Whether you are travelling across the border or around the world, travel insurance is a valuable part of trip planning that can help protect you against the high cost of unexpected emergencies. Allianz Global Assistance offers a range of flexible plans designed to safeguard your health, your belongings, and your financial investment. From sudden medical expenses to trip disruptions beyond your control, our coverage can assist in providing the support and resources needed to navigate the unexpected with confidence.
While many Canadian travellers assume their provincial health care or credit card insurance is sufficient, these often have significant gaps—especially regarding medical evacuation or out-of-country hospital rates. Allianz Global Assistance can help fill these voids with comprehensive benefits that can reach up to $10 million for medical emergencies, ensuring that a single accident does not lead to lifelong financial debt.
Below is a detailed breakdown of what our travel insurance covers and the plan types available to suit your specific travel needs.
This is often considered the most critical part of travel insurance, especially when travelling outside your home province or country. It is designed to cover "reasonable and customary" costs for acute, sudden, and unexpected medical situations. It generally covers:
- Hospital and Physician Fees: Coverage for emergency hospital stays (private or semi-private), surgery, and consultations with physicians or specialists. This ensures you receive treatment in a facility that meets rigorous standards of care.
- Diagnostic Services: Essential lab tests, X-rays, and other diagnostic procedures ordered by a physician to identify the cause of an emergency.
- Medical Transportation: This includes local land or air ambulance services to the nearest appropriate medical centre. If necessary, Allianz Global Assistance can coordinate and pay for medical repatriation back to Canada via air ambulance or a stretcher on a commercial flight with a qualified medical attendant.
- Emergency Dental: Covers treatment for an accidental blow to the face (up to $5,000 in some plans) or relief of acute dental pain (up to $500),helping to protect your smile even when abroad.
- Prescription Drugs: Provides up to a 30-day supply of drugs required due to a covered emergency. Some plans even offer assistance with a replacement prescription for lost or stolen essential medication.
- Additional Expenses: If you or a travel companion are hospitalised, Allianz Global Assistance provides coverage for meals and accommodations (out-of-pocket expenses) to help your loved ones stay close to you during your recovery.
Travel plans can be derailed by events entirely out of your control. This coverage protects the non-refundable dollars you have already spent on your journey.
- Trip Cancellation: Reimburses your prepaid, non-refundable trip costs (like flights, hotels, or tours) if you have to cancel your trip before departure due to a "covered reason" (e.g. sudden illness or injury, a death in the family, or jury duty and others).
- Trip Interruption: Reimburses the unused portion of your trip and covers the cost of a one-way flight home if your trip is cut short after it has already started. Whether it is a family emergency at home or your own medical emergency on the road, this ensures you are not stuck with the bill for a new flight.
- Travel Delay: Reimburses for essential expenses like meals and hotels if your travel is delayed for a minimum number of hours (usually 3 hours) due to a covered reason like severe weather or mechanical failure of a common carrier.
Your luggage contains the essentials for your trip, like personal items. Allianz Global Assistance helps mitigate the stress of lost or delayed bags.
- Baggage Loss/Damage: Provides reimbursement to repair or replace your luggage and its contents if they are lost, stolen, or damaged during your trip.
- Baggage Delay: If your baggage is delayed by the carrier for a specific amount of time (often 12 hours), this benefit provides funds for essential items (like toiletries and a change of clothes) so you can continue your trip comfortably while waiting for your bags to arrive.
While we always hope for the best, this coverage provides a safety net for the worst-case scenarios. It provides a lump sum benefit in the event of loss of life or limb resulting from a travel or flight accident.
Allianz Global Assistance plans include more than just financial reimbursement; they provide active support through a 24-hour hotline:
- Medical Referrals and Monitoring: We help you find the closest appropriate medical provider, and our in-house medical team monitors your care to ensure you are receiving the right treatment.
- Coordination of Transportation: We handle the complex logistics of emergency medical evacuations and family bedside visits.
- Travel Document Help: We assist with the process of replacing lost or stolen travel documents like passports and visas.
- Telehealth Services: Connect with a qualified physician via phone or video for non-emergency medical advice, saving you a trip to a local clinic for minor issues.
