question, so I requested to be put through to the claims team to speak to someone who may be more experienced and able to answer my question. I spoke to a lovely lady by the name of [Name Removed], and she was very helpful and concise with her knowledge, explanation, and details in the PDS document. She confirmed that yes, all 4 of us would be covered as 'travel companions' on the Duo Policy, because we would be travelling 75% or more of the time together (as stated in the PDS document). However, at the time, I did not think to ask her if this was also the case if each of us bought 'single' policies (ie. 4 x single policies), as that is what we would prefer to do. So, I called their contact number again a little while later that afternoon to clarify if this also applied to 4 x single policies, and particularly whether all 4 of us needed to be on the same flight confirmation booking (as I had purchased my Mum's and mine, and my sister purchased her and my Aunty's, and also for all of us to be listed on the accommodation booking confirmation (because booking accommodation through the website Booking.com, only asks for the name of the person making the booking, not the names of all 4 of us staying in the one family room together that has 4 beds, and has already been booked, paid for, and confirmed). Once again the sales person could not answer my questions, and in fact told me that we all had to be on the same one policy together to be regarded as travel companions. I told him, how is this possible, when your policies do not allow 4 adults to buy one policy that includes 4 adults on it, (as a family policy only includes 2 adults and 2 dependents) so it is either a Duo Policy or a Single Policy that is applicable. Based on the earlier conversation I had with [Name Removed], the sales representative I spoke with was not familiar with the insurance products offered, and he gave me the incorrect information. Therefore, I asked to be put through to a Team Leader, to have these questions clarified for me (in the hope of speaking to someone with more knowledge and experience). But, the Team Leader also could not answer my questions about the coverage in their insurance policies, and nor did she offer to follow-up with anyone who could clarify this for me (either with someone in the claims department who may have had previous experience in this scenario, or may be more knowledgeable than she was), and said that I could not speak to anyone in the claims department, as I could only speak with them if I was making a claim. I explained to her that I was diligent in making sure that I purchased a policy to have the insurance cover we needed just in case of an 'unforeseen or unfortunate' event, where we had to amend or cancel flights or accommodation due to injury or sickness. She told me that there is 'provision' for you to put a claim in if this happens. I have found all the policy wording, and the discussions seeking clarification from the sales team, to be very, very ambiguous. I could not get a solid answer as to what I may be purchasing. I informed her that nobody would purchase a car without knowing whether it had a steering wheel or not, but to instead get told that if you have an accident, put a claim in, we'll review it and let you know if your covered, or not. This does not give me any confidence in purchasing an insurance policy where there is no clarification as to what I would be purchasing, particularly if something unfortunate happens, and only then find out we are not covered. I do not believe that my questions about the insurance policy to seeking clarity as to ambiguity in the PDS document, to be unreasonable.

I like Allianz Travel Insurance however it is pretty bad when you find out that they left out a number when you paid for the policy with inclusions then want to charge you 2 cents that’s right 2 cents with a credit card to put the one number in that they left out in the first place.

if there was an option, ZERO star, Stay away from these mob. They should be reported to AFCA for investigation. Either, absolutely incompetent staff, Or they would go to any extent to avoid paying your claim, They accepted my initial claim and confirmed that they would pay me. My invoices and claim were in American dollar of US$800 and they did… Read more

not calculate the currency exchange in the payment and paid me Australian A$800. It clearly stated in their insurance policy that they pay the claim with respect to the currency exchange rate at the time. When I pointed out to them, they used some totally different and irrelevant figures and they added about A$68 to my claim payment. I sent them another email pointing out their mistake and they added about A$1 to it. I eventually called them and the guy went around the bush and didn't want to accept the mistakes they had made. I asked him to go to my initial claim and check my original claim amount and attached invoices, and he said that he didn't have them. I asked him how then he was geting his figures and he sasid that he had some "notes" there and is refering to those notes. They want to rap up a claim of about A$1335 with A$870. Not to mention that I live in Western Australia and their emailed document has my address once for New Zeland and the second document in Victoria. It is dissgussting to deal with these insurance companies that are happy to take your money when they sell you their products and would squeeze any cent they can from you when we claim something back from them.

Unreliable I am 50+ and had a urinary blockage while in Europe, urinary blockage due to enlarged prostate as many men aged 50+ Allianz decided not to cover me because I visited a urologist. I saw a urologist for prevention (to ensure there was no serious desease as my PSA was elevated due to enlarged prostate). I just wanted to be sure there was… Read more

serious disease which was luckily the case.

Allianz is not covering urinary blockage for men aged 50+ with some urinary retention. I never had any urinary blockage before. Many men aged 50+ will incur some sort of retention (no blockage).

Where is the prevention and early detection of deseases? This is typically a case for not encouraging early detection of serious deseases. That is a very bad message.

Therefore, be carefull with Allianz if you visit a specialist in the years before your travel. There is a chance Allianz will do what they did to me: deny your claim.

My perhaps unfair perception of insurers is that they will do all they can to avoid or minimise paying out claims. My experience was exceptional from the start with our travel policy from Allianz. I chose Allianz after almost being caught by the CBA Card insurance trap (requiring both pre activation and $500 in one transaction spent on the trip… Read more

prior to departure- bad review on that trap coming!). Thankfully I did change because CBA would not have paid out on any claim because of this trap.

We had to make a claim for a few nights accomodation after not being able to hire a car without an international drivers licence and thus we were not able to make our destination. My mistake for not checking that our local licence would be sufficient for hiring a car in Japan. I thought they may have had an “idiot clause” to reject my claim! To their credit, the claim wasn’t even questioned. Thank you Allianz for your empathy and understanding of my rookie traveller mistake and for such a smooth process in our claim… and helping to restore my perception of insurers.

I had the complimentary travel insurance that came with my St George credit card. I had to cancel part of a planned hiking trip in Patagonia due to my travel partner's injury. I read mostly bad reviews regarding claims and was prepared for a lengthy battle. However I was taken by surprise when after about 2 weeks, a very pleasant man rang me to tell me my full refund was on it's way! I'll certainly use them again. Show details