Travel Insurance

[Himeno]

I have a few trips coming up, a week in LA in July, a possible 3-4 days in Tokyo in September and a RTW holiday in Oct-Nov (~40 days) which I need to get travel insurance for.
I've been thinking of getting one of the "Annual Multi-trip" policies, but everyone I've seen limits each trip to 30 days, so likely wouldn't cover my main trip.
Are there any multi trip policies that cover single trips longer then 30 days? Should I just get single trip policies for each trip?

 

[Alanslegal]

There are AMT that covers more than 30 days;

1cover for example covers up to 90 days per trip.
TID covers 38 days for leisure and 90 days for business trips.

 

[robd]

Allianz does 60 days. 10% discount code until 30th June "SUNSHINE". SCTI also does date to date insurance - discount code until 30th June is "10OFF".

 

[Jungking]

BUMP. Anyone knows a good Travel Insurance for people planning to do a 'Working Holiday' overseas in Europe (Western)?

 

[yoyo]

why wouldn't you get a premium credit card and just use their insurance? I've seen ones that cover you for up to six months

 

[overrun]

There are several companies that offer genuine long term travel insurance suited to working holidays. And will pay you in the event of a claim. They are international based or UK based, more than Australian. I got a 12 month policy last year from: worldnomads.com.

My opinion of credit card insurance is very low. I think they can offer long term insurance because they don't really intend to pay out, so they don't care how long you are gone - IMHO of course.

The 30 day trip limit for annual trip insurance is probably so the advertised quotes can compete with the other advertisers. Most insurances will happily cover you for 60 or 90 days, with the premium rising accordingly. Covermore - for example - do this. Don't make a mistake with the dates (length of travel), because in the event of a claim, they will ask for your ticket receipts and your E-tickets, and they will check how long you were gone. Being overseas for 31 days on a 30 days policy means your claim will very probably be rejected.

 

[Deleted member 29185]

I just got a quote from TID and I was amazed (and a bit miffed) by how much the policy has increased. A couple of years ago it was in the three hundreds (and I'm sure that included the ski addition). Last year it was into the four hundreds without skiing and this year it's $516.80 (with a loyalty discount) for the base. We're considering a motor home hire in Tassie (excess $7000) so to boost the TID up to the max of $6K is an additional $100 (reasonable in my opinion) and to add skiing is an additional $239 for a restrictive policy.

The only thing that's changed is I've got a year older. Is this premium jump being noticed by everyone?

 

[get me outta here]

I got $282 for 4 weeks in the US with no add ons. I'm waiting till closer to the date to get a quote for an annual policy.

I just got a quote from TID and I was amazed (and a bit miffed) by how much the policy has increased. A couple of years ago it was in the three hundreds (and I'm sure that included the ski addition). Last year it was into the four hundreds without skiing and this year it's $516.80 (with a loyalty discount) for the base. We're considering a motor home hire in Tassie (excess $7000) so to boost the TID up to the max of $6K is an additional $100 (reasonable in my opinion) and to add skiing is an additional $239 for a restrictive policy.

The only thing that's changed is I've got a year older. Is this premium jump being noticed by everyone?

 

[Fifa]

Like swanning-it, I have noticed how much TID policies have increased in price over the past couple of years.
Last year I took out an annual policy with NRMA with max trips of 60 days for $525 with nil excess. This year the policy has been reduced to 37 days so I won't be renewing with them.

After much research I have now found Good2Go - an annual multi trip policy is $371 with nil excess, max trips of 45 days and includes skiing. Underwritten by AIG.
Has anyone had any experience with them?

 

[Sprucegoose]

why wouldn't you get a premium credit card and just use their insurance? I've seen ones that cover you for up to six months

Be very careful with that. Understand the exclusions, limits and definitions

 

[Deleted member 29185]

Like swanning-it, I have noticed how much TID policies have increased in price over the past couple of years.
Last year I took out an annual policy with NRMA with max trips of 60 days for $525 with nil excess. This year the policy has been reduced to 37 days so I won't be renewing with them.

After much research I have now found Good2Go - an annual multi trip policy is $371 with nil excess, max trips of 45 days and includes skiing. Underwritten by AIG.
Has anyone had any experience with them?

Hi Fifa, I very much appreciate the info. I haven't pushed the "go" on TID as of yet as I was rather miffed at the escalation in fees. I did look up AIG (which I didn't think was much chop) but I'll look at Good2Go as well now.

 

[get me outta here]

Good2Go was recommended by Choice Magazine. It was in second place recommendation after AIG in the categories of comprehensive, mature age, and annual. Choice said that they were had the highest features score with the highest rating for medical, cancellation and baggage cover.

.....

After much research I have now found Good2Go - an annual multi trip policy is $371 with nil excess, max trips of 45 days and includes skiing. Underwritten by AIG.
Has anyone had any experience with them?