Best annual TI policy to replace Amex Platinum policy

[awilcockson]

As it seems that quite a few people will be cancelling their Platinum Cards after the recent changes that were announced, and as my question below was lost in the main thread ...

Can anyone recommend a good source for an annual multi-trip insurance policy? I was quite happily travelling under my work provided policy until I lost a $300 pair of Ray Bans in Oslo, went to make a claim, and found out that the policy is medical only

So, thoughts?

I can google and find policies, but I'm interested in people's experiences with particular policies.

 

[markis10]

I have been happy with my QBE policy although claims are very slow.

 

[Timtammi]

I'm looking at TID but have had no personal experience with claims so would be interested in hearing others experiences. Thanks for starting the thread awilcockson.

Cheers

Timmi

 

[beardoc]

Travel Insurance for ex-Amex Platinum Charge Cardholders

Many of us on AFF have held a travel insurance policy through their Amex Platinum Charge Card and Centurion card because it has been quite good in terms of travel insurance benefits, and the fact that you were previously covered for all travel just by virtue of being a Platinum/Centurion cardholder.

That's all changed now: http://www.australianfrequentflyer....nge-platinum-card-travel-insurance-37231.html Amex Platinum Charge/Centurion card insurance is now full of exclusions and hurdles to jump that it's not really comprehensive.

There are a number of us (myself included) that are now looking for good comprehensive annual travel insurance policies. I'm interested to know what people are considering, to see if there are options that I might have missed. For those that are considering one of these policies, who are you looking at going with?

 

[nlagalle]

Re: Travel Insurance for ex-Amex Platinum Charge Cardholders

Many of us on AFF have held a travel insurance policy through their Amex Platinum Charge Card and Centurion card because it has been quite good in terms of travel insurance benefits, and the fact that you were previously covered for all travel just by virtue of being a Platinum/Centurion cardholder.

That's all changed now: http://www.australianfrequentflyer....nge-platinum-card-travel-insurance-37231.html Amex Platinum Charge/Centurion card insurance is now full of exclusions and hurdles to jump that it's not really comprehensive.

There are a number of us (myself included) that are now looking for good comprehensive annual travel insurance policies. I'm interested to know what people are considering, to see if there are options that I might have missed. For those that are considering one of these policies, who are you looking at going with?

I was looking up TID and so far it looks pretty good.. under $400 for family cover annual policy..

 

[awilcockson]

I'm looking at TID but have had no personal experience with claims so would be interested in hearing others experiences. Thanks for starting the thread awilcockson.

$333 for an annual policy seems quite reasonable. The limits are decent, and there doesn't seem to be any ridiculous rules imposed.

 

[straitman]

Rather than delete the second thread I have merged the two.

 

[beardoc]

I notice that TID has a Group Travel Insurance offer for 5 or more people, with the option for the Insurance to be paid by individuals (rather than all in one). Maybe AFF could offer a group annual policy discount as an option?

 

[AV8]

I notice that TID has a Group Travel Insurance offer for 5 or more people, with the option for the Insurance to be paid by individuals (rather than all in one). Maybe AFF could offer a group annual policy discount as an option?

Count me in if this was available.

 

[beardoc]

The other thing is - what's TID's assessment of pre-existing conditions like? In my family, I need to insure a back condition (stable for a number of years now) and an ischaemic heart disease condition (which most insurance companies consider "high risk").

 

[markis10]

$333 for an annual policy seems quite reasonable. The limits are decent, and there doesn't seem to be any ridiculous rules imposed.

15% off code TIDOZ

 

[Fifa]

TID Annual Policies:
Excess is only $100
For an extra $25 you can remove the excess.

But for the annual policy "you cannot buy travel insurance when departing in more than 30 days time" which means this would not suit a lot of people.
Do you think it is a mistake, as many people would want to be covered for trips more than 30 days out?​

 

[medhead]

Just what to offer a suggestion for a possible candidate. That being Medibank health insurer, who also offer travel insurance. I know mum used them last year for a single trip and I was a bit dismissive as I used TID at the same time.

However, I just compared them today for a single trip against QBE and they were about $60 cheaper and the benefits about the same overall.

On the topic of a greater than 30 day exclusive, how can an annual policy even have such an exclusion?


Sent from the Throne (80% chance) using Aust Freq Fly app

 

[markis10]

But for the annual policy "you cannot buy travel insurance when departing in more than 30 days time" which means this would not suit a lot of people.
Do you think it is a mistake, as many people would want to be covered for trips more than 30 days out?​

I think that is to cover possible insolvency claims for people who made arrangements awhile ago before facts started coming out, like recent events....

 

[wandersen]

Huge number of complicated exclusions for pre-existing medical conditions with TID. I hate to say it, but the Amex Ultimate and Platinum Reserve Credit Cards are still best on this point.

 

[straitman]

Another to look at is defencehealth dot com dot au

It is not a requirement to be or have been a defence member for the TI option. They are often, though not always competitive but I believe their policy inclusions are quite good.

 

[beardoc]

The kicker for me with TID is going to be the limit of 38 days for personal travel. My trips often extend to 60-80 days, so I'm not going to be covered. I suspect it's going to be hard to find policies that were similar to Amex - you could travel any number of days as long as it was no more than 183 days per year. Or maybe I'll have to rethink my travels.

 

[awilcockson]

Huge number of complicated exclusions for pre-existing medical conditions with TID. I hate to say it, but the Amex Ultimate and Platinum Reserve Credit Cards are still best on this point.

But when you are travelling for work and have no option to pay for the travel on your Amex.

 

[straitman]

But when you are travelling for work and have no option to pay for the travel on your Amex.

.... or as was my case previously that I had to pay on my company issued Amex green card.

 

[markis10]

The kicker for me with TID is going to be the limit of 38 days for personal travel. My trips often extend to 60-80 days, so I'm not going to be covered. I suspect it's going to be hard to find policies that were similar to Amex - you could travel any number of days as long as it was no more than 183 days per year. Or maybe I'll have to rethink my travels.

QBE is 90 on business.