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Travel insurance for domestic travel

posted 18-5-2022 @ 01:34 PM www
Travel insurance for domestic travel

Hi Lottos community, thought I'd pick your brains as you always have good tips/advice. Has anyone taken out travel insurance for domestic travel in the last little while that covers if you get COVID-19 while you're away? I'm planning a trip interstate in July and wonder if it's worth getting travel insurance just in case something happens before or during my trip or if any companies actually cover it? TIA.



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posted 18-5-2022 @ 03:54 PM www


Whenever I apply for travel insurance, they offer international travel insurance or domestic cruise cover, I have never noticed domestic cover on offer. I would have thought you can use your Medicare card at any hospital or doctor in Australia, or if you have private health cover, that would be valid anywhere in Australia.
posted 18-5-2022 @ 04:13 PM www


Quote: Originally posted by IDreamOf  
Whenever I apply for travel insurance, they offer international travel insurance or domestic cruise cover, I have never noticed domestic cover on offer. I would have thought you can use your Medicare card at any hospital or doctor in Australia, or if you have private health cover, that would be valid anywhere in Australia.


Yes true but it's worth finding out what happens if you get sick a long way from home interstate and want to be treated in your home state and city. You might get sick where you have no family or support network and want to be brought home.

You may have to be treated wherever you get sick if your private health doesn't allow repatriation if you haven't also got domestic travel insurance that includes repatration.
posted 18-5-2022 @ 04:18 PM www


More so if you're staying at a hotel and then need to isolate - cover for those extra expenses that you may not be able to cover yourself or could cause hardship. Seven days extra at a hotel could cost a lot depending where you are.



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posted 18-5-2022 @ 09:32 PM www


I have just taken out Domestic Cruise travel insurance with Covermore that cover Covid.
It covers Before Departure Covid cancellation
On your trip Covid if need to self isolate.
Additional transport and or accommodation expenses.
It cost a fortune as I have pre existing lung disease, but at least they cover Covid.

Apparently Allianz do as well, but I didnt find out the details from Allianz and I was looking for cruise cover ( domestic cruise )

As kenoath said , need to check exactly what they cover for
posted 23-5-2022 @ 09:12 PM www


https://www.travelinsurancedirect.com.au/customer-service/co...

Looks like they have domestic cover that will cover your hotel costs if you have to quarantine. Plus cover for non refundable prepaid costs if you can't go because you get covid
posted 23-5-2022 @ 09:14 PM www


https://www.travelinsurancedirect.com.au/customer-service/co...

Looks like they have domestic cover that will cover your hotel costs if you have to quarantine. Plus cover for non refundable prepaid costs if you can't go because you get covid
posted 8-6-2023 @ 11:42 PM www


if you like a drink or two don't use Covermore

https://www.facebook.com/7NEWSsydney/videos/805461181187905/

Donations are pouring in for the Singleton grandmother who is fighting for life and stranded in a Thailand hospital after a serious accident. Kylee Enwright tripped and fell, hitting her head requiring emergency brain surgery.
Travel insurance company Covermore is refusing to help Kylee’s family with medical bills because she had drunk alcohol before she fell.
posted 9-6-2023 @ 06:45 AM www


Quote: Originally posted by buffy13  
if you like a drink or two don't use Covermore

https://www.facebook.com/7NEWSsydney/videos/805461181187905/

Donations are pouring in for the Singleton grandmother who is fighting for life and stranded in a Thailand hospital after a serious accident. Kylee Enwright tripped and fell, hitting her head requiring emergency brain surgery.
Travel insurance company Covermore is refusing to help Kylee’s family with medical bills because she had drunk alcohol before she fell.


No Travel Insurance company will cover you if you are under the influence of alcohol or drugs. I'm speaking generally here and not specifically about this unfortunate lady's accident. They offer cover up to an approximate limit of say 0.19 which is not "a drink or two" unless you are drinking flagons. Drinking alcohol itself in moderation is not a problem. It comes down to whether you are under the influence regardless of the blood alcohol limit or estimated limit.

The reporting has been very slanted as usual and I have read statements such as "we didn't know" etc. We all get a policy document that we should be reading to make sure we have the type of cover we want. Some cover Covid for example some don't so it is our responsibility to read it or ask specifically. We should find out before we take it out and then as you know, you get a copy of the document after you pay as well. There is no such thing as "fine print". The print on the documents is the same font throughout for benefits and exclusions. We do know what is covered and not covered because we had it in writing. If we choose not to read it that is not someone else's fault.

However, the insurance company has to be able to support the decision to deny the claim based on the available evidence. This won't be the first claim under similar circumstances and they will be well aware of the level of evidence required. If it isn't strong enough then they will not be able to satisfy the level of proof required. We would only know part of the story as usual that serves a certain media narrative. If the evidence is not strong then they should not deny a claim and deserve exposure. We do not know all the evidence available. If hypothetically speaking it is confirmed that you drank a flagon of sherry within a one hour period as an example, expert evidence would show that you would likely have a blood alcohol limit of xxxx based on factors such as your height and weight and the alcohol content. It doesn't need a breathalyser or blood test. There are experts in the field who write reports daily for motor vehicle accidents for example where no blood test exists and this evidence is acceptable to the courts to establish in the first instance an estimated blood alcohol limit and whether the person would have been under the influence at that level.

Yes I worked in the insurance industry (not travel insurance) and if i had a dollar for everyone that said "nobody told me" and "I didn't read it" I could have retired at 25. We as policyholders get a PDS which clearly says what is and isn't covered. It is our responsibility to make sure we get a policy that suits our individual needs. If I choose hypothetically to get drunk and under the influence of alcohol overseas then I am taking on the risk of paying for medical expenses etc myself. I have to take responsibility for my own actions.

I have no connection with the insurance company concerned except as a regular purchaser of their products which I would be quite happy to continue. As a major insurer of that product they would be accepting thousands of claims per month providing they meet the criteria.

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posted 24-1-2024 @ 01:06 PM www


I know the post old but NAB has a platinum DEBIT card that offers 5 complimentary insurances. both international and domestic travel insurance is included. the card has a $10 monthly fee, but if you trave a bit the savings are awesome.
posted 24-1-2024 @ 02:52 PM www


it is worth checking with your bank to see if any cards you currently carry have cover on them - NAB has cover on most of the visa cards it offers




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