What is not insured?
Below you will find the most important exclusions. There are more reasons why you are not entitled to cover, such as intent or use of narcotics. All exclusions can be found in the terms and conditions.
Fraud: We will not pay out if you deliberately try to mislead us.
Are there any coverage restrictions?
When you travel, you handle your luggage with care. If it appears that you have not acted responsibly towards travel companions and other people and their property, you may not be reimbursed for all costs.
Excess: Depending on the cover taken out, Baggage is subject to an excess of €0, €50 or €75 per event. For Medical costs, an excess of €500 applies for package A.
Maximum reimbursements: Maximum reimbursements: apply to various insured components of travel and cancellation insurance. You can find this in the conditions.
Extra information: If you live in Belgium or Germany and you do not have Dutch basic insurance, we will reimburse a maximum of €30,000 in medical costs.
Sports: You are not insured when participating in competitions and practising some sports (such as combat sports).
Where am I covered?
You can choose from four insurance areas: 1. Europe, 2. World excluding US and Canada and 3. The world including US and Canada, 4. The Netherlands. We also include the Azores, the Canary Islands, Madeira and the non-European countries on the Mediterranean Sea as part of Europe.
What are my obligations?
If you apply for insurance, you must answer our questions honestly. You should do as much as possible to prevent and limit the damage. In case of an emergency, call the emergency centre as soon as possible. Report the loss, theft or misappropriation of luggage to the police. You must be able to prove the damage.
When does the cover start and end?
This starts on the commencement date of the trip and ends automatically on the end date of your trip as stated on the policy schedule. Are you delayed by public transport or do you end up in hospital during your trip and can't go back home? Then the insurance continues, even after the end date.
How do I cancel my contract?
You can only cancel the insurance within the cooling-off period of 14 days if the insurance lasts longer than one month. Please contact Allianz Global Assistance for this.
For the complete overview and/or download of information and conditions of Allianz Global Assistance, short-term cancellation insurance, click here.