TI that excludes medical?

[huwcar]

Hi Folks,

Does anybody know of travel insurance that excludes medical cover? I'd imagine that the "unlimited" medical cover offered by most of the policies is a fair chunk of the overall cost, and it's not something I need for my upcoming travel.

Cheers,

huwcar

 

[simongr]

So you just want personal belongings cover? You might be covered for that by your home contents insurance.

 

[huwcar]

Yes, I suppose personal belongs (ie luggage, clothes, camera, etc) as well as delays and other standard non-medical travel insurance coverage.

 

[RB]

With no medical cover watch out for trains, buses & uneven gutters!

 

[huwcar]

RB, myself and the Mrs are only going to be in countries that are covered by reciprocal medical care agreements between the UK and EU countries. We are both British citizens. In a time of belt-tightening it's just an expense we don't really need.

 

[fortymilliondaggers]

https://www.worldcare.com.au/select-a-benefit/

 

[Mal]

RB, myself and the Mrs are only going to be in countries that are covered by reciprocal medical care agreements between the UK and EU countries.

Something to consider - but is very unlikely to occur - is that if you became sick on a plane (eg appendix issue or similar "life threatening" issue), then the plane could divert to the nearest airport. This country may not have reciprocal agreements regarding health care.

A similar, but unlikely issue is that the plane has to divert somewhere for mechanical reasons, and thus a similar situation to above could occur in that location.

 

[huwcar]

FMD: That's a great pickup by you - on the surface it looks to be exactly what I want. Will investigate it and hopefully go through with purchase. You should get a commission

Mal: Whilst there are always (remote) possibilities I suppose insurance has to be weighed up in a cost v benefit analysis. I smiled at your example - it'd be a medical first if I had appendicitis again

 

[huwcar]

Thanks again FMD, after reading the PDS everything checks out and I have gone ahead with the purchase covering myself and the Mrs.

Notes for other travellers:
* Non-Australian citizens are covered as long as they're departing from and returning to Australia.
* Award seat bookings are covered in the form of equivalent monetary compensation for class booked.
* Cover is underwritten by Allianz Australia.

Cheers,

huwcar

 

[eyekew]

I rather be "looking at" the cost of travel insurance in case of a medical emergency / treatment in a foreigh country (other than EU, having dual citizenship) than '' looking for" the money to cover the foreign medical Bill

 

[Commuter]

I thought that EU citizenship did not automatically confer the rights to free medical treatments in many EU countries, maybe except for emergency treatments? I thought it was ordinary residence rather than citizenship that determined the entitlements under reciprocal EU deals?

In any case, you still need to consider the costs of repatriation etc should that become a necessity.

 

[codash1099]

Something to consider - but is very unlikely to occur - is that if you became sick on a plane (eg appendix issue or similar "life threatening" issue), then the plane could divert to the nearest airport. This country may not have reciprocal agreements regarding health care.

A similar, but unlikely issue is that the plane has to divert somewhere for mechanical reasons, and thus a similar situation to above could occur in that location.

Additionally, you may need to be repatriated to Australia after the treatment finishes and ordinary air travel is not suitable.

 

[Travel Guru]

IMO it's a bit ignorant to travel without medical cover and rely solely on reciprocal medical agreements.

It's not the $500 doctors bill you're insuring yourself against, anyone can come up with $500 or even $5000 if needed, its the repatriation thats the real killer.

Please just don't get your relatives to publish a sob story in the media about your inability to be repatriated home because of lack of cover if anything happens because i'll have absolutely no sympathy for you, nor would I be reaching into my pocket to assist you getting home.

TG

 

[kpc]

It's not the $500 doctors bill you're insuring yourself against, anyone can come up with $500 or even $5000 if needed, its the repatriation thats the real killer.TG

Absolutely....as Mal correctly points out, what would happen if you develop chest pains or similar en route, the plane dropped you off in one of its transit stops or diverted to a non Medicare reciprocal country...the mind boggles at this penny wise, pound foolish approach IMHO!

 

[auriga]

* Award seat bookings are covered in the form of equivalent monetary compensation for class booked.

I wonder how does this work?

 

[serfty]

I wonder how does this work?

Generally a pro-rata calculation based on the value of an equivalent revenue fare.

 

[auriga]

Generally a pro-rata calculation based on the value of an equivalent revenue fare.

Wow.... looking at the exclusions, I can hardly think of a situation where they will pay!

They exclude:
- financial collapse by any provider
- delays or rescheduling
- mechanical breakdown of any means of transport.
etc, etc.

 

[Travel Guru]

Wow.... looking at the exclusions, I can hardly think of a situation where they will pay!

They exclude:
- financial collapse by any provider
- delays or rescheduling
- mechanical breakdown of any means of transport.
etc, etc.

Like anything in life, you always get what you pay for (or don't as is the case here)

TG

 

[dajop]

IMO it's a bit ignorant to travel without medical cover and rely solely on reciprocal medical agreements.

It's not the $500 doctors bill you're insuring yourself against, anyone can come up with $500 or even $5000 if needed, its the repatriation thats the real killer.

One thing I'm not sure whether to do is to buy travel insurance for my frequent trips between my two "homes" (where I live in SIN, and where my partner still lives, in MEL). Now that I am a non-resident as I understand it , I am no longer covered by medicare, but on the other hand if I was seriously ill when in Melbourne, I certainly wouldn't want to be "repatriated" to SIN. For the time, I have cover through being a PPS member with SQ, but when that expires, I think I may just bite the bullet and take annual cover.

Interesting though most of the "top" covers here have $1m SGD limit ($700,000 USD) on medical, whereas those in Australia are unlimited. Not sure if that is an issue or not (particularly in US).

 

[Will]

... Now that I am a non-resident as I understand it , I am no longer covered by medicare, but on the other hand if I was seriously ill when in Melbourne, I certainly wouldn't want to be "repatriated" to SIN....

All citizens have access to Medicare.