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Forums Archive Travel Before you go Using Credit Card Travel

Insurance
clarktek ForumRegular

So alot of you may know that alot of premium/plantium Credit Cards oer Free Travel Insurance if O.P.
you purchase your ight(s) on them, so my question is are these travel insurance safe just to have
these with no other insurance or should i be going out of my way and purcashing travel insurance by
it self? Im looking at a 15 day Trip to US?

Any advise/ideas would be great. Cheers.

ref:whrl.pl/Rezjzf posted2016Mar7,9:36amAEST

macmaddog WhirlpoolForumsAddict

Nothing in life is free. You will be either paying for the insurance through card fees or the quality of
the product will be low. Which one it is, you are probably not going to know until your try to make a
claim.

Ask yourself this question: After an accident, do you want to be worrying about whether your credit
card supplied insurance is going to cover a medical bill that might accrue at a rate of $100,000 per day
instead of shelling out a relatively small amount for your own insurance with a reliable provider?

ref:whrl.pl/Rezjz4 posted2016Mar7,9:41amAEST

clarktek ForumRegular

macmaddog writes... O.P.

Ask yourself this question: After an accident, do you want to be worrying about whether your
credit card supplied insurance is going to cover a medical bill that might accrue at a rate of $100,000
per day instead of shelling out a relatively small amount for your own insurance with a reliable
provider?

This is very true. I'll have to have a very good read over the PDS.

ref:whrl.pl/RezjCN posted2016Mar7,9:59amAEST

jackski WhirlpoolEnthusiast

macmaddog writes...

Nothing in life is free. You will be either paying for the insurance through card fees or the quality of
the product will be low. Which one it is, you are probably not going to know until your try to make a
claim.

This statement is simply a load of crap. I have an ANZ platinum which costs $95 PA.
A few years ago we were booked to travel to Japan. 10 days before leaving I had to have open heart
surgery and had to cancel the trip. We made a claim on the card insurance of $3800. The insurance
paid out in ten working days with no hassles at all. Last year we caught ue on a cruise ship. Our
medical expenses were quickly reimbursed.
The problem with whirlpool is that so many people shoot their mouth o about something they know
nothing about. The credit card travel cover is cheaper and just as good as the expensive cover that
other companies provide.

ref:whrl.pl/RezlO2 posted2016Mar7,11:42pmAEST

TicTacToe WhirlpoolForumsAddict

jackski writes...

The problem with whirlpool is that so many people shoot their mouth o about something they know
nothing about. The credit card travel cover is cheaper and just as good as the expensive cover that
other companies provide.

I've also had very mixed experiences with the travel insurance provider I used to use over about 15
years before I had acceptable credit card cover. In one case they were fantastic. In the other case they
completely FUBARed it and I had to escalate and escalate it until eventually someone apologised and
cleaned up the trail of mess left behind.

My current credit card provides travel insurance cover and I've gone through the PDS. It stacks up
compared to the PDS of the travel insurance I used to buy. It's not exact... in some categories it's
slightly inferior, in others it's slightly superior, but never drastically so in either direction. It's
underwritten by a large insurance provider. Maybe they're easy to deal with, maybe they're not (and
very probably it just depends on what you get on the day), but the PDS is what counts.

The bank's involvement is that they eectively pay the premium as a sweetener that's part of the deal
of my doing business with them. They still make a prot from me.

It just would make no sense to go out and buy insurance with a broadly equivalent PDS and pay an
additional premium for it, especially if it was underwritten by the same insurer.

ref:whrl.pl/RezlTc posted2016Mar8,12:59amAEST

cabletee WhirlpoolForumsAddict

I've just been diagnosed with a medical condition which is not automatically covered by the CC
insurance with QBE so I have to pay $35 to apply for coverage.

ref:whrl.pl/RezlXG posted2016Mar8,4:21amAEST

qak WhirlpoolEnthusiast

cabletee writes...

a medical condition which is not automatically covered

This highlights the importance of reading the PDS!


I know the CBA insurance scheme changed at 1 July last year, last I heard was that you need to
'register' to get the better benets they have not sure about how it deals with existing conditions (I'll
read it when I need to travel).

