Allianz Travel (Alliance Insurance)
Allianz Travel is the Allianz Partners travel insurance brand, sold in the UAE at allianz-assistance.ae. The insurer on these policies is Alliance Insurance PSC, a Dubai company founded in 1975 and listed on the Dubai Financial Market. NEXtCARE, appointed by Allianz Partners, services the policies and manages claims. Alliance Insurance also sells travel policies under its own name.
Out of 5 from 225 Google reviews across 4 offices
- eKomi (Allianz Travel UAE)4.238 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Allianz Travel (Alliance Insurance)
Allianz Travel (Alliance Insurance) averages 3.2 out of 5 across 225 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
Allianz Travel (Alliance Insurance) travel insurance
Allianz Travel sells three levels of cover for UAE residents travelling abroad, Schengen, Standard and Premium, as single trip or annual multi-trip policies, with family, senior and sports options. A separate Travel to UAE plan covers visitors. Alliance Insurance also offers its own Standard and Budget travel policies on alliance-uae.com.
| Plan | Type | What it is |
|---|---|---|
| Allianz Travel Schengen | Single trip, UAE residents | Meets Schengen visa requirements. Emergency medical USD 60,000, trip cancellation USD 2,000, baggage USD 1,000, travel delay USD 100. No personal liability cover.4 |
| Allianz Travel Standard | Single trip or annual multi-trip, UAE residents | Worldwide. Emergency medical USD 250,000, trip cancellation USD 3,000, baggage USD 1,500, travel delay USD 200, personal liability USD 250,000.4 |
| Allianz Travel Premium | Single trip or annual multi-trip, UAE residents | Emergency medical USD 550,000, trip cancellation USD 5,000, baggage USD 2,000, travel delay USD 500, personal liability USD 500,000.4 |
| Allianz Travel to UAE | Inbound, visitors to the UAE | For visitors from any country, for stays of up to 3 months. One level of cover: emergency medical USD 150,000, with evacuation, repatriation and return of dependents included and search and rescue up to USD 1,000. Must be bought before the trip starts.20 |
| Alliance Insurance travel policy (Standard and Budget) | Single trip or annual, sold by Alliance Insurance | Alliance's own travel policy, separate from Allianz Travel. Alliance says both levels meet Schengen visa requirements, with outbound cover for UAE and GCC residents and inbound cover for visitors. It publishes no limits on the page and asks you to call +971 4 605 1111 or email care@alliance-uae.com for details.25 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Included | USD 60,000 on Schengen, USD 250,000 on Standard and USD 550,000 on Premium, with emergency dental up to USD 100, USD 100 and USD 300. The cover is secondary: if you have health insurance, claim there first, and anything it pays is deducted.1 |
| Medical evacuation and repatriation | Included | Evacuation, medical repatriation, transport of a relative to your bedside, return of dependents and repatriation of remains share one limit: USD 60,000, USD 250,000 or USD 550,000 by level. Allianz must arrange it in advance, or it pays only what it would have paid.1 |
| Trip cancellation | Included | USD 2,000 on Schengen, USD 3,000 on Standard and USD 5,000 on Premium, for 26 listed reasons, including illness, quarantine, a refused tourist visa and a carrier unable to fly you for 24 hours. Tell your travel suppliers within 72 hours of finding out.1 |
| Trip curtailment | Included | USD 2,000 on Schengen, USD 3,000 on Standard with a 10% deductible, and USD 5,000 on Premium with a 15% deductible. Early or delayed return, onward journey and up to 5 days of extra accommodation at USD 200 a day apply on Standard and Premium only.1 |
| Travel delay | Included | After a delay of at least 4 hours, up to USD 100 on Schengen, USD 200 on Standard and USD 500 on Premium, with a limit per 24 hours of USD 100, or USD 150 on Premium. Costs the airline or supplier must pay are not reimbursed.1 |
| Baggage | Included | USD 1,000 on Schengen, USD 1,500 on Standard and USD 2,000 on Premium. Per item USD 50 or USD 100, and all high-value items together USD 350 or USD 1,000. Payment drops 10% for each full year since purchase, to at most 50% off.1 |
| COVID-19 | Depends on plan | Being diagnosed with an epidemic or pandemic disease such as COVID-19 is a listed reason for cancelling. Epidemics and pandemics are otherwise excluded, except where cancellation, interruption, travel delay or emergency medical cover refers to them.1 |
| Personal liability | Depends on plan | USD 250,000 on Standard and USD 500,000 on Premium. The Schengen level has none.1 |
More cover details (8)
| Cover | With this insurer | Details |
|---|---|---|
| Baggage delay | Included | After a delay of at least 4 hours, up to USD 200 on Schengen and Standard and USD 300 on Premium.1 |
| Sports and hazardous activities | Optional extra | A Sports Cover add-on. Without it, the wording excludes skydiving, bungee jumping, off-piste skiing, climbing, high-altitude activities and scuba diving deeper than 20 metres or without a dive master. With it, missed activity, sporting equipment and equipment rental cover are added.1 |
