Is there a decent travel ins policy available

[Sprucegoose]

Has anyone got any strong opinions in this area. Any bad claim experiences?

Should you run with the majors or are there boutique underwriters around?

Card Insurance - sufficient coverage?

Thanks

SPRUCE

 

[Dave Noble]

Has anyone got any strong opinions in this area. Any bad claim experiences?

Should you run with the majors or are there boutique underwriters around?

Card Insurance - sufficient coverage?

Thanks

SPRUCE

I have found that the Columbus Insurance works for me nicely for my personal trips. the few claims I have made have been paid promptly and , with the AFF discount ( if gold ) is only $200 per annum ( otherwise $250 )

Dave

 

[elisa]

I would recommend AIG as they are very very extensive with the things they cover. This even includes a loss of income cancellation.
Earlier in the year the company I work for (a travel co) experienced a large number of cancellations due to loss of income/redundancy for people's holidays, majority of people who purchased AIG manage to cancel with a full refund through their Travel Insurance.

1Cover is also another good one - they don't cover as much though, however pricing wise is not bad at all.

I would recommend you shopping around a little and if you are a regular traveler, consider taking a 1 year world wide cover which you can use on multi-trip, you will need to pay upfront for the package, but if you have the $ it is well worth it.

Due to our company's relationship with AIG, I have access to a 20% discount with AIG, but will not be posting it as I believe it may voilate rules. But if you find that AIG is suitable, please don't hesitate to PM me.

 

[Archphoto]

I have insurance through my Amex card - ACE. Have needed to make 2 claims in over 6 years and have not had a problem. As I travel nearly 90% of the year, I took out their Worldwide yearly cover which renews automatically annually.

Can stay away up to 90 days per trip, and I find the automatic renewal extremely handy especially if I'm away at the time the renewal is due.

Best bet is to look at all policies to see what you get for the cover and decide from there. Some allow you to pay extra to reduce the excess you pay on each claim, others don't.

My two claims were at two different end of the spectrum and both were taken care of quickly and professionally.

 

[moa999]

Have most recently been using annual policies from Travel Insurance Direct (Allianz) which are about $350 pa.

Importantly for me the policies include snow coverage thrown in, as well as a good amount for personal effects.

 

[lovetravellingoz]

Have most recently been using annual policies from Travel Insurance Direct (Allianz) which are about $350 pa.

Importantly for me the policies include snow coverage thrown in, as well as a good amount for personal effects.

I use this too..

If your google for a discount code you will normally find something that will give you 10 to 20% off too.

 

[Dee Thom]

Have most recently been using annual policies from Travel Insurance Direct (Allianz) which are about $350 pa.

Tick the YES box for me also, T.I.D. hasn't reneged on any claims for me so far.........

Cheers Dee

 

[JohnK]

I can highly recommend Travel Insurance Direct. I have had an annual policy with them for the last 3 years. Cost of policy is ~AUD340 with 10% discount and reducing excess to $0.

Had no problem with a claim I lodged last year almost 12 months after the actual incident....

 

[Sprucegoose]

I have found that the Columbus Insurance works for me nicely for my personal trips. the few claims I have made have been paid promptly and , with the AFF discount ( if gold ) is only $200 per annum ( otherwise $250 )

Dave

thnxs Dave good value as well.

SPRUCE

 

[BlueAU]

I can highly recommend Travel Insurance Direct. I have had an annual policy with them for the last 3 years. Cost of policy is ~AUD340 with 10% discount and reducing excess to $0.

Had no problem with a claim I lodged last year almost 12 months after the actual incident....

Thumbs up from me too. Have paid me many thousands out, I am way ahead of the fees I've paid for travel insurance...

 

[louiss]

It will depend on your circumstances & what you want. I do a search before every trip (usually annual), but have stuck with Columbus because they are reasonably priced & cover all I need covered. I have only had one claim, some years ago, which was cleared quickly & efficiently.

 

[serfty]

Note that TID generally provides somewhat higher levels of cover than Columbus, but costs somewhat more.

 

[JohnK]

Note that TID generally provides somewhat higher levels of cover than Columbus, but costs somewhat more.

The thing I love the most is reducing the excess to $0 for an extra $25 on the policy. Some people may think that is expensive but if you have to make more than one type of claim then it saves $100-$200 per claim.

Anyway just some information for you and straitman. The company I work for has had a very similar Travel Insurance Policy as TID for close to a year now and has now discounted it down to similar pricing of TID. I don't like it because they do not accept Amex.

You and straitman may be able to negotiate a mutli-policy discount as you are existing customers....