I travelled under the previous CBA policy which had an excess (& requirement for additional medical
report when returning home) such that in my case it wasn't worth claiming I think I had spent only
$200-300.

ref:whrl.pl/Rezl6l posted2016Mar8,7:37amAEST

watto23 WhirlpoolEnthusiast

clarktek writes...
So alot of you may know that alot of premium/plantium Credit Cards oer Free Travel Insurance if you
purchase your ight(s) on them, so my question is are these travel insurance safe just to have these
with no other insurance or should i be going out of my way and purcashing travel insurance by it self?
Im looking at a 15 day Trip to US?

You need to read the PDS and decide. IMO CC insurance sometimes has some interesting hoops to
jump through but is usually activated by purchasing an airfare on the CC. They may also have some
lower limits and more exclusions, but you need to read the PDS to decide if the coverage is what you
need.

Normal travel insurance obviously doesn't need you to use a CC to activate it. You might also have
more options to customise it and add to it.

ref:whrl.pl/Rezmc5 posted2016Mar8,8:28amAEST

jackski WhirlpoolEnthusiast

cabletee writes...

I've just been diagnosed with a medical condition which is not automatically covered by the CC
insurance with QBE so I have to pay $35 to apply for coverage.

A lot hinges on the countries that you intend to travel to. If you have a heart condition and want to
visit the US then don't waste your $35. Try one of those online travel insurance companies. They will
give you a free quote. If they knock you back then it's a good bet that QBE will as well. Due to my open
heart surgery I can't get cover from anyone.

ref:whrl.pl/Rezmdk posted2016Mar8,8:30amAEST

jackski WhirlpoolEnthusiast

watto23 writes...

IMO CC insurance sometimes has some interesting hoops to jump through but is usually activated by
purchasing an airfare on the CC.
I can't see how buying your air ticket is "jumping through hoops", You have to pay for the ticket which
ever company you use, so it's not a big deal to activate the insurance with your card.

Normal travel insurance obviously doesn't need you to use a CC to activate it

Big deal. You're activating the insurance when you buy your airfare, not many people pay for their
tickets with cash.

ref:whrl.pl/Rezmfg posted2016Mar8,8:43amAEST

blutek WhirlpoolForumsAddict

ANZ Plat TI only requires $250 to be spent on the credit card. Underwriter is QBE.
Hire car excess cover is limited to domestic travel.
I was surprised to get in writing that they also would cover me for "out of bounds" skiing in Japan.
Most paid TI won't do that.

ref:whrl.pl/RezmTQ posted2016Mar8,11:54amAEST

macmaddog WhirlpoolForumsAddict

posted2016Mar8,12:03pmAEST(edited2016Mar8,12:26pm
ref:whrl.pl/RezmWz AEST)
Basilsbar WhirlpoolForumsAddict

jackski writes...

The credit card travel cover is cheaper and just as good as the expensive cover that other companies
provide.

Actually, the statement above ts perfectly with the one below:

The problem with whirlpool is that so many people shoot their mouth o about something they know
nothing about.

Considerable dierences exist between all the varying CC insurances oered (there are plenty),
without even considering the dierences with standalone travel insurance policies available no matter
the cost.

Until someone reads the PDS and considers whether the policy they intend to rely on while travelling
suits their personal circumstances, then they remain potentially not having the cover they require.

ref:whrl.pl/Rezm1k posted2016Mar8,12:25pmAEST

jackski WhirlpoolEnthusiast

Basilsbar writes...

Considerable dierences exist between all the varying CC insurances oered (there are plenty),
without even considering the dierences with standalone travel insurance policies available no matter
the cost.

Show me an insurance company not connected to a CC where you can get 8 weeks overseas travel
insurance for $95.

ref:whrl.pl/Rezm3K posted2016Mar8,12:38pmAEST

Basilsbar WhirlpoolForumsAddict

jackski writes...

Show me an insurance company not connected to a CC where you can get 8 weeks overseas travel
insurance for $95.

It seems ultimately these threads always come back to price, rather than the level of cover provided
for that cost.

ref:whrl.pl/ReznbG posted2016Mar8,1:15pmAEST

sugarray WhirlpoolEnthusiast

jackski writes...

The problem with whirlpool is that so many people shoot their mouth o about something they know
nothing about. The credit card travel cover is cheaper and just as good as the expensive cover that
other companies provide.

This isn't exactly true either! It all depends on what you are claiming for and whether the card covers
it. The PDS spells out what you can and can't claim. Hence, your experience may not apply to the OP's.
I have both the Amex and Citibank Platinum cards and can say that there are dierences. I also
purchase the ACE Travel Insurance (through Amex) when buying air tickets with the Citibank Card. I
nd that I get more through Amex/ACE.

ref:whrl.pl/Reznmj posted2016Mar8,2:06pmAEST
nSpin WhirlpoolEnthusiast

Have a good read of the PDF, each type of card has a dierent one.

