travel insurance

toby1

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Jan 1, 1970
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Coogee, NSW
hey hey
I am leaving for a 3 month trip around south america, then a week in winter park for a week. I am looking for a decent travel insurance deal, has anyone found anything good ? I also need to insure a laptop worth 3000.
Cheers
smile.gif
 
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Born2ski

Old n' Crusty
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Aug 29, 2006
20,859
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Brisbane
I use these guys when I travel.
http://www.worldcare.com.au/
They're based in Brisbane and underwritten by Allianz. I've never made a claim with them but their pricing always seems competitive. They also cover computers up to $3000 in their standard luggage policy.
During my research I've found you have to watch some policies, because some exclude skiing off piste or skiing all together and some have a long list of pre-existing medical conditions that they don't cover(which can include very minor conditions).
Hope this helps.
smile.gif
 
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CarveMan

I Never Slice
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May 12, 2000
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I've used 1cover.com.au a couple of times. Never claimed, so don't know what that's like, but they're underwritten by a major insurer & have decent coverage for expensive stuff, especially on longer term policies. Prior to finding them i've had trouble finding a company that will insure all my gear for the full amount for a full season OS.
 

Snorkler

Part of the Furniture
Jan 1, 1970
18,212
548
813
Melbourne, Vic
I've got STA travel. Haven't made a claim yet but I rang them recently to inform them I needed to see a specialist, they noted it down and all then amazingly one week later they called me up to see how things were going.
 

j.s.3

First Runs
Mar 10, 2007
140
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Perth
I have used snowinsurance.com.au once on the recommendation of someone from this site (but didn't make a claim). Their rates were much better than anything the agents try to flog you. I think that the inclusions that the policy covers are fairly reasonable also.

Has anyone made a claim with them before?
 

freddy

One of Us
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Jun 7, 2007
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Newcastle
I am looking for travel insurance for going to Japan.

Here is what i have found so far. Does anyone have any comments about these mobs?

1. Worldnomads.com.au
1300 787 375

2. Snowinsurance.com.au
1300 882 357

3. 1cover.com.au
1300 550 560
(as per above, they may not cover skiing)

4. STA Travel

5. ski-insurance.com.au
1800 008 956

6. worldcare.com.au
1800 077 522

7. columbusdirect.com.au
1300 008 956
They cover off-piste skiing but with a guide???

I will ring these up later on this morning and get a few quotes and find out if they cover off-piste skiing.
 

skiflat

Old n' Crusty
Aug 10, 1999
37,433
1,502
1,063
You really need to read all their policy wording CAREFULLY and work out who gives you the best return if you need cover for accidents, delays etc etc.

I haven't used any of them so cannot comment on how good they are at paying out claims
 

dodgyd

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Dec 21, 2007
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There is a bit on travel insurance in the "official India" thread.

I vote for worldcare as they cover off piste, are good value and have reasonable luggage cover.
 
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freddy

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Jun 7, 2007
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Thanks andDee and dodgy..
I have been reading the india thread, its tops!

Here are my results after ringing around a few.

* WorldNomads.com.au
They do not cover off-piste

* Snowinsurance.com.au
They do not cover off-piste

* 1cover.com.au
$125 for basic medical only
They do cover off piste.
Their pds is at:
http://www.1cover.com.au/assets/pdfs/ski-insurance.com.au-policy.pdf

* STA office in my town was shut..doh!

* Worldcare.com.au
plan c medical only - $107
They were not sure if they covered off-piste due to the "not acting responsibly" clause
pds is here:
https://www.worldcare.com.au/skins/wcau/pdf/ProductDisclosureStatement.pdf

Has anyone actually made a claim for off-piste?
Does anyone actually know the real story?
 
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dodgyd

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Dec 21, 2007
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Worldcare could use the "not acting responsibly" clause to get out of about anything. I have never made a claim, but if it got that nasty, I think you would have to prove that adequate precautions were made to ensure the safety of any activity. ie local advice, used a guide, etc, etc
 
H

Hacski

Guest
Insurers offering low rates (i.e. internet based agencies) have a business model that assumes minimal administrative overhead. What this means is in the event of a claim keep all receipts and documentation and present it with the claim. If the grounds for the claim looks insufficient they don't have the resources to tease out the information to verify the claim and may knock it back, thereby requiring an appeal.

