I was looking at getting a SCTI policy for an upcoming trip, however was concerned to see in their PDS the following-
“If all or part of any valid claim is covered by another source,
including any travel, sickness, accident, health, or income
protection insurance policies, banks and/or credit card
providers, or you are eligible to receive any refunds, credits,
rebates or discounts, then you must provide us with those
details and we will only pay or reimburse the difference. If
you can claim against anyone else, you must claim against
them first before we will consider covering the difference.”
I choose a stand alone policy due to the higher limits and the option to pay extra for a $0 excess. However reading above it seems SCTI will pass me onto my credit card insurance with its $250 excess and lower limits? That can’t be right?
Seems 1cover even though not mentioned in their pds could be heading in the same direction as they ask in the claims form now for your first 6 digits of your credit card. Reason-
“Please let us know if you booked any of your flights, hotels or tours using a credit card. This will help us to know the best course of action to take if we need to recover costs.”
“If all or part of any valid claim is covered by another source,
including any travel, sickness, accident, health, or income
protection insurance policies, banks and/or credit card
providers, or you are eligible to receive any refunds, credits,
rebates or discounts, then you must provide us with those
details and we will only pay or reimburse the difference. If
you can claim against anyone else, you must claim against
them first before we will consider covering the difference.”
I choose a stand alone policy due to the higher limits and the option to pay extra for a $0 excess. However reading above it seems SCTI will pass me onto my credit card insurance with its $250 excess and lower limits? That can’t be right?
Seems 1cover even though not mentioned in their pds could be heading in the same direction as they ask in the claims form now for your first 6 digits of your credit card. Reason-
“Please let us know if you booked any of your flights, hotels or tours using a credit card. This will help us to know the best course of action to take if we need to recover costs.”