For instance on my one it said it covers up to $3000 to hire car excess.

But in the PDS it says you have to agree to all insurance options available. Which basically means you
have to pay all the extra $ at time of hire which reduces your excess down to $0 anyway!

ref:whrl.pl/ReznVW posted2016Mar8,4:37pmAEST

woodyren WhirlpoolEnthusiast

I really don't want to spend money to cover anything other than medical, lost baggage and
cancellation/interruption costs .

My Commbank Amex card covers all those thing very well. I do not now even have to spend anything
on the card. You just activate your trip on line and it also covers me and my partner when she travels
with me for 6 months of travel per year.

Easy and a bargain for my annual fee.

ref:whrl.pl/RezoeE posted2016Mar8,6:36pmAEST

Basilsbar WhirlpoolForumsAddict

woodyren writes...

I really don't want to spend money to cover anything other than medical, lost baggage and
cancellation/interruption costs .

OK. But in reality, travel insurance is not this simplistic.

My Commbank Amex card covers all those thing very well.

But does it really cover your individual circumstances having read the PDS? Perceived cost versus
actual circumstances.

Easy and a bargain for my annual fee.

At a minimum cost of $119.00 for the card and a $500.00 excess per medical event for 'third party'
coverage and $250.00 per any additional non-medical claim event, no thanks.

ref:whrl.pl/RezoVd posted2016Mar8,10:56pmAEST

CCDuke WhirlpoolEnthusiast

I endorse what others have said about reading the PDS. Most if not all CC insurance just uses an
established insurance provider anyway. From memory ANZ uses Zurich or did at one point. So the
insurance oered is usually comparable to what you'd get directly from the insurer. But like any policy
you need to satisfy yourself that the coverage oered suits your needs and make sure you meet the
qualications needed to get coverage.

Personally I've made a couple of claims on two CC insurance schemes. No problems in either case.

ref:whrl.pl/RezpE8 posted2016Mar9,10:01amAEST

TicTacToe WhirlpoolForumsAddict

Basilsbar writes...
a minimum cost of $119.00 for the card and a $500.00 excess per medical event for 'third party'
coverage and $250.00 per any additional non-medical claim event, no thanks.

Talking about the CommBank card insurances as you were, this isn't entirely correct. Various benet
categories (eg. Travel Delay or Delayed Luggage) have no excess. Others have $250 excess and yes
Medical is $500 apart from emergency assistance (eg. transport to hospital) which is nil excess.

On the TI I used to buy, I used to select $250 excess anyway. I can live with the additional $250 excess
on medical events.

As for the cost of the card, I don't pay anything specically for mine. The cost of my overall
arrangements with the bank are the same regardless of if I accepted the card as part of it or not. This
said, for the sake of argument I just did an online quote for my next trip with the insurer I used to use
and even with no cancellation cover and excess of $250, they're still quoting $180. So, you know,
people have to consider their circumstances to work out what's best for them.

Before this I had a dierent card with another bank that also had acceptable travel insurance.

People have to read the PDS and compare them, but the old school mantra of "credit card travel
insurance is unacceptable", just does not apply universally any more.

ref:whrl.pl/RezvvN posted2016Mar10,1:52pmAEST

Basilsbar WhirlpoolForumsAddict

TicTacToe writes...

Talking about the CommBank card insurances as you were, this isn't entirely correct. Various benet
categories (eg. Travel Delay or Delayed Luggage) have no excess.

It was more a reference to the major claim areas, but I stand corrected. In any event, $500.00 excess
for a medical claim is ridiculous IMO.

People have to read the PDS and compare them

Indeed, too many fail to do this in reality, thinking more about cost than suitability of the product for
their own personal circumstances.

but the old school mantra of "credit card travel insurance is unacceptable", just does not apply
universally any more.

That's over generalising the reality of CC insurance, because like a travel insurance policy they vary
considerably.

It also should be noted that the user of CC insurance is never actually insured, they are covered only
under a master policy held by the card issuer, which is a whole new ball game.

ref:whrl.pl/RezvyQ posted2016Mar10,2:08pmAEST

dangermouse0000 WhirlpoolForumsAddict

The cost of a policy whether through CC or standalone policy should be on of the last things to
consider; a 'bargain' policy is no bargain if it leaves you up excrement creek without a paddle
overseas.

