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The Importance of Travel Insurance
Do not travel without it!


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27 replies to this topic

#1 Coffeegirl

Posted 23 February 2012 - 07:16 AM

I just want to give a community reminder of the importance of travel insurance.

My workmate's 18yo son just went on his first OS trip to Asia.  On his second last night he slipped in the shower (which was in a bathtub) and landed with his back on the edge of the tub.  He cracked two vertebrae.

He is in hospital now. He is in a full brace and must lie still.  The insurance co have done wonders to keep his mother here informed. The consulate even rang her to advise that the hospital he is in is safe and up to AUS standards.  The insurance co have patched my workmate through to her son a couple of times a day so she can talk to him.

Now that he is stable, they are arranging for him to get home. Now please remember if this happens to you that this takes time.  The government isn't going to fly a hercules over to pick him up (that only happens in very unusual circumstances). The insurance co has to negotiate with airlines to find one that is willing to carry him as the airlines need to remove a number of seats to fit in the stretcher.

He should be home this week


Now think about the above and imagine if you had to do all the above by yourself and pay for it yourself!

#2 IsolaBella

Posted 23 February 2012 - 07:21 AM

Hope your friend's son is OK.

Yes it does show the importance of TI. I told MIL (when she was planning on coming to Paris with us) that if she could not get TI she was not to come. I didn't want her losing her house (and potentially ours) if she got sick. Thankfully it took much searching but we did find one willing to cover for pre existing heart condition and on Warfrin.


Edited by lsolaBella, 23 February 2012 - 07:21 AM.


#3 B.feral3

Posted 23 February 2012 - 07:25 AM

I worked as a travel agent for 6 years so I understand the importance.

The ones that never take it are the ones that think nothing will ever happen to them, and it does.

The motto goes, if you can't afford travel insurance, then you can't afford to travel.

#4 kpingitquiet

Posted 23 February 2012 - 07:26 AM

It doesn't even have to cost anything. Ours comes automatically through the credit card we used to book the flights.

#5 fancie

Posted 23 February 2012 - 07:26 AM

DH and I would never ever travel overseas without travel insurance.  

I think people who don't insure are crazy.


#6 BentoBaby

Posted 23 February 2012 - 07:31 AM

My MIL had an accident in the US & the travel insurance company payed close to $100,000 for her treatment (including surgery & extensive hospitalization) there plus flights etc (including 1st class return airfares for her & FIL as she needed to be flat. It was an accident that could happen to ANYONE. NEVER travel without insurance!!!

#7 Triple treat

Posted 23 February 2012 - 07:31 AM

IsolaBella can you tell me the name of the company? Facing the same problem with my ILs. Thanks! We never travel without it: my cousin in the USA told me her appendix operation cost $32000 for a 2 night stay so you can only imagine the costs of something more serious.

#8 MidnightDad

Posted 23 February 2012 - 07:33 AM

The cost of a foreign tourist being treated for anaphylaxis in the US is 10 times the identical level of treatment in Australia. So, yes, take travel insurance and make sure it is from a good travel insurance company.



#9 Moo point

Posted 23 February 2012 - 07:37 AM

Absolutely, OP, it's so important. I hope your workmate's son is getting better.

I know of at least 3 incidences where thankfully my family and friends had TI:

My friend had her entire suitcase disappear after check-in at Heathrow on her way home. Everything including the brand new camera she bought was reimbursed/replaced.

My brother wound up with appendicitis in Austria and had to have emergency surgery. He was in hospital for 4 days and didn't pay a cent. (Ironically his travelling companion didn't bother to take out insurance - he was lucky nothing happened to him!)

My friend's brother in law had a near fatal motorcycle accident in Eastern Europe, multiple injuries, suspected brain damage and died in the ambulance but was brought back to life. Spent a few weeks there then another few at a major hospital in Germany and 6 months later still needing physio. His TI covered everything and even allowed his mother to travel over for nothing and spend weeks with him as well.

We can get TI through our credit card too, but even for a 4 week trip to Europe it can cost as little as $100. So worth it.

Triple Treat - I know Covermore are pretty good with covering "out of the ordinary" cases? Maybe check them out.

#10 B.feral3

Posted 23 February 2012 - 07:40 AM

QUOTE (MidnightDad @ 23/02/2012, 07:33 AM) <{POST_SNAPBACK}>
The cost of a foreign tourist being treated for anaphylaxis in the US is 10 times the identical level of treatment in Australia. So, yes, take travel insurance and make sure it is from a good travel insurance company.


Yes, exactly. The free travel insurance that comes with your credit card is great until you need to claim!!


#11 FeralFerretOfDoom

Posted 23 February 2012 - 07:41 AM

QUOTE (lsolaBella @ 23/02/2012, 08:21 AM) <{POST_SNAPBACK}>
Hope your friend's son is OK.

Yes it does show the importance of TI. I told MIL (when she was planning on coming to Paris with us) that if she could not get TI she was not to come. I didn't want her losing her house (and potentially ours) if she got sick. Thankfully it took much searching but we did find one willing to cover for pre existing heart condition and on Warfrin.


IsolaBella - I'm another one who would love to know the name of the company, can you PM me please?

FIL has a heart condition and they live in the UK, which means we only see them every 2 or 3 years when we manage to pack the kids up for a long-haul nightmare flight. It would be wonderful if we could fix the insurance problem so they could come to us sometimes!

#12 MintyBiscuit

Posted 23 February 2012 - 07:41 AM

DH worked for a company that looked after a lot of the repatriations for O/S injuries, and that was enough for both of us to be sure to never travel without travel insurance. Hundreds of thousands of dollars for seemingly "simple" accidents like a broken bone - it's terrifying to think how wrong things could go.


