Looking for Travel Protection? Allianz Travel Insurance to Cover Pre-Existing Medical Conditions

Written by William Lee

Understanding Allianz’s Travel Insurance Policy on Pre-Existing Medical Conditions

Allianz Travel Insurance provides comprehensive coverage for a variety of issues that might affect your travels, including unexpected medical emergencies. One critical aspect of travel insurance that often prompts questions at Chima Travel is coverage related to pre-existing medical conditions. Below, we get into Allianz’s policy on this matter, one of our go-to Insurance Companies.

allianz travel insurance covered reason

What Are Pre-Existing Medical Conditions?

Definition and Coverage

pre-existing medical condition refers to any injury, illness, or medical condition that showed symptoms or was treated within 120 days before purchasing your travel insurance policy. Travelers must understand how these conditions are covered to avoid surprises in case of a claim.

Allianz’s Coverage Policy

Waiver Eligibility

Allianz offers a waiver for pre-existing medical conditions, which can be beneficial for travelers with ongoing health concerns. To qualify for this waiver, the following conditions must be met:

  • Policy Purchase Timing: The insurance policy must be purchased within 14 days of making your initial trip payment. Yes, the initial trip payment, not the final payment.

  • Residency Requirement: You must be a U.S. resident at the time of purchasing the policy.

  • Health Status: You must be medically able to travel when the policy is purchased.

  • Coverage Amount: You must insure the full non-refundable cost of your trip at the time of purchase. If you book a non refundable flight, hotel, and tour, then you need to insure each. However if you book a refundable hotel, you do not need to insure that hotel.

This waiver is critical as it allows travelers to receive coverage for claims that might otherwise be denied due to the pre-existing condition clause.

allianz travel insurance covered reason

Special Considerations for Residents of California, Maryland, and Texas


For residents of California, purchasing travel insurance from Allianz means that any coverage becomes primary over any other similar or duplicate insurance coverage. This can affect how claims are processed and prioritized.

What does Allianz mean when they say that “the coverage from their travel insurance becomes primary over any other similar or duplicate insurance coverage”? It means that in the event of a claim, Allianz’s travel insurance will be the first to pay out, before any other insurance policies you might have.

How Primary Coverage Works

In insurance terms, “primary” coverage takes precedence over other forms of insurance covering the same risk. Here’s what that implies for you if you are a California resident with Allianz travel insurance:

  • Claim Processing: If you need to make a claim, you would first turn to Allianz, regardless of whether you have other policies that might also cover the claim. This simplifies the claims process because you deal directly and initially with Allianz.
  • Impact on Other Insurance: Since Allianz covers the claim first, any other insurance policies you have (like homeowner’s insurance, renter’s insurance, health insurance, or other travel insurance) would only be accessed if the coverage under Allianz is exhausted. This means less paperwork and potentially faster claim resolution.
  • Deductibles and Out-of-Pocket Costs: Primary coverage usually helps manage your out-of-pocket costs better. For instance, if Allianz’s travel insurance pays first, you might not need to pay deductibles that you would normally pay if another insurance were to cover the claim initially.

Benefits of Primary Coverage

  • Simplicity in Claims: Dealing with one insurance provider makes the process less complicated.

  • Lower Out-of-Pocket Costs: You can avoid multiple deductibles from different insurance policies.

  • Quick Resolution: Claims might be processed and settled faster since you’re dealing with a single insurer.


In Maryland, purchasing travel insurance ensures that the coverage from Allianz will be primary. This is crucial information for residents to know as it can impact how they might choose to handle other insurance policies they have.


Texas residents are advised to consider their existing insurance policies, such as automobile or health insurance, before purchasing travel insurance. This is because Allianz’s travel insurance might not cover all aspects, such as personal injury or property damage, which could be covered under other insurance policies.

How much does travel insurance cost?

Regardless of the provider, travel insurance is always calculated by the total non refundable amount and the age(s) of the traveler. It makes sense, the more you spend the higher it costs to insure that amount. However, the age of the individual is critical to understanding the pricing for travel insurance. If you are in your 60’s you’ll pay more for the same trip than a person in their 20’s. At Chima Travel, we have our client’s fill out a travel insurance form if they decide they do not want to purchase travel insurance. It’s important to know what all is covered with travel insurance.


We’ve got you covered! At Chima Travel, we’ve been helping people plan their trip for over 100 years.

More from our Blog

What is turbulence? And is it getting worse?

What is Clear Air Turbulence?How Climate Change Affects Jet StreamsWhy Does This Increase Clear-Air Turbulence?Impact on Commercial FlightsWhat Can We Do? Have you ever been on a flight where the plane suddenly starts shaking, even though the weather looks clear?...

Top 10 Best Cuyahoga Valley National Park Trails

1. Brandywine Gorge Trail2. Ledges Trail3. Virginia Kendall Lake Trail4. Blue Hen Falls Trail5. Oak Hill Trail6. Towpath Trail7. Plateau Trail8. Everett Covered Bridge Trail9. Tree Farm Trail10. Boston Run Trail Located between Akron, Canton, and Cleveland,...

Whats It Like To Stay At Secrets Royal Beach Punta Cana

Located on Bavaro Beach in Punta Cana, Secrets Royal Beach Punta Cana is an adults-only resort where everything is included in the price. It's just a short 25-minute ride from the airport, making it easy to get to. The resort is right on the beautiful and popular...

When Do Northern Lights Occur in Iceland?

The Northern Lights happen when particles from the Sun crash into Earth's atmosphere and make the air glow. Month Likelihood of Seeing Northern Lights Conditions December, January, February, March Very High These months offer long, dark nights and are optimal due...

Colca Canyon – The Best of Peru

Exploring the Wonders of Colca CanyonLocation and LandscapeHistorical SignificanceColca Canyon Tours: Your Gateway to AdventureMaking Colca Canyon Accessible: Know Before You Go Exploring the Wonders of Colca Canyon Depth: Colca Canyon reaches a maximum depth of...

Visa Process for Portugal

Visa Process for Portugal With its stunning landscapes, rich history, and vibrant culture, Portugal has become an increasingly popular destination for tourists and expats alike. However, before you can pack your bags and book your flight, you'll need to navigate...

Bahia Palace Marrakech

Key Takeaways: Built: Late 19th century Size: 8,000 square meters Rooms: 160 Distinct Features: Moroccan and Islamic architecture Visitor Experience: Rich Moroccan cultural immersion Special Events: Art exhibitions and music concerts Cultural Recognition: Capital...

Marrakech Weather

Key Takeaways Year-Round Climate Appeal: Marrakech enjoys diverse climates with hot summers, mild winters, and pleasant spring and autumn, suitable for various activities. Best Time to Visit: Ideal visiting months are March to May and September to November, when...

How to Travel to Normandy France

Exploring Normandy, FranceTraveling to Normandy, France promises a journey filled with rich history, picturesque landscapes, and culinary delights. From the rolling hills topped with apple orchards to the historic sites commemorating the D-Day invasion, Normandy...

Are Travel Agents Still a Thing?

Are Travel Agents Still a Thing? Short answer - YES! Travel agent's help with all aspects of travel from flights, hotel recommendations, tours, and support.Why do people still use a travel agent? Travel Agents or "Travel Advisors" help clients will a many aspects...

Don’t Miss A Thing!

Subscribe to our Newsletter