It's worth reading the denitions of words in the PDS, where normal English words are given special
meanings these are just as important as the headline covered/not covered categories.

e.g. some insurers dene a hire car or vehicle as a standard sedan or stationwagon, but specically
exclude a 7-seater people-mover or campervan
When it comes to trips to the US, don't sacrice the level of cover for an apparent bargain premium.
In the event of medical claims, if the accident or disease doesn't kill you, the medical bill will.

ref:whrl.pl/RezwBO posted2016Mar10,7:59pmAEST

koala9 ForumRegular

if you buy the tickets for the whole family with the credit card, does the insurance only cover you or
the entire family?

ref:whrl.pl/RezCd9 posted2016Mar12,11:19pmAEST

stefan120 WhirlpoolForumsAddict

Read the ne print. Usually spouse and dependent kids are covered, but adult kids not always but
they could use their own cc. Also beware of limits as you might be underinsured like if luggage was
capped at $6000 for a family of 4.

ref:whrl.pl/RezCCG posted2016Mar13,9:16amAEST

Basilsbar WhirlpoolForumsAddict

stefan120 writes...

Read the ne print. Usually spouse and dependent kids are covered, but adult kids not always but
they could use their own cc. Also beware of limits as you might be underinsured like if luggage was
capped at $6000 for a family of 4.

How could any advice possibly be given without even knowing what CC insurance the OP is
considering using or knowing by whom the OP is referring to as 'family'? This is totally irresponsible
posting in reality.

OP, read the PDS provided by your CC company and determine if the policy covers just yourself or
your family? As you have not stipulated what constitutes your family (wife or partner only, children,
dependent children or adult children), nor the CC policy you are considering, it's impossible for
anyone to give you advice TBH.

ref:whrl.pl/RezEpZ posted2016Mar13,11:48pmAEST

stefan120 WhirlpoolForumsAddict

So you said exactly what I said read the policy particularly around denition of family. And I didn't
have 15years experience in the industry. Maybe its not rocket science after all.

ref:whrl.pl/RezEK0 posted2016Mar14,8:37amAEST

TicTacToe WhirlpoolForumsAddict

Some are noting what various CC insurance are capable of doing and saying read the PDS. Others are
clearly desperately sowing FUD and saying read the PDS.

Presumably the general conclusion to be drawn here is read the PDS and make your own decision
about what coverage you need.

ref:whrl.pl/RezEL4 posted2016Mar14,8:46amAEST

Basilsbar WhirlpoolForumsAddict

stefan120 writes...
So you said exactly what I said read the policy particularly around denition of family.

Except I didn't advise anything suggesting what may be covered or anything about potential specic
limitations. Big dierence.

And I didn't have 15years experience in the industry. Maybe its not rocket science after all.

It's not rocket science, but providing inaccurate or misleading advice is poor form.

ref:whrl.pl/RezF66 posted2016Mar14,4:30pmAEST

Basilsbar WhirlpoolForumsAddict

TicTacToe writes...

Some are noting what various CC insurance are capable of doing and saying read the PDS.

Which is inappropriate advice with no knowledge of the individual circumstances.

Others are clearly desperately sowing FUD and saying read the PDS.

And some are totally clueless believing some of the rubbish advice in this thread, rather than read the
PDS.

ref:whrl.pl/RezF7C posted2016Mar14,4:33pmAEST

lgc67 WhirlpoolEnthusiast

Well is hard to know what to do / One poster says complementary CC travel is value next says it
rubbish !

So I'll kick it o again .

Wife and I are travelling to Europe in May

We both have a CBA Platinum diamond (whatever ) which entitles us to "free" travel insurance .
I've done a bit of research and the policy is underwritten by Alliance .
I've read through the PDF and tried to understand as much as possible . (I've read shorter novels and
understood them better ;) )

It seems to be pretty much the same as other policies you pay for or am I missing something ?

My wife is not keen to go for the "free" insurance / And if something happens and I've signed us up to
a festering POS useless policy ...........BOY O BOY I will need some serious insurance then :)

ref:whrl.pl/ReANyG posted2016Apr7,11:47amAEST

Ngrad WhirlpoolEnthusiast

lgc67 writes...

