How to Approach This Travel Insurance Question?

maiuspala on 15/06/2023 - 21:42
Last edited 16/06/2023 - 10:14 by 1 other user

Hi guys,

Me and my partner and our 4 friends (6 of us in total) would like to travel together to Thailand next year and stay in a villa.
How can we cover ourselves, if something were to go wrong? Only one of us can pay for it, but cc insurance would only cover me and my partner.

Would any paid insurances cover our whole group (if one or more people are unable to travel etc)?

We all plan to use different credit cards to get travel insurance. All of the villas are non-refundable through booking.com (either totally non-refundable or refundable until 2 months before the beginning of the stay).

How do people usually approach this from insurance perspective?

Travel Insurance Travel Insurance

Comments

  • jizmo on 15/06/2023 - 21:47

    chook dee cup

    Thai for good luck.

    In other words, your f#$k#d if something goes wrong

  • mbck on 15/06/2023 - 22:14
    +11

    Everyone buy their own insurance, less headache.

    Ifyou're using cc insurance, each has its own pds. Get everyone of your friends to read whatever pds for their cc.

  • holdenmg on 15/06/2023 - 22:30

    Download: Freely (Zurich/Covermore)

    https://play.google.com/store/apps/details?id=com.freely.pro…
    or
    https://apps.apple.com/app/freely/id1542672696

    Select:
    Thailand

    Pick a Primary Traveller
    Then Additional Travellers

    I'd suggest you ask Support Enquiries
    Chat: Through the in-app chat
    or Call: 1300 772 183
    or Email: [email protected]

  • DashCam AKA Rolts on 15/06/2023 - 22:32
    +9

    Me and my partner and our 4 friends

    Four friends, my partner and I…..

    • altomic on 16/06/2023 - 12:08

      Thank you

  • elgrande on 15/06/2023 - 23:12
    +6

    Your doing it wrong. This is Ozbargain. Best to save your insurance questions until after an event or incident.

    • skullster704 on 15/06/2023 - 23:42
      +1

      Better have an MS Paint diagram ready to go too

    • Mechz on 16/06/2023 - 08:53

      Yes, like the ones "I've just had an accident overseas and need to buy insurance to cover the hospital bills".

  • jv on 15/06/2023 - 23:20
    +2

    Me and my partner

    　

    "My partner and I"

  • holdenmg on 16/06/2023 - 08:01

    Solo Traveller = Me, myself and I,

  • Mechz on 16/06/2023 - 08:54

    Most insurers won't offer cover (ie sell you a policy) once you have left the country. So get it sorted beforehand.

  • kawinuyo on 16/06/2023 - 17:16
    +2

    I prefer to buy insurance and not rely on the credit card ones. Not every credit card insurance is good so should read the psa and see what it does and does not cover and compare with what is important to you.

  • hasher22 on 16/06/2023 - 23:45

    Get your own insurance, don't worry about your friends, they can get theirs as well. You can suggest you got X insurance but I wouldn't even bother researching group insurance.

  • coffeeinmyveins on 17/06/2023 - 09:17
    +1

    Credit card insurances are generally not the best. Read the PDS and you'll be surprised what's not covered and the conditions that are on it.

    Go with a reputable provider , don't get one of those resold ones eg Coles or aus post. They may seem cheap but their claim:loss ratio has more stringent conditions in it so you'll be rejected for claims much easier than a reputable mob and they will have exclusions all over the place.

    Get protection for you and your partner. Everyone else is shit out of luck, they need to sort themselves out.

    Do not travel without protection. There are so many stories of people being stuck without it and they can't get home or have $100k bills
    Source: work in the industry

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