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Allianz Will not cover Covid quarantine or delays in France or Spain

I bought a policy for a trip to Spain & France primarily in case of interruption due to Covid 19 (on October 27, 2021). Since purchasing this insurance that I found on the Delta Airlines website, the U.S. State Department declared Spain & France Covid level 4 countries. This is an increase since we purchased it. Now they will not allow me to cancel the insurance due to a 15 day time frame to cancel from the date of purchase. We are both vaccinated & have boosters.

We live in Arkansas & our current state Covid status is over 100,000 active cases per 7 days. The hospitals are at the highest level in the pandemic. The irony is hard to miss. Allianz insurance is excluding any coverage due to Covid, since we will be safer in France than in Arkansas. Check it out within the first 15 days or you might be stuck. If going to France, or any other level 4 country as designated by the State Department, you'll be out of coverage for Covid.

I must confess 34 plus pages of legalese is beyond my comprehension. This included the Epidemic Coverage endorsement from Jefferson Insurance Co. That is why I called and questioned Mary, George, supervisor Pedro and followup questions for Andy & her supervisor, Cecilia. Just be sure to contact your attorney to make sure you are covered for Covid.

Posted by
1121 posts

Steve, I’m a little confused, are you trying to cancel the policy? That you can’t do because of an increase in covid numbers. But, if you have the epidemic coverage endorsement, you are covered if you go on the trip and have to quarantine. You can find some good info. here on their website, detailing what is covered:

I used this company for my trip last Sept, but did not need to file a claim. So, I can’t comment on how claims are handled.

Posted by
3280 posts

As with any insurance purchase, reading the fine print is of paramount importance. I remember noticing, some years ago, while checking out some travel policies, that pandemics were excluded from cancel “for any reason” policies. Acts of terrorism, too, as I recall. Of course, in our naive pre-covid days, who imagined our current situation?
I am not at all blaming the victim here. I’m just reflecting on how difficult it has become to make wise choices in the very complicated and ever changing universe of covid.
Sorry, Steve, and I hope you have a good and healthy trip.

Posted by
10938 posts

I have an annual policy with Allianz and I'm covered even if a country becomes Level 4 (I asked). I'm also covered if there is a delay due to Covid. It's not specific to Covid but I won't be denied because of it.

As was stated earlier, every policy is different and you have to read the fine print.

Posted by
6501 posts

I have an annual high level allianz policy and their web site states annual policies don't include the COVID coverage. About to re-up and travel again -- what policy did you get that covers COVID?

Posted by
67 posts

After purchasing my flight tickets from Delta, an Allianz insurance offer was lower on the same page. Delta’s site offered this policy suggesting Covid coverage in the policy. I thought it must be good if Delta was sponsoring it. I called to check it out & spent 2 hours on the phone.

I’m moving on but wanted to warn others. It’s not going to ruin our trip.

Posted by
280 posts

I have asked and they have told me we are covered with the Travel Guard policy I purchased, but I will be calling again this week as I need to add my airfare, maybe. With so many covid cases currently, I am hoping things will be much better by the time we leave on April 30. I am also budgeting money in case the policy doesn't cover everything, and we end up quarantining there. I love your persistence! I, too, record the names of everyone I talk with!

Posted by
10938 posts

I have an annual high level allianz policy and their web site states annual policies don't include the COVID coverage. About to re-up and travel again -- what policy did you get that covers COVID?

It does not specifically say they cover Covid. What they say, and have said for months, is that you will not be denied coverage due to Covid. I received an email stating this just before purchasing the policy in October and it was confirmed by an agent.

It's possible it's not available in your state. It's best to talk to an agent.

Posted by
67 posts

I would suggest you print out the entire policy. The policy even says no one can verbally change the written policy, (this is on my policy’s page 21.) Meaning you need to read “your policy”. It would take 10 pages to list the conflicting statements in my policy. Look at the General Exclusions, items not covered-page 16. It list all 25. “#14, An epidemic; #22, Acts, travel alerts/bulletins, or prohibitions by any government or public authority, except as expressly covered under Trip Cancellation Coverage or Trip Interruption Coverage.” The State Department list Level 4 countries, “do not travel.” The CDC is also a “public authority.” Allianz told me if we traveled to a level 4 country, Covid was excluded. Read the Trip Cancellation Coverage. This has some even more convoluted ways of making you wonder if you might be covered or excluded in case of Covid or a quarantine. Are you specifically “named” in the quarantine? Then you may not be covered. I hope you are an attorney.