It seems to be pretty much the same as other policies you pay for

It is, 95% of it. But If you have/need any 'additional requirements/coverage' then its probably better to
buy a specially customized/catered policy. I wouldn't bother buying one as my CC covers pretty much
most of the things I want but I am single and reasonably healthy. So..

ref:whrl.pl/ReANJ2 posted2016Apr7,12:40pmAEST

lgc67 WhirlpoolEnthusiast

Thanks Ngrad,
I cant think of anything 'additional requirements/coverage' I might need

What sort of thing do you mean ?

ref:whrl.pl/ReANO6 posted2016Apr7,1:03pmAEST

The Ziggster WhirlpoolForumsAddict

Just ensure you 'qualify' for the credit card insurance.


Eg. Maximum time away.
Does a minimum $ amount need to be charged, or a min percentage, or 'all travel expenses' (what if
you take a taxi that only takes cash and have a crash, or partially use reward points)

As above best advice is to carefully read PDS and make sure it works for you.

ref:whrl.pl/ReANRj posted2016Apr7,1:14pmAEST

Jurahn WhirlpoolEnthusiast

lgc67 writes...

What sort of thing do you mean ?

What Ngrad is probably referring to is things like pre-existing medical conditions (many travel
insurance policies oered through credit cards do not cover ANY pre-existing conditions at all) and
there are often additional costs if you want cover for snow sports, for example.

I also have a CBA Diamond card and recently activated the travel insurance for an upcoming trip to
Europe, more out of curiosity than anything else as we'd already purchased travel insurance from
1Cover some time ago for this trip however 1Cover recently changed underwriters (and some of
their policy Ts & Cs regarding what pre-existing conditions they cover) so I'm now looking at other
options for future trips. You will be asked during the activation process whether anyone travelling has
any pre-existing medical conditions, as you have to declare these a list comes up of the conditions
they automatically cover, and if not on that list, you provide the conditions you need cover for and it
does an almost instant assessment and advises whether any additional premium is payable (which
apparently you don't have to take up if you don't want to, but you then won't be covered for anything
related to those conditions). In our case, the conditions were assessed and included in the cover at no
extra cost, which I was quite pleased with, although that may be because we're travelling to Europe
going to the US may be a dierent story where medical costs are higher. I think at the beginning of
the activation process, there's an option to "get a quote" beforehand as well.

ref:whrl.pl/ReAN2N posted2016Apr7,2:04pmAEST

lgc67 WhirlpoolEnthusiast

The Ziggster writes...

Does a minimum $ amount need to be charged

With CBA card we have there is no requirement to use the card to part or any of the holiday AFAIK
Jurahn writes...

pre-existing conditions

Nothing we know of apart from the usual aches and pains and wear and tear of being over 50.
By "pre existing " I assume they mean diagnosed.

ref:whrl.pl/ReAOew posted2016Apr7,3:02pmAEST

Jurahn WhirlpoolEnthusiast
lgc67 writes...

By "pre existing " I assume they mean diagnosed

Not necessarily the denition of a pre-existing medical condition can be pretty wide-ranging,
including medical conditions "of which you were aware" but haven't necessarily been conrmed by a
diagnosis (see # 4) or even had any treatment for, or something as simple as having had a change of
medication or having to take prescription pain medication (such as I do for migraines) or even if
you've EVER had any joint, spine, abdominal or brain surgery where you were in hospital overnight!
This is from the denitions section of the CBA Insurance Ts & Cs:

Pre existing medical condition


means a medical condition of which you were aware:
1. prior to the time you became eligible for the covers provided in this booklet that involves:
a] your heart, brain, circulatory system/blood vessels; or
b] your lungs or chronic airways disease; or
c] cancer; or
d] back pain requiring prescribed pain relief medication; or
e] surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay
in hospital; or
f] Diabetes Mellitus (Type 1 or Type 2); OR

2. in the 2 years prior to the time you became eligible for the covers provided in this booklet:

a] for which you have been in hospital or emergency department


or day surgery; or
b] for which you have been prescribed a new medication or had a
change to your medication regime; or
c] requiring prescription pain relief medication; OR

3. prior to the time you became eligible for the covers provided in this booklet that is:
a] pregnancy; or
b] connected with your current pregnancy or participation in an
IVF program; OR

4. for which, prior to the time you became eligible for the covers provided in this booklet:
a] you have not yet sought a medical opinion regarding the cause; or
b] you are currently under investigation to dene a diagnosis; or
c] you are awaiting specialist opinion.

