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Advice on the best travel insurance

posted 7-11-2012 @ 09:47 PM www
Advice on the best travel insurance

21yr old daughter going to Europe for a month with a friend - Any advice on best/most economical travel insurance so she's covered for all eventualities including cancellation of the trip if either can't go for some reason? Thanks!
posted 7-11-2012 @ 10:05 PM www


Although I know theres others cheaper I've always gone with Medibank, HBF or QBE as they've always offered the best coverage at a good price all3 offer 10% discount if your a member.

I've never had a problem claiming luggage or medical optical with any of the above




posted 7-11-2012 @ 11:05 PM www


We're in the same boat. I just booked my son's trip to Scotland a few minutes ago and said I'd help him search for reasonably priced insurance as the online quote with his airline was about $500.
I didn't even know the health insurance companies also had travel insurance. Off to have a look now.

Edit - Just tried Medibank and it's almost half price at $258.




posted 8-11-2012 @ 09:31 AM www


try cover more insurance we have had two claims with them and no hassles good prices hope this helps
posted 8-11-2012 @ 10:12 AM www


Thanks. Cover more was a little cheaper again ($240) but not as generous as Medibank.
Quote:
Originally posted by pea1nuts
try cover more insurance we have had two claims with them and no hassles good prices hope this helps




posted 8-11-2012 @ 10:23 AM www


Hi Smiley - Are you using the multitrip option as the quotes are coming up a lot cheaper than that for me?
posted 8-11-2012 @ 10:32 AM www


TRavel insurance direct or TDI. Have been using them for years. They have never rejected a claim for us (have been 4). You can also find discount codes online (try buckscoop) for up to 20% off. The excess is very cheap too, I think it was $100 last time I bought in March.
posted 8-11-2012 @ 10:51 AM www


No, not the multitrip, but my son is away for at least twice as long as your daughter. My son's away for just over 2 months. Price goes up as the time away goes up.
Quote:
Originally posted by luludancer
Hi Smiley - Are you using the multitrip option as the quotes are coming up a lot cheaper than that for me?




posted 8-11-2012 @ 10:55 AM www


thanks for the info...in the same boat myself.....been booking extra element to my overseas trip I won through flight centre who use covermore.....been quoted $268 for them and medibank just gave me aquote of $221 (both with no excess)....hmmmm

has anyone made a claim with the medibank one?
posted 8-11-2012 @ 11:09 AM www


I found Covermore to be very good. A word of warning though ... if either of you have any "known conditions" make sure that you declare them and get cover for those conditions ... usually at a small extra cost ... or you may not be covered if anything eventuates as a result. Insurance Companies have a way of finding ANY excuse not to cover you ... but are glad to take your money.
posted 8-11-2012 @ 11:28 AM www


I had a claim with covermore early this year and was a nightmare wont go with them again
posted 9-11-2012 @ 06:46 AM www


Im pretty sure there have been numerous other posts about this as it comes up regularly. some are very lengthy. If you search for it I'm sure you'll find them helpful.
posted 9-11-2012 @ 10:46 AM www


I've had 2 claims with Medibank and never had a problem one was for lost luggage as it took a week for my checked bags to catch up with me and they paid a lot of $$ for me to buy new clothes toiletries etc only thing they didn't cover was the postage home of said new clothes/wardrobe as I basically had ended up with double the amount of luggage. They were ever so helpful on the phone and told me to keep calling back every 2 days for when my luggage didn't arrive so they could up the limit $$ I needed to spend to get more underwear and clothes. Just had to make sure I kept all my receipts bag tags evidence etc and send it all in when I got back so I could get my money back.

The other was for lost glasses again no hassles




posted 9-11-2012 @ 10:59 AM www


1cover are fantastic. My 5 month old daughter was rushed to hospital during our last holiday win in Paris. They helped from the start arranging an english speaking nurse to call us and help explain things, changed our flights and transfers till we were given the okay to leave. They then covered all medical expenses including the ambo, admission, tests, drugs etc, flight change costs, taxis to and from the hospital twice a day, everything. No hassles, no dramas, friendly and caring. Well priced too.
posted 9-11-2012 @ 11:24 AM www


http://www.worldnomads.com/

$111 for 4 weeks insurance - single under 66

I have used these a lot and done a few claims with them .. no hassles always pay out and do not increase your future quotes.

I have also used 1cover and they seem fine too




Yeh baby!!
posted 9-11-2012 @ 11:28 AM www


Oh if you decide to stay away longer world nomads allow you to increase your policy too when the cover runs out. Even by 1 day if required.



Yeh baby!!
posted 9-11-2012 @ 11:31 AM www


I use travel insurance direct and here is a discount code for them-WR39879.
posted 9-11-2012 @ 11:39 AM www


world nomads have been the cheapest quote so far however their website is terrible and difficult of find detailed information, information that's summarised on the quote page for any other travel insurance site.



posted 9-11-2012 @ 12:59 PM www


Quote:
Originally posted by Herebluecat
I've had 2 claims with Medibank and never had a problem one was for lost luggage as it took a week for my checked bags to catch up with me and they paid a lot of $$ for me to buy new clothes toiletries etc only thing they didn't cover was the postage home of said new clothes/wardrobe as I basically had ended up with double the amount of luggage. They were ever so helpful on the phone and told me to keep calling back every 2 days for when my luggage didn't arrive so they could up the limit $$ I needed to spend to get more underwear and clothes. Just had to make sure I kept all my receipts bag tags evidence etc and send it all in when I got back so I could get my money back.

The other was for lost glasses again no hassles


thanks for that! I may go with Medibank then as $50 is better in my pocket:thumbup:
posted 12-11-2012 @ 01:43 PM www


FYI I went to pay my flight centre today to pay off my booking and the girl said that they would better the travel insurance quote that I got from Medibank....so worth noting that!

Edit: Unfortunately, they didn't match exactly in the end.....said they would match price but give me the policy on the next level down which isn't as good as the medibank one...so I said no thanks will go with medibank!
posted 12-11-2012 @ 01:58 PM www


Glad to hear that Cheshire cat. Covermore is one of the few travel insurance policies that cover supplier insolvency. In the financial climate at the moment, some providers have and may continue to go bust! Think if the people who took insurance based on price to find that they werent covered when air Australia went down.
posted 21-12-2012 @ 01:55 PM www


I just purchased an annual policy for worldwide travel for the same price I was quoted for one trip to the USA. It`s very comprehensive in what it covers :thumbup: and I was given a 35% discount by clicking the link on their website for the discount on the righthand side.


suresave underwritten by Lloyds
http://www.australiantravelcover.com/
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