Back to travelling overseas again and I was looking for a travel insurance with a COVID-19 cover. I found again World2Cover with only 15% off. Good to know that they don't have any exclusions for pandemics and epidemics in case a new virus decide to show up. I choose Top Cover as it is the only one including the COVID-19 cover
Some other insurance clauses involving covid, they will not pay claim when the country that you are going is listed in smarttraveller website. And if you got covid just before on board on the plane, but you decided to cancel the flight. You will lose some portion of the paid premium. Will this one covers it ?
Thanks, looks like same. No cover for country listed as "Do not travel"
Just a question guys.
I just did the quote for NZ cover. 10 days about $87 for the family.
Only reason I am looking at it is, I am looking to hire a car and to avoid the extra excess the car hire company would charge.
World2cover covers up to $4k per adult for car hire excess
Wouldn't I be better off just getting this cover, at $8/day as above, then paying the car hire place approx /$20/day?
Yes obviously. Not to mention the cover provides much more than just rental vehicle excess protection, Excess waivers from the car hirer are always an absolute massive ripoff.
Yes, that's what I thought. Was just wondering if there was something I was missing from the travel insurance that may end up with me not being protected.
Cheers
Interesting. I did a quote NZ 4 days for 2 adults and it showed up as around $100. Wonder how it's calculated?
Reviews aren't that good on productreview
Any real world experiences from ozbargainers?
would like to know this as well.
Anybody could make sense of the below clause please :
For frequent flyer or similar flight reward points, loyalty card points, air miles:
- The cost of an equivalent booking, based on the same advance booking period as Your original booking. We will deduct any payment You made towards the booking and multiply it by the total number of points or air miles lost, divided by the total number of points or air miles used to make the booking
I am redeeming points from frequent flyer to travel overseas, just in case I need to cancel the flight due to circumstances out of my control, what the clause means ? Eg. I redeemed 100K points/miles worth $1500 (if you book the ticket without points), will get $1500 back minus insurance premium or something else ?
E.g. you booked a flight in January for April, which cost you 100k points + $200. If you need to cancel in March, they will calculate "The cost of an equivalent booking, based on the same advance booking period as Your original booking", i.e. find the price of a flight in June, let's say that's $1600 cash.
amount returned to you = ($1600-$200) x % of airline miles lost. If you are unable to claw back any FF points, then you will receive $1400.
If you are unsure about the insurance contract wording, I would suggest calling up the insurer to clarify so you don't jump to your own conclusions above, e.g. "$1500 back minus insurance premium" - what made you think they will deduct the insurance premium from the claim payment? You've already paid the insurance premium. The above clause is quite standard wording in my experience across various standalone insurers + credit card insurance PDS.
Thanks for the info. It is interesting how they calculate it. As per your example, if I booked the flight in high season and when they calculated, they are based on future booking, which could fall in low season, thus the ticket cost will be differed. It will also mean that I will lose $200 (assuming for taxes ?).
Any better alternatives?
Only covid cover in top policy and its limited. And don't look like there is covid cover on multi trip policy.
Mentioned above that the previous 20% off code still works, actually the old 25% off code still works too.
If using the OP link you have to remove the code that's already put in and replace with:
WW25ENTB
Or just go to the homepage and start a new quote from there.
So quite a bit cheaper using the older code.
Thanks. Worked for me.
Thanks OP.