Sharing this code again, as the last time this was posted was in 2020… Figured now would be a good time to share as everyone is itching to travel.
After doing extensive research over the past couple weeks, this was the best value, with the best coverage for a family of 4 travelling to the UK and US (20 day trip).
$100 standard excess is another bonus, as almost everywhere else is $200…
Paid under $350 for Gold Cover - here's hoping we never have to actually use it :D
You're going to find negative reviews with literally every (travel insurance) company - people are always quicker for post about a negative experience haiyaaa
I agree but creating fake reviews to boost their rating is something special.
I doubt they'd be the first company to do this lol
Haiyaaaaaaaaa !
I got a full refund of a trip cancelled due to covid as they would not offer international insurance during this time. Nor could you book international insurance.
I couldn't get a refund from 1Cover for my policy to Singapore in March 2020. It's part of the reason I buy insurance later than I used to; approx 1 week from departure.
That's not the the best use of travel as you are then not covered if something goes wrong in the days prior to your holiday commencing which ends up causing you to have to cancel.
Say 2 weeks out you fall very sick or have an accident and are stuck having to cancel the holiday, you won't be covered if it the incident occurred before the travel insurance was purchased.
You probably already knew this, but it's risky also leaving it a week before the travel date.
Wondering if this holds true today?
You figured right. Perfect timing, thanks.
Username checks out fouiyohhh
huat ah !
Used this insurer recently.. luckily got paid out all the money due from a cancelled trip. They advertise that claims will be settled in 14 days but mine took 28 days as they were apparently swamped with claims
ok, I had been considering Southern Cross
$990 (28 days family cover) worldwide excluding USA. How is the op getting it for less than $350?
Kids are 4 and 3… Maybe that makes a difference?
Yeah, that made a big difference. Want to swap kids?
YES.
plus they said 20 day
5k covid cover on the gold tier seems decent
What? That's like saying 5k ant bite cover. It's harmless, why would you ever need cover for that?
I just compared tick with this.
If you need COVID cover, the minimum cost is much higher here.
Can vouch for this company since I recently made a claim with them on my last overseas trip. But need to make sure you keep ALL documentation and satisfy all proof to support your insurance claim.
Got hospitalised for a few weeks, and I contacted them immediately.
Just found it really strange that they ask all these weird documentations from me even after sighting actual invoices. Made me worried they are trying to get away from paying out.
In the end (after 6 weeks of waiting and numerous follow ups), they finally paid up.
What documentation did they want?
Have you tried reading the pds?
If your trip includes a cruise, do you need to purchase 2 separate policies with this mob?
weird… homepage lets you select cruise option, then the details on the quote page say they are not covering cruises at this time.
Where'd you see that they're not covering cruises? The plan is literally called 'Gold Cruise'
No, just the one.
"Cruise option covers you for the land, air AND CRUISE part of your journey so you don’t need a single trip and a cruise policy if your whole trip or part of your trip involves any travel by cruise ship."
Tick Insurance is showing cheaper for me for 15 days in NZ in January for 4 ppl.
Tick is cheaper for me for a family to Bali
Tick and InsureandGo seem to be the same company - Europ Assistance Australia Pty Ltd. In my (probably oversimplified) interpretation, as long as the cover is same, one should simple choose the one with the cheaper price.
InsureandGo seems to be their brand with more promotions across online platforms (like 9saver) but even after the discounts, they end up being more expensive than Tick.
did you use a promo code?
Good timing for my local trip to Mel.
Not sure if anyone had experience of using the travel insurance to pay for the car excess in a case of an accident with the rental car?
Just noticed that the Gold Domestic can cover 'Rental car excess waiver' up to $7,500. I used to pay extra for the car rental for the 'reduced excess' (normally $50 per day to reduce the excess fee from around $5500 to $800).
as the travel insurance cover the rental car excess up to $7,500, it is more than enough for the excess fee of the rental car allowance. Should I just rent the car without paying extra for reduced or zero excess?? (it will save me at least $220)
That's the main reason I get travel insurance.
