What travel insurance does not cover?

Depending on the plan, some of the other things that travel insurance won't usually cover include: Any unlawful acts. Participation in organized amateur and interscholastic athletic or sports competition events. Being under the influence of drugs or intoxicants, unless prescribed by a Physician.



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Important: While travel insurance policies may be more comprehensive than credit card protections, there are limitations. They typically won't cover non-essential medical expenses, high-risk sports or activities, or pre-existing conditions — at least without paying for add-on coverage.

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Travel insurance comes in two major flavors: medical and trip cancellation (which includes baggage and car insurance.) Travel medical insurance is potentially the most critical (in fact, some countries won't let you in without it), but you may already be covered.

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In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

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Allianz operates as an international insurer on almost every continent. We have deep roots in our home market: Western, Northern & Southern Europe. In Central & Eastern Europe and Asia Pacific Allianz is one of the leading international insurance companies. With different emphases we are present in America and Africa.

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