For travel delays, small delays of say 2 hours can cascade into maybe a 24 hour delay, e.g. you just miss a close connection and the next flight isn't for 8 hours meaning you miss the last shuttle for the day necessitating an overnight stop at an airport hotel. Keep documentation, schedules, itineraries etc demonstrating that the final delay was an unavoidable consequence of the intial delay. This is because travel delays have a 6 hour delay minimum and the claim might on first glance be rejected on account of the initial delay being under the threshold.
 

Cherry Ripe

A Local
Jun 23, 1999
9,926
3,945
563
melbourne
We've used 1Cover the last few trips, but haven't made a claim.

The first thing I always check (besides skiing exclusions) is the per item luggage limit, some policies have per item as low as $250, which is no use whatsoever.
 

arlberg

First Runs
Dec 27, 2007
15
0
0
I use IHI insurance.

http://www.ihi.com

I have never had a problem and they have absolutely no restrictions on 'dangerous activities'. I climbed Everest/Lhotse and Cho Oyu with this insurance. They are based in Denmark but their customer service is awesome. You can chat live online from Australia to a consultant when its during business hours in Denmark. They are cheap too, which shows how much we are getting ripped off by Australian travel insurance companies. I use their Annual policy which covers me for unlimited travel for 1 year as long as each trip I take is not longer than 30 days. If its longer than 30 days I just buy the extra days for that trip separately.
 
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Sarge

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Aug 5, 2006
1,588
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Newcastle
AndDee said:
You really need to read all their policy wording CAREFULLY and work out who gives you the best return if you need cover for accidents, delays etc etc.

I haven't used any of them so cannot comment on how good they are at paying out claims
Andee,I read in another thread somewhere that you use the free insurance when you pay with a altitude gold mastercard. I remember you saying that you got x amount for every day that your baggage was still missing.
I will be doing the same, but I just read in the pdf that you only get $500 coverage for emergency clothing. Was this different when you lost yours or was that every day you were missing your luggage
 
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freddy

One of Us
Ski Pass
Jun 7, 2007
2,921
1,392
363
Newcastle
Thanks Arlberg for that tip.
I talked to ihi.com and here are the results.

* ihi.com

IHI Single Trip covers all sports except motorsport

covers off-piste skiing, but the travel insurance does not cover "search and rescue"
and only rescue from a known position in case of a medical emergency.

The premium will come to: USD 51 (basic premium) + 35 days x USD 5.75 = USD 252

eek! that is expensive.
 
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Cherry Ripe

A Local
Jun 23, 1999
9,926
3,945
563
melbourne
Born2ski said:
I use these guys when I travel.
http://www.worldcare.com.au/
They're based in Brisbane and underwritten by Allianz. I've never made a claim with them but their pricing always seems competitive. They also cover computers up to $3000 in their standard luggage policy.
During my research I've found you have to watch some policies, because some exclude skiing off piste or skiing all together and some have a long list of pre-existing medical conditions that they don't cover(which can include very minor conditions).
Hope this helps.
smile.gif


This looks good actually, the quote I got is cheaper than 1Cover, luggage single item limit is $750 - which is decent, and I like the computer inclusion because I will be taking my Macbook.
 
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millagorilla

One of Us
Dec 15, 2004
954
270
163
melbourne
i used http://www.travelinsurancedirect.com.au for a one month trip to japan earlier in the year. i made a claim for damage i made to my skis and the ski hire i needed and they paid, no questions. pretty good value too. can't really remember all the ski policies but they were fine for what i wanted.
 
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Fest

Hard Yards
May 11, 2006
547
26
68
41
Sydney
Sarge1 said:
Andee,I read in another thread somewhere that you use the free insurance when you pay with a altitude gold mastercard. I remember you saying that you got x amount for every day that your baggage was still missing.
I will be doing the same, but I just read in the pdf that you only get $500 coverage for emergency clothing. Was this different when you lost yours or was that every day you were missing your luggage

If you're using cover from a credit card or a health care provider, make SURE you get a policy number and an emergency contact phone number. Also, be very careful with credit cards - some cards only insure you for things that you pay for with the card...

I've got a business annual policy with Covermore, but that's because I'm a travel agent and it's provided at a very low cost through work. $100 for annual worldwide cover, yay!
 
