Travel Insurance

JDM4LIFE on 07/06/2015 - 20:19
Last edited 07/06/2015 - 21:05

Hi Guys,

We have just booked our first overseas trip (6 uni students) to Malaysia for 7 nights. I attempted to do a google search on travel insurance however got a return hit of about a million companies. We have no idea as to who/what to go with.

Is there any company you can recommend (prefer cheap - Uni student budget) that will cover us for what we would require AND what should we be looking for in a policy.

Pardon my ignorance but do these policy's also require excess when making a claim.

Thanks and I do apologize for my ignorance.

Edit: we are not part taking in any extreme sports, so need for any extreme cover.

Travel Insurance Travel Insurance

Comments

  • oldm8 on 07/06/2015 - 20:35

    I've gone with good2go in the past. I didn't have to make a claim so I can't comment on the claims process, but I read several reviews that said they're pretty good.

    The big plus is that their essentials plan is about half the cost of other insurers for travel in Asia, the downside is the cover for theft is pretty low (max $250 an item), and there's a pretty high excess for most things. Still, it is cheap if all you want is an emergency safety net.

  • holdenmg on 07/06/2015 - 20:44

    I usually use http://www.columbusdirect.com.au because I figure being rescued by a St Bernard with a Barrel of Brandy would be a good plan.

    Also, http://www.insureandgo.com.au/

    If you are students then http://book.statravel.com.au/staglobe/InsuranceForward.do?po…

  • lemc6125 on 07/06/2015 - 20:50

    What you need depends on what sort of activities you'll be doing. Any 'extreme' activities (scuba diving/bungee jumping etc) may not be covered in each policy, so have a quick skim through the pds to find out.
    You haven't really described what you need but all travel insurance cover most basics like medical emergencies, lost luggage, delays etc. Again, you'll need to read through the pds to find out what is excluded. For example, some insurance won't cover medical accidents that occur when you're drunk or loss of luggage if it wasn't secure.
    As far as I'm aware, there is an excess (generally about $100).
    We have used world nomads and tid. I've had to make a medical claim through both and world nomads were a nightmare.
    Hope this helps, sorry I couldn't provide more specific advice. It all depends on your circumstances.

  • JDM4LIFE on 07/06/2015 - 21:05

    I appreciate all the advice guys. No nothing extreme we just want to be covered in-case of emergency at worst, medical/travel related.

  • marketingpolice on 07/06/2015 - 22:16
    +2

    did you pay by credit card? some credit cards have travel insurance included in there when booking and paying by credit card.

    • JDM4LIFE on 08/06/2015 - 20:09

      no paypal was the way for us as a group. I have read however credit cards do offer a very basic light cover, but they do skip a lot of things.

  • JoyVee on 07/06/2015 - 23:25

    Check riding a motor bike level of cover. Hardly extreme sport but to include cover for this may increase your insurance premium.

  • MITM on 08/06/2015 - 10:17

    TID (Travel Insurance Direct) usually have a 10% off code somewhere.

    Also, try Australia Post for travel insurance.

  • NancyCat on 08/06/2015 - 10:32
    +1

    We have been using Travel Insurance Direct (TID) for many family trips, we found their price very reasonable. We made a claim once and it was quick and easy. Highly recommended.

    However…having said that…you are traveling as a group, not a family. I would look into buying policy as a group. Most policies are either family (i.e. max 2 adults plus dependents less than 21 y.o.) or individual. I would imagine one group policy is more economical than 6 individual policies.

    I haven't bought any group policy before, but a quick googling found this…worth a look!?
    http://www.finder.com.au/travel-insurance/group-travel-insur…

    Have a lovely trip.

    • JDM4LIFE on 08/06/2015 - 20:06

      TID does look like they offer a good policy. Great price as well in comparison to Aus post and others.

      Thanks for the advice appreciate it.

  • ms_caz on 08/06/2015 - 13:57

    We've always used TID - easy and straightforward - the policy documents are easy to understand and clearly set out what is and is not included in coverage.

    We recently returned from the USA, where we went on a cruise as well as travelling around. Husband caught the flu and was mandatorily confined to cabin for a few days. TID paid out quickly and easily for both the cost of the medical centre and for the medication we were both required to take.

    I'd go with them again. But do look carefully at its exclusions for pre-existing conditions etc. (as you would with any insurer).

  • spersephone on 08/06/2015 - 14:06

    Your bank and/or health insurance provider will also offer coverage. You'd need to look at their PDS to see whether it suits you, and do an online quote.

    I went with a policy from the Victoria Teachers Mutual Bank, which was almost half the price I found elsewhere for my circumstances.

  • momov3 on 08/06/2015 - 18:37

    What about STA Travel insurance? I would have thought you booked air tickets thru them since they are budget airfares for Uni students.

    • JDM4LIFE on 08/06/2015 - 20:06

      we booked the $295 return deal from earlier in the week. Couldn't go past it :)

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