I'm with Citibank and generally relied on their travel insurance provide via Zurich. Fortunately I've never had to make a claim.
Just looking at their current insurance T&Cs it states:
The journey starts:
• on the departure date (from Australia) shown on the
overseas travel ticket; or
• once you leave your home, if you travel directly from your
home in Australia to the Australian air or sea terminal that
is the departure point for your trip.
The journey ends when the first of the following occurs:
· If you have a return overseas travel ticket:
· at midnight on the date when your scheduled
transport (as shown on your overseas travel
ticket) is due to arrive in Australia; or
· when you return to your home in Australia,
provided you travel directly there from the air or
sea terminal where you landed in Australia; or
· three (3) months after the date of departure shown
on your overseas travel ticket; or
· when you cancel your overseas travel ticket.
· If you have a one-way overseas travel ticket:
· when you return to your home in Australia,
provided you travel directly there from the air or
sea terminal where you landed in Australia; or
· 31 days after the date of departure shown on
your overseas travel ticket.
Their cover seems reasonable, but when i was travelling in the USA I decided to give myself a bit of peace of mind by doubling up with some insurance from TID. With a 10% discount code it was just over $100 and meant I didn't have doubts in case of an emergency.
Vampires drain your blood, but the US health care system will do the same and bill you for it :mrgreen: