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JoJames 
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Joined: 11 August 2008
Location: Te Puke
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 Topic: Travel Insurance
Posted: 11 February 2009 at 4:51pm |
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Has anyone found a good one? The travel agent tried to sell us one that was over $1000 when Southern Cross only costs $500. Is there anything I should be looking for when researching Travel Insurance? TIA
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Bobbie
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Joined: 01 January 1900
Location: North Shore Auckland
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Posted: 11 February 2009 at 5:01pm |
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Hmm I always get mine from ASB but that's just because I'm lazy and it's easy to do when I get my Foreign Exchange.
I'm sure the 'travel girls' on this board will be along soon to help you out but it would probably depend on which country you're going to so you could check out any disclaimers for terrorism etc.
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Red
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Location: West Auckland
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Posted: 11 February 2009 at 5:05pm |
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I always use the Southern Cross one cos it is cheaper than most others I have looked at being a member and all. I always look to see that if we are hiring a car that the excess is covered cos rental cars have like a $2K excess!
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Emily281
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Location: Christchurch
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Posted: 11 February 2009 at 5:13pm |
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We always go through Southern Cross because we are members so get a discount. But I would say the things you want to look at are what they cover, what their excess is and what activities are excluded (eg Skydiving). Some insurance policies will also cover you if something happens before you leave and you have to cancel flights - they will help with the cost of changing dates etc. Not sure if that's here but my SIL had to change her flights once due to FIL falling and breaking his hip and the travel insurance covered it. But at the end of the day I think you get what you pay for so if you want/need all the bells and whistles you may end up paying more.
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Hopes
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Posted: 11 February 2009 at 5:57pm |
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We went through State for our trip to America next month - I did heaps of looking round before getting that one. It had everything I wanted, and was one of the cheaper ones too.
Hopefully we won't be able to report on how good they are at paying out!!!
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mummy_becks
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Posted: 11 February 2009 at 6:08pm |
Last time I went overseas I didn't get it  , but I was only going back to Oz and mum and dad have us all on medicare over there.
Where are you going for it to be that much. I did look at insurance for us when we went over and it was only $45 for 2 weeks to Oz for me and the boys. That was Southern X.
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MrsH
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Posted: 11 February 2009 at 6:33pm |
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Try this link:
http://aigtravel.co.nz/aig/default.aspx
AIG are one of the big Travel Insurance players in the Commercial insurance market and also do Leisure Travel cover (which this link is for).
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gossamer
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Joined: 06 February 2009
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Posted: 11 February 2009 at 7:18pm |
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I would contact QBE directly for a travel insurance quote, or depending who you are booking with, they may sell you a QBE policy..well priced and they are fantastic.
I work in travel and one thing I have realised is that travel insurance is absolutely essential, regardless of ANY other arrangement...e.g. the reciprocal agreement we have with Aus is just not sufficient cover...
Hmm should probably mention I dont work for any insurance company!! I just have seen so many cases where travel insurance would have solved the whole situation..
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JoJames
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Posted: 11 February 2009 at 7:39pm |
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We're going to the States for 6 weeks, I think the US is the most expensive cover anyway.
But it just doesn't make sense that AIG costs $1000 and State and Southern Cross only cost $500. Southern Cross covers my DH's preexisting condition without a medical exam which is good.
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JoJames
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Posted: 11 February 2009 at 7:41pm |
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Thanks for that tho, QBE looks like it is only for businesses
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linda
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Posted: 11 February 2009 at 8:16pm |
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JoJames, if you PM me your details I'll get a cost with IAG. Am a travel agent and that is who we use. Can't imagine it would cost $1,000.
Will need - dates,destination, who is travelling and ages. And that should be enough to get a cost
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JoJames
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Posted: 11 February 2009 at 8:46pm |
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Cool thanks I've PMed you
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Chickaboo
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Posted: 11 February 2009 at 9:49pm |
 JoJames wrote:
We're going to the States for 6 weeks, I think the US is the most expensive cover anyway.
But it just doesn't make sense that AIG costs $1000 and State and Southern Cross only cost $500. Southern Cross covers my DH's preexisting condition without a medical exam which is good. |
I got mine with BNZ and for 7 weeks holiday (6 wk Uk and 1 week usa) it was under $500.
BNZ Travel insurance
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sweetpea
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Posted: 12 February 2009 at 9:51am |
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Have you tried comprehensive they have a website. Its what we sell our clkients and seems to be quite resonable. We used it when we went to UK for a month i can't remember how much it cost though as it was nearly 3 years ago.
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Redbedrock
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Posted: 12 February 2009 at 2:29pm |
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columbus.co.nz ( I think) always comes up with competitive prices for us, with or without US travel. Might be worth a look
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Travel Insurance
