travel insurance for your next holiday.
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Has anyone ever paid full price for this stuff? I've always had a coupon whenever I have had to buy
yeah think i did in the past… however, just found out the bankwest platnum zero (no annual fee) includes travel insurance at no extra costs… to qualify for the platnum the limit of the CC has to be at least 8K… no forign transaction fees on it either… think i might switch to it as were planning a trip at the end of the year…screw paying additional $$ for travel insurance…. anyway point of my post, anyone know if "real" travel insurance covers/offers more than credit card deals?
Never paid for travel insurance.
Always used my NAB visa gold (now platinum) Credit card for ticket purchases etc.
Even includes medivac.
100% discount is so much better than only 10%. :)
you should carefully check the details of your cc's policy. it might not cover things that a normal travel insurance policy covers.
choice say http://www.choice.com.au/media-and-news/media-releases/2011%... :
"CHOICE found that, in most Product Disclosure Statements compared in the review, a person would have to read at least 20 pages before getting to vital information about the need to activate the travel insurance by buying at least part of their ticket on the card."
but in general choice seem to say some cc travel insurance isn't too bad. there's a report but it costs $$ http://www.choice.com.au/reviews-and-tests/money/insurance/p...
bottom line: you need to read the fine print carefully
Most credit card gold and above give travel insurance if you pay with that card. Most of the time it only cover the card holder so if you buy for your friends and family make sure you buy separately insurance for them, read fine prints on credits card, their cover not the same eg. some cover your partners some wont, and pregnancy etc might not be cover.
you need to make sure that your credit card insurance provides unlimited medical expenses, especially in USA, where your medical costs can be tens of thousands per day in hospital.
yeah alot of gold and platinum credit cards have free travel insurance built in. I've never had to use it and its probably not as comprehensive as stand alone products, but its good to know that you are somewhat covered anyway
The NAB VISA CC travel insurance is VERY comprehensive.
Other vendors offering may vary.
Just check the policies yourself to compare as they are usually listed in point form with inclusions and exclusions.
meh, it is always '10% off'. for example, the code 'TIDSAVE' from a deal posted in 2010 still works.
So if you actually have to pay for insurance, I recently got insurance via QBE insurance and the policy looks quite good.
If you follow the link on this site you can get 40% off their standard price (which I did): http://www.tidd.com.au/aspx/QBE_Travel_Insurance.aspx
QBE also have plenty of codes floating around for 10/20/30% off. This was the only code I found for 40% off.
I've not had to make a claim so can't comment on their customer service.
I just did a quick quote - even with 40% discount QBE still works out roughly $70 more than the TravelInsuranceDirect (with %10 off)… haven't compared the coverage though.
They do have better coverage and terms but that may not be worth the extra $70 for you.
Yes I agree more expensive, but it depends on your cover needs obviously. I was specifically looking for insurance with business cover, no excess, and high cover for lost baggage.
$70 extra is worth it for me to lose the excess and make sure I have mobile phone loss covered in the policy. I compared a bunch of policies at the time (including TID), and for what I wanted, QBE came out on top.
Has enyone used this company for travel insurance before? Are they reputable? reliable?
I did, did a claim and got the money back quickly.
Great service, but as always, give them a call (if possible) before consulting and you won't have any problem. If I remember correctly, it's Alliantz insurance.
I claimed with TID back in 2010 for a camera ($600) we dropped and damaged and had no issue getting it covered (submitted after we arrived back).
Nowadays since you are charged about 2% by flight centre and various travel agents to book using your credit card, I would guess that paying approx. $110 for travel insurance would be cheaper (if your flights and accom is more than $5k) than using your credit card just to get the "free" travel insurance?
Agree! Our travel agent (part of Consolidated Travel Group) wanted to charge us 3.3% for CC surcharge - That's 3.3% of $7000 of airfares!
personally i use credit card not only for the travel insurance but also in case if the agent do a runner/went belly up/or just not deliver as promise it easier to get refund through credit card company then if you pay cash.
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