Travel Insurance

[actiondell4]

Well this trip,im thinking of taking less travel insurance out.

I have always had travel insurance but never ever used it,so im thinking why bother to have everything included?

Well i read the fine print on one which said if you dont have a international drivers licence you cannot claim for a rental vehicle excess and other fine print that if you are not wearing a seat belt etc etc.

I think all i need is medical emergency,i dont have any luggage or video cameras so all i want is emergency.

Has anyone ever had probs with insurance when claiming?

qoutes for me for 8 weeks to Thailand range from $60 to 470

The $60 dollar one sounded good until i read its fine print that its offices in emergencies only open mon to friday between 10am and 4pm.

Well its hard to choose a company.

Do i need included personal liability insurance,i guess so.

but i dont need theft insurance included i dont think./

[david96]

Well this trip,im thinking of taking less travel insurance out.

I have always had travel insurance but never ever used it,so im thinking why bother to have everything included?

Well i read the fine print on one which said if you dont have a international drivers licence you cannot claim for a rental vehicle excess and other fine print that if you are not wearing a seat belt etc etc.

I think all i need is medical emergency,i dont have any luggage or video cameras so all i want is emergency.

Has anyone ever had probs with insurance when claiming?

qoutes for me for 8 weeks to Thailand range from $60 to 470

The $60 dollar one sounded good until i read its fine print that its offices in emergencies only open mon to friday between 10am and 4pm.

Well its hard to choose a company.

Do i need included personal liability insurance,i guess so.

but i dont need theft insurance included i dont think./

You could trythis website

Edited February 25, 2008 by Buckwheat
URL removed, please see forum rules

[peter991]

I would definitely recommend Travel Insurance. A couple of points to note:

1) If I pay for my airfares with my CBA Gold Visa card, I automatically get limited travel insurance

2) When I fly Air Asia, I tick the box which covers limited travel insurance.

3) If you have a pre-existing medical condition - be very careful. You can NOT get an online policy cheaply. You have to visit a Doctor and get them to fill in a lengthy form.

4) Comparing MBF (link above) and my preferred online travel insurance provider, 1 Cover, for an 8 day trip to Thailand, MBF wants $AUD117, 1Cover wants $65.

Peter

[david96]

I would definitely recommend Travel Insurance. A couple of points to note:

1) If I pay for my airfares with my CBA Gold Visa card, I automatically get limited travel insurance

2) When I fly Air Asia, I tick the box which covers limited travel insurance.

3) If you have a pre-existing medical condition - be very careful. You can NOT get an online policy cheaply. You have to visit a Doctor and get them to fill in a lengthy form.

4) Comparing MBF (link above) and my preferred online travel insurance provider, 1 Cover, for an 8 day trip to Thailand, MBF wants $AUD117, 1Cover wants $65.

Peter

Used this one for a 30 day cover.

Edited February 25, 2008 by Buckwheat
URL removed, please see forum rules

[tartempion]

I have year round travel insurance because premium for more than 2 weeks will often exceed yearly fee and I used to away from home almost weekly.

Now I stay in Thailand 10 months/year and have travel (mailnly medical) insurance valid for 180 days trips, then need to be in my home country for at least two weeks, fits me perfectly. Think I pay 170 euro for family, 70 euro individual.

Covers medical cost up to 1,250,000 euro.

Had a myocardial infarct in Thailand May 2000, never saw first hospital bill, 5 days must have been, Bumrungrad 11 days, 200k Baht, wife flewn over at insurance company expense and cardiologist flewn over and flight back all of us in business class. Guess total expense would be around 500k.

Glad I had the insurance.

You are better off to pay insurance premium every year and never run into health problems, believe me.

Edited February 24, 2008 by tartempion

[Jale]

...

You are better off to pay insurance premium every year and never run into health problems, believe me.

Sounds like "You're better off rich and healthy than poor and sick".

[endure]

3) If you have a pre-existing medical condition - be very careful. You can NOT get an online policy cheaply. You have to visit a Doctor and get them to fill in a lengthy form.

In the UK if you have pre-existing conditions you just have to call the insurance company and answer a series of questions related to that condition ('Has your meds dosage changed in the past 6 months', 'Have you had to visit a hospital in the last 6 months' etc.).

[AsiaCheese]

3) If you have a pre-existing medical condition - be very careful. You can NOT get an online policy cheaply. You have to visit a Doctor and get them to fill in a lengthy form.

In the UK if you have pre-existing conditions you just have to call the insurance company and answer a series of questions related to that condition ('Has your meds dosage changed in the past 6 months', 'Have you had to visit a hospital in the last 6 months' etc.).

What's "pre-existing"? My wife developed kidney stones (self-disappearing after a few days) on her first visit to Switzerland. Blue Cross refused to pay on grounds of "pre-existing condition". Except she had never had anything like that, nor shown signs of it before the trip. Nobody in her family had either. After a number of phone calls and letters, the money finally came...

Yes, I know: kidney stones don't "happen" overnight, and travel insurances often (always?) restrict cover to "sudden" occurences of health problems. But hey: that heart attack at 60 might just come from all the things one has or hasn't done over the past 40 years or so -- does that also qualify as "pre-existing"?? Me thinks not, but I'm not an insurance company trying to wiggle their way out of payments wherever possible...