Which Comprehensive Travel Insurance for Overseas Travel?

• 

  TheMindsetTraveller on 03/02/2023 - 20:53

  In the last 20 years, usually TID or 1cover multi-trip annual policies for me. I have used AXA as part of the Thai Pass requirement in late 2021/early 2022. Been overseas 6 times since borders opened in November 2021. Believe that you will be fine and Covid is nothing other than a nice cold, and you'll be right, esp with any reputable insurer to look after your financial interests.

  • 

    Smaland on 04/02/2023 - 13:42

    @TheMindsetTraveller thanks for info. I used to buy the cheapest either TID or SouthernCross etc. But they are more expensive now.

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  donotuse on 04/02/2023 - 01:07

  -1

  covid coverage is becoming less and less relevant,

  the main thing you can't insure is cover for closed borders.

  otherwise, covid is considered just like any other illness.

  • 

    Smaland on 04/02/2023 - 13:47

    @donotuse yes agreed, no insurers cover the border closure.

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  Smaland on 04/02/2023 - 13:50

  I am inclined to Allianz (as one of the main insurers) but their cancellation policy doesn't say it covers unexpected circumstances before departure such as if one of us get really sick and we have to cancel the whole holiday, will they cover all the pre-paid costs (flight, hotels etc)?

  • 

    donotuse on 04/02/2023 - 15:37

    only you, through your research, can answer your questions. they're all in the PDS

    • 

      Smaland on 04/02/2023 - 16:46

      @donotuse yes I have re-read it few times. It said it covers trip cancellation but doesn’t specify the reasons. Should I assume for any common reasons?

      Whereas insureandgo listed down the reasons.

      • 

        jmzcray on 10/03/2023 - 23:45

        So which one did you end up choosing?

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  Sawtell on 04/02/2023 - 20:17

  Purchased insure and go silver recently as it had covid insurance for trip cancellation.

  Will let you know how the claim process goes as one of us had a phone stolen that I have started a claim for.

  • 

    jmzcray on 10/03/2023 - 23:45

    How's the claim process?

    • 

      Sawtell on 11/03/2023 - 11:37

      Went well. Took about 3 weeks once all the paperwork was submitted. No questions asked just paid the money ($1500).

      • 

        ASOT on 03/11/2023 - 01:02

        How do you prove what phone you had stolen? Never made a claim before

        • 

          Sawtell on 05/11/2023 - 12:48

          +1

          @ASOT: Purchase receipt and police report.

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  Thenarrator on 04/02/2023 - 21:28

  use the complimentary one from a credit card ?

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    Smaland on 07/02/2023 - 16:22

    @Thenarrator good idea! I check the PDS and the policies look the same.

    In what cases we will need separate travel insurance then?

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  Thatbargainhunter on 05/02/2023 - 06:22

  Best is relative.

  For examples only a few companies allow policies extended.

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    Smaland on 07/02/2023 - 16:27

    Hi @Thatbargainhunter not looking for the best, but the insurance that will cover most common unexpected circumstances such as flight broke down/delay/turn backed and put the whole holiday in chaos