- Always refer to the travel information from the German Foreign Office. The German Foreign Office website provides the latest travel warnings and information on your holiday region.
- In case of a travel warning or restrictions on entering your destination, first contact your tour operator or the airline. Whether and to what extent you can cancel or rebook your trip without charge can change constantly.
- If your tour operator does not cover the costs, check your insurance documents. A reimbursement of costs if you cancel or curtail your trip will depend on the insurance terms and conditions and benefits.
Travel Cancellation Insurance with Corona Coverage: Quarantine, Information, Answers
Am I covered if I fall ill before the start of my trip?
A travel cancellation policy will cover you if you unexpectedly fall seriously ill before the start of your trip, making it impossible for you to travel. As a rule, a coronavirus infection will satisfy these prerequisites.
Can I cancel a trip due to the theoretical risk of contagion?
A theoretical risk is not an insured event under the travel cancellation insurance.
I am afraid to travel. What are the provisions of the travel cancellation insurance regarding coronavirus?
You are covered by the travel cancellation insurance if you have to cancel your trip because a close relative has unexpectedly fallen seriously ill or died. A fear of falling ill is not an insured event.
Does a pre-existing condition change this provision?
No.
What happens if I am ordered to quarantine before I start my trip?
We will pay the costs for self-quarantine under the travel cancellation insurance and if you have to cut your holiday short. Our customers are also insured if they have been ordered to self-quarantine even though the insured person(s) has/have not personally contracted the disease. This applies to cancellations under the travel cancellation insurance, and also if you have to cut your holiday short because you have been ordered to self-quarantine. This applies only to single trip travel insurance, not to annual insurance packages.
Will the travel cancellation insurance cover me if the German Foreign Office issues a travel warning for my holiday destination before I travel?
A regular travel warning issued by the Federal Foreign Office generally does not constitute an insured event. Please contact your tour operator in the case of a package tour or your service provider in the case of a modular tour. Cancellations or rebookings can often be made free of charge. Current travel information can be found on the German Foreign Office website.
What happens if the authorities do not allow me to enter my holiday destination?
Unfortunately, you are not covered in this case.
And if the authorities at my holiday location impose severe restrictions through safety measures?
You will not be insured if you cancel due to restrictions on account of safety measures at your holiday location.
Are additional expenses or return travel expenses covered if you are quarantined abroad?
Insurance coverage is provided and additional expenses are covered should you or your travel companion be placed in quarantine during your trip.
Does travel cancellation insurance apply if the Federal Foreign Office issues a travel warning for your destination country?
The general insurance conditions generally stipulate that no insurance coverage is provided if the Foreign Office has issued a travel warning for the destination country at the time of entry. However, since the coronavirus pandemic is a transnational situation and the Federal Foreign Office now clearly distinguishes between regular travel warnings and COVID-19-related travel warnings, travel cancellation insurance will cover expenses provided that only a COVID-19-related travel warning was been issued for the destination.
A regular travel warning issued by the Federal Foreign Office generally does not constitute an insured event. Please contact your tour operator in the case of a package tour or your service provider in the case of a modular tour. Current travel information can be found on the German Foreign Office website.
Am I covered if a carrier denies carriage because of a suspected contagious disease
(including epidemic or pandemic diseases such as COVID-19)?
Yes, in this case, we will reimburse the costs under the travel cancellation and delay insurance.
What does the insurance coverage look like in the event of a coronavirus infection?
If you have taken out travel health insurance with Allianz Travel, you are comprehensively protected abroad. Should you become infected with COVID-19 during your trip abroad, the medically necessary treatment costs incurred locally or repatriation are generally insured.
This also applies to trips to areas or countries for which the Federal Foreign Office has issued a COVID-19-related travel warning. The general terms and conditions of insurance basically stipulate that there is no insurance coverage if the Foreign Office has issued a travel warning for the destination country at the time of your entry.
However, since the coronavirus pandemic is a transnational situation and the Federal Foreign Office now clearly distinguishes between regular travel warnings and COVID-19-related travel warnings, travel cancellation insurance will cover expenses provided that only a COVID-19-related travel warning was been issued for your travel destination. However, if a non-COVID-19-related travel warning has been issued by the Federal Foreign Office for your travel destination at the time of entry, there is no insurance coverage under the travel health insurance.
Annual travel cover is valid for any number of trips
We regret that you are currently unable to travel to the planned extent due to the corona pandemic and we understand that in this situation you would want to forego your annual travel insurance with us.
The annual travel cover offers insurance cover for any number of trips within a year. Insurance cover also exists for business trips and for trips within Germany. The fee is calculated regardless of the number of trips actually made.
You are covered from the start of the contract. Therefore, after the 14-day cancellation period has expired, premature termination of the insurance contract due to the corona pandemic with reimbursement of your insurance premium or a subsequent change to the contract term is unfortunately no longer possible.
We regret that you are currently unable to travel to the planned extent due to the corona pandemic and we understand that in this situation you would want to forego your annual travel insurance with us.
The annual travel cover offers insurance cover for any number of trips within a year. Insurance cover also exists for business trips and for trips within Germany. The fee is calculated regardless of the number of trips actually made.
You are covered from the start of the contract. Therefore, after the 14-day cancellation period has expired, premature termination of the insurance contract due to the corona pandemic with reimbursement of your insurance premium or a subsequent change to the contract term is unfortunately no longer possible.
