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BaanOz

Using Credit Card Travel Insurance?

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Ahab    669
4 hours ago, scubascuba3 said:


Such as what? What small print was used to deny a claim?

The only dubious part is pre-existing medical conditions. I checked a few quotes last week it asked if i had symptoms within last 2 years. 2 years is ok, others didn't have a cut off so i had asthma as a child may count...not sure.

So basically I had to use travel insurance to cover a five day stay in the hospital during a previous trip to Thailand. This was due to an Internal infection likely caused from eating contaminated food ( not pre-existing). I submitted my claim, and was then told that before being able to use the travel insurance I had to claim it on my insurance first (I had two separate health insurances at the time). It was not covered by either. After two or three months of getting the runaround it was less stressful to just eat the bill ($600 USD) than deal with damn travel insurance company. An expensive lesson, but one that will be remembered for the rest of my life, Travel insurance is a rip-off, read the fine print.

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hawker9000    3,965
On 5/2/2017 at 9:52 PM, tonray said:

It could work but you must have the money up front to pay for any incidents. For example, if you need major hospitalization in Thailand, they will not allow you to leave hospital until the bill is paid. Only then can you file a claim for re-reimbursement to your insurance from the card.

 

A major event could cost you a lot of cash up front.

They won't "allow you to leave"?  Anywhere else they'd call that kidnapping.

 

There's no excuse for not paying IMO, but it would be fun watching them just try to keep me prisoner.

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scubascuba3    732
So basically I had to use travel insurance to cover a five day stay in the hospital during a previous trip to Thailand. This was due to an Internal infection likely caused from eating contaminated food ( not pre-existing). I submitted my claim, and was then told that before being able to use the travel insurance I had to claim it on my insurance first (I had two separate health insurances at the time). It was not covered by either. After two or three months of getting the runaround it was less stressful to just eat the bill ($600 USD) than deal with damn travel insurance company. An expensive lesson, but one that will be remembered for the rest of my life, Travel insurance is a rip-off, read the fine print.

I've read that before about insurer's not paying because you already have some kind of cover. Seems reasonable to me but just proves you have to get into the detail when getting insurance.

 

You just need to cover all bases so when they try to decline, you are covered.

 

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Ahab    669
10 hours ago, scubascuba3 said:

I've read that before about insurer's not paying because you already have some kind of cover. Seems reasonable to me but just proves you have to get into the detail when getting insurance.

 

You just need to cover all bases so when they try to decline, you are covered.

 

Agree 100%, in my case it was easier and less stressful to eat the cost of the hospital stay. What is the point of buying travel insurance if they don't pay for things that occur while traveling. Instead they make you engage the bureaucracies of two other insurance companies before even beginning to consider your claim. I'm my opinion, based on my experience, I am very unlikely to ever buy it again. I bought the insurance through one of the online travel websites (i.e. Expedia, Orbitz) based on what the insurance covered, I did not read through the claim procedures (and I am likely not the only person that did not read that far into the fine print).

 

If it makes you feel good buy travel insurance, I will likely not.

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BaanOz    9
Posted (edited)
On 03/05/2017 at 8:10 PM, rickudon said:

I would read your insurance details very carefully. I can get free insurance from my bank for 12 months, but it doesn't cover a 12 month trip. Usually there is a single trip limit of 4-6 weeks.

 

If going for longer periods, search for 'Long stay travel insurance'. This will cover for a single trip of a duration of up to a year or more. However you usually need to have been resident in the country you buy it from for at least 6 months, so doesn't work on a annual renewable basis.

Thanks, I had a good look at the PDS and the bit that covers the length of time is below. It's 12 months for a Diamond cardholder...
 

Quote

The journey ends when the first of the following occurs:
a] for Base Cover, 3 months after the date of departure shown on a Gold personal and business
cardholder’sreturn overseas travel ticket, (6 months for Platinum personal and business cardholders,
or 12 months for Diamond cardholders)

 

What I think is the fly in the ointment for long term is this:
 

Quote

You  must co-operate at all times in relation to providing supporting evidence and such other information that may  reasonably be required. Depending on the insurance cover  you  are claiming under, this might include (but is not limited to)  any of the following:
– proof of your  residential status;


I know in Australia you can be classed a non-resident after 183 days if you have no house/accounts etc in Australia. I'm thinking we would get away with this (credit card insurance)  just once as later we would probably become be non-residents. Maybe use this insurance for a year (we have no pre-existing problems) then research and get local heath insurance after a year.

About travel insurance and claiming that is mentioned above. The only experience with that is once in over 25 years I made a claim and it was paid no worries. Dropped a mobile phone while in Thailand. Busted and and it was replaced, no problems.

Edited by BaanOz

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gk10002000    2,844

credit card insurance is usually not much for medical.  They may cover some accident health coverage, but unless there are special provisions, none of the cards I am familiar with do much for standard non accidental health coverage.  And I doubt any do any sort of direct payment in any case. 

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BANGKOK 21 September 2017 01:03
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