AMEX travel insurance covered my excess when we hit a wombat or something.
and hopefully it won't be a long/complicated process to claim back $5500 excess back IF an accident happened (touch wood). not sure if anyone had experience to claim the excess back from the travel insurance company?
It seems like a good saving, given that the cost for a gold domestic cover is $1xx only with $100 excess fee. However, the cost of the reduced exccess option from the car rental company is $220 with $800 excess fee.
Just read policy see if covers undercarriage or roof . I was worried in Iceland as rock damage. Turns out a wash road and Driving in a place I damaged the undercarriage. Insurance online (call centre Brisbane ) covered the $4.5 damage.
Yes, read the PDS carefully, but I have made two claims before to get back the excess for something involving a rental car. One was a windscreen chip they wanted like 2 grand to fix and the other was a scraped bumper while parallel parking. The car company charged us thousands in excess, we paid for it, and the insurance company paid us back that excess (minus the travel insurance excess of course). So it works, and I never forked out to reduce the excess on the car rental.
This company is the cheapest travel insurance provider in Australia. I always use them. They do pay out, but you need to make a claim quickly and they take longer than most to pay out. Their automatic claim form on the website is intentionally broken, to reduce customer claims. They ignored my emails for months until I was able to call them whilst I was back in Australia. So technically a pretty dodgy company, but they are the most competitive (prices are still (profanity) compared to pre covid).
"technically a pretty dodgy company" lmao
It is easy to be the cheapest and most competitive if you put mechanisms in place to avoid claims. Personally I would probably prefer to pay a little more for one of the providers that doesn't act in the way you describe.
Perfect timing!!
Here to help :)
Good timing, shame about the annual multi trip not being available.. wonder whats going on there!!
Thanks to the OP here!!!
Any time nephew :D
That's not right, it's only for tours, not trips:
Any claim arising from your tour being cancelled due to insufficient numbers, other operational reasons, or the
negligence of a wholesaler or operator
I've been doing lots of research on travel insurance over the past couple of days, these people seem to have the exact same formatting as a couple of other offerings down to the amounts including one that I was looking at seriously yet these guys are $40 more after the discount than the one I was most likely going to sign up for.
I've been using a combination of choice, finder, comparetravelinsurance.com.au and my own research to work out the cheapest best offering; this place is $250 for 'top' coverage after discount whereas the exact same details and coverage (in fact it's the same damn insurance offering) at Zoom Travel Insurance is $210 without any discount. There's also plenty of other offerings around the similar price range so do your own research on insurance.
Fair… For our trip it's $30 more expensive with Zoom, so your experience may vary…
Same company as Tick. PDS needs a law degree and photographic memory to navigate. Typical insurance industry crap which should be sorted out by a royal commission asap. Tick pds has dozens of pages advising exclusions and when claims won't be paid.
Used them for a trip early this year where I sadly got sick and had to have surgery while overseas. They were awesome and paid for everything (less $100). They consistently chase me up for receipts so they can pay me back, which they did.
For some reason it was cheaper for me to add on a few days of extra cover, price went down from $220 to $196 for our 2 week japan trip.
anyone's thoughts on Southern Cross vs insureandgo?
fwiw, insureandgo is one of the few companies that insure for pregnancy up to 30 weeks. Many insurers only provide cover up to 24. I just happen to be in this 6 week window.
just used this code recently and it still works
Just tried the code it works. Made a minor mistake in the setup. Now on the phone to correct. What a punish. 40 minutes on hold for a 1 minute update.
This code is still working - good old GROUPON20
I’m still not sure what one to go withi get alliance at $376.35 with $100 excesses with the discount.
I get insure n go with same excesses gold cover with discount $467.12
And I get scti same excess as above two and cost of $414.50
I’m just not sure who to go with out why obviously covid is not such a thing anymore but is still out there and I’m just confused who overs best covid of the three.
I just need to be sure we would be covered if covid got any of us.
