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Insurance forum

Travel Insurance - Your choice?

Posted by Boomtown on 22/3/2010 at 21:05

Hello,
Firstly Id like to say this is my post number 1 to this great site.

But my question is about travel insurance. Ive seen many different ones on the internet and they all range in prices. Im going to Thailand, Laos, Vietnam and Cambodia over 31 days and ive seen anywhere from $90 to $300.

Im 19 and could be really doing anything so I would like to be covered for a fair bit (not motocycling).

I heard a bit of a horror story for the travel agent as she said that world nomads only operates from 9-5 on weekdays and a client of hers broke his ankle in canada skiing on a saturday morning and so he couldnt get worked on until the monday morning.

Please let me no what has work great/hasnt worked for you.

Thankyou for the replies.

#1 Boomtown has been a member since 17/3/2010. Posts: 20

Posted by Archmichael on 23/3/2010 at 09:22

Hi Boomtown:

Did you see this thread? :

http://www.travelfish.org/board/post/travelhealth/10045_travelling-without-an-insurance---a-warning-

#2 Archmichael has been a member since 23/7/2008. Location: Global Village. Posts: 396


Posted by Boomtown on 23/3/2010 at 12:01

that link doesnt work...

#3 Boomtown has been a member since 17/3/2010. Posts: 20

Posted by busylizzy on 23/3/2010 at 18:16

The thread was moved into the new Insurance subforum which changed the URL.

Try this one: http://www.travelfish.org/board/post/travelinsurance/10045_travelling-without-an-insurance---a-warning-

#4 busylizzy has been a member since 31/12/2007. Location: New Zealand. Posts: 2,155
 Where has busylizzy been? 

Posted by Boomtown on 23/3/2010 at 18:27

thanks!

#5 Boomtown has been a member since 17/3/2010. Posts: 20

Posted by busylizzy on 23/3/2010 at 18:30

I haven't used them before so can't really comment about them specifically, but I would be very surprised to hear that Nomads only work 9-5! They insure people from all over the world who travel in different time zones, for goodness sakes!

I suspect your agent was telling porkies in an attempt to sell you another product.

Check out the info on their website: http://www.worldnomads.com/ In fact, I just googled to get their website, and after a 1-min search, I found this:

"All phone assistance is available 24/7 from anywhere in the world."


WHen I looked for an insurance policy, I trolled this forum for a list of things that were important, then researched the top 3-4 insurers in NZ as well as Nomads. Some things to consider:

- can you extend the policy while travelling (important if you are travelling long-term)?
- what are the exclusions?
- do they pay for medical evacuation? (esp important if travelling in Vietnam, Indonesia, Laos, etc)
- does the cost cover the value of your camera, laptop, iPod, etc? If not, find out what the additional cost is for these.
- what are maximum payouts for each item?
- can you claim while overseas?
- what is the excess per claim?
- what rental car coverage is there?
- are you covered for motorcycling? diving? (any other adventurous activities that you are likely to partake in)
- total cost

Hope this helps!

#6 busylizzy has been a member since 31/12/2007. Location: New Zealand. Posts: 2,155
 Where has busylizzy been? 

Posted by Boomtown on 23/3/2010 at 18:33

busylizzy

extremely helpful!
thanks heaps, ive still got a few months to go so ill do my research!

#7 Boomtown has been a member since 17/3/2010. Posts: 20

Posted by busylizzy on 23/3/2010 at 19:15

Just another thought...

Does your credit card provide free insurance? Gold cards often include it automatically and for free, for trips of a limited duration (eg under 45 days). You just need to use the card to pay for your tickets usually (or other major expense from the trip).

I made a biggish claim (over $1000) once due to cancelled flights, and they processed the claim, no questions asked.

#8 busylizzy has been a member since 31/12/2007. Location: New Zealand. Posts: 2,155
 Where has busylizzy been? 


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