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| Thread ID: 146572 | 2018-09-13 21:21:00 | Travel Insurance | bk T (215) | PC World Chat |
| Post ID | Timestamp | Content | User | ||
| 1453580 | 2018-09-13 21:21:00 | I am planning a holiday trip to Singapore/Hongkong/Hainan,China in late December. Is Travel Insurance necessary? I know, it's good to have but got to spend a few more hundred dollars. Do you frequent travelers always take up such Insurance? Your views, please. |
bk T (215) | ||
| 1453581 | 2018-09-13 21:45:00 | Absolutely essential to have travel insurance. A couple of years ago my good friend and I booked to go to Scotland and Italy. Six months later she was diagnosed with bowel cancer ( and I was the one with some well controlled health issues - she had none). Three months later she was dead. So yes - Travel Insurance is an essential. And I had to fight to get my money back. �� |
R.M. (561) | ||
| 1453582 | 2018-09-13 21:50:00 | Thanks, R.M. I haven't done any homework yet, generally, are there different types of travel insurance coverage or just a plain one? |
bk T (215) | ||
| 1453583 | 2018-09-13 21:52:00 | As long as you dont get sick/injured, or have luggage stolen/lost , then you dont need it. If you dont mint being stuck overseas , unable to get home , unable to get hospital treatment due to costs . |
1101 (13337) | ||
| 1453584 | 2018-09-13 22:21:00 | I'm surprised you even need to ask. Do you watch/listen to/read the news? |
allblack (6574) | ||
| 1453585 | 2018-09-13 22:36:00 | Like all insurance it is legalised gambling. You are betting that you will die/become ill/suffer some other disaster and they are betting that you will not. The irony is that you hope that the insurance company wins its bet and you lose. Having insurance is nevertheless the prudent way to go. It might be an anoyance to lose your luggage but becoming ill for any reason could well be a complete personal financial disaster. |
CliveM (6007) | ||
| 1453586 | 2018-09-13 23:53:00 | Shop around for costs. The AA has a great plan :) |
Zippity (58) | ||
| 1453587 | 2018-09-14 01:00:00 | I am planning a holiday trip to Singapore/Hongkong/Hainan,China in late December. Is Travel Insurance necessary? I know, it's good to have but got to spend a few more hundred dollars. Do you frequent travelers always take up such Insurance? Your views, please. This is something you need to weigh up very carefully. First rule for me is: “Do they have reciprocal hospital care with NZ?” I would say no in your case, but you still need to check. The cost of Hospital care in some countries is horrendous. Next consideration is: “Do you have any existing health conditions?” The Insurance Company hopes you say no and pay the lower premium. That way they can walk away when they seek your Medical Records and find you have. If you declare everything you will probably find the premium is horrific but getting quotes is worthwhile and an interesting exercise. Don’t forget to check the “Excesses” when doing your sums. I had a case where Customs didn’t put some perfectly legitimate pills back in my bag so I went to a Chemist (Australia) who couldn’t help without a prescription so off to the local Doctor. No problem, $70 later off back to the Chemist and another $70 later we have the pills. Ok, I had insurance so put in a claim when I got home for the Doctors & Chemists fees, only to be told that it didn’t come under my medical insurance it was lost property and there was a $100 excess on lost property. Then there was a mate of mine who is as fit as a buck rat and twice as dangerous, who travelled to Australia for a look around. He didn’t bother with any insurance as if he became seriously ill and needed Hospital treatment it would be free under our reciprocal arrangements and NZ is only 3hrs away if he needed any other care. What he didn’t count on was having a road accident and winding up in hospital. No problem, the rental car was covered and he was treated and discharged from hospital in a couple of days, but what wasn’t covered was the $800 ride in the Ambulance. :eek: As for lost baggage I’ve always calculated that I could buy a new Suitcase and wardrobe with the Insurance Premium. Just don’t take Gold or Diamonds. :) Safe Travel. :thumbs: |
B.M. (505) | ||
| 1453588 | 2018-09-14 01:01:00 | You will need to disclose any recent or pre-existing health conditions Insurance isnt a charity, they will use the 'fine print' to get out of paying if the cost to them is going to be huge Better safe than sorry . Thats what happened in the recent Bali case mentioned above . She had insurance . Insurance wouldnt cover her costs . www.radionz.co.nz |
1101 (13337) | ||
| 1453589 | 2018-09-14 01:07:00 | Southern Cross seems reasonable and has a good reputation. I've gone through them a couple of times, but have not had to claim. I know a couple of my mates have had to make claims, it gets very expensive very quickly! | Laggard (17509) | ||
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