We are two adults and two kids 11 and 7
Alliance is cheapest followed by scti then insure and go.
Some promos end this month so want to take advantage of this discounts.
?
What confuses me if dependents are free cover does that mean the full amount I get paid back if worst happened and my my question is the covid thing also. On the scti cover I can add more cover if I needed to cancel trip etc etc
It’s set at $2500
If covid they only give $2500 per person upto $5000 per trip.
I not got exact figures handy but kids are always bit less than adult fares but the likes of scti maybe otters the same kids are free cover?
Now say for example we or couple of us had covid we paid $9950 if I remember right short short of $10,000 are scti saying I be covered for this.
Hold on this trip is a return so the cover they are offering is probably enough?
It’s just the kids free cover part that gets me, if we had to change or cancel or got covid all im interested in does it cover our costs paid or to cover re booking as that’s the reason for insurance not out of pocket.
I not got exact costs per person but I’m sure if I look it up it will give more details, this flight also includes a connection flight within the country as well all included in the total cost of flight.
I’m tempted to go with scti as they have very good reviews and many happy customers, but is it as good as the other two I’m looking at.
I have today and tomorrow to pick from one of them before any discounts don’t work.
If we are just worried about covid I’m thinking if they say $5000 per trip well this would be our first trip to destination not a return and yes it might cover the costs for me and wife ie kids covered free.
I personally would need to get the prices I paid as I suspect ours will be more cost than kids.
Protect yourself in case you need to cancel or change your trip before you set off. Ideally select the maximum amount each paying person would need to be reimbursed to cover costs such as flights, hotels, tours and activities if you needed to cancel or change your journey. This limit excludes cancellation and changes due to COVID-19 which have a maximum benefit of $2,500 per paying person, up to $5,000 per journey – please read our COVID-19 SPDS for full details of the COVID-19 benefits we offer.
What did you pick and why?
Not picked anything yet
?
Get a separate travel insurance or purchase flight tickets using insurance covered credit card? (for example, I have NAB Rewards Platinum Card)
Which one is recommended?
Just stick with the free travel insurance from the credit card. Most important part is the medical/hospital cover which is already covered.
I’m headed on a trip to India and SE Asia with a one way ticket and an un known return date but it’ll be at least 1.5 months.
I just care about medical. Any recommendations?
I used to travel a lot and always used this company & code. I Can confirm they were easy to deal with. I needed to claim a medical expense in New York a few years ago, and also one time in Vietnam. Very helpful and no issues. Please read the PDS beforehand so you know whats covered. I go for the $0 excess but that will cost more.
Just a note I want to mention that once I used Allianz and they were terrible and I'll never go back to them or one of their resellers.
Isn't it cheaper just to use the NAB Platinum Debit Visa card? $10 a month
Same issue. Excess $400 + $500 spend must before travel on prepaid travel expenses.
It's a trap.jpg
Unfortunately, I can't neg this deal. Worth to check the PDS (page 8). tldr;
* Either you go for $0 excess or;
* Be prepared to pay multiple excesses. A $100 excess for 4 people, can easily be $400. Good luck if you want to claim multiple sections.
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.
Imho not worth it. Better go with others like covermore, etc.
Caveat emptor.
Thanks, good advice.
In the current climate, it's worth knowing that this will not cover you for insolvency (airline or otherwise). That's pretty standard, but I don't think a lot of people realise this.
Had a look at my NAB credit card travel insurance (Alliance is the underwriter) for like for like cover. The biggest difference is $400 excess of some of the crucial items in NAB cover while this is only $100. On the other hand many smaller claim items NAB had nil excess while this cover has $100 for all. NAB card has yearly fee around $250 while this cover (for worldwide cover for three trips only) costs $1200 for my family. In these circumstances, I'd stick with NAB insurance than this (even with 400$ excess, it's better in many ways).
In fact, this cover will end up $400 per claim for all 4 family members (I realised $100 excess is actually per person) so now it's definitely not good value compared to NAB CC travel insurance.