For the purposes of this denition medical condition includes a dental condition. The above
denition applies to you, your travel companion, a relative or any other person

This sort of denition tends to be pretty standard across many travel insurance policies the list of
automatically covered conditions varies quite a bit, some only refer to having been hospitalised in the
last 12 months etc.

ref:whrl.pl/ReAOwD posted2016Apr7,4:24pmAEST

lgc67 WhirlpoolEnthusiast

Thanks jurahan.
So that means ,for example, if one had a shoulder reconstruction in the last 12 months the ins co
wouldn't cover ANY an costs from an issue with that shoulder
1 regardless of what happened ?

2 an issues related to the reconstruction?

3 an issues with any joints ?


4 all of the above and more ?

Yeah I know ........read the PDF

I assume that would be the same with all travel ins co.

ref:whrl.pl/ReAOG0 posted2016Apr7,5:23pmAEST

Jurahn WhirlpoolEnthusiast

lgc67 writes...

4 all of the above and more ?

Yeah I know ........read the PDF

I assume that would be the same with all travel ins co.

Pretty much, I would say that's insurance for you LOL.

ref:whrl.pl/ReAOKp posted2016Apr7,5:42pmAEST

vosadrian ForumRegular

Hi All,

I have ANZ black cards with the free travel insurance. I read the PDS. It seems to cover my
requirements. It is activated by spending $250 on transport costs or other land content costs. It says
you are automatically covered and seems to imply that you do not need to do anything else.

In my case I have a trip booked for my family. Only thing done so far is ights which are done on
frequent yers, but there are fuel surcharges/taxes over $250 that I payed with my ANZ black card so I
presume myself to be automatically covered. Is this a safe assumption or should I do something else
to ensure I am covered? Is there any action required before I travel, or can I just ring them if I have an
issue while I am travelling and as long as I can show I meet the activation criteria I am good to make a
claim?

Thanks,

Adrian

ref:whrl.pl/ReARtV posted2016Apr8,3:29pmAEST

dangermouse0000 WhirlpoolForumsAddict

vosadrian writes...

Is this a safe assumption

No, because the PDS specically refers to

(e) used a participating card account before you went on


your trip to purchase at least AUD$250* in total (inclusive
of taxes and other charges)

Whereas you have purchased you ights with frequent yers exclusive of fuel surcharges and taxes.

Therefore, you have not paid for

(i) transport costs (airfares and/or cruise); and/or


(ii) land content costs (tours, hire cars or other hired
transport and accommodation);
with your ANZ card.

That's the way the PDS looks to me, but you should write (or email) ANZ's insurance team at QBE to
get a written response and clarication. You do not want to be overseas uninsured.

QBE Travel
Phone: 1300 135 271 Toll free
(Oce Hours Monday to Friday, 9am to
5pm except public holidays. Calls from
mobiles, public telephones or hotel rooms
may attract additional charges).
Email: travel.service@qbe.com
Postal Address: P.O Box 12090
Melbourne VIC 8006

ref:whrl.pl/ReAVcI posted2016Apr9,10:46amAEST

vosadrian ForumRegular

Thanks for your response. I need to start booking accommodation this week. If I pay using the ANZ
card will that enable it in your opinion?

Thanks again,

Adrian

ref:whrl.pl/ReAZig posted2016Apr11,9:41amAEST

dangermouse0000 WhirlpoolForumsAddict

If you have any queries about coverage, refer them to the insurer. Opinions (including my own) will
count for nothing in the event of a claim, and only the insurer is allowed to give specic personal
advice.

ref:whrl.pl/ReAZ7I posted2016Apr11,1:50pmAEST

vosadrian ForumRegular

Thanks for that.

I contacted the insurer and got the following response for future reference for anyone else:

"Please be advised that taxes, fees and other charges for the ights will satisfy the eligibility criteria(d)
provided it reaches $250 or more."

ref:whrl.pl/ReA2Cw posted2016Apr12,10:53amAEST

wombat46 I'mnewhere,pleasebenice

For anyone using travel insurance be aware that QBE seems to be the CC insurer of choice for most
Banks, Financial, Health and Travel organisations in Australia now. Prior to about mid last year the
company was Zurich. Zurich was a very reliable company and had a good reputation. What I would
encourage anyone taking insurance out before travelling, to do, is check productreview.com.au and
then put in QBE Travel Insurance to see if you would feel happy to go with this particular insurer. 1.7
stars out of 5 is not a good recommendation! Remember, most bank CC's are using this insurer. You
will see many reviews of various insurers from people recommending them who have never made a
claim. Always look for recommendations from those who have been unfortunate to have had to make
a claim!
ref:whrl.pl/ReIAXc posted2016Sep19,1:03pmAEST

