Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.




32 posts

Geek


# 106303 21-Jul-2012 15:20
Send private message

I will be going to Japan for a few months and have done some searching around for travel insurance.
1Cover definitely seems to be the cheapest, but I was also wondering whether any of you guys have any experience with them?

I also found out my bank can provide travel insurance, but I have to call them for a quote, and I'm sure it won't be cheaper than 1Cover.

One other thing I'm wondering about is should I get the travel insurance asap? And does it matter whether I purchase it before or after my flights?

View this topic in a long page with up to 500 replies per page Create new topic
 1 | 2
1304 posts

Uber Geek
+1 received by user: 273


  # 659581 21-Jul-2012 15:54
Send private message

If you have a credit card that offers travel insurance (or that can be upgraded to this) you may find this is all you need. Check with your bank.
The free cover offered by some credit card companies kicks in as soon as you buy your tickets with it. 

1673 posts

Uber Geek
+1 received by user: 283

Subscriber

  # 659594 21-Jul-2012 16:48
Send private message

jacli: I will be going to Japan for a few months and have done some searching around for travel insurance.
1Cover definitely seems to be the cheapest, but I was also wondering whether any of you guys have any experience with them?

I also found out my bank can provide travel insurance, but I have to call them for a quote, and I'm sure it won't be cheaper than 1Cover.

One other thing I'm wondering about is should I get the travel insurance asap? And does it matter whether I purchase it before or after my flights?


Check what is and is not included with one cover.  It depends where you go as to the cover required and also what you plan to do.  You dont want any suprises if you were to say fall off of a scooter.

Also YES get it NOW!  If something happens in the country you have booked for they may not cover you for the trip.  A prime example of this happened to us last year during the Thailand floods, insurance companies wouldnt cover anyone (for flood related claims) who booked their insurance after it was clear floods were a problem irrespective of when you booked flights hotels etc.

 
 
 
 


3183 posts

Uber Geek
+1 received by user: 1643


  # 659602 21-Jul-2012 17:03
Send private message

1. Get it ASAP

2. Make sure you read ALL conditions of the insurance. Don't just compare price as you may not be comparing apples with apples




Always be yourself, unless you can be Batman, then always be the Batman



BDFL - Memuneh
63871 posts

Uber Geek
+1 received by user: 14333

Administrator
Trusted
Geekzone
Lifetime subscriber

  # 659627 21-Jul-2012 17:22
Send private message

Elpie: If you have a credit card that offers travel insurance (or that can be upgraded to this) you may find this is all you need. Check with your bank.
The free cover offered by some credit card companies kicks in as soon as you buy your tickets with it. 


Some cards require you to buy your tickets and pay for accommodation before you are covered.

I always used State Insurance, and bought online. And got FlyBuys directly into my Air NZ account with that ;)





151 posts

Master Geek
+1 received by user: 23


  # 659629 21-Jul-2012 17:33
Send private message

On a different but related point, I recently learned that my travel insurance will cover me for any car-hire while I am travelling. Which means I won't need to take the expensive insurance option which sometimes doubles the price of car rental Cool

27978 posts

Uber Geek
+1 received by user: 7461

Moderator
Trusted
Biddle Corp
Lifetime subscriber

  # 659632 21-Jul-2012 17:36
Send private message

You want to get the insurance ASAP so you're covered from the minute you pay for your tickets.

Don't just compare price, no two policies are the same.

cb1

269 posts

Ultimate Geek
+1 received by user: 15


  # 659641 21-Jul-2012 18:04
Send private message

2 other options to look at -
State insurance has a 15% discount if you use an Ezycoupon voucher code RSDB2012 - valid till 306/13
If you already have medical insurance with Southern Cross, they offer a member discount as well as one for getting it online

Had a incident a few years ago with a Hertz rental car in England. Hertz weren't interested that the other party was at fault - just wanted their excess paying. I claimed it off my travel travel insuranec, but had to pay their excess.

Have fun in Japan.




cb

 
 
 
 




32 posts

Geek


  # 659698 21-Jul-2012 20:39
Send private message

Thanks for the replies guys.

It seems like 1Cover has a really bad policy for lost/stolen luggage, because they decide and charge the amount of depreciation.
I will look into the policies of my bank, State, and Tower.
Thanks again Laughing

894 posts

Ultimate Geek
+1 received by user: 32


  # 659703 21-Jul-2012 21:24
Send private message

I used southern cross travel insurance on my last trip to Europe.

