Pondering Travel Insurance
I wonder what the gotchas are and what is important.
I know I need coverage for skiing and I think the main thing is medical cover.
| WHO | Standard | Enhanced | |
| RACQ | $230 + $148.08 Ski $357.90 |
$382 + $244.97 Ski $592.10 |
|
| ... | Excess $250
Ski |
Excess $250 | |
| ... | Cancellation $25000 Overseas Medical $unlimited** Overseas Dental $2000 Luggage $7 500 COVID-19 No Rental Car Excess $4000 |
Cancellation $unlimited Overseas Medical $unlimited** Overseas Dental $unlimited** Luggage $15,000 COVID-19 Limited Rental Car Excess $8000 |
|
| COMBANK Covermore |
$230 Base $347 No COVID |
$308 Base + Snow $157 $465 Incidentally Unlimited Cancellation is +$241 Which pushes it up to $706 If one selects $10k the premium is $104 NO Covid | |
| NIB |
383 |
439+154.45 = $593.45 |
|
| Covermore |
303 360 |
Base $464 = $774 + Snow $310 or Snow Plus $434 Ouch No Heli Heli | |
| WHO | Standard | Enhanced |
| RACQ | $357.90 | $592.10 |
| ... | Excess $250
Ski |
Excess $250 |
| ... | Cancellation $25000 Overseas Medical $unlimited** Overseas Dental $2000 Luggage $7 500 COVID-19 No |
Cancellation $unlimited Overseas Medical $unlimited** Overseas Dental $unlimited** Luggage $15,000 COVID-19 Limited |
| COMBANK | $347 | $465 |
| WHO | Standard | Enhanced |
| WHO | Standard | Enhanced |
TUH $501.22
Underwritten by Allianz
QBE $595.12
It would appear QBE no longer sell travel insurance and they have sold it to NIB
NIB
https://www.nibtravelinsurance.com.au/
RACQ
Now with COVID-19 Benefits
Premium
Regular Price
$696.58
Member Price
$592 .10 | Choose your excess | |
| Going on a Cruise?~ |
| Ski/Winter Sports?~ |
- ~you must pick the relevant option to have cover
Standard
Regular Price
$421.07
Member Price
$357 .90 | Choose your excess | |
| Going on a cruise?~ |
| Ski/Winter Sports?~ |
- ~you must pick the relevant option to have cover
- Cancellation #$25,000
- Overseas Medical$unlimited**
- Overseas Dental #$2,000
- Luggage #$7,500
- COVID-19Not Applicable
Saver
Regular Price
$158.69
Member Price
$134 .88 | Choose your excess | |
| Going on a cruise?~ |
- ~you must pick the relevant option to have cover
- Cancellation #Not Applicable
- Overseas Medical$unlimited**
- Overseas Dental #$500
- Luggage #$2,000
- COVID-19Not Applicable
Quote SummaryPremium
Total
$592.10
- Multiple +
- From13/02/2024
- To22/03/2024
- Duration38 days
- Age of Travellers61
- RACQ MemberYes
- Premium Policy$445.40
- $250 Excess0.00
- Cruise0.00
- Skiing$244.97
- Membership Discount-$103.55
- GST0.00
- Stamp Duty$5.28
Total
$592.10
Benefit | Premium | Standard | Saver |
|---|---|---|---|
| Cancellation Fees and Lost Deposits# - Unforeseen Circumstances# | $unlimited^^ per Adult | $25,000 per Adult | Not Applicable |
| Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative# | $1,000*** per Adult | $1,000*** per Adult | Not Applicable |
| Travel Agent Fees | $4,000 per Adult | $2,000 per Adult | Not Applicable |
| Overseas Medical and Hospital | $unlimited** per Adult | $unlimited** per Adult | $unlimited** per Adult |
| Cash in hospital# | $6,000 per Adult | $3,500 per Adult | $1,500 per Adult |
| Overseas Dental # | $unlimited** per Adult | $2,000 per Adult | $500 per Adult |
| Funeral Expenses Overseas* | $20,000 per person | $15,000 per person | $10,000 per person |
| Luggage # | $15,000 per Adult | $7,500 per Adult | $2,000 per Adult |
| Travel Documents | $5,000 per Adult | $1,500 per Adult | Not Applicable |
| Luggage Delay | $750 per Adult | $500 per Adult | Not Applicable |
| Personal Money | $500 per Adult | $250 per Adult | Not Applicable |
| Emergency Expenses# | $unlimited^^ per Adult | $25,000 per Adult | $5,000 per Adult |
| Resumption of Travel | $5,000 per Adult | $1,500 per Adult | Not Applicable |
| Emergency Expenses for Death, Injury or Illness of Your Relative, Travelling Companion or Your Travelling Companion’s Relative | $5,000*** per Adult | $1,500*** per Adult | Not Applicable |
| Special Events | $5,000 per Adult | $2,000 per Adult | Not Applicable |
| Accidental Death* | $25,000 per person | $15,000 per person | Not Applicable |
| Accidental Disability* | $25,000 per person | $15,000 per person | Not Applicable |
| Your Legal Liability | $10,000,000 per Adult | $10,000,000 per Adult | $10,000,000 per Adult |
| Rental Car Excess# | $8,000 per policy | $4,000 per policy | Not Applicable |
| Loss of Income from Injury# | $10,400 per Adult | $5,200 per Adult | Not Applicable |
| Financial Default# | $10,000 per Adult | $5,000 per Adult | Not Applicable |
| Domestic Pets^# | $650 per policy | Not Applicable | Not Applicable |
| Domestic Services^# | $1,500 per policy | Not Applicable | Not Applicable |
| Travel Delay# | $3,000 per Adult | $1,500 per Adult | Not Applicable |
| Hijack and Kidnap*# | $10,000 per person | $5,000 per person | Not Applicable |
| Optional Cover – Ski and Winter Sports - Overseas Medical and Hospital | $unlimited** per Adult | $unlimited** per Adult | Not Applicable |
| Optional Cover – Ski and Winter Sports - Equipment Hire^ | $2,000 per policy | $1,000 per policy | Not Applicable |
| Optional Cover – Ski and Winter Sports - Ski Pack^ | $1,000 per policy | $500 per policy | Not Applicable |
| Optional Cover – Ski and Winter Sports - Piste Closure^# | $1,000 per policy | $500 per policy | Not Applicable |
| Optional Cover – Ski and Winter Sports - Bad Weather and Avalanche^ | $1,000 per policy | $500 per policy | Not Applicable |
| Optional Cover – Ski and Winter Sports - Lift Pass | $500 per Adult | $250 per Adult | Not Applicable |
| COVID-19 Overseas Medical and Hospital Emergency Expenses# | $Unlimited** | Not Applicable | Not Applicable |
| COVID-19 Cancellation Fees and Lost Deposits | $3,500 combined limit per Adult | Not Applicable | Not Applicable |
| COVID-19 Additional Expenses# and Special Events | $3,500 combined limit per Adult | Not Applicable | Not Applicable |
| COVID-19 Travel Delay# | $3,500 combined limit per Adult | Not Applicable | Not Applicable |
#Limits and sub-limits apply
^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.
** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.
*This cover is per person listed in your policy
^This cover is per policy
^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.
** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.
*This cover is per person listed in your policy
^This cover is per policy
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