Citibank Travel Insurance vs 1Cover Prices?

[freqtrav]

I normally go with 1Cover for Travel Insurance and have used them for the past couple of years for international trips. Their premiums are low and I've never had to make a claim so can't really comment on their service.

For an upcoming trip to Thailand, I recently did a price comparison after finding Citibank through google and was actually a little shocked at the price and what it covered.

For my girlfriend and I, 9 days comes up on 1Cover as: $89.60 (basic), $119.60 (Essentials), $140.42 (Comprehensive)

on Citibank the lowest premium type is Essentials at $102.87 (Essentials) but it appears the same policy level as 1Cover's Essentials ($119.60).

But Citibank covered a few more things, for almost $20 less.

[TABLE="width: 500"]
[TR]
[TD][/TD]
[TD]Citibank Essentials[/TD]
[TD]1Cover Essentials[/TD]
[/TR]
[TR]
[TD]Overseas Medical[/TD]
[TD]Unlimited[/TD]
[TD]Unlimited[/TD]
[/TR]
[TR]
[TD]Loss of deposits and cancellation charges[/TD]
[TD]$25,000[/TD]
[TD]-[/TD]
[/TR]
[TR]
[TD]Luggage and travel documents[/TD]
[TD]$5,000[/TD]
[TD]$3,000[/TD]
[/TR]
[TR]
[TD]Additional expenses[/TD]
[TD]Unlimited[/TD]
[TD]-[/TD]
[/TR]
[/TABLE]

I wasn't aware that Citibank did Travel Insurance separate from their credit cards. Has anyone else used them before?

 

[Cynicor]

Not used them but you will actually be insured through "ACE", so that's who you would google if you want some experiences. Once Citi have sold it to you, they won't deal with you again (generally). You likely claim direct through ace, etc. Another option if you like the ACE pds is to try to find other resellers who may give a cheaper rate.

 

[freqtrav]

Hey Cyncior, thanks for your response. Yes, I've read the Product Disclosure Information for One Trip with Citibank and all seems ok for what I want covered. Good idea about the other resellers for a price comparison. cheers.