Travel Insurance ....getting the right one????
Replies: 6 - Last Post: Jan 24, 2013 3:10 AM Last Post By: battybilly
Oct 14, 2012 6:06 PM
Travel Insurance ....getting the right one????Hi guys....am looking for a decent health/medical insurance to take out for my travels.
Have done lots of looking on the internet. And to be quite honest none of them rated too highly. Lots of complaints out there.
Flight Center recommended Cover More. The small print leaves lots of open ended questions...
Travel Insurance Direct is an online one. A cheaper one, but not sure just how good the cover is....there are a few exclusions. (No search & rescue cover for hikers)
Credit card ones .....
Just looking for feedback from those who have had claims....this is the only way we can judge these insurance companies.
Anyone got anything good to say about any particular company out there???
Oct 15, 2012 4:21 AM
1I use the travel insurance that comes with my Visa Premier card, issued in France (the insurance company behind it is AXA).
In feb 2011 in Luang Prabang (Laos) I had a small accident on a boat, was in pain, thought it would be wise to xray it before going out into the outback.
On the tuktuk to the hospital, I called the emergency insurance phone # back in France. The call was answered by a real human being, who offered to call me back immediately on her coin, after I had briefly described what was happening. In the ensuing hours, the insurance person called me back every 60 minutes to see how I was getting on. (I got on just fine, xrayed, no cracked rib or anything, but I would not like to have to go to that hospital in more urgent conditions).
Obviously not a serious medical emergency, but it comforted me that the travel insurance behind the card was real and took things seriously. And fortunately that's the only story I have on this subject.
Oct 16, 2012 10:32 AM
Oct 16, 2012 5:54 PM
Oct 23, 2012 7:11 AM
4Travelers should question the reputation and reliability of a travel insurance provider before making a purchase, and there are several ways to distinguish reputable companies. A travel insurance comparison site can cut out a lot of the work. Purchasing a policy from a third-party agent can offer an independent perspective and allow travelers to compare products from multiple providers.
Ratings are another indication of a provider’s reputation. Insurance industry watchdog, AM Best, is a full-service credit rating organization that assesses the financial stability and strength of insurance companies. A provider in good standing with AM Best has the financial ability to pay claims.
Travel Guard’s Great Outdoors plan covers hazardous sports that are typically excluded from travel insurance policies, and includes $50,000 of emergency medical and $1,000,000 of medical evacuation coverage. The company has an Excellent rating from AM Best.
Oct 24, 2012 6:02 AM
5I'd not skimp on travel insurance, esp the medical side (unless in europe with the free medical EHIC agreement card UK nationals can use in some countries... bes tto still have insurance tho).
Anyone know of good companies that cover existing medical conditions (or at least exclude them but hapy to insure for any new complaints/accidents you may get). If you dont declare they can totally void the insurance if they find out.
Oct 30, 2012 8:29 AM
(2 star Hotel)
From US$99.63 per night
(3 star Hotel)
From US$143.46 per night
(4 star Hotel)
From US$170.22 per night