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surfie_guy1

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Sep 16, 2004
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Perth
Snorkler said:
I've got a claim in now with the STA travel (underwritten by QBE) Shall let you all know how things go.

Good luck.

I'd rather tear off my left nut than have to deal with their insurance claims department again.
 
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JA2340

Old n' Crusty
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Jun 5, 2004
25,766
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Tasmania
surfie_guy1 said:
Snorkler said:
I've got a claim in now with the STA travel (underwritten by QBE) Shall let you all know how things go.

Good luck.

I'd rather tear off my left nut than have to deal with their insurance claims department again.

That's a rather definitive "don't like them" statement. I think the cure might be worse than the disease.

Oh, and I am using travelinsurancedirect.com.au (underwritten by Allianz) and they state, in the policy document, "Cancellation Costs - unlimited. - Financial loss due to unforseen cancellation of pre-paid travel and accommodation arrangements. Includes conference/course fees not refunded as well as travel agency cancellation fees charged."

Also ...
"Snow skiing piste closure - $1000 max. $100 per single, $200 family, for each day that the skiing facilities at the resort you have prebooked before your trip commences and that you are staying in, is totally closed due to adverse snoe conditions. The most we will pay is $500 single, $1000 family."

Plus other cover for loss, theft or damage to ski equipment, including when you are using it. Also, loss of prepaid lift passes, hire expenses & tuition fees if you cannot ski due to sudden illness or serious injury.

Dunno what their claims system is like, never had to try it out, but the conditions of the insure seems OK.
 
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TheYoungOnes

First Runs
Jun 21, 2006
714
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0
51
Australia
I'm using covermore again for this trip to Canada. I looked at the ones offered by a link from one of the threads in this forums but found that Covermore was cheaper compared to QBE etc when it comes to snowsports and extra covers for my electronics eg laptop and DSLR. Costed me @A$300 while QBE wanted A$500 for 23-245 days. LOL. I've used them before but so far hasn't had to claim on them yet, touch wood.
 

surfie_guy1

One of Us
Sep 16, 2004
7,845
2
388
37
Perth
JA2340 said:
surfie_guy1 said:
Snorkler said:
I've got a claim in now with the STA travel (underwritten by QBE) Shall let you all know how things go.

Good luck.

I'd rather tear off my left nut than have to deal with their insurance claims department again.

That's a rather definitive "don't like them" statement. I think the cure might be worse than the disease.

Oh, and I am using travelinsurancedirect.com.au (

Well it took me months of arguing with QBE about my laptop that was stolen when I was staying in Canada. They refuse to pay and officially the claim is listed as 'pending' - 3 and a half years later.
rolleyes.gif


I'm using TID this time too, their policy looks good.

Yeah I'm using TID this time too. They look like they have a good policy.
 
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freddy

One of Us
Ski Pass
Jun 7, 2007
2,921
1,392
363
Newcastle
I went with 1cover.com.au

$125 for 5 weeks. I think that is just medical.
They said they covered off-piste skiing.

Allianz is the underwriter afaik.
 

CarveMan

I Never Slice
Ski Pass
May 12, 2000
86,252
73,503
1,515
Les Hautes Montagnes
aussieskier.com
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CarveMan

I Never Slice
Ski Pass
May 12, 2000
86,252
73,503
1,515
Les Hautes Montagnes
aussieskier.com
Plus there isn't any fine print about being left in locked vehicles & overnight etc.

1cover specifies that it only covers stuff in a locked baggage compartment during daylight hours. Given I'll be travelling in a 4WD with the seats folded down it probably doesn't qualify for this.

National Gold Insurance only doesn't cover stuff in an unlocked car.
 

freddy

One of Us
Ski Pass
Jun 7, 2007
2,921
1,392
363
Newcastle
Ring them up and ask them, maybe.

You will be covered for the ransom if you get kidnapped, so that is a worry off your mind.
smile.gif
 
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- Hypertrophy -

First Runs
Sep 8, 2005
1,262
6
0
ransom when you get kidnapped. HAHAHA....

Generally insurance policies encourage kidnappings.
However, you have to look carefully into who underwrites the insurance. US and British companies are forbidden from paying ransom for kidnappers. And anyway, if you are seeking kidnap insurance for a company that really has a high kidnapping rate, chances of getting it are pretty low.
 
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