Pushka
Veteran Member
- Joined
- Jan 26, 2011
- Posts
- 28,974
- Qantas
- Platinum
- Virgin
- Red
There is a common myth that 'free' travel insurance is inadequate - however that's plainly not true.
What I do know, becuase i checked;
AMEX -doesnt offer any cover for alternative travel arrangements to get to an event on time (note the definition of event is limited, like a wedding)
ANZ, NAB, Citi, does.
Paid for Travel Insurance, does not provide this cover on basic policies. So for this specific cover - Free Insurance trumps Paid!
Travel Delay Cover does not cover for losses arising from missing connected flights if you have to purchase alternative flights. This will affect LCC's as they dont let you travel on the next flight for free - hard luck, unless you buy the LCC;s own cover. It seems The insurers pass responsibility onto the airlines for getting passengers onto the next flight, which all normal airlines will do, and tha'ts fair enough.
Depending on your own personal situation it certainly can be inadequate. There is also a higher claim payment than paid-for policies.