My wife and I are travelling to the UK next June (with 2-day stopovers in Dubai on the way out, and Sydney on the way back), with my father-in-law, and we're in the process of booking the major flights.  Our travel agent has recommended their travel insurance supplier, Allianz Global, and given us a quote.  My father-in-law, who is 74 and has some medical issues, has looked into other providers for a different quote, and got one from TravelSure through Flight Centre.


I've spent a bit of time comparing the policies of the two, but it quickly gets confusing when they use different terms, or the level of coverage is slightly different for different things.  So I did the rational thing and consulted Consumer magazine.  They had an article from June 2010 which compared a lot of different travel insurers for different "profiles."  It didn't seem to tell me much, other than one insurer is much like another. But it did suggest that Gold credit cards often offer travel insurance which is worth looking at.

I'm looking from advice from the knowledgeable Geekzone folk about the best way to proceed.  Has anyone had any horror stories with either Allianz (House of Travel) or TravelSure (Flight Centre) or using credit card-supplied travel insurance?  What pitfalls should I be looking for?  Which way would you go?

Cheers

Lizard