Travel Insurance vs Health Insurance

[Renato1]

If you comply with the terms and conditions, and carefully read the policy, you have nothing to worry about.

The insurance market is highly regulated in Australia, and you have various avenues to pursue in the event a insurer says they will do something but they don't, or if they deny a claim on a spurious basis.

Unfortunately, many of the issues arise because people don't properly read the policy, and think they are covered for something they're not, or don't follow the proper procedures during the claims process.

If you have a valid claim, then you have a valid claim. It's as simple as that, and applies to CC insurances as equally as it does to ones you pay for.

If you have any questions about the policy, ANZ (and I guess other credit cards) are happy to discuss your personal circumstances, and clarify coverage.

Good points all, thanks.

As you point out a contract is a contract, regardless of how it was paid for.
Cheers,
Renato

 

[Renato1]

The wording from Travel Insurance Direct is replicated in most policies and says the following regarding multiple insurances:

I don't know to what extent having more than one insurance might delay any payout as they sort it out between themselves as to who pays what.

Thanks, - yes, there may be more complications from multiple policies, but there might be less complication from my wife!
Cheers,
Renato

 

[mooingchicken]

If i was making a claim on a credit card, I would not bother listing that i was also covered by another credit card 1. saves the hassle and 2. you don't actually have to do anything to be covered prior (apart from they pay stuff) they only check that u have indeed met the requirements if you need to claim. So really they don't know who they are covering and who they aren't until you claim.

If i was making a dual claim, ie a claim over each policies individual limit then I would obviously list both, and be covered accordingly

 

[Renato1]

I suspect that the complimentary Credit Card travel insurance may be academic for me (though not for my wife) - though I'll ring Zurich and check it more thoroughly for my next trip after this one.

The reason is that I just checked the paid Travel Insurance from American Express and found that unlike with Defence Health, they wouldn't insure me at all due to my pre-existing medical condition (Type 11 Diabetes plus slight hypertension).
Cheers,
Renato

 

[Sprucegoose]

Internationally. I don't think I ever travelled domestically in Australia with travel insurance unless wanting to reduce car rental excess (and recently have found cheaper specific rental excess reduction insurance for that purpose)

Also internationally I only take out medical travel insurance coverage, not full travel insurance.

The basic minimum I believe is not to travel internationally without accident/emergency medical treatment and medical evacuation coverage.

Yes agree. Domestically why? The worst that can happen is your stuck on Lord Howe Island for a week in a 2k night villa. So that's 10k. If I drive I have car insurance and if I'm sick I have Medicare and private health insurance.
The big stuff is the international hospital and medivac back to the best health services recovery and return. Forget bags, theft, new tickets all pales into insignificance compared to a 1m medical bill

 

[Sprucegoose]

I suspect that the complimentary Credit Card travel insurance may be academic for me (though not for my wife) - though I'll ring Zurich and check it more thoroughly for my next trip after this one.

The reason is that I just checked the paid Travel Insurance from American Express and found that unlike with Defence Health, they wouldn't insure me at all due to my pre-existing medical condition (Type 11 Diabetes plus slight hypertension).
Cheers,
Renato

I suspect that would only be one trap of many. I have never relied on complimentary insurance as there are too many gaps

You get what you pay for

 

[cove]

I am with you on this Sprucegoose. Have travelled with a medivac nurse in business class back from the U.S. The patient cost was staggering.

 

[MEL_Traveller]

I suspect that would only be one trap of many. I have never relied on complimentary insurance as there are too many gaps

You get what you pay for

Renato1 seems to be talking about paid Amex insurance, not Amex credit card insurance?

There may be gaps with some credit cards in what they offer depending on someone's circumstances, but if you are a reasonably healthy adult, this thread has clearly shown you may get equal or better cover than something you have to pay for.

 

[Renato1]

I am with you on this Sprucegoose. Have travelled with a medivac nurse in business class back from the U.S. The patient cost was staggering.

The mind boggles at the cost.

But if things get worse than that, I note that American Express Travel Insurance had one benefit that I hadn't thought of, and which I hadn't seen in other insurance policies - $15,000 for returning one's corpse home.
Cheers,
Renato

 

[MEL_Traveller]

ANZ CC insurance will not cover cancellation if your relative has a pre-existing condition (unless on the 'approved' list), however there doesn't appear to be any upper age limit for sudden illness.

Just an update on this... ANZ will only cover up to age 80 in the event of illness for a non-travelling party (ie if you need to fly home because of sudden illness of a close relative, the cover only applies until the relative turns 80)

 

[MEL_Traveller]

The mind boggles at the cost.

But if things get worse than that, I note that American Express Travel Insurance had one benefit that I hadn't thought of, and which I hadn't seen in other insurance policies - $15,000 for returning one's corpse home.
Cheers,
Renato

ANZ CC provides for $25,000 for the repatriation of remains. TID covers $12,000.

 

[cove]

My attitude on flying a body home is don't bother.