Lost my passport in lyon, france while on holiday with my family. My family went on home while i had to stay in farance, pay for an emergency passport application, travel to paris and 4 night of hotel while i waited for the embassy interview and finally a "next seat avaialble" eurostar ticket at like 2x the usual price. Allianz denied my claim because i didnt report the loss of the passport at the police station closest to where we stayed, and instead went to the airport with my family and reported it there. No sympathy, no common sense, no acceptance that i was acting under pressure and stress, and totally screwed because of some very specific fine print you're somehow meant to remember when youre over 7 days into a holiday and in a high-stress situation. I've used their travel insurance for over 15 years, and never made a previous claim. If you need travel insurance, find someone more reliable. Allianz doesn't care about its customers anmd will cheat you on a technicality.