Travel Insurance Claim - Multiple Excess Fees?

bargrin on 13/03/2017 - 17:42
Last edited 13/03/2017 - 17:57 by 1 other user

Hi all,

Does anyone know if travel insurance are supposed to charge you an excess for each type of claim you make?

ie: Medical expenses claim = $100 excess
Flight delay claim = another $100 excess

So if 3 things happened to you at one time:
1) you got robbed on way to airport
2) need medical attention due to robbery and
3) missed your flight due to robbery.

Then you would need to put in 3 seperate claims each with a $100 excess?

Is that right?

If so, then this is what just happened to me:

In Jan did cheap Airasia holiday to KUL and BKK for 7 days.

Took out travel insurance with "Insure and Go"

Day 1 and 2 in KUL
Day 3 got food poisoning in KUL
Day 4 was supposed to fly to Bkk

Beacuse sick Day 3 I wasnt able to fly on Day 4.

Went and saw a Dr got a note confirming food poisoning and some meds which cost $80

Other cost:
Reschedule flight to BKK cost me $100
Book extra night hotel in KUL cost me $100

Lost costs:
Lost inital flight to BKK cost $50
Lost BKK hotel 1st night cost me $50

So I put in a claim for the $80 medical and $200 flight and accommodation emergency expenses

I was expecting $280 less $100 excess = $180 insurance payout.

However they only paid me $100 being
$200 - $100 excess emergency expense claim

They did not pay the $80 medical beacuse it didnt cover the $100 excess for medical expenses claim.

I would have thought I was making one claim with one $100 excess but that doesn't appear to be the case.

Every "type" of claim has its own excess and there are multiple excess

For me there was emergency expenses excess of $100 and medical expenses excess of $100

That seems strange to me?

So if I were mugged on the street and robbed my $100 phone, beaten up costing $100 medical bill, missed my flight needing to re-book for $100. Then out of pocket $300

But my travel insurence charge me $100 excess for each type claim (robbery/medical/reschedule) hence $300 excess and pay out $0

That cant be right?

• 

  No on 13/03/2017 - 18:28

  Sounds harsh to me.

  I was curious so had a look at the PDS for insure and go.

  When claiming under certain sections listed in the table above you have to pay the first part of a claim.
  An excess is applied per section per person and if multiple events occur during a trip an excess will be applied for each section per
  event per person.

  Looks like your out of luck. At least your costs where not too high.

• 

  BigTed on 13/03/2017 - 19:19

  That just rules out Insure and Go for the three overseas trips I have coming up.

  • 

    bargrin on 13/03/2017 - 19:37

    Yeah stay away from these guys I reckon, they asked for feedback and I am going to fire off what utter BS I think this is and tell as many people as possible not to use them.

    Problem is I bought a one year multi-trip policy :(

• 

  dasher86 on 13/03/2017 - 19:35

  +1

  Depends on the PDS and the insurer

• 

  oscargamer on 13/03/2017 - 19:50

  +1

  yep - sounds right

  one excess per type of claim

• 

  minniethemoocher on 13/03/2017 - 21:40

  +1

  I think you will find all insurers are the same.

• 

  Gunther on 14/03/2017 - 12:21

  Yeah its pretty standard, just opt for a policy with no excess when you make a claim.

• 

  SirFlibbled on 15/03/2017 - 10:32

  I got sick a couple of years ago in Vietnam about 4 hours before we were meant to travel to our next destination. Obviously that wasn't happening and stayed in the hotel for an extra night.

  Got the Doctor in and claimed new airfares and accommodation less what I would have spent anyway with one excess - this was with Covermore.