I read a report a few days ago that put southern cross and another company first equal - I forget the other one. I tend to use my ASB Platinum credit card travel insurance, though I hear it can be more limited I read the policy and it seems ok...
Anyone know which travel insurance policies pay the fees (hospital etc.) direct rather than me having to pay and then claim back? Its a real pain plodding through all the fine print. I found this tip on Geekzone... :)
Small tip for those travelling to the US. Before you go ask your insurance provider, and this can include 'free' c/card cover, for a letter or email confirming that you have travel insurance and carry it with you. Not sure if it's true (and fortunately didn't have to find out) but I read somewhere that some hospitals or other medical providers in the US will not treat you until you can prove to them that you do have insurance cover. I asked AIG, underwriter for my BNZ gold card insurance for this and they were happy to oblige. I kept an electronic copy of it on Google docs so I could access on my phone anywhere/antyime. (Actually, I do this with all related documents, passport scans, travel itineraries/e-tickets, attraction admittance vouchers etc.)
Thanks for that tip. My trip is a little complex, as I am holidaying for a few weeks in the USA and then heading to Amsterdam to work. At the moment only Southern Cross seem to have an obvious 'working overseas' policy. But a little annoyingly they require me to buy a holiday policy for the holiday part, then the working cover for the working part.
I have an annual business policy through ACE. Covers all my NZ and international travel with no need to keep informing them I am away etc and since it is a business policy there are no issues with whether I work or not. Costs around $750 a year.
I'm wondering if I can simply get an annual holiday policy, and then switch to a working policy/buy health insurance proper when I find a job. After all, I guess if you are overseas you are on "holiday" until you actually start working. Just need to find one that will cover me for long enough (3-4 months).
I have only used Southern Cross, they covered my Doctors visit in Hungary and a lost phone. These are things you have to look out for, I remember when a person died in a scooter accident in Thailand and they would not repatriate the body as the insurance did not cover using a scooter.
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