| Travel accident | Depends on plan | USD 25,000 on Standard and USD 35,000 on Premium for death or disability from an accident on the trip. The Schengen level has none.1 |
| Lost passport and personal money | Depends on plan | Identification documents and personal money withdrawn from an ATM, each USD 250 on Standard and USD 500 on Premium. The Schengen level has neither.1 |
| Direct billing abroad | Depends on plan | If you call the emergency line first, Allianz directs you to a network hospital and arranges direct billing where the hospital accepts it. Elsewhere you pay and claim back.5 |
| Trip length | Depends on plan | On annual policies each trip is covered up to the 90th day. On single-trip policies the wording ends cover on the 180th day of the trip.1 |
| Trip length, website | Depends on plan | The home page describes single-trip cover as up to 90 days, which differs from the 180th day in the wording.4 |
| Age limits | Depends on plan | The website covers travellers from birth to 85, with a Senior plan for ages 66 to 85, and offers Sports Cover up to age 65.4 |
Published prices
- The home page gives single-trip prices from AED 68 on Schengen and AED 81 on Standard for an adult aged 18 to 65 travelling up to 5 days (Standard: worldwide excluding the USA and Canada), and from AED 106 on Premium, as of 12 November 2026. Its FAQ gives Travel Schengen from AED 86.4
- Annual multi-trip from AED 706 on Standard and AED 956 on Premium, as of 12 November 2026.21
- Travel to UAE from AED 50 for an adult staying up to 7 days. Family from AED 170 and Senior (66 to 85) from AED 170 for up to 5 days in Schengen countries. Children pay 50% of the adult rate. As of 12 November 2026.4
Check before you buy
- Pre-existing medical conditions, for you, family members and travelling companions. The wording counts any condition, symptom or circumstance you knew of, or ought to have known of, before cover started. No diagnosis is needed.1
- Any claim arising from a health condition if, when you bought the policy or booked the trip (whichever is later), you were on regular prescribed medication, had seen a doctor or specialist for any condition in the past 6 months, or were awaiting tests or treatment.23
- Any loss, condition or event that was known, foreseeable or expected when you bought the policy.1
- Losses linked to the reason for a government order or advice against travel, if you travelled against it.1
- War or acts of war, and political risk.1
Policy documents
- Global Individual policy wording (outbound, UAE residents)Policy wording
- Inbound to UAE policy wordingPolicy wording
- Online claim formClaim form
How to claim with Allianz Travel (Alliance Insurance)
- Claims phone+971 4 270 8705 (press 1 for emergencies
- Claims phone24 hours)
- Claims WhatsApp+971 56 216 4563
- Claims emailtravel.claims@nextcarehealth.com
- Claim onlineOpen claim page
Steps
- In a medical emergency, call +971 4 270 8705 and press 1, 24 hours a day, before you get treatment where possible. If it is life-threatening, go to the nearest hospital first and call as soon as you can.5
- Always call the emergency line if you are admitted to hospital, need repatriation, or your medical bills are likely to exceed USD 500.1
- If you have other health insurance, claim there first. Allianz cover is secondary, so send the other insurer's settlement letter with your claim.5
- File the claim online at travelclaims.tatsh.cloud, or ask for a claim form by phone on +971 4 270 8705 or WhatsApp on +971 56 216 4563, 8am to 8pm Monday to Friday. Send it as soon as possible with the documents listed here.1
- NEXtCARE, the claims administrator appointed by Allianz Partners, manages the claim and contacts you if it needs more. Alliance Insurance is the insurer.1
Documents to have ready
- Original booking invoices and travel documents showing your travel dates1
- A copy of your passport1
- Original receipts and bills for the costs you are claiming1
- Details of any other insurance that may cover the same loss1
- A medical certificate or report from the treating doctor for an illness or injury1
- A police report for theft, made within 24 hours, and a property irregularity report from the airline for baggage1
- Written confirmation from the carrier of the scheduled and actual departure times for a delay1
- Tell your airline, hotels and tour operators within 72 hours of knowing you must cancel or cut short a trip. A refund lost by telling them later is not made up.1
- Report theft to the local police within 24 hours. Get a property irregularity report from the airline within 7 days for baggage delayed, lost or damaged in its care.1
- Allianz asks for baggage loss, damage or delay claims to be filed within 21 days.18
- A claim expires after three years, counted from the end of the year in which it was filed and you knew, or should have known, the circumstances.1
Not happy with a claim? Complain to Allianz Travel (Alliance Insurance) at travel@nextcarehealth.com first. How to complain about an insurer.
