Recommendations for a good Annual Multi-Trip Travel Insurance?

[Deleted member 29185]

I also look for reviews based on actual experience rather than such issues as cost.

For me, customer reviews are an integral parameter of making a decision. The PDS is important and the cost is important, but there is absolutely no use paying for a policy with a PDS that suits perfectly and a fabulous premium (so to speak), but the company wants your first born before they even look at a claim.

For most of us, the only inkling we have, as to whether a company honours their agreements without drawing blood is either:
a) to make a claim (by then it's too late); or
b) listening to others speak of, or write about, their impressions of their experiences.

All the medicos that frequent this forum would perhaps say it's a "holistic" approach!

 

[aspro2]

The recommendation of TID is interesting to me because there's one - to me - key feature missing: cover for alternative transport to successfully make it to an onward journey that you would otherwise miss. With many of us nowadays connecting between separately ticketed journeys/carriers, this seems quite important. If carrier X is so delayed that you can't make your flight/cruise/train on carrier Y, you lose. (Of course, sensible travellers pad their connections adequately or buy flexible tickets.) Anyway, I've previously chosen Worldcare because they do cover this scenario, but I have to admit I've never needed to make a claim.

WORLDCARE: We will pay your Reasonable additional travel expenses to reach a wedding, funeral, conference, sporting event or prepaid travel/tour arrangements on time if your scheduled transport is cancelled, delayed, shortened or diverted and that means you would not arrive on time.

 

[JohnK]

Either that, or I missed the emails. Luckily, I seem to be rotating dual coverage with a QBE annual policy (annual was same price as cover for my 1 month ski trip, so a no brainer).

Having recently claimed with both (minor/theft luggage type stuff), TID will win every time. Quicker, simpler, responded when they said they would.

I had TID annual policy for a few years and had no issues when I claimed with them in 2008.

I have had a QBE policy the past few years as it was much cheaper for the same level of cover. I take it you had issues with claim?

I am not worried about minor things such as luggage and a night accommodation here and there. I am more concerned about anything major happening and then finding out there are issues.

 

[TIDAustralia]

Welcome to AFF TIDAustralia!

It's always nice to have a helpful company presence here.

Thank you!

 

[TIDAustralia]

The recommendation of TID is interesting to me because there's one - to me - key feature missing: cover for alternative transport to successfully make it to an onward journey that you would otherwise miss. With many of us nowadays connecting between separately ticketed journeys/carriers, this seems quite important. If carrier X is so delayed that you can't make your flight/cruise/train on carrier Y, you lose. (Of course, sensible travellers pad their connections adequately or buy flexible tickets.) Anyway, I've previously chosen Worldcare because they do cover this scenario, but I have to admit I've never needed to make a claim.

TID have the same cover under the Special Events section. Additionally, there is cover under the Travel Delay section when you can't reach your destination on time due to a delay caused by the carrier to cover you for unused, non-refundable, pre-paid accom, transfers, tours, events and attractions.

 

[TIDAustralia]

TID did halt our reminders to AMT customers because we needed to fix a bug but we have reinstated them now so you will receive an email 7 days before the end date of your AMT. Please contact me if you aren't getting them.

It's good to hear that you find the claims process easy.

 

[cmon0005]

Good to have you on here TID!

Hope to see you on here a lot!

a lot of us are big advocates of TID, and I've moved mostly over covermore to TID based on recommendations on here. Would be nice to see if you could create an AFF gold member exclusive discount code through site admin for us members? wink wink

 

[aspro2]

TID have the same cover under the Special Events section. Additionally, there is cover under the Travel Delay section when you can't reach your destination on time due to a delay caused by the carrier to cover you for unused, non-refundable, pre-paid accom, transfers, tours, events and attractions.

That's not really true, rep. It is correct that you cover prepaid accommodation/tours (I had overlooked that in the Travel Delay section) and some special events, but you don't cover the - in my opinion crucial - costs of additional travel in order to connect with prepaid travel arrangements.

 

[TIDAustralia]

That's not really true, rep. It is correct that you cover prepaid accommodation/tours (I had overlooked that in the Travel Delay section) and some special events, but you don't cover the - in my opinion crucial - costs of additional travel in order to connect with prepaid travel arrangements.

To clarify, the Worldcare section you highlighted was in relation to attending certain events, which we call 'Special Events' in our policy. We cover additional flight costs under the Special Events section but under Travel Delay no additional flights are covered.

 

[aspro2]

To clarify, the Worldcare section you highlighted was in relation to attending certain events, which we call 'Special Events' in our policy. We cover additional flight costs under the Special Events section but under Travel Delay no additional flights are covered.

