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Travel Forums Australia / New Zealand & The Pacific Travel insurance

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11. Posted by majito (Respected Member 442 posts) 10y

I think you're all looking at this the wrong way: You have to look at what the company delivers to you in the very worse case scenario. Insurance isn't about lost luggage or delayed planes. Its about being seriously hurt or becoming seriously ill. When it happens all you want is the best care in the world. Or if you're in a 3rd world country all you want is out of there. So all this banter about 178 pounds or 200 pounds or 220 pounds. Get the best insurance underwritten by the best companies like Allianz or SITE.

Relative to total insured travellers very few people have nasty accidents or medical emergencies so its hard to find reliable data on this. In my line of work part of what I do is assist young travellers to communicate with insurance companies and family when they are seriously injured and unable to help themselves. In all cases of medical emergencies the insurance companies have provided excellent service. Their networks spread far and wide; you could speak to them 24/7; they dealt directly with the local doctors and medical staff and police and even booked flights home. The main issue that came up were people getting very upset when the insurance company wouldn't fly relatives to Australia to be with their injured sons or daughters - so check that one. In one case a girl with a broken shoulder was flown home business class, and so was her best friend.

Its at the other end of the incident level that most problems occur: lost luggage, stolen luggage, etc. It all depends on the cirumstances because what most people don't realise is that they themselves have a duty of care to look after their stuff. If the insurance company thinks they haven't excercised this they say "no way are we gonna pay."

12. Posted by Sander (Moderator 4817 posts) 10y

I agree with majito there. When I got insurance for my 2+ year backpacking trip, I didn't care about the little things - if something would get stolen or if I'd have to buy some medicines or something - that's just part of the cost of travelling. Nice to be able to claim it afterward, but it kinda disappears next to all the other money you're spending anyway.
It's being hospitalized and racking up bills by the tens of thousands of dollars that you have to fear. Very rare, but if it happens, you want it covered - and covered completely (not up to some limit which seems high but will be reached after the second day). Or if some lifethreatening accidents happens to your parents while you're gone - you want insurance that will have you on the plane back there within the day, without having to worry on how you're going to pay for that planeticket.

You can calculate in the little things, and on average be cheaper with just setting aside some money with each trip you take. But you can't save up for the worst case scenarios by yourself - and that's what insurance is for.

13. Posted by scotsman (Respected Member 128 posts) 10y

Just a quickie to say that when you're in Oz you can also get a medicare card that entitles you to free medical treatment in certain circumstances i.e. if you break a limb they'll patch you up for free. Just fill in a form at a medicare office for the card.

Post 14 was removed by a moderator
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