Confirming that GROUPON20 works.
Compared the below for 14 days in the USA for 50+ female:
Promo code WW25ENTB 25% off World2Cover: Top Cover = $203.67 after discount
Promo code EOFY15 15% off Tick Travel: Top Cover = $ 158.14 after discount
Promo code GROUPON20 20% off Insure and Go: Gold Cover = $174.18 after discount
Chose Insure and Go for the benefit levels, including Death and Disablement cover.
Hope this helps.
Anyone has issue in purchasing insurance from insureandgo? There is a constant error of An error occurred while updating data, please try again and I can't submit from the Pre Existing Medical Condition.
Edit - found the issue. Child with less than 1 year has to enter 1 year old when purchasing.
Thanks OP 🙂
After using dedicated travel insurances a few times, now I'm solely using NAB signature rewards credit card insurance which has pretty much everything I want and costs only the annual fee of the card. Excess is a bit high ($200) but if you go overseas 2 times per year (which costs $700 with this cover), even if you claim three times, you still are better off with credit card cover. In my case, I went overseas 3 times this year and probably saved over 1000$ by not having dedicated insurance (and luckily didn't have to use credit card insurance either).
Since I haven't used any of these products to actually claim, I don't know whether they treat things differently for dedicated vs credit card covers (I hope not lol).
They offer cover for 'one trip', 'cruise' and 'annual mult-trip'. If I were going from Australia —> Country A —> Country B —> Australia, buying the 'one trip' won't cover anything right?
Don't see why not. Just list all countries in the quote and the dates need to align with departing / arriving back to Aus.
You need to select the 'World wide' option.
From their PDS for 'one trip'
'Worldwide* Including
Worldwide including USA, Canada, Mexico, Caribbean,
Central & South America.
*this policy will not cover any loss, injury or illness,
dental, damage or legal liability arising directly or
indirectly from travel in, to or through Afghanistan,
Antarctica, Belarus, Chad, Crimea, Cuba, Democratic
Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon,
Liberia, Libya, Myanmar, North Korea, Pakistan, Russia,
Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela,
Yemen, Zimbabwe or any other country which is
sanctioned by the European Union, OFAC, United Nations
or Australia from time to time.'
Better to have an insurer that you're confident will pay out if you incur medical or public liability costs in the millions for stepping left when you were meant to step right in the USA, etc.
I am finding travel.insurance.qantas a lot cheaper for a domestic trip for a rental car. 4 day trip with $8,000 Rental Car excess is $29 with Qantas versus $67.49 / $7500 Rental Car excess.
They're fantastic for pre existing conditions
Does anyone have advice on this travel insurance when traveling in the USA and renting a car? I see that the "rental excess waiver" applies, but in the USA it seems that we also need to get car insurance, not just the excess.
Anyone with experience who can explain the best way to approach this?
I thought the price of car rental in the USA was cheap as chips. Have you done any quotes?
Yes I have through Avis and Hertz, but it is not clear about the insurance (ie they don't mention any excess) and how best for international travelers, say from Australia, are best covered. There is an option of paying an additional US$35 per day to be completely covered, but at a 10-15 day care hire that easily exceeds the total cost of travel insurance. So it is best to know how others do it traveling from Australia. It is costly to be doubly insured, and could be catastrophic to be under insured.
I have purchased my travel to Japan using Amex they should activate my travel insurance and will do 1 day beginner skiing near Sapporo with my teenager kids. Do I need additional insurance or Amex insurance should be fine?
Have a read of the pds. I believe it doesn’t cover immediate family members but I could be wrong
Why would you purchase this if your credit card includes travel insurance?
Not all policies have the same coverage. Read the PDS for the policies to make sure you understand the terms and conditions and specific coverage. Be particularly mindful of cover for pre existing medical conditions
Check reviews on ProductReview. They got flooded with negative reviews during COVID for being only of the only insurers not to offer refunds/credits for policies that couldn't be used.
Then they started creating fake accounts (with single reviews) to boost their ratings again.