How do you decide on annual multi-trip vs one offs?

[tdimdad]

Do you take cover for NZ?

I have NZ, Europe and SG coming, separate trips but all in about 10 week timeframe. Possibly also adding the likes of Korea/Japan in March and definitely another Europe in June. At the minimum, this would be EU + SG + EU in the next 9 months and I'm thinking of whether it'd make sense to combine time into a single annual policy or take out individual ones, as needed?

 

[VPS]

Do you take cover for NZ?

I have NZ, Europe and SG coming, separate trips but all in about 10 week timeframe. Possibly also adding the likes of Korea/Japan in March and definitely another Europe in June. At the minimum, this would be EU + SG + EU in the next 9 months and I'm thinking of whether it'd make sense to combine time into a single annual policy or take out individual ones, as needed?

depends how risk averse you are and what you'll be doing. Personally I don't go anywhere outside of Australia without TI and usually have an annual multi trip domestic as well

 

[SeatBackForward]

I've found the exact same thing... But an annual (worldwide) policy for 2 adults + 2 kids including snowsports is 1/3rd the cost of SCTI, Cover-More (and 30% cheaper than TID or 1cover).

Sure, some lower cancellation limits, but I've got credit card insurance (Chase Sapphire) for that.

What am I missing?!

I dunno, but I got my annual Multi-Trip cover, Worldwide including USA and Africa, $250 excess and no single trip greater than 30days for under $300. I mean at that price, buying coverage per trip would make zero sense to me.

 

[shuuy]

I dunno, but I got my annual Multi-Trip cover, Worldwide including USA and Africa, $250 excess and no single trip greater than 30days for under $300. I mean at that price, buying coverage per trip would make zero sense to me.

Who did you use!

 

[RooFlyer]

and no single trip greater than 30days for under $300

And what was the cancellation cover amount?

 

[There'sOnlyOneJimmy]

Ok replying to myself. I contacted my last years provider (Medibank) and to my surprise, they quoted me an annual multi-trip policy that was about $100 cheaper than last year! Can't say that about many things these days. Wonder if its a fallout from the trouble they had last year?

Is the PDS the same as last year (or has it been ‘enhanced’…)?

 

[MEL_Traveller]

Wow. I’m surprised! Medibank medical only for a two week trip to the USA is only $57! I would have thought it would have been far higher! But an annual policy for a single wants to set me back $471. No discounts as not Medibank member.

 

[SeatBackForward]

Who did you use!

I've gone with Medibank again, we have our family health insurance with them, so I'm not sure if that was a factor + I didn't include any cruises, and have no medical conditions that affected the cover.

Post automatically merged: Sep 20, 2023

And what was the cancellation cover amount?

here's the summary table from the PDS:

 

[SeatBackForward]

Is the PDS the same as last year (or has it been ‘enhanced’…)?

Well that I'd need to go through it line by line, which I haven't done. Given the price drop, No doubt something has changed!

 

[booter40]

I too have found annual cover with Covermore to be better than single trip and from the threads above will look into competitors now - thanks for tips. I also wonder though - what about using the cover you get with say the Qantas premium credit card if you pay with it for the overseas flights?

 

[MEL_Traveller]

I too have found annual cover with Covermore to be better than single trip and from the threads above will look into competitors now - thanks for tips. I also wonder though - what about using the cover you get with say the Qantas premium credit card if you pay with it for the overseas flights?

You need to read the PDS for you credit card insurance, particularly around eligibility … or the trigger to activate the cover.

Some policies require a minimum spend, others require you to put the whole cost of your ticket onto the card, or, in the case of award tickets, to have used points accrued from your card to obtain that ticket.

But once activated you’ll find many CC insurances are equal or better than paid policies. The thing to watch out for is the length of trip. Some cards cover trips of just weeks in duration, some cover up to 6 months.

 

[Cynicor]

Does Medibank annual cover domestic trips?

 

[JohnK]

The annual SCTI policy for me is <$500/year.

I had 3 overseas trips planned for Sep 23, Dec 23 and Jun 24 of roughly 21 days duration each. The best single trip policy that I could find was $250-$300 for each trip so makes sense to purchase annual multi-trip policy.

Next time we are back to 2 overseas trips and I will turn 60 year old by then so expect the SCTI annual multi-trip to increase significantly. Review again next year.

 

[tdimdad]

Prompted by some here mentioning a surprisingly affordable cover from Medibank, I did a little comparison for my own selection. All these comparisons are severely hampered by the inconsistencies on how the insurance industry words and displays their inclusions, leading to omissions when a layman tries to put them side-by-side. But this gave me enough to choose between two options.

The green shadings are where the cover provided is higher than with the other providers. The points are easy: highest cover among the three = 3 points, lowest = 1 point.

I tried to keep the inclusions and selections close to each other, where possible. However, it may be that the spike in CoverMore's price is from a snow package that I was playing with (and didn't fully get rid of).

Of these options, I went with Southern Cross for now. It was the only one which clearly articulated e.g. medical evacuation & repatriation, and also another person to be paid to come over wherever I'm hospitalised, should that ever happen.

I really wish that the industry would unify the language so that you can confidently compare the options and find the one best suited to your needs!

 

[Moopere]

Is Southern Cross still ok? I note the last posts on this subject only about a week old but trying to get a quote today at https://www.scti.com.au/ gives me:

Hmmm… can't reach this page​

www.scti.com.au’s server IP address could not be found.


Try:

• Checking the connection
• Checking the proxy, firewall, and DNS settings.
• Running Windows Network Diagnostics

ERR_NAME_NOT_RESOLVED

That can't be good (!!).

 

[Flashback]

Is Southern Cross still ok? I note the last posts on this subject only about a week old but trying to get a quote today at Southern Cross Travel Australia gives me:

Hmmm… can't reach this page​

www.scti.com.au’s server IP address could not be found.


Try:

• Checking the connection
• Checking the proxy, firewall, and DNS settings.
• Running Windows Network Diagnostics

ERR_NAME_NOT_RESOLVED

That can't be good (!!).

Working OK for me from the UK - maybe they had a temp issue?