Travel Insurance

Hello!  I posted a question soem days ago - no answer, so I may have been on the wrong area of this site.

Someone said if he paid his airline ticket with his credit card - his bank paid his travel insurance for him.  Would this be correct and dare I ask "Which Bank" :) ???

Also said that if the airline will let us pay via Bpay we won't be charged the usual booking fee. What is the difference in paying Bpay ro credit card? It all goes to the same place.

Cheers.

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Gumnut,

I suggest you have a look at some of the sites on this google page.  It lists the pitfalls but some banks only offer free on Platinum or Gold  Business Credit Cards.

https://www.google.com.au/#q=which+bank+in+australia+if+you+pay+an+airline+by+credit+card+it+pays+your+travel+insurance+for+you

 

Try checking this page out

http://www.ausbt.com.au/best-and-worst-credit-cards-for-travel-insurance

Credit card travel insurance: the devil's in the detail

Is free travel insurance with credit cards as good as independent policies -- and how do different cards' coverage stack up against each other's?

We've spent a solid week reading the travel insurance policies provided by banks and credit card companies like American Express to find the best and worst policies available, as well as identifying "gotchas" in the policies with each card issuer.

 

Personally, I would pay for my own travel insurance not use credit card insurance.

 

I always pay my airline tickets using BPay...no fees this way.

Think it is Westpac.

But if you are a member of PROBUS, their fees I understand are good for Seniors.  Not that we have used them.

Our last cruise wish we had never gone on, was last December.  We took out insurance with RAC

but you need to remember your pre existing health conditions on all travel insurance. As I had been diagnosed with a 3cm stone in the Gall Bladder, [after we had booked for the trip]  but it had not given me any symptoms. {it was hereditory complaint} I had to tell them.   Their reply was we would not insure you!

However, they went onto say they would reimburse us for a holiday costs if we cancelled out.

We went on the cruise, caught the novo virus and wish we had accepted the insurances off!

Hubby and I got letters from our doctors to say we were fit to travel and they listed our ailments on them...not a problem.

Hi Radish.

Thats not the problem.

The problem is once you have listed them they will select the ones they will cover you for.

I told them I was going to have my gallbladder out.

RAC Travel did not like it, they said they would reimburse our holiday in full but would not cover me for the Gall Bladder.

Which was NOT giving me any issues.

Yes, Ann, they always look for loopholes..the sods.

Recently read a response to a query in the weekend paper about using credit card insurance.

Found out that you are only covered for the cruise from when it starts to when it finishes.

You are apparently NOT covered for the period leading up to the cruise.

This would have been no good to us about 7 years ago when a week out from the start of the cruise my husband caught the flu.

We cancelled and got full reimbursement less $100 excess.  This would not have happened if we had relied on the credit card insurance.

Our holiday this year does not being until 15th October so anything could happen between now and then!

 

Radish we have not done this, but we are told one can take out an annual insurance for travel.  Do not know what the premium is though.

Another insurance I have not tried that is PROBUS, they will insure their members and that is for any age and ailments.

In 1995 we purchased our tickets and cruise from the UK and a lot of B and Bs Plus a hire car.  I broke my ankle six weeks prior to going. Saw the surgeon and he said I can speed up the healing by not putting it in plaster.  He explained it would be painful and to have physio treatment.  I wanted to try anything.  That is what I did.  But it did not heal in time. 

What I call my second prize was a trip to Exmouth!  we drove up the north west and to Monkey Mia and took some wonderful photos of the sun rise.

We ended up making the European trip in 1997 and was staying in the Lake District when Diana died.

 

Yes, you can take out an annual premium Ann.

I have friends who travel all the time...hardly ever home to be honest and this is what they do.

They are in Probus (as we are) but do their insurance with Covermore.

Just been to their website and they appear to have a good rating.

https://www.covermore.com.au/annual-multi-trip

Not sure what their annual premium is but will ask them on Tuesday if they are back from Tasmania in time for our monthly Probus meeting.

Expect it would depend on exactly where they go...mostly they are overseas.

 

 

 

Radish - I'm surprised Credit Card insurance does not cover flight / cruise cancellations due to illness

You might ant to check that with your provider - will save you heaps

I never said that.Read my post again.

"Found out that you are only covered for the cruise from when it starts to when it finishes.

You are apparently NOT covered for the period leading up to the cruise.

This would have been no good to us about 7 years ago when a week out from the start of the cruise my husband caught the flu.

We cancelled and got full reimbursement less $100 excess.  This would not have happened if we had relied on the credit card insurance."

Maybe Im confused. But glad you were covered 

We have always had private travel insurance and are always  covered from the day we book until the final day of our holiday.

That is why we got full reimbursement when we cancelled our cruise due to sickness a week before departure.

The period leading up to the cruise is in relation to insurance with credit card companies...not private insurance.

I was only pointing out to people who may only have credit card travel insurance that they may find they are only covered for the actual trip NOT the period leading up to it.  For some it can be 6 months or so before they actually travel and anything can happen during that period and it frequently does for older people.

Radish that is the insurance we get too.

We have been on 9 cruises never claimed travel insurance until last year, we went on a 30day around australia cruise, a great cruise but a bit long, anyway i got tonsillitis twice , 2 trips to the doctor onboard, 3 lots of antibiotics ($85 and $65 a script) + doctors visit cost over $400. We always go with Webjet for me and Insure and Go for my husband as he has a pre existing condition.

I kept all paperwork involved, i rang Webjet, i didnt have to produce the paperwork and the money was in my account within 3 weeks, i was very impressed.

My sister had a heart attack and was taken off the ship in Darwin, with hospital costs, motel, food and transport for her husband and their flights back to Sydney they received $15,000 back, they didint have to pay anything out at the time, and the cruise line and insurance company were in regular contact with them.

Thank god were healthy now, i can see another cruise coming up shortly

Hi to All !...... As being over 70 The insurance travel industry is ripping a lot of money, as if you should pay heaps and die fast enough once you are broke...... 3000 dolars a year as compared to half when under 70 is nothing short than fraud !.... Especially that we are suposed to be healthy enough to work longer and retired later !.... They obviously do not see it that way and our gov could not give a shit .... So, who knows the better way to cut the costing so we can travel peacefully without fattening the insurances companies and their shareholders ( Leeches !......) ?

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