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  • BBWTK about travel insurance

    Looking for recomendations for travel insurance for me and the missus.

    I thought we were covered by home insurance or as part of our mortgage deal but just found out there's Nada there.

    Any tricks or traps we need to look out for?

  • #2
    I used World Nomads. It was reasonably priced and easy (online, quick). Recommend.

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    • #3
      I use HBF. Read the fine print about riding motorcycles if that is in your plan.
      -

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      • #4
        RAC here, there is some coverage if you pay for the trip with certain credit cards as well.
        They hung a sign up in our town "If you live it up, you won't live it down"-Tom Waits

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        • #5
          If it's a bit vague in the PDS then get it in writing.

          I was looking for someone to insure me riding in Vietnam...Australians can't get a local licence in Vietnam so you're riding illegally over there.

          A few insurers said no problem as long as you've got the Aussie licence.

          I asked for that in writing, none would give it to me. Upon insisting further, all eventually said I won't be covered, even the one who swore black and blue it wasn't an issue.

          Some companies also only cover up to 250cc. Check! Check! Check!

          If you're wondering what I meant about riding in Vietnam, this is from the RAC website.

          AAA is still getting a lot of queries in regards to an IDP for Vietnam. An Australian IDP is not recognised in Vietnam. According to the Ministry of Transport of Vietnam, Vietnam accepts IDPs issued by countries who are members of the Vienna Convention on Road Traffic 1968, of which Australia is not a member. Australia is under the 1949 Convention.

          You are required to have a valid Vietnamese driver's licence to drive in Vietnam for all vehicles, including motorcycles of 50cc or more. Non-Vietnamese citizens are only permitted to drive in Vietnam if they hold a temporary Vietnamese drivers licence. Fines for driving without a valid driver’s licence vary.

          For a temporary Vietnamese driver's licence, the applicant must hold a valid Vietnamese residence permit of at least three (3) months validity.

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          • #6
            Here is some info from the Global Nomad website.

            8.2 List of adventure sports, activities & experiences
            Contact us before you buy this policy for clarification if an adventure sport, activity or experience is not listed in this section.
            Key:
            (1) Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan.
            (2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences.
            (3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences.
            (X) Not covered - There is no cover for this sport, activity or experience.
            (*) You must be with a professional, qualified and licensed guide or operator
            (#) You must have the appropriate qualification, certification or license to participate in this sport, activity or experience
            (-) Refer to another sport, activity or experience as shown

            M
            Manual work (see work) (-)
            Martial arts (cage fighting, kickboxing, mixed martial arts, Muay Thai) (X)
            Martial arts (judo, karate) (2)
            Martial arts (non-contact) (1)
            Mongol Rally (X)
            Moped / scooter biking# (1#)
            Motorbiking (off road)# (3#)
            Motorbiking (on road)# (1#)
            Motorbiking (pillion passenger with a licensed driver)# (1#)
            Motor racing (driver) (X)
            Motor racing experience (passenger only) (1)
            Mountain biking over 6,000 metres in elevation (X)
            Mountain biking (cross country) up to 2,000 metres in elevation (2)
            Mountain biking (cross country) up to 6,000 metres in elevation (3)
            Mountain biking (downhill) up to 6,000 metres in elevation (3)
            Mountain biking (on road) see cycling (-)
            Mountaineering (X)

            What's not covered - Specific Exclusions under Section 8

            7. Participation in any motorsport rally, race, competition or show.

            8. For motorised vehicles:
            not wearing a helmet where one would be required in Australia, regardless of the local laws; and
            operating any motorised vehicle without a valid licence for the same class of vehicle or watercraft in Australia and as required in the relevant country where you're travelling; or
            riding as a passenger in or on any motorised vehicle or watercraft where you know or you should know your driver does not have a valid licence in their country of residence and as required in the relevant country where you're travelling.

            9. Where you don't hold the required certification or licence for an activity (which is specified by a hash (#) in the list of adventure sports and activities), or you're not with a professional, qualified and licensed guide or operator whilst performing an activity (which is specified by an asterisk (*) in the list of adventure sports and activities); refer to Section 8.2 - List of adventure sports, activities & experiences.

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            • #7
              If you are planning to rent a car, any travel insurance will only cover the excess typically $5-10k and you will need to have additional cover in place called Collision Damage Waiver unless its included in the rental

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              • #8
                I always go through insure4less

                Made 1 claim with them and it was very straightforward. Pity the emergency root canal wasn't as painless.

                - - - Updated - - -

                Originally posted by gareth_oau View Post
                If you are planning to rent a car, any travel insurance will only cover the excess typically $5-10k and you will need to have additional cover in place called Collision Damage Waiver unless its included in the rental
                Rent a car direct through Alamo website (if travel to USA) and CDW is included for foreigners

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                • #9
                  I pay $199 for a credit card each year that includes travel insurance, and have the PDS for it which reads exactly the same as the travel insurance I have paid for seperately previously.

                  Provided I book my flights and accom on the card, I am covered. Have used it before with no dramas.

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                  • #10
                    We travel internationally for sporting activities and as such the travel insurance offered by Allianz is the one we use..
                    All I've got and more for #294...RIP Chris Adley
                    #158...RIP James Thompson

                    Originally posted by Ryanoceros
                    Wooohoo !! Fucking 10/10 ride. Cheers for that Aari, you really conditioned my sphincter

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                    • #11
                      Originally posted by boeman View Post
                      I pay $199 for a credit card each year that includes travel insurance, and have the PDS for it which reads exactly the same as the travel insurance I have paid for seperately previously.

                      Provided I book my flights and accom on the card, I am covered. Have used it before with no dramas.
                      I have one of those ANZ Travel Rewards credit cards that has insurance, but only covers motorcycles up to 250cc.
                      -

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                      • #12
                        Originally posted by agrid View Post
                        I have one of those ANZ Travel Rewards credit cards that has insurance, but only covers motorcycles up to 250cc.
                        Touche, only used mine for non-motorcycle related and Bali scooter hire for surf trips.

                        I know for my old man he has to get the action/adventure package (or something along those lines) with I think Allianz to cover him for larger bikes when he does motorcycle tour stuff with his mates overseas.

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                        • #13
                          Last time we used AusPost's travel insurance which covered a year of travelling...
                          We didnt do any adventure/exciting activities and just the usual vanilla coverage.

                          Had a few trips during the year, so was worth it... fortunately we didnt need to use it though
                          "Always look at where you want to go, never at where you are afraid to go" - My riding instructor

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                          • #14
                            Cool beans, thanks for the recommendations, will get on the blower and start reading pds's.

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                            • #15
                              Originally posted by INTJ View Post
                              I always go through insure4less

                              Made 1 claim with them and it was very straightforward. Pity the emergency root canal wasn't as painless.

                              - - - Updated - - -



                              Rent a car direct through Alamo website (if travel to USA) and CDW is included for foreigners
                              Sometimes it is. We’ve found that the bigger Chev Suburbans etc often dont include and its an extra $30/day for CDW

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