Rep, you need to read the policies more carefully. Let me show you your policy wording and the Worldcare one, with added highlighting by me.

• 
  [*=1]TID "Special Events" cover: attending a pre-arranged wedding, funeral, conference or sporting event which cannot be delayed as a consequence of your late arrival
  [*=1] WORLDCARE "Alternative Transport Expenses" cover: reach a wedding, funeral, conference, sporting event or prepaid travel/tour arrangements on time if your scheduled transport is cancelled, delayed, shortened or diverted and that means you would not arrive on time.

As you can see, while the TID policy only covers transport to get to four defined events (plus missed the accom/tours/transfers/events costs in your Travel Delay section), the Worldcare policy also covers transport to get to general prepaid travel arrangements (and has higher claim limits).

On the other hand, I believe the TID cover under Travel Delay (for e.g. missed non-refundable accommodation) is better than Worldcare, notwithstanding TID's lower claim limit.

 

[Fifa]

TIDAustralia - Firstly welcome to AFF.

I would like to use TID but unfortunately your annual holiday cover is only for 38 days while your business cover is 90 days.
Would you consider increasing the holiday cover to 6 weeks or even better to 60 days? Many people these days are taking longer holidays than 38 days.
I know I can purchase a top up single policy but this works out more expensive than other insurance companies.

 

[Pushka]

TIDAustralia - Firstly welcome to AFF.

I would like to use TID but unfortunately your annual holiday cover is only for 38 days while your business cover is 90 days.
Would you consider increasing the holiday cover to 6 weeks or even better to 60 days? Many people these days are taking longer holidays than 38 days.
I know I can purchase a top up single policy but this works out more expensive than other insurance companies.

Thats a good point. Six weeks is not unusual.

 

[BindiBratz]

Thats a good point. Six weeks is not unusual.

mmmmm . . . . . 90 days as minimum would be even better

 

[Cynicor]

I'm sure 90 would jack up the cost, but I will need 60 days. It's not too unrealistic is it?

 

[Deleted member 29185]

I'm sure 90 would jack up the cost,

Why? I'd imagine I'd be just as prone to a claim on business as would be on holiday. Is this not the case overall? In about 30 years of traveling (actually more than that, but I'm not keen on being called an old fart), I had just one claim (circa mid '80's for a kangaroo hit) until just a month or so ago when a carpark collision will result in another one. Both were motor vehicle excess claims (I've never had another, although I can recall two accommodation travel claims I was just too lazy to submit). The first was on holiday the second was on a business trip. Where's the no claim bonus incentive?

Does anyone know the stats for holiday versus business claims or is this just a gotcha?

 

[Cynicor]

I reckon business would be less claim prone, tbh. Partly maybe covered under something else already, work doctors may cover expenses for minor things. I've never done a TI case for someone over for business, only for leisure. How many surfing wounds,monkey bites etc do you get whilst on business?

Medical is the expensive stuff I reckon, the luggage etc is just a bit of fluff.

 

[Deleted member 29185]

How many surfing wounds,monkey bites etc do you get whilst on business?

Perhaps you're right, but that still doesn't make much sense. If people are more prone to "accident" whilst on holiday, surely that would result in different premiums (different level of risk) rather than a shorter coverage time. If someone is going to be so stupid as to stick their hand in a monkeys mouth, they can do it just as easily within 38 days as they can in 90 days.

 

[Pushka]

I reckon business would be less claim prone, tbh. Partly maybe covered under something else already, work doctors may cover expenses for minor things. I've never done a TI case for someone over for business, only for leisure. How many surfing wounds,monkey bites etc do you get whilst on business?

Medical is the expensive stuff I reckon, the luggage etc is just a bit of fluff.

Definitely - for the reasons you have outlined. Workcover kicks in for injuries, and potentially illnesses. Probably the most likely claim.

 

[Ken1]

Does anyone know of any Annual Multi-Trip policies that cover for holiday trips of up to 90 days? None that I've checked offer coverage for trips that long. We're planning a trip of around 80 days for 2016.

 

[Sprucegoose]

TID Australia's AMT policy covers you for unlimited domestic and international trips over 12 months. There's a maximum duration of 38 days for leisure trips and 90 days for business.

Our 10th birthday promotion ended 13 April 2015 but you are welcome to use the promotion code TIDTHANKS.

Let me know if you have any other questions about the policy with TID. Alternatively, there's more information on our website by searching for 'AMT' on the Customer Service tab.

Why is there a maximum coverage of only 38 days for leisure travel ?