About Allianz Travel (Alliance Insurance)
- Legal name
- Alliance Insurance
- Founded
- Established 1 July 1975 as Credit and Commerce Insurance Company. Incorporated 6 January 1982. Became a public shareholding company in January 1995.3
- Type
- Conventional insurer. It writes general, life and health insurance.8
- Owner
- Publicly listed. The Dubai Financial Market's list on 5 November 2026 shows Solidarity Bahrain with 28.985%, bought in November 2024, and Gulf Insurance Group with 20%. Four other holders have between 5% and 7.95% each.17
- Listed on
- Dubai Financial Market, ticker ALLIANCE16
- Headquarters
- Warba Center, Deira, Dubai7
- UAE branches
- Head office at Warba Centre, plus five branches: two in Dubai and one each in Abu Dhabi, Sharjah and Ras Al Khaimah (FY2025 report).8
- Also sells
- Motor, Medical, Life, Home, Property, Marine, Aviation, Pet6
- Previous name
- Credit and Commerce Insurance Company3
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 182
Financial strength
The ratings and figures are for Alliance Insurance, the company that underwrites Allianz Travel policies in the UAE, not for the Allianz group. AM Best kept the A- rating but moved its outlook to negative on 21 November 2025, saying Alliance has reported non-life underwriting losses since 2022 after expanding in medical and motor.
News and official actions
- Official action
The Department of Health Abu Dhabi raised observations and fined Alliance AED 30,000. Alliance's FY2025 report describes this one fine in its text, and its table counts 2 fines totalling AED 30,000.8
- Official action
The Department of Health (DOH) fined Alliance AED 22,500 in total after an audit made 3 findings about not releasing renewal terms 30 days before expiry.10
- Alliance and Policybazaar.ae launch a term life plan
The Smart Return Term Plan is life cover with an option to get base premiums back.15
- Solidarity says it is raising its Alliance stake to 49%
An Entrepreneur article under Solidarity Group Holding's name says the stake goes from 29% to 49% by year-end.14
- Alliance reports AED 20.2 million first-half profit
Profit after tax for the six months to 30 June 2026 was AED 20,186,311, up from AED 10,828,606 a year earlier.9
- Alliance reports AED 37.0 million profit for 2025
Net profit after tax was AED 36,958,002, up from AED 27,180,428 in 2024.3
- AM Best moves Alliance outlook to negative
AM Best affirmed the A- rating and gave a three-year (2022 to 2024) weighted average combined ratio of 139.6%, as calculated by AM Best.11
Contact Allianz Travel (Alliance Insurance)
- Phone+971 4 270 8705
- WhatsApp+971 56 216 4563
- Emailtravel@nextcarehealth.com
- Complaints emailtravel@nextcarehealth.com
- ComplaintsOpen complaints page
- HoursCustomer service and claims: 8am to 8pm (GST), Monday to Friday. Emergency line: 24 hours. Allianz's Policy Documents page gives email hours of 8:30am to 5:30pm, Monday to Friday.
- Head officeNEXtCARE (policy servicing and claims), Effiel Boulevard Limited Building, 1st floor, Umm Al Sheif, Sheikh Zayed Road, PO Box 80864, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| NEXtCARE, policy servicing and claims | Effiel Boulevard Limited Building, 1st floor, Umm Al Sheif, Sheikh Zayed Road, PO Box 80864, Dubai | +971 4 270 8705 |
| Alliance Insurance, insurer | Office 208, 2nd floor, Warba Centre, PO Box 5501, Dubai | +971 4 605 1111 |
Common questions
Who is the insurer behind Allianz travel insurance in the UAE?
The policy wording says Allianz Partners travel insurance is underwritten by Alliance Insurance PSC, Warba Centre, Dubai, and that claims are managed by Nextcare, a third party administrator appointed by Allianz Partners.1
What is the Allianz travel insurance emergency number?
Call +971 4 270 8705 and press 1. The line is open 24 hours a day, every day. For emergency queries that are not urgent, email assistance@nextcarehealth.com.18
How do I make an Allianz travel insurance claim?
File it online at travelclaims.tatsh.cloud, which is open 24 hours, or call +971 4 270 8705 or email travel.claims@nextcarehealth.com, 8am to 8pm Monday to Friday. Keep your original documents.5
Is Allianz travel insurance accepted for a Schengen visa?
