How Do I File a Claim With Allianz Travel Insurance?

Traveling opens the door to exciting adventures and unforgettable experiences, but sometimes unexpected events can disrupt your plans. Whether it's a canceled flight, a medical emergency, or lost luggage, you can submit a claim with Allianz Travel Insurance to help cover your losses. 

To file a claim with Allianz Travel Insurance, head to their website and click on the “Claims Center” option on the navigation menu. Fill in the required information, and then click Submit. 

You can also file by mail at:

Allianz Global Assistance
Attn: Travel Claims Dept.
P.O. Box 72031
Richmond, VA 23255-2031

Alternatively, if you prefer filing by phone, call Allianz Travel at 1-888-497-6992.

Unfortunately, there is no guarantee that the travel insurance giant will approve your claim. Aliianz has been the subject of numerous lawsuits due to unfair claims denials. 

Why? Insurance companies prioritize their bottom lines and can sometimes deny or devalue a claim in bad faith to save themselves money—despite the agreed coverage you paid for.

You may need an insurance dispute attorney if you filed a claim with Allianz and were unfairly denied the benefits you are entitled to. Contact Morgan & Morgan for a free case evaluation to learn more about your legal options.

Read First: Understanding Allianz Travel Insurance Coverage

Before diving into the claims process, it’s important to understand what your policy covers. Allianz Travel Insurance offers a variety of plans, each tailored to different travel needs. Common coverage options include:

• Trip Cancellation/Interruption: Reimbursement for prepaid, non-refundable expenses if your trip is canceled or interrupted due to covered reasons.
• Emergency Medical and Dental: Coverage for medical emergencies or dental treatment while traveling.
• Travel Delay: Compensation for additional expenses if your trip is delayed.
• Baggage Loss/Damage: Reimbursement for lost, stolen, or damaged baggage and personal effects.
• Emergency Transportation: Coverage for medical evacuation or repatriation.

Review your policy documents to understand your specific coverage, limitations, and exclusions.

Step 1 of Filing a Claim: Gather Necessary Documents

To file a claim with Allianz Travel Insurance, you’ll need to provide documentation supporting your claim. Collect the following items:

• Policy Information: Your policy number and details.
• Travel Itinerary: Confirmation of your travel plans, including tickets and booking confirmations.
• Receipts: Proof of any expenses related to your claim, such as hotel bookings or medical bills.
• Incident Reports: Police reports, airline loss reports, or medical documentation depending on the nature of your claim.
• Proof of Payment: Credit card statements or other proof showing you paid for the covered expenses.

Having all the required documents ready will speed up the claims process.

Step 2 of Filing a Claim: Notify Allianz Immediately

Timely notification is crucial when filing a claim. Many policies require you to report incidents within a specific time frame. Follow these steps:

• For Emergencies: If you need emergency assistance, call Allianz’s 24-hour hotline immediately.
• For Non-Emergency Claims: Notify Allianz as soon as possible by phone or through their online portal.

Delays in reporting may lead to claim denial, so act promptly.

Step 3 of Filing a Claim: File Your Claim Online or By Phone

Allianz offers multiple ways to file a claim, ensuring convenience for all travelers. Here’s how you can file your claim:

1. Online Portal: Log in to the Allianz Travel Insurance website and navigate to the “File a Claim” section. Follow the prompts to upload your documents and provide details about your claim.
2. Allianz App: Use the Allianz TravelSmart app to submit your claim directly from your smartphone.
3. Phone: Call Allianz’s customer service team to start your claim. They can guide you through the process and help you understand the requirements.

The online and app options are typically faster, as you can upload documents directly.

Step 4 of Filing a Claim: Provide Accurate and Detailed Information

When filing your claim, be as thorough as possible. Incomplete or inaccurate information can lead to delays or denials. Include:

• A detailed description of the incident.
• The date, time, and location of the event.
• Names of involved parties, if applicable.
• Copies of all supporting documents.

Double-check your submission for accuracy before submitting it to Allianz.

Step 5 of Filing a Claim: Track Your Claim

After submitting your claim, you can monitor its status through the Allianz website or app. Tracking allows you to:

• See if additional documentation is needed.
• Check the progress of your claim.
• Receive updates on approval or payment.

If Allianz requests additional information, provide it promptly to avoid delays.

What if My Allianz Travel Claim Is Denied?

If your claim is denied, you have the right to appeal.

Insurance companies can be notorious to deny or under-value eligible claims to avoid paying the maximum compensation you deserve.

If your claim is wrongly denied, you have options, and you can learn more by contacting Morgan & Morgan. Our legal team can help for free:

1. Review the Denial Letter: Morgan & Morgan can analyze your claim and help you to understand the reasons for the denial—if there are any valid reasons at all.
2. Gather Additional Evidence: Our legal team can collect any missing documents or clarify discrepancies to give you a stronger claim.
3. Submit an Appeal: We can contact Allianz on your behalf to request another review of your claim.
4. Escalate the Claim: If necessary, we can take your claim all the way to court until you receive the compensation you need and deserve.

Don’t take no for an answer when you believe your claim was wrongly denied. Hiring one of our lawyers is easy, and you can get started in minutes with a free case evaluation.

Frequently Asked Questions

What is the deadline for filing a claim?

Deadlines vary depending on the type of claim and policy terms. Check your policy for specific timelines, but it’s best to file as soon as possible. A Morgan & Morgan attorney can also assist you to ensure you file your claim correctly and on time.

Can I file a claim for COVID-19-related issues?

Yes, many Allianz policies include coverage for certain COVID-19-related events, such as trip cancellations due to illness or quarantine requirements. Verify your policy details for specific inclusions.

What if I lost my receipts?

If you’re missing receipts, provide alternative proof of purchase, such as bank or credit card statements. Contact Allianz for guidance on acceptable documentation.

How will I receive my payment?

Approved claims are typically paid via direct deposit or check. You can select your preferred method during the claims process.

What if my claim involves multiple policies?

If your claim overlaps with another insurance policy (such as homeowner’s insurance for stolen property), Allianz may coordinate with the other insurer to determine coverage.

What are some examples of lawsuits against Allianz? 

Early in 2021, Washington State Attorney General Bob Ferguson filed a lawsuit against the travel insurance company. The lawsuit alleged that the company had discriminatory policies that allowed them to deny insurance claims for Washingtonians who had to reschedule or cancel their flights due to mental health issues.

According to the lawsuit, Allianz excluded “mental or nervous health disorders” and related complications from their policy. As a result, this policy effectively locked out individuals who could not proceed with their travel plans due to mental disorders from recovering compensation. The lawsuit further cited Washington laws prohibiting discrimination based on disability and the allegations that the company broke these laws.

In 2022, a 29-page class action lawsuit was filed against the company for adding fees for services their clients neither knew about nor wanted.

How can I avoid denials?

To help avoid an insurance claim denial, be sure to read your policy. Understand your coverage and any exclusions before filing a claim. Report incidents promptly to meet deadlines, and stay organized by keeping all receipts, reports and correspondence related to your claim.

Most importantly, be honest. Provide accurate and truthful information to avoid claim denial. Exaggerations can lead to quick denials.

Lastly, regularly check your claim status and respond to requests from Allianz. If all else fails, contact Morgan & Morgan for help.