Is Travel Insurance worth it for small claims

[Flashback]

I'm absolutely astounded by the hoops you are made to jump through for what should be a simple claim.

Recently had to cancel a trip to Ireland for St Patrick's day due to health reasons and there's the standard 50 GBP excess to pay, that's fine. What irks me is that on top of that they then want you to fill in a separate medical form, which your GP has to do (and charge handsomely for) and they will not cover the cost of it. We have medical certificates and letters from the hospital and GP stating the period she will be off work etc which covers well past when this trip would have been but apparently that's not good enough. All up we are now looking at 100 GBP to cancel a trip that was only worth 350 GBP to begin with.

When I factor in the cost of my time etc. it really does not seem worth doing.

For something that was already a very stressful event, I think this is just shameful. Shame on you AXA insurance (provided by AMEX Plat Charge Card)!!

Sent from my HTC Desire using AustFreqFly

 

[GladstoneTim]

Have you ever tried claiming on insurance that covers playing a sport e.g what's included in your teams's registration? They make it close to impossible to make a claim for anything less than many hundreds of dollars. Flashware, I think you need to weigh up whether the £ and time cost is worn it.

 

[Archphoto]

Small claims - yeah they are a real PITA, last time I fell ill in BKK in a 5* hotel and to have the doctor visit, check me out and give me a shot to help me get some sleep, came to $250.00. (Not bad for a 10 minute consult,huh?)

Had to pay by CC and when the claim came through, they paid on the exchange rate for the day of the claim payment, not on the day it was charged, so I actually ended up paying the insurance company cash for the claim!!

However, I truly wouldn't fly without it - these days it's just too risky. Interesting that Amex is now using AXA - I also used them before moving to BKK, but they used ACE (now it's Allianz I believe).

Strange that they won't cover the doctors fee - I had everything covered with my policy and I'm thankful for that - even with their cheeky repayment of my initial outlay. . . . . . .

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[Flashback]

Small claims - yeah they are a real PITA, last time I fell ill in BKK in a 5* hotel and to have the doctor visit, check me out and give me a shot to help me get some sleep, came to $250.00. (Not bad for a 10 minute consult,huh?)

Had to pay by CC and when the claim came through, they paid on the exchange rate for the day of the claim payment, not on the day it was charged, so I actually ended up paying the insurance company cash for the claim!!

However, I truly wouldn't fly without it - these days it's just too risky. Interesting that Amex is now using AXA - I also used them before moving to BKK, but they used ACE (now it's Allianz I believe).

Strange that they won't cover the doctors fee - I had everything covered with my policy and I'm thankful for that - even with their cheeky repayment of my initial outlay. . . . . . .

​

I know, it's absolute rubbish they won't accept already official Dr's certificates, etc.

Just to note also, mine is AMEX UK so it may still be ACE in Australia.