Allianz says all its outbound plans are visa-compliant and marks the Schengen, Standard and Premium levels as Schengen visa compliant.4
Up to what age does Allianz Travel cover you?
Its website says it covers travellers from birth to 85, with a Senior Travel plan for ages 66 to 85. Sports Cover is offered up to age 65.4
Does Allianz sell travel insurance for visitors to the UAE?
Yes. Travel to UAE is for visitors from any country, for stays of up to 3 months, with emergency medical cover up to USD 150,000. You must buy it before the trip starts, and each visit needs its own policy.20
Can I get a refund on an Allianz travel policy?
Yes, within 14 days of receiving your policy documents, if the trip has not started and no claim has been made. There is no refund for unused days on single trip or annual policies.4
Does Allianz travel insurance cover pre-existing conditions?
They are excluded as standard. Allianz says that if you have a pre-existing condition and need cover for it, you should contact it before buying to discuss your options.23
Sources
25
1Allianz Partners, underwritten by Alliance Insurance PSC, Global Individual policy wording. Last checked 12 Nov 2026. Source document: Global Individual policy wording
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3Alliance Insurance, Financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Financial statements for the year ended 31 December 2025
4Allianz Partners UAE, International Travel Insurance UAE (Allianz Travel home page). Last checked 12 Nov 2026. Source document: International Travel Insurance UAE (Allianz Travel home page)
5Allianz Partners UAE, How to File a Travel Insurance Claim. Last checked 12 Nov 2026. Source document: How to File a Travel Insurance Claim
6Alliance Insurance, Home page. Last checked 5 Nov 2026. Source document: Home page
7Alliance Insurance, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
8Alliance Insurance, Annual Integrated Report FY2025. Last checked 5 Nov 2026. Source document: Annual Integrated Report FY2025
9Alliance Insurance, Condensed interim financial information, six months to 30 June 2026. Last checked 5 Nov 2026. Source document: Condensed interim financial information, six months to 30 June 2026
10Alliance Insurance, Integrated Report 2024. Last checked 5 Nov 2026. Source document: Integrated Report 2024
11AM Best, AM Best Revises Outlooks to Negative, Affirms Credit Ratings of Alliance Insurance (PSC). Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Negative, Affirms Credit Ratings of Alliance Insurance (PSC)
12AM Best, AMB Rating Disclosure Report, Alliance Insurance (PSC). Last checked 5 Nov 2026. Source document: AMB Rating Disclosure Report, Alliance Insurance (PSC)
13Atlas Magazine, Solidarity Bahrain acquires stake in Alliance Insurance. Last checked 5 Nov 2026. Source document: Solidarity Bahrain acquires stake in Alliance Insurance
14Entrepreneur (byline: Solidarity Group Holding), Inside Solidarity Group Holding's Playbook for Building a Regional Insurance Leader. Last checked 5 Nov 2026. Source document: Inside Solidarity Group Holding's Playbook for Building a Regional Insurance Leader
15Zawya, Policybazaar.ae and Alliance Insurance launch Smart Return Term Plan. Last checked 5 Nov 2026. Source document: Policybazaar.ae and Alliance Insurance launch Smart Return Term Plan
16Dubai Financial Market, Alliance Insurance PJSC company page and disclosures. Last checked 5 Nov 2026. Source document: Alliance Insurance PJSC company page and disclosures
17Dubai Financial Market, Alliance Insurance PJSC top shareholders. Last checked 5 Nov 2026. Source document: Alliance Insurance PJSC top shareholders
18Allianz Partners UAE, Contact Allianz Travel UAE. Last checked 12 Nov 2026. Source document: Contact Allianz Travel UAE
19Allianz Partners UAE, Travel Insurance Policy Documents. Last checked 12 Nov 2026. Source document: Travel Insurance Policy Documents
20Allianz Partners UAE, Inbound Travel Insurance to UAE. Last checked 12 Nov 2026. Source document: Inbound Travel Insurance to UAE
21Allianz Partners UAE, Annual Multi-Trip Travel Insurance. Last checked 12 Nov 2026. Source document: Annual Multi-Trip Travel Insurance
22Allianz Partners UAE, About Allianz Travel. Last checked 12 Nov 2026. Source document: About Allianz Travel
23Allianz Partners UAE, Health declaration and health exclusions. Last checked 12 Nov 2026. Source document: Health declaration and health exclusions
24eKomi, Allianz Travel, United Arab Emirates customer reviews. Last checked 12 Nov 2026. Source document: Allianz Travel, United Arab Emirates customer reviews
25Alliance Insurance, Travel Insurance. Last checked 12 Nov 2026. Source document: Travel Insurance
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published