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Traveler's Insurance

Travel Forums General Talk Traveler's Insurance

1. Posted by synonymity (Budding Member 2 posts) 13y

LOOKING FOR INSURANCE WHILE TRAVELLING OR LIVING ABROAD?

DO NOT waste your time with ASA, Inc.!!! There are plenty of other companies out there that will sell you the exact same thing without the hassle and incompetence that seems to be commonplace at ASA, Inc. I am spreading the word about ASA, Inc. so that others may benefit from my thoroughly negative experience with this company. I invite those of you who are interested in hearing the details of my experience to
contact me.
As for ASA, Inc., take it from me- this company is more trouble than it?s worth!

[ Edit: email address and website link removed ]

2. Posted by Peter (Admin 5812 posts) 13y

Hi Synonimity,

Could you please elaborate on your experiences in this forum, rather than offering the email link??

Synonimity, while I thank you for posting on the forum and warning others with what I'm sure are the most noble motives, I encourage other users/forum browsers to view such posts with scepticism, as it is obviously quite easy for competition to post such things on the boards.

3. Posted by synonymity (Budding Member 2 posts) 13y

Hello Peter. I would be happy to elaborate on my experience with ASA, Inc. To summarize, I spent a great deal of time researching various insurance coverage options for U.S. citizens travelling/residing abroad. I found that the vast majority of such policies were more or less the same in terms of the type and amount of coverage offered. I was particularly concerned with emergency dental coverage, and thoroughly searched these policies looking for one that offered more than the seemingly-standard $500-amount. At ASA, Inc. I spoke with a representative who told me that they had a "medical policy" (as he repeatedly referred to it, never mentioning the policy by name) under which emergency dental procedures were covered to policy maximum. This particular agent confirmed and re-confirmed this information for me in subsequent phone calls. It was only when I asked him to send the information in writing (had to ask twice) that I learned that under this "medical policy" that we had been discussing, emergency dental procedures were only covered to the same $500-amount that I had seen in virtually every other policy! To make matters worse, when I contaced this particular agent in order to confront him with the discrepancy, his response was to say that yes, he knew about it, but all the other information he had given me was correct. I wasn't even extended the common courtesy of a simple apology, either from the representative or from the supervisor who I contacted later on. In fact, the supervisor was quite rude, and seemed rather irritated at having to deal with me at all. Because I wasted so much time with this company based on the wrong information that I had repeatedly been given by one of their representatives, and because I received such poor treatment after confronting them with this blatant error, I feel justified in warning others about this company's negligence. I represent the average traveler/consumer interested in sparing others the same frustrating experience. My endorsements are motivated by and based on my experience alone.

4. Posted by Paddy (Budding Member 13 posts) 13y

As I have said before, I am new to all this travelling stuff (in fact, I haven't actually gone anywhere yet....) BUT I have just shopped around a few places to get some insurance for a year in Australia....

I appreciate Sams scepticism about endorsing particular businesses and I can assure you I do not work in that industry (although if you need some Internal Communications Consulting done, I'm your man ;)).

Anyway, I rang around a few places in the UK with prices ranging from £180 to £350, some difference eh?(I have mild asthma which puts it up a bit)? All I would advise is that you check through ALL the cover for each policy, not just how much Medical cover there is but also how much cover for lost/damaged baggage (the cheapest quote covered up to £750) but also how much per individual item (this was for individual items up to £100, my rucksack was more than that....)

The most expensive was the travel company I booked my tickets with. Although they promised to beter any quote... which I now know is impossible in travel insurance (unlike the bandits that take my hard earned off me for Car Insurance). The only way to decrease a premium is by lowering the cover and perhaps taking on an excess....

I finally settled with Columbus Direct, who gave a good level of cover (including my asthma) were polite and quick to answer, or get back to me with answers, to my over paranoid questions...

They also offer a 10% discount for YHA members (although it doesn't show this anywhere on the quote, policy or receipt!?).

I would recommend you try them at least...

Incidentally, I rang up Tesco's new insurance arm and asked if they could cover me for the year the guy laughed......"No, no, no, haha, none of that kind of thing here". In a worse mood I would have been annoyed, but it kind of made me laugh too

5. Posted by Sam I Am (Admin 5588 posts) 13y

Hi Paddy,

Very right....there are some huge differences in travel insurance and it is always very well worth it to check on these things. I always shop around when it comes to insurance and try to compare just about every last detail. In the end when the choice is two or three, it boils down to how helpful they are when you call, how efficient their website seems to be and that kind of thing for me.

Considering margins for the seller range anywhere from 20% to 50% (STA and the likes) they would be able to better most offers I guess if they really wanted to....most insurers don't even offer this option as they don't want everyone to know of these margins I would guess.

Thanks for your tip by the way. Considering the amount of people travelling from the UK, this is valuable information as insurance is something we all have to buy.

I would also recommend watching out for differences in coverage when it comes to work related accidents....very important for backpackers!

Cheers,

Sam
ps. good story on Tesco.....will be staying away from them
pps. check out the TRAVEL INSURANCE link under TRAVEL TOOLS in the header and let me know what you think.

6. Posted by angie (Budding Member 4 posts) 13y

i do not know how iv done it, but iv found my insurance to oz for a yr with nationwide for £59!!! i think id best get it b4 they realise its too cheap!
at firsst i thought i must have got it wrong, i must have typed something wrong in, but nope iv been back many times and its still £59! but u can bet it will be my luck that i will go to do it and they will come up with £300 or something!!

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