On 11th March 2020, the World Health Organization has characterized COVID-19 as a Pandemic. As international travel resumes gradually around the world, the availability of travel insurance products that protect against losses due to COVID-19 remains limited.
We encourage all travelers to take appropriate precautions and ensure safe and responsible travel as a priority. If you have been affected with close exposure or are showing symptoms of COVID-19 and require medical assistance, please contact our Emergency Assistance team immediately.
Allianz Travel, as the worldwide leader in travel insurance, is proud to provide our new COVID-19 extension in all plans available on this website. We want our customers to travel with reassurance that there is adequate financial protection and emergency assistance service fully available to our customers, in the event of an infection or quarantine while overseas.
Our new COVID-19 extension is applied across the following Benefits, up to the amounts listed in the corresponding Schedule of Benefits. Below is a summary of coverage only, please refer to Policy Wording for full details.
• SECTION 1 – MEDICAL EXPENSES
We will cover overseas medical or hospital expenses up to the Sum Insured as stated in the Schedule of Benefits because of COVID-19.
• SECTION 2 – OVERSEAS HOSPITAL DAILY CASH
We will pay overseas hospital daily cash up to the limit as stated in the Schedule of Benefits if the Insured Person is confined or quarantined due to diagnosis of COVID-19.
• SECTION 3 – EMERGENCY MEDICAL ASSISTANCE
We will reimburse the following expenses up to the Sum Insured as stated in the Schedule of Benefits if the Insured Person is diagnosed with COVID-19:
· Emergency Medical Evacuation
· Repatriation of Mortal Remains
· Compassionate Visit
· Compassionate Return
· Return of Unattended Child(ren).
• SECTION 12 – CANCELLATION OF JOURNEY
We will reimburse the loss of travel fare on a Common Carrier and/or accommodation expenses paid in advance by the Insured Person upon the cancellation of the Journey if the Insured Person, Traveling Companion and/ or Immediate Family Member is diagnosed with COVID-19.
• SECTION 13 – CURTAILMENT OF JOURNEY
We will reimburse up to the Sum Insured as stated in the Schedule of Benefits for terminating and cutting short the Journey and returning to Hong Kong or Place of Departure if the Insured Person, Traveling Companion and/ or Immediate Family Member is diagnosed with COVID-19.
Whilst we provide some protection in relation to COVID-19 for your travel, there are certain circumstances, as summarized below, which we do not cover. Please refer to the Policy Wording for full details.
• COVID-19 testing expenses unless incurred as part of a confirmed diagnosis of COVID-19
• Any losses incurred, when the Insured Person has travelled against the advice from the Government of the Hong Kong Special Administrative Region or any local authority at Journey destination.
• Any losses relating to any other pandemic or epidemic
COVID-19 extension supersedes general exclusion 21.1.18 for the specifically mentioned benefits as per above but all other terms and conditions of the Policy Wording apply. Coverage of the said benefits is up to the limits stated in the Schedule of Benefits. Terms and conditions apply, please refer to Policy Wording for full details.
COVID-19 Extension – Frequently Asked Questions
Q1: Will the policy cover my loss if I need to cancel my trip due to COVID-19?
For plans that include trip cancellation coverage, we will pay for any unrecoverable deposits or trip costs, in the event that the Insured Person, the Travel Companion, or an Immediate Family Member have been diagnosed with COVID-19 after the trip booking and prior to the scheduled trip departure.
For any trip cancellation due to fear of COVID-19, cancellation by the airline or common carrier, or government restriction, your policy does not offer coverage. Please contact your airline or travel agent to determine the best options for altering your trip.
Q2: What should I do if I have symptoms, or have been diagnosed with COVID-19 while overseas?
Please contact our 24*7 emergency assistance hotline immediately for support with your overseas hospitalization. Please note that if your overseas medical expenses incurred are due to travel against the advice of the Government of the Hong Kong Special Administrative Region or any local authority at the destination, policy exclusions may apply.
Q3: If I am diagnosed with COVID-19 after returning to Hong Kong from my trip, will I be covered?
Our travel insurance policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Hong Kong, either before or after your journey, your policy will not cover the costs of any medical expenses incurred locally.
Q4: If I need to stay overseas longer than the original scheduled travel period, will I be covered?
In the event that your Journey is unavoidably delayed or extended beyond the period stated in the Certificate of Insurance, due to hospitalization, delay/interruption of the common carrier, or other circumstance beyond your control, you may be entitled to automatically extend your Policy without charge for this extended period as is reasonably necessary for completion of your insured Journey. For the details on the extension period, please refer to your policy wording.