Annual travel cover is valid for any number of trips
We regret that you are currently unable to travel to the planned extent due to the corona pandemic and we understand that in this situation you would want to forego your annual travel insurance with us.
The annual travel cover offers insurance cover for any number of trips within a year. Insurance cover also exists for business trips and for trips within Germany. The fee is calculated regardless of the number of trips actually made.
You are covered from the start of the contract. Therefore, after the 14-day cancellation period has expired, premature termination of the insurance contract due to the corona pandemic with reimbursement of your insurance premium or a subsequent change to the contract term is unfortunately no longer possible.
We regret that you are currently unable to travel to the planned extent due to the corona pandemic and we understand that in this situation you would want to forego your annual travel insurance with us.
The annual travel cover offers insurance cover for any number of trips within a year. Insurance cover also exists for business trips and for trips within Germany. The fee is calculated regardless of the number of trips actually made.
You are covered from the start of the contract. Therefore, after the 14-day cancellation period has expired, premature termination of the insurance contract due to the corona pandemic with reimbursement of your insurance premium or a subsequent change to the contract term is unfortunately no longer possible.
What should I generally watch out for?
Before you take out travel insurance, please read the general terms and conditions and all additional information about the desired insurance product carefully and be sure that you are clear about what is and is not insured. In our new insurance conditions, we have presented everything clearly and concisely in an overview of benefits for you. In addition, the most important terms are explained in the insurance conditions.
Travel warning
The general insurance conditions generally stipulate that no insurance coverage is provided if the Foreign Office has issued a travel warning for the destination country at the time of entry. However, since the coronavirus pandemic is a transnational situation and the Federal Foreign Office now clearly distinguishes between regular travel warnings and COVID-19-related travel warnings, travel health insurance and travel cancellation insurance will cover expenses provided that only a COVID-19-related travel warning was been issued for the destination.
Concerning this matter, please take note of the statements above. Please check immediately before setting off on your trip whether the Federal Foreign Office has documented such a travel warning on its homepage.
You can find answers to frequently asked questions about the coronavirus (SARS-CoV-2 / COVID-19) at Robert-Koch-Institut.
Current travel warnings and travel advice for your vacation areas can be found on Auswärtiges Amtes.
Questions related to travel insurance
Yes, in the event of a medical need, the COVID-19 test is part of the treatment costs. These are reimbursed as part of travel health insurance.
In this case, you must return home as soon as possible. Any additional return travel expenses will not be reimbursed. However, in the event of a travel warning due solely to COVID-19, insurance coverage is available under an existing travel health insurance policy and/or trip interruption insurance policy (e.g. coverage of costs for necessary medical treatment abroad or unused travel services). Please refer to the above explanations.
In the event of general travel warnings, any additional costs for return travel and unused travel services will not be reimbursed.
The costs for medical services are covered by the travel health insurance, even if there is a travel warning. However, we recommend that you try to return as soon as possible.
Yes, for additional accommodation costs (in the case of personal quarantine), a maximum of € 1,000 per insured person and insured event will be covered.
No, costs for mandatory or precautionary health tests that are necessary for the start of the journey, the onward journey or the return journey will not be reimbursed. Only if a COVID-19 test is medically necessary will the test abroad be reimbursed as part of travel health insurance.
An increased body temperature alone is generally not considered to be an insured event. We will, however, reimburse expenses under the travel cancellation and delay insurance if a carrier denies carriage based on suspicion of a contagious disease (including an epidemic or pandemic disease such as COVID-19). In addition, coverage is provided if personal quarantine is ordered by a public authority based on suspicion that you have come into contact with a contagious disease (including an epidemic or pandemic disease such as COVID-19). In addition, coverage is provided if personal quarantine has been imposed by a public authority based on suspicion that you have come into contact with a contagious disease (including an epidemic or pandemic disease such as COVID-19).
Yes, under the travel cancellation and delay insurance, we will reimburse you if a carrier denies carriage due to a suspected contagious disease (including an epidemic or pandemic disease such as COVID-19).
No. You have no insurance cover in the event of a quarantine order that applies generally to part or all of the population, to an entire ship or to an entire geographic area.
No. The travel protection ends with the end of the journey and the return home.
To process the claim, we need a corresponding certificate or an official order for a personal quarantine.
There will be no insurance coverage, as the quarantine regulations were already known prior to the trip.
No. The insurance does not cover expenses if the order to quarantine generally applies to sections of a population or to the entire population, to an entire ship or to an entire geographical area.
Questions about annual travel protection
Yes, as of July 1st 2021, costs for personal quarantine will also be covered in all annual travel protection products.
If you would like to take out a new annual travel cover of the same or higher value with Corona benefits, we will be happy to cancel your existing annual travel cover contract and reimburse you for the proportionate contribution credit from the old contract. Simply write a short e-mail to daten@allianz.com, stating the new and previous insurance number. We will then take care of everything else. If you need help with the conclusion or have any questions, please contact us by email at service-reise@allianz.com or by phone at 089.6 24 24-444.
That depends on the respective insurance conditions, which may differ in detail. Whether epidemics and pandemics are also insured is listed in the terms and conditions. We will also continue to pay for trip cancellation, trip interruption and under the travel medical insurance if a COVID-19 infection or another epidemic or pandemic disease is diagnosed, even though we have a general exclusion for pandemics and epidemics in our policy conditions.
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