Travel Insurance

[Mum from oz]

Who did you go with for travel insurance and why? Is there anything I need to look for in particular? Obviously price will be a factor but that and making sure we are covered for everything too. I know there are plenty of us who have already done trips, so who did YOU use?

 

[PrincessInOz]

I'm going with AussieTravelCover. We have family friends that are TA and we try to buy our long haul ticket with them (usually there is about a $20 difference between them and the on-line prices...but they are family friends!) and we get our travel insurance through them as well. They give us a significant discount on the insurance...it is even cheaper than the on-line price if we went direct.

For the US, we normally buy the top cover available. For the age group that we are in (80 and under), I think ATC have a $100 excess for some items but it is nil for the ones that I want to be covered for; a 24 hour 1800 contact number and have never quibbled when I've needed support for medical cover.

It also covers for cancellations beyond your control (not acts of god), lost luggage and theft.

 

[queenie82]

We used to use NRMA which can be good for couples and if you are already a member I believe there is a discount.

However due to the need for pre-existing medical cover we have gone with covermore last couple of times and they are wonderful. We had to claim medical and everything went smoothly and they were very helpful even when stressed.

They also offer ANNUAL cover which has also been very helpful...
And like normal cover you can get it out from when you book. But the 'date' doesn't start until the actual trip.

You can get it from covermore direct or through ahm
http://www.ahm.com.au/140/travel/travel-insurance
www.covermore.com.au

They aren't the cheapest from memory. But as I say...they are good. And if you are going anywhere twice within a year you save money on the annual. And you are covered that whole time.

 

[GrazingGoat1966]

We have used Allianz before with no problems. Last trip we paid for our airline tickets with our Amex card and travel insurance was included for no extra charge.

 

[disneydownunder]

I went with Southern Cross Travel Insurance (SCTI.com.au) they were not only the cheapest out of the big companies but when I looked what they covered it was the same/better than the big companies. I am using them again this upcoming trip.

Personally the things I look for in Travel Insurance are the following in this order:
1) What is covered
2) The Price
3) How easy it is to contact the company in emergency situations, with SCTI you can reverse charge from anywhere as many times as you like, but I am sure other Insurance carriers allow this too.

I remember I came in under budget for the Insurance last time to DLR and bought myself and my wife a Fantasmic Desert Buffet in the park!
So without sounding like a commercial I was happy with them, its worth a 30 second look at the website, Hope that helps.

 

[jacknell]

In order to overcome any risk that may be encountered, you travel, you should get travel insurance. This benefit can be used for domestic and international travel. It is valid for periods up to twelve months. The available options typically travel package travel medical plan or program.

 

[WAMUMOF4]

I'm going with AussieTravelCover. We have family friends that are TA and we try to buy our long haul ticket with them (usually there is about a $20 difference between them and the on-line prices...but they are family friends!) and we get our travel insurance through them as well. They give us a significant discount on the insurance...it is even cheaper than the on-line price if we went direct.

For the US, we normally buy the top cover available. For the age group that we are in (80 and under), I think ATC have a $100 excess for some items but it is nil for the ones that I want to be covered for; a 24 hour 1800 contact number and have never quibbled when I've needed support for medical cover.

It also covers for cancellations beyond your control (not acts of god), lost luggage and theft.

PrincessinOZ i just checked a price online with them and they are $140 cheaper than the quote i have been given by AAMI is this who you always use?
I can say aami is great to deal with but the truth is we have not had to have a claim!

 

[Snickals]

I had my travel insurance through Medibank, I have my health insurance with them so was able to get a discount and was happy with the price I paid and the coverage I got.

 

[heidispidi]

I went with CGU last time, for price. Didn't need to use it so not sure if it would have covered whatever I might have needed

 

[WAMUMOF4]

PrincessinOZ i just checked a price online with them and they are $140 cheaper than the quote i have been given by AAMI is this who you always use?
I can say aami is great to deal with but the truth is we have not had to have a claim!

Okay well um i have to admit i made a mistake i put our date of births in as our travel date so they were going to insure us as 3 month old instead of in our 30's So when i did our date of births correct they were not cheaper than AAMI so i will stick to them

 

[BecBennett]

We went with covermore's annual policy for our most recent trip.

The most important thing is how easy it is to make a claim. I'm about to put one in now, so I'll try and check back to let you know how it went

 

[Sugarglider]

I get insurance included with my credit card from the bank. I've never had to claim so I don't know if there are any problems with them

 

[antmeal]

I went to Hong Kong, Finland and England in 2010 and had our insurance with Travel Insurance Direct. I found this company to be absolutely fantastic; it is the least expensive of all, it covers the most situations and the follow-up emails I received when we got back were very much appreciated. I'm booked on the Fantasy Western Cruise on 18 August 2012 and shall definitely get my insurance through TID again. (And 'No', I don't own the Company )