Ronin WhirlpoolForumsAddict

Has anyone used ACE Insurance ? it comes with Amex CC.

ref:whrl.pl/ReIDvi posted2016Sep20,11:27amAEST

State Security ForumRegular

wombat46 writes...

check productreview.com.au and then put in QBE Travel Insurance to see if you would feel happy to
go with this particular insurer. 1.7 stars out of 5 is not a good recommendation! Remember, most
bank CC's are using this insurer. You will see many reviews of various insurers from people
recommending them who have never made a claim.

Insurance companies always tend to have very low reviews.... But in all honesty, has anyone dealt with
QBE before regarding their credit card insurance? Would even be better if recently happened. Much
appreciated

ref:whrl.pl/ReKBL9 posted2016Nov2,11:19pmAEST

watchboy ForumRegular

we had an annoying experience last year with AMEX platinum insurance. My wife was stuck in Bali
due to the volcano smoke with jetstar. She was doing a yoga camp . The problem started during their
stay . She was delayed 3 days after her ight was due to leave and the delay was about a week for
people who were already waiting and had been due to leave earlier. We have small children at home
and I had to go back to work so like many people we bit the bullet and got a ight back with Singapore
airlines as there was no information about ights out. It turned out if she had of waited as friends of
hers did she would have been there another 6 days.
anyway total cost of accommodation, food and the very expensive economy ight back was $2200.
amex strung it out for 3 weeks wanting masses of details and ended up paying $400. they said they
did not cover the ight as the airline was still operating and $400 was the maximum accommodation
cost . We had the AMEX platinum card for many years and were so annoyed we cancelled it. I would
avoid using the insurance especially in expensive countries like the US.

ref:whrl.pl/ReKCaj posted2016Nov3,8:41amAEST

Skirulz ForumRegular

I am traveling to Singapore/Thailand with my Wife and 4 year old child and i purchased my ights
through Bankwest Platinum and it states that:

1. spend at least A$500 on their prepaid travel


costs (i.e. the cardholders travel costs that they pay
for before leaving Australia, which includes the cost
of their return overseas travel ticket; and/or airport/
departure taxes; and/or their prepaid overseas
accommodation/travel; and/or any other of their
prepaid overseas itinerary items); and

2. at least A$500 has been spent on each of their


prepaid travel costs (i.e. their travel costs that they
pay for before leaving Australia, which includes the
cost of their return overseas travel ticket; and/or
airport/departure taxes; and/or their prepaid
overseas accommodation/travel; and/or any other of
their prepaid overseas itinerary items); and

Does that mean that i need to spend atleast $1500 Extra on the card which includes return ights?
eg. Flights from Sydney to Singapore: $1050

I need to spend another $1500 on return ights and accomodation to be covered by the credit card
travel insurance

Regards

ref:whrl.pl/ReMe6E posted2016Dec12,11:02amAEST

tardotz ForumRegular

It all depends on bank you're with. I got mine with CBA and as my wife had to cancel her ight due to
her mother's health, the bank rejected the claim. According to the CBA your mother is not a relative if
she lives overseas.

/archive/2592603

ref:whrl.pl/ReMAd2 posted2016Dec20,11:23amAEST

timhn ForumRegular

Hi all,
I've just purchased my ight with ANZ Platinum card. Do I have to call them (ANZ or QBE) to get any
paper/certicate for my travel insurance?

ref:whrl.pl/ReNitI posted2017Jan9,2:30pmAEST

blutek WhirlpoolForumsAddict

Ours is ANZ Black but no notice required. Be aware it doesn't cover rental car claim excess liability,
when overseas. Keep a copy of the PDS to refer to.
posted2017Jan10,11:55amAEST(edited2017Jan10,12:01
ref:whrl.pl/ReNkz7 pmAEST)

blutek WhirlpoolForumsAddict

ref:whrl.pl/ReNkAR posted2017Jan10,11:59amAEST

tasglobal ForumRegular

blutek writes...

