We have had to make 2 claims for the one trip. We have used Allianz, both for individual trips and annual insurance. We had the annual cover for the year that Covid became a problem. We had taken one trip, but others planned for the year were cancelled without cost to us so no need to claim. Allianz refunded a pro-rata portion of the insurance premium as we could not use it due to Australian travel restrictions.
We have recently had to make a claim through Allianz for a disastrous 7-week trip to Europe. I was isolated for 5 days in cabin for Covid, my husband had a heart attack (not severe) when docked in Edinburgh and was in hospital for 7 days, we were able to reboard our ship after 9 days and continue our holiday and then we were robbed in Spain.
Allianz covered all costs including refunding the cruise fare for the 9 days we were off the ship. Allianz medical team were wonderful to work with and provided much needed support. They also liaised with the ship medical team to ensure they were happy for us to continue with our holiday. We always buy the cruise package that includes medical evacuation from Ship and trip interruptions.