#13 ~*Marti*~

Posted 23 February 2012 - 07:42 AM

I just purchased our Travel Insurance this morning for our September trip to the US. I figure the earlier you get it, the better right?

#14 FeralFerretOfDoom

Posted 23 February 2012 - 07:44 AM

QUOTE (Bek+3 @ 23/02/2012, 08:40 AM) <{POST_SNAPBACK}>
Yes, exactly. The free travel insurance that comes with your credit card is great until you need to claim!!


We haven't had a problem with it. Mum had to be treated in hospital for pneumonia when in the US. The bills that I saw (I was power of attorney while they were away and got all their mail) totalled over $25K, and that's just the ones they didn't send directly to the insurer. Mum and Dad never paid a cent, and the insurance was through their credit card.

#15 B.feral3

Posted 23 February 2012 - 07:45 AM

QUOTE (~*Marti*~ @ 23/02/2012, 07:42 AM) <{POST_SNAPBACK}>
I just purchased our Travel Insurance this morning for our September trip to the US. I figure the earlier you get it, the better right?


Yes, because from the time you purchase your insurance you are covered for cancellations and amendments due to unforeseen circumstances.

#16 casime

Posted 23 February 2012 - 07:47 AM

I firmly believe that it should be law that Australian residents are not permitted to leave the country without proof of insurance cover.  It's such a small cost added on to your trip.  

People who don't have it then complain about the 'gubmint' not helping then make me stabby.

#17 carls888

Posted 23 February 2012 - 07:55 AM

I thought that CC insurance was OK, it is written by Zurich, we are with citibank and were not planning on buying any more.
Is there something I should know about regarding this?
Thanks
C

#18 *mumof4*

Posted 23 February 2012 - 07:55 AM

QUOTE (casime @ 23/02/2012, 08:47 AM) <{POST_SNAPBACK}>
I firmly believe that it should be law that Australian residents are not permitted to leave the country without proof of insurance cover.  It's such a small cost added on to your trip.  

People who don't have it then complain about the 'gubmint' not helping then make me stabby.



Where is the 'like' button for this!!!  So,so true

#19 LifesGood

Posted 23 February 2012 - 08:00 AM

QUOTE (carls888 @ 23/02/2012, 08:55 AM) <{POST_SNAPBACK}>
I thought that CC insurance was OK, it is written by Zurich, we are with citibank and were not planning on buying any more.
Is there something I should know about regarding this?
Thanks
C


You need to check the terms and conditions carefully, the cover is limited - I think it only covers the cardholder for example, not the whole family. It isn't as comprehensive as other travel insurance policies. It only covers international travel, not domestic. etc etc. I don't know all the details but just make sure you read the whole policy for exclusions, $$ limits and so on.

#20 kpingitquiet

Posted 23 February 2012 - 08:05 AM

My CC insurance is fantastic, covers very high amounts and some expenses are covered regardless of amount. It also covers 1 companion (so spouse, partner, travel buddy) and any minor children, as long as you've spent a certain amount of the trip costs on that credit card. I do agree it's wise to read through the policy, though original.gif We may be taking out a small bit of additional insurance to cover rental car excess as that's not part of the basic coverage on our CC.

#21 Kabrsi

Posted 23 February 2012 - 08:21 AM

My CC insurance is the one underwritten by Zurich. I agree that it doesn't cover domestic travel but that's only because you have to spend $900 to qualify & there's not many flights within Oz for this much. Anyway... I've never had any issues and a friend of ours works for Zurich & is one of the go to guys for claims. He told us so many stories where he has done similar to what the OP described.

I haven't used it in a while but I do remember reading the policy with a fine tooth comb & recall something about early pregnancy cover that I had to query JIC

#22 Bluenomi

Posted 23 February 2012 - 08:29 AM

A good friend's husband had a heart attack on a beach in Fiji. Thanks to their health insurance they flew in a medical team from Darwin since the local hospital couldn't cope with his condition. They didn't arrive in time but they certainly made everything else easier for her and her son at the time.

We never leave the country without it. I think of it like my OB, I'll happily pay for it and hope to never need it.

#23 IsolaBella

Posted 23 February 2012 - 09:46 AM

As PP said any travel insurance policies you need to go through with a fine tooth comb (like any insurance policy).

We have looked at CC insurance before but it did not have the required bits for us (and potentially questionable on amounts etc).

Will PM those who have asked my MIL's insurer

#24 Coffeegirl

Posted 23 February 2012 - 06:56 PM

QUOTE (carls888 @ 23/02/2012, 08:55 AM) <{POST_SNAPBACK}>
I thought that CC insurance was OK, it is written by Zurich, we are with citibank and were not planning on buying any more.
Is there something I should know about regarding this?
Thanks
C


Someone's DH may work here  ph34r.gif  and wrote the policy....


Yes you have to read every policy.  They are all different, even ones that are underwritten by the same insurance companies.   Only by reading the policy, and yes they are confusing, can you be sure of what you are covered for.   Most insurance companies are happy to answer any questions if you are confused, best way is to email them though so you have the reply in writing.

Most CC policies will only cover you if the first part of your trip is paid for with the card.  IE you can't pay for flights by b-pay and then car hire with your CC.  You won't be covered for your trip..

#25 howdoyoudoit

Posted 23 February 2012 - 08:07 PM

PP who asked re heart... try suresave ins and also chiinsurance. covermore are really good too but I think my step dad had issues with them regarding premiums vs what suresave charged him... like covermore was $3200 and suresave $750...massive difference and same cover for pre existing etc





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