Be aware it doesn't cover rental car claim excess liability, when overseas.
How do you come to this conclusion?
Schedule of benets (page 14) and Rental vehicle expenses (page 42) seems to indicate it IS covered.

ref:whrl.pl/ReNm63 posted2017Jan11,11:46amAEST

Vella76 ForumRegular

Apologies if this has been asked before, but couldn't nd the answer.
Does Credit Card travel insurance cover you for domestic travel in Australia? Or is it purely for
overseas travel?

Thanks in advance

ref:whrl.pl/ReNp4e posted2017Jan12,12:53pmAEST

blutek WhirlpoolForumsAddict

tasglobal writes...

How do you come to this conclusion?

only from reading this Rental Excess Cover page 57


https://www.anz.com.au/content/dam/anzcomau/documents/pdf/premium-cards-insurances.pdf

"What is covered?
We will reimburse you for the amount of any collision excess
that you have paid under any vehicle rental agreement(s) that
you enter into with a car rental company to hire a vehicle
registered in Australia ..."
posted2017Jan12,1:27pmAEST(edited2017Jan12,2:47pm
ref:whrl.pl/ReNqal AEST)

tasglobal ForumRegular

blutek writes...

only from reading this Rental Excess Cover page 57


https://www.anz.com.au/content/dam/anzcomau/documents/pdf/premium-cards-insurances.pdf

"What is covered?
We will reimburse you for the amount of any collision excess
that you have paid under any vehicle rental agreement(s) that
you enter into with a car rental company to hire a vehicle
registered in Australia ..."

I just got o the phone to QBE to clarify the confusion.


Overseas Rental Excess Cover is part of the Travel Master Policy and is covered. See page 42.
Australian Rental Excess Cover is part of the Rental Excess Master Policy and covers you when renting
a car in Australia. See page 54 59.
(as long as you meet all the other criteria BS :-)

ref:whrl.pl/ReNqzI posted2017Jan12,3:50pmAEST

blutek WhirlpoolForumsAddict

Thanks.
Having two policies hasn't helped.

ref:whrl.pl/ReNqKi posted2017Jan12,5:05pmAEST

tasglobal ForumRegular

All good :-)


Still feel a bit naked travelling to Europe/UK next May without any paperwork. But at 70+ commercial
travel insurance is getting a tad expensive, increased around $500 from two years ago.

ref:whrl.pl/ReNqWb posted2017Jan12,6:24pmAEST
Revelation WhirlpoolForumsAddict

Does anyone know, will I be covered for an early return home if a relative is seriously sick? I see other
policies from TID etc cover this. Had a look at my CBA insurance booklet and couldn't nd anything
pertaining to this. Any help appreciated. Thanks

ref:whrl.pl/ReRJk8 posted2017Apr21,3:56pmAEST

cnrmlj ForumRegular

Depends who you are covered with? If it is with CBA and you can't nd it then you probably aren't
covered. If you are with the other one you mentioned and it says you are covered then you will be.
There may be pre existing medical condition exclusions though. I'm not really sure what you are
actually asking though as you seem to have answered your own question in your post.

ref:whrl.pl/ReRJrH posted2017Apr21,4:38pmAEST

Jurahn WhirlpoolEnthusiast

Revelation writes...

Does anyone know, will I be covered for an early return home if a relative is seriously sick? I see other
policies from TID etc cover this. Had a look at my CBA insurance booklet and couldn't nd anything
pertaining to this. Any help appreciated. Thanks

I had a look at the electronic copy of the CBA PDS for some reason it's not allowing me to copy and
paste sections from it, but under Benet 4 Cancellation Fees and Lost Deposits 4.1(f) on page 49 and
Benet 6 Resumption of Journey 6.1(b) on page 52 it refers to this, and the benet payable is quite
limited. It appears that the illness has to be due to/arising from from a pre-existing medical condition
that is covered under the policy see page 22, section 1 under "Policy Exclusions What is not
covered" and that the relative would have to be 79 years of age or under. Hope this is of some help.

ref:whrl.pl/ReRJwd posted2017Apr21,4:54pmAEST

mydogisfat I'mnewhere,pleasebenice

I am not sure if anyone has said this but be careful of credit card insurance because if something does
happen they will only talk to the account holder. So if for example you are the credit card holder and
you have an accident and are unconscious and your friend/partner calls to get info. They won't help
unless they are talking to the main account holder (not alot of help if your unconscious or seriously
injured).

Some travel insurance doesn't cost alot and they specialise in Trac insurance (not credit cards).

ref:whrl.pl/ReRJMb posted2017Apr21,6:36pmAEST