Long-term Travel Insurance

Stillearly

Well-known member
Anyone bought LT travel insurance , for a continuous period over 90 days ? Which company did you use , I see some have age restrictions for backpacker insurance ( under 41 ... :( )

I already have annual cover , free with a packaged Bank account , so might see if they will provide extra cover , but also checking out stand alone policies

Suggestions please
 

RakThai

Well-known member
Can't answer your question, because I don't think the insurance company is really relevant.

I have dealt (as a occupational doctor) with a few repatriations, and I think the service abroad depends on the claims handler..
SOS international is a very good one for repatriations and communication.. which is essential in times of need...

For myself I have continuous travel insurance through a medial non-profit club, but they cover a max of 90 days abroad...

I would focus on the claims handler...
 

RakThai

Well-known member
Stillearly;180979 said:
I thinking of delays , loss of luggage , cameras , cash etc as well as medical cover
Don't know what your travel plans are, but imo the stuff you take is hardly worth insuring...
Claims will have always have a lot of hassle in the way of how you took care of them... So just don't take things you can't afford to lose...555

Only real thing is medical emergencies and repatriations... But that's just my 5 cents..
 

chelski

Active member
Se, most companies I have looked at do a normal 30-45 day holiday policy or they do a frequent traveler policy that last 12 months.
If you have any existing medical conditions, try a company called Covermore. They were the only ones that would insure me for what I had done with the operation on my heart. All the others would insure me without a problem, bit would not cover myt existing conditions.
 

Stillearly

Well-known member
Found a company called Holidaysafe.co.uk , good ratings from Which magazine

Medical insurance of £10million , possessions £2000 , plus gadgets £1000 , lots of other bits of cover , watches , eyewear , money , passport etc

£70.53 for the period I am looking at
 

Stillearly

Well-known member
Directline £125.98 , similar policy .. ;)

I used to have an annual policy with them and know they do pay out .. :)

Will carry on with my research
 

Stillearly

Well-known member
anmeno;181443 said:
From the tread in travelfish, I would say that insurance is not worth the paper it is written on.
As everyone know public hospitals in Asia is top notch.
Gotta disagree , we keep seeing stories like this No travel insurance proves costly for Phuket tourist

, I have always had insurance and have thankfully only had to claim once , a friend that I was travelling with died the night before we were due to leave , so I cancelled my holiday - my flight , hotels and other prepaid expenses were reimbursed
 

anmeno

Well-known member
Stillearly;181447 said:
Gotta disagree , we keep seeing stories like this No travel insurance proves costly for Phuket tourist

, I have always had insurance and have thankfully only had to claim once , a friend that I was travelling with died the night before we were due to leave , so I cancelled my holiday - my flight , hotels and other prepaid expenses were reimbursed
I think you misunderstood me.

What I tried to say was that the insurance from Holidaysafe.co.uk is not worth the paper it is written on as according to 2Peas on the travelfish forum that insurance only covers public hospitals.

I would never travel without a travel insurance.
 

Stillearly

Well-known member
Sorry I did misunderstand :)

Although it is only one story , most people that are happy won't bother to post about it , I assume most Insurers have a small % of unhappy customers
 

Hatari

Active member
Stillearly;181447 said:
Gotta disagree , we keep seeing stories like this No travel insurance proves costly for Phuket tourist
agree - but the guy in that paticular quoted story may have had trouble getting insurance cover if he was honest with his many pre-existing health conditions; if he lied, then of course insurance co find out and do anything they can to avoid making any payment

often these 'no insurance' stories eventuate from accidents that would not have been covered anyway - the obvious one is anything involving a motorbike, where typically (1) the policy specifically excluded any motorcycle-related accident cover, (2) rider was not licensed (this rules out a claim from pillion too), having never ridden a motorbike before and (3) pissed (ditto re pillion). Then it's hands out for mates to pay up.

Last travel cover I had - 1Cover - policy is 80 pages, exclusions don't get a mention till page 67. And there are plenty of them.
 

OZZYGUY

Well-known member
I have a yearly policy with QBE insurance and it cost just over $200 Aust. I found it when searching in the Iselect web site,
 

billpay

Member
OZZYGUY;181546 said:
I have a yearly policy with QBE insurance and it cost just over $200 Aust. I found it when searching in the Iselect web site,
I have accident insurance with QBE. I have found that they are very good.
 

Norabunga

Active member
Just to clarify "yearly" or "annual cover" Most yearly policies cover trips up to 45 days. I used to have one with TID.
My policy with world Nomads covers me for an entire year of travel. I think mine was about AU$4++ for travel to Asia and the missus paid about AU$6++ because she's also going to UK/Europe.
 

Bawdy

Active member
I am now getting Expat Travel Insurance adverts on my Facebook page, any connection to this thread?
 
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