Multi trip insurance - 45 days trip duration (on ground or including travel)

[FlyingFiona]

I took out Medibank's Multi-trip insurance for my two trips this year with a 45 day period as recommended by the in store agent, even though my first trip will be 46 days in total including travel times.

This doesn't seem right to me and so I will ring Medibank and confirm (I know I am going to be on hold for an eternity!) but seeing as the last phone operator I spoke to had NO IDEA about ANYTHING whatsoever what she was doing (gosh they are starting to sound rather like the QF call centres...), I thought I'd turn to you the brains trust to see what your experience has been as well just to try and inform myself better.

So my questions are:

1) Does the 45 days mean on the ground internationally, or does it include the days of travel either side?

2) Does anyone have any experience of this situation? (And how did it end).

3) What would you do in this scenario? Increase to 60 days trip cover and pay the difference, risk it for the last day (which is the opening leg of a return J class cash ticket and so arguably the most expensive to risk), rest easy because she was right and it's only days on the ground?

 

[serfty]

Is this the PDS?

https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC_2022-02-02.pdf

If so, then this on page 40 is relevant:

---

Period of Insurance means:

• In respect of Single Trip Policies from the time You commence the Journey or the travel start date shown on Your Certificate of Insurance (whichever is later) until the time You complete the Journey or the travel end date shown on Your Certificate of Insurance (whichever is the earlier).
• In respect of Annual Multi-Trip Policies from the time You commence each Journey or the travel start date shown on Your Certificate of Insurance (whichever occurs last) until the earliest of the following times:
  • the time that You complete the Journey;
  • the expiry of the maximum insured duration per Journey (this maximum duration is shown on Your Certificate of Insurance); or
  • 12 months from the travel start date shown on Your Certificate of Insurance

---

So, basically it is inclusive - from the date you leave home until the day you return or 45 days whichever comes first. (The first of those up to 45 days is the day you leave home)

Personally, I would not use that product. You can get equivalent annual policies from other provides for half the cost.

e.g.

annual-multi-trip

Are you a frequent flyer? Find out how our award-winning annual multi-trip travel insurance can save you time and money. Get an online quote now.

www.scti.com.au

 

[drron]

Yes our insurance through Southern Cross Travel including cruise cover and both of us in our 70s the multi trip policy for 30 days is $1172. 60 days-1301 and 90 days 1429. I pay more because of one of my pre existing conditions as although it doesn't effect me at all there can be some nasty complications which would result in large medical costs.

Mind you if you want USA or world wide policies add $3000 to those figures. Another reason why we won't be going back to the States.

 

[Lynda2475]

Mind you if you want USA or world wide policies add $3000 to those figures. Another reason why we won't be going back to the States.

Whilst including USA, Latin America and Africa generally drives up cost of single trip and multi-trip policies I was not quoted anywhere near $3k for an annual policy including USA. But Im well under 65 with no pre-existing conditions.

 

[FlyingFiona]

Is this the PDS?

https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC_2022-02-02.pdf

If so, then this on page 40 is relevant:

---

Period of Insurance means:

• In respect of Single Trip Policies from the time You commence the Journey or the travel start date shown on Your Certificate of Insurance (whichever is later) until the time You complete the Journey or the travel end date shown on Your Certificate of Insurance (whichever is the earlier).
• In respect of Annual Multi-Trip Policies from the time You commence each Journey or the travel start date shown on Your Certificate of Insurance (whichever occurs last) until the earliest of the following times:
  • the time that You complete the Journey;
  • the expiry of the maximum insured duration per Journey (this maximum duration is shown on Your Certificate of Insurance); or
  • 12 months from the travel start date shown on Your Certificate of Insurance

---

So, basically it is inclusive - from the date you leave home until the day you return or 45 days whichever comes first. (The first of those up to 45 days is the day you leave home)

Personally, I would not use that product. You can get equivalent annual policies from other provides for half the cost.

e.g.

annual-multi-trip

Are you a frequent flyer? Find out how our award-winning annual multi-trip travel insurance can save you time and money. Get an online quote now.

www.scti.com.au

Thanks! I couldn't for the life of me find that.

I rang and increased it to 60 days. Good thing too. Can't believe the agent told me that it didn't include travel days.

I looked up SCT - for me it's barely $100 less for annual travel insurance, and I've gone through the pain of sitting on hold for 5 hours to Medibank now to get what I've got. But I'll consider STC in future. Thanks for the recommendation.

 

[drron]

Whilst including USA, Latin America and Africa generally drives up cost of single trip and multi-trip policies I was not quoted anywhere near $3k for an annual policy including USA. But Im well under 65 with no pre-existing conditions.

And not cruising probably. But as well policies rise from 65-70 and over 70 many companies such as TID don't let you have a multi trip policy. And when the USA is included the price goes up at a steeper rate. Older folks are much more likely to get more severe illness such as heart attacks and strokes which will be quite expensive in the USA. The extra $3000 is for 2 folk in their 70s.

 

[RB]

Whilst including USA, Latin America and Africa generally drives up cost of single trip and multi-trip policies I was not quoted anywhere near $3k for an annual policy including USA. But Im well under 65 with no pre-existing conditions.

I think your last sentence is a pretty clear explanation of the difference and always has been the case

 

[sanne]

Yes our insurance through Southern Cross Travel including cruise cover and both of us in our 70s the multi trip policy for 30 days is $1172. 60 days-1301 and 90 days 1429. I pay more because of one of my pre existing conditions as although it doesn't effect me at all there can be some nasty complications which would result in large medical costs.

Mind you if you want USA or world wide policies add $3000 to those figures. Another reason why we won't be going back to the States.

Reading through the T&C I was a little concerned on their ‘ MIGHT cover’ any new illness or changed medication after you have bought their policy and before leave on your trip. What if they don’t?

Perhaps I’m not reading this correctly, happy for you to explain. It is so much cheaper than any other annual TI for this age group..
One I looked at was over $6000! And that did not included US.