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Topic # 114717 28-Feb-2013 13:43
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I have been reading the policy document.  Just curious. 

1.  It says that risky places classified by the govt or any acts of things like military, terrorist are not covered directly or indirectly.  I heard that and understand if you were in London or Bangkok "already" at that time before issues broke loose, and had to come home early, you had to pay yourself.  But what happens if you are there and your hotel room was broken into or if you were in a different city of that country?  Just wondering if this exclusion is a blanket cover because it is under the "general exclusions". 

2.  Due to the excess it's only plausible if your travel has been delayed more than 1 night.  But anyway, these things are not classified as "emergency" so you don't have to ring the hotline first.  They may say $200 excess and they will only pay $250 max per night/day.  What is the guideline in terms of hotel selection?  I would think that you cannot book the fanciest place ie. you pay $200 excess and they pay $300.  Or do you just go to a 3 star or the holiday inn or maybe just a motel?


Cheers.

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  Reply # 771699 28-Feb-2013 13:47
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In all seriousness I wouldn't listen to any advice that anybody on here gives you! Smile

Best bet is always to ask your insurance company..



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  Reply # 771702 28-Feb-2013 13:53
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There will be a number to call or collect call if you are overseas look at the back of your card



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  Reply # 772254 1-Mar-2013 13:00
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I gave them a call ... they got a bit annoyed maybe with the curly questions LOL. 

FYI and those others.  It's excess per section so if you got assaulted and your bag lost.  It means 2x excess to pay when they say per claim.  1 for the medical and another for the personal items but if you lost a phone and a laptop it's just one claim for that personal item(s). 

Yeah .. I read on the past here.  If Bangkok had that military protest thing.  And you cannot get home, you had to buy another ticket even thou you were there before it broke apart.  I think normal travel insurance don't have that. 

When I asked about accom - they call it reasonable.  Which is if you purchased backpacking only .. they would only provide backpacking accom for you which obviously the excess is more than that so you fork it yourself.  What I read is that normal insurance may provide skiing and even bungy maybe under a licensed operator, the cards may exclude those it may provide skiing but it says only normal piste skiing, not other stuff even within the boundary.  Maybe ok for a general sightseeing holiday and the like ...

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  Reply # 772274 1-Mar-2013 13:50
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I always register on the DIA website when travelling abroad for lengths at a time.
The DIA website also shows you the current hotspots.

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  Reply # 772277 1-Mar-2013 13:59
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rayonline: I gave them a call ... they got a bit annoyed maybe with the curly questions LOL. 

FYI and those others.  It's excess per section so if you got assaulted and your bag lost.  It means 2x excess to pay when they say per claim.  1 for the medical and another for the personal items but if you lost a phone and a laptop it's just one claim for that personal item(s). 

Yeah .. I read on the past here.  If Bangkok had that military protest thing.  And you cannot get home, you had to buy another ticket even thou you were there before it broke apart.  I think normal travel insurance don't have that. 

When I asked about accom - they call it reasonable.  Which is if you purchased backpacking only .. they would only provide backpacking accom for you which obviously the excess is more than that so you fork it yourself.  What I read is that normal insurance may provide skiing and even bungy maybe under a licensed operator, the cards may exclude those it may provide skiing but it says only normal piste skiing, not other stuff even within the boundary.  Maybe ok for a general sightseeing holiday and the like ...


That's not very nice of them how else would you find out. Also this does not apply to every good card s policy they are all different

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  Reply # 772282 1-Mar-2013 14:12
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So, ask yourself this. You have a severe medical emergency requiring surgery and fairly quick payment. 

How do you arrange this if you only have gold-card insurance? 

At the hospital, they ask for your insurance provider and your policy number and the hospital will take care of the rest. 

But, with CC insurance you don't have a policy number. 

So how do you validate to the hospital that you have insurance, in the middle of a medical emergency? Insurance is activated if you buy your airfare on your card, but , who knows if you took the correct steps to be eligible? 

Then, you ring your 'hotline' number, and speak to some american who has no idea what you're talking about and hangs up. So, you call back, and they transfer you somewhere for 10 minutes and you are disconnected again.   

If you have a true medical emergency, insurance via credit card is a massive headache.

 I was on the phone off and on (to americans, nz'ers, and australians)  for nearly 12 hours trying to get someone from the insurance company to step up and say they would cover my daughter so she could be released from hospital . It was ridiculous, my daughter was undergoing surgery and I was on the phone to someone from nz going over my credit card statements from a year ago. 

While it worked out eventually, next time I'll pay for normal travel insurance. Not worth the hassle. 


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  Reply # 772311 1-Mar-2013 15:01
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Hmm ...



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  Reply # 772323 1-Mar-2013 15:25
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Thru my reading ... I cannot recall normal travel insurance having these conditions but ... from the 2 gold cards (diff bank), they both said that private hospital is used only when public hospital is not available or there is not govt reciprocal agreement.  Also with car rental where available you need to purchase all comprehensive cover and waivers from the car rental company anything not available or left over does the CC (these two cards here at least) covers. 

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  Reply # 772327 1-Mar-2013 15:28
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rayonline: Also with car rental where available you need to purchase all comprehensive cover and waivers from the car rental company anything not available or left over does the CC (these two cards here at least) covers. 


That being the case, it would be cheaper in many instances to just buy travel insurance for the trip..

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  Reply # 772531 2-Mar-2013 00:19
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rayonline:  Also with car rental where available you need to purchase all comprehensive cover and waivers from the car rental company anything not available or left over does the CC (these two cards here at least) covers. 


bnz platinum card just says comprehensive cover required when you hire car. Not that you have to buy out six levels of insurance: https://www.bnz.co.nz/personal-banking/insurance/travel-insurance/platinum-card-international-travel-insurance

some reading here on credit card rental car coverage: http://www.ricksteves.com/plan/tips/carrental_cdw.htm




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  Reply # 773563 2-Mar-2013 10:09
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Ok so that card is a bit kinder .. it also has a section on due diligence which is absent in some of the other cards. 

I wondered if there is no due diligence section maybe they refer to the ombudsman ... I don't use rental cars abroad but the section on dangerous/hazardous sports says including but not limited to which could be for interpretation.  Even thou I asked about skiing, skiing isn't listed so even if it was groomed piste areas within boundary what about if that changes in the future.  It's not specified in writing at least.  What about ice skating as an eg which can be found in many malls.  It also mentions precaution not taken to avoid matters which has been reported in mass media.  Just saying .. 7 Sharp reported that in Bali many drinks are made by dodgy ways and sold to most eateries/bars, could they be anal with that also ..  

Interesting someone noted about the bedridden eg .. with no policy number.  I read online they suggest people to attach their policies with their passports in case you are denied or delayed treatment. 

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