We’ll, as Tom Hanks would say, thats all I got to say about that. All future questions should be referred to Allianz. Make sure you have a written copy of your policy & written questions. I’m chillin’, happy travels!

Posted by
10938 posts

An annual policy is different from a per trip policy. And the level of coverage you get may be different from another policy to another.

Posted by
1121 posts

I’m not sure you are understanding what the Epidemic Coverage endorsement is. This endorsement, if you have it with your policy, does indeed change the original terms of the policy.

From the Allianz website:

Claims due to known, foreseeable, or expected events, epidemics,
government prohibitions, warnings, or travel advisories or fear of
travel are generally not covered. As such, our travel insurance plans
do not generally cover trip cancellations or interruptions directly or
indirectly related to COVID-19.

However, we are pleased to announce the introduction of our Epidemic
Coverage Endorsement to certain plans purchased on or after March 6,
2021. This endorsement adds certain new covered reasons related to epidemics (including COVID-19) to some of our most popular insurance
Please see the below FAQ section on “Epidemic Coverage
Endorsement” for more information. Note, the Epidemic Coverage
Endorsement may not be available for all plans or in all
jurisdictions. To see if your plan includes this endorsement, please
look for “Epidemic Coverage Endorsement” on your Declarations of
Coverage or Letter of Confirmation.

Posted by
1 posts


I work in Marketing at Allianz Global Assistance USA. We're sorry to hear that you've been unhappy with your travel insurance purchase.

You may be interested to know that we've made several important temporary and permanent accommodations to assist customers who may be impacted by COVID. You can read about these accommodations in our coverage alert here:

Customers may change their travel protection plan’s effective dates to cover a new or rescheduled trip, as long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date. Changes can be made at or by calling the phone number on their plan.

Please note, if you wish to move your plan’s covered trip dates to cover a new or rescheduled trip, you must update your trip dates prior to the departure date of that new or rescheduled trip and prior to any loss for which you seek coverage. Additionally, if your trip costs for your new or rescheduled trip are different than the cost of your original trip, you will need to update your plan’s coverage limits accordingly. Any change in trip cost insured for the new or rescheduled trip may result in a change in premium. If you update your plan’s trip dates to cover a new or rescheduled trip but do not adjust your limits, the original plan limits will apply to the new or rescheduled trip.

Alternatively, for a temporary period, we are offering refunds for the cost of your single-trip travel protection plan to customers who wish to cancel their travel protection plan if the customer’s travel supplier canceled the customer’s trip due to COVID-19, so long as no payable claim has been filed under the plan. (This is not available for annual travel insurance plans, which may be cancelled any time for a refund of unearned premium.) Please call us at the number listed on your plan and we will be happy to assist you. Refunds must be requested within 770 days of the original plan purchase date.

You may also be interested to know that our coverage for COVID-related cancellations, interruptions and medical emergencies continue to apply regardless of any U.S. Centers for Disease Control and Prevention (CDC) and U.S. Department of State travel alerts regarding COVID-19 that exist on the effective date of this Coverage Alert.

I hope this information is useful and and safe travels.

Posted by
8261 posts

This is extremely useful. I appreciate that the company is watching for posts and sharing information directly.

Because every state has different regulations that affect policies, often answers are valid for only the poster's state and not others.

Posted by
90 posts

I spoke to a representative at Allianz yesterday, and was told the “one trip premier” and the “all trip premier” (annual policy) would be voided if I traveled to any US state department designed level 4 country. This includes all Covid related coverage being void too. I was asking about France specifically. I did not ask about their “all trips executive” policy which seemed to be suited for business travelers. I’m going to call again tomorrow and ask again just to be sure. My trip is not until July so hopefully France will drop to a level 3 by then.

Posted by
10938 posts

I just looked at my Allianz Annnual Premier Plan.

1) I has no mention of Level 4 exclusion..(I also asked about this before I bought the policy.)

2) It has an epidemic endorsement. It states that any illness due to an epidemic or pandemic as referred to by thhe WHO or CDC will be reason for coverage.

Policies are different depending on the state you are in.