They covered my Galaxy S II I lost over there and cover skiing and a number of pre existing conditions as well.

Get it ASAP as I was waisting time getting quotes from travel companys due to needing cover for expensive hearing aids and due to the time I bought it I missed out on being able to claim for my lost flights and accommidation from my side trip to Bangkok that was canned due to the flooding at the time.

Dion

4525 posts

Uber Geek
+1 received by user: 881

Trusted
Lifetime subscriber

  # 659741 21-Jul-2012 23:20
Send private message

My vote will be for Southern Cross





1599 posts

Uber Geek
+1 received by user: 39


  # 660035 22-Jul-2012 19:49
Send private message

I agree check the conditions etc.

Credit cards tend to have more conditions and maybe higher excess charge.  Also depending on the price of the tickets, BNZ for eg .. sets a min price for the tickets, if they were super cheap insurance may not be activated.  Also check if the credit card is able to insure you for the 3 months period. 

gzt

10815 posts

Uber Geek
+1 received by user: 1810


  # 660040 22-Jul-2012 20:14
Send private message

Reading the small print of all those policies is painful and time consuming. Southern Cross have a small print condition that you must access a public service where one is available. Probably not a decider for Japan - unless you are doing side trips elsewhere. In some places you might get less medical service from a public system in comparison to NZ.



32 posts

Geek


  # 660332 23-Jul-2012 12:38
Send private message

Thanks for all the replies guys. It seems Southern Cross has one of the better policies, and its a plus that they're a non-profit organisation.

I don't currently have health insurance with them, and I feel kind of bad for considering this, but is there any reason why I shouldn't join a cheaper plan with them to get the 15% member's discount for my travel insurance?

815 posts

Ultimate Geek
+1 received by user: 115

Lifetime subscriber

  # 660342 23-Jul-2012 12:54
Send private message

I assumed my credit card would cover me for all travel.

Bought some Air NZ tickets for travel in 3 weeks in NZ and waived the insurance.

Discovered afterwards that my credit card only covers international travel.

Can't buy travel insurance now... risk is pretty low.... except with the 'flu getting around...

Cheers







Gordy


225 posts

Master Geek


  # 660343 23-Jul-2012 12:55
Send private message

McNulty: On a different but related point, I recently learned that my travel insurance will cover me for any car-hire while I am travelling. Which means I won't need to take the expensive insurance option which sometimes doubles the price of car rental Cool


I get insurance for car hire too with travel insurance, provided that the car company don't offer it. If they do offer it (which they always do), the car insurance from the travel insurance is void. Are you sure you are covered? Who is the travel insurance with?

 1 | 2
View this topic in a long page with up to 500 replies per page Create new topic



Twitter and LinkedIn »



Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Dunedin selects Telensa to deliver smart street lighting for 15,000 LEDs
Posted 18-Jul-2019 10:21


Sprint announces a connected wallet card with built-in IoT support
Posted 18-Jul-2019 08:36


Educational tool developed at Otago makes international launch
Posted 17-Jul-2019 21:57


Symantec introduces cloud access security solution
Posted 17-Jul-2019 21:48


New Zealand government unveils new digital service to make business easier
Posted 16-Jul-2019 17:35


Scientists unveil image of quantum entanglement
Posted 13-Jul-2019 06:00


Hackers to be challenged at University of Waikato
Posted 12-Jul-2019 21:34


OPPO Reno Z now available in New Zealand
Posted 12-Jul-2019 21:28


Sony introduces WF-1000XM3 wireless headphones with noise cancellation
Posted 8-Jul-2019 16:56


Xero announces new smarter tools, push into the North American market
Posted 19-Jun-2019 17:20


New report by Unisys shows New Zealanders want action by social platform companies and police to monitor social media sites
Posted 19-Jun-2019 17:09


ASB adds Google Pay option to contactless payments
Posted 19-Jun-2019 17:05


New Zealand PC Market declines on the back of high channel inventory, IDC reports
Posted 18-Jun-2019 17:35


Air New Zealand uses drones to inspect aircraft
Posted 17-Jun-2019 15:39


TCL Electronics launches its first-ever 8K TV
Posted 17-Jun-2019 15:18



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.