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Travel insurance is an essential investment for any traveler. It provides a safety net for unexpected events that could ruin your trip, including illness. Allianz travel insurance is one of the most popular providers in the market. It offers a range of policies that cover different scenarios. In this article, we will discuss the coverage provided by Allianz travel insurance for illness.
What is Covered?
Allianz travel insurance covers a range of illnesses that can occur during your trip, including sickness, disease, and injury. The policy provides coverage for medical treatment and emergency evacuation if required. It also covers pre-existing medical conditions, but you need to disclose these when purchasing the policy.
The policy includes coverage for emergency dental treatment as well. This is particularly useful if you require urgent dental care while traveling. It also covers the cost of prescription medication if you fall ill during your trip.
What is Not Covered?
While Allianz travel insurance covers a wide range of illnesses, there are some exclusions you need to be aware of. The policy does not cover any medical conditions that existed before you purchased the policy if you did not disclose them. It also does not cover any treatment that is not deemed medically necessary. Additionally, it does not cover elective treatments or medical procedures that are not required to treat your illness or injury.
The policy does not cover injuries or illnesses resulting from participation in high-risk activities unless you have purchased a policy that specifically covers those activities. It also does not cover any loss resulting from drug or alcohol use.
How to Make a Claim
If you fall ill during your trip and need to make a claim, you need to contact Allianz travel insurance as soon as possible. You will be required to provide proof of your illness, including medical reports and receipts for any treatment you receive. You will also need to provide proof of any expenses incurred as a result of your illness, such as hotel bills or flight changes.
Allianz travel insurance has a 24-hour hotline that you can call for assistance if required. You can also submit your claim online through their website.
Conclusion
Allianz travel insurance provides comprehensive coverage for illness during your trip. It covers a wide range of medical conditions and provides emergency medical treatment and evacuation if required. However, there are some exclusions, and you need to disclose any pre-existing medical conditions when purchasing the policy. If you need to make a claim, contact Allianz travel insurance as soon as possible and provide all the required documentation.