Travel Insurance Direct Reviews
Reviews: 1
Cons: $100 Excess on minor medical expenses is grossly unfair.
Overall: We paid over $300 for travel insurance and when we made a claim for $141 for three medical consultations we were shocked to find that when our claim was approved TID deducted a $100 excess.
I can appreciate the excess being deducted when there are huge medical claims being made but to deduct $100 from a minor claim of $141 is ridiculous.
We have made three such trips in the past 5 years, the previous two times taking out travel insurance with CoverMore. We also made similar claims for similar amounts with CoverMore but were never slugged any excess.
I might add that TID made us visit our local GP to verify that our 6 year old child and I are not prone to viral infections as part of the claims process. How ridiculous! What young child is not prone to catching a viral infection when travelling to Asia for 5 weeks?
All in all I am disappointed with the claims process and feel that the insurance was not worth it in the first place. In future I will be looking for a credit card that offers free travel insurance. At least then if there is an excess for 'minor' medical costs, I can at least accept this situation because there were no upfront insurance costs in the first place.
I can appreciate the excess being deducted when there are huge medical claims being made but to deduct $100 from a minor claim of $141 is ridiculous.
We have made three such trips in the past 5 years, the previous two times taking out travel insurance with CoverMore. We also made similar claims for similar amounts with CoverMore but were never slugged any excess.
I might add that TID made us visit our local GP to verify that our 6 year old child and I are not prone to viral infections as part of the claims process. How ridiculous! What young child is not prone to catching a viral infection when travelling to Asia for 5 weeks?
All in all I am disappointed with the claims process and feel that the insurance was not worth it in the first place. In future I will be looking for a credit card that offers free travel insurance. At least then if there is an excess for 'minor' medical costs, I can at least accept this situation because there were no upfront insurance costs in the first place.
Travel Insurance Direct is not recommended by
jatha8
Reviews: 1
Pros: Prompt, professional, helpful and friendly staff, very good quotes.
Overall: I have been using Travel Insurance Direct for the past five years and have had to make a few claims during these trips. Every claim has been processed promptly and efficiently without any unnecessary questions from TID. I cannot recommend them highly enough and tell any friends and family looking for travel insurance to seriously consider TID. Their quotes are usually more competitive than other insurance companies.
Travel Insurance Direct is recommended by
lynphilly
Reviews: 1
Pros: Reliable
Overall: I find TID are a very professional company, enjoy the on line Get Quote system. Have had a claim with TID on a previous policy and it was handled very well with the help line assistance & online assistance.
Travel Insurance Direct is recommended by
williamc
Reviews: 1
Pros: All that mentioned above
Overall: Unfortunately we were forced to cancel our trip on medical grounds. Our claim was promptly processed. We were kept fully informed of the status of the claim and after a short period the claim was finalised and money deposited to our account.
Travel Insurance Direct is recommended by
tomb1941
Reviews: 1
Pros: Efficient service, reliable company.
Overall: Travelling to US/CANADA immediately tells us that Travel Insurance is essential. Whilst we didn't experience any difficulties with illness or luggage, it was comforting to know that we were fully covered by TID.
Being in the " mature-age" bracket, we know that premiums are increased, but with TID, all fees are reasonable for the cover which is offered.
Well Done, TID. Keep up the good work, reassuring us older travellers that we get value for money.
Being in the " mature-age" bracket, we know that premiums are increased, but with TID, all fees are reasonable for the cover which is offered.
Well Done, TID. Keep up the good work, reassuring us older travellers that we get value for money.
Travel Insurance Direct is recommended by
LILYDALE2
Reviews: 1
Pros: Quick, Hassle Free, Cheapest i found.
Overall: Went to Vegas a few years ago, had to make a claim for a bag (containing laptop & digital camera) Whole process was simple and very quick.
Have been using TID ever since, luckily haven't had to make a claim since.. But know that I can rely on them to be helpful again if needed.
Have been using TID ever since, luckily haven't had to make a claim since.. But know that I can rely on them to be helpful again if needed.
Travel Insurance Direct is recommended by
Jubby
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Save on your holiday travel insurance with Travel Insurance Direct. They offer some of the best rates for online travel insurance in Australia.
Underwritten by certain underwriters at Lloyds, the world's leading insurance market, Travel Insurance Direct provides genuine 24/7 emergency assistance through Specialty Assist, a leading global emergency assistance company.
Here's a list of questions other people have asked about Travel Insurance Direct
I was recently diagnosed with cancer and have set a 'get well' target of a trip to Italy next year for my birthday - does this pre-existing condition mean that I cannot get travel insurance for medical ?
Helen asked on Sep 27, 2011
I heard about travel insurance companies not paying claims related to medical conditions, including when alcohol was involved. How can we know we’re really covered? What do we need to know about alcohol and other factors that could negate our cover?
Paul Cohen asked on Aug 31, 2011
We’ve never seen a case of bona fide medical claims deliberately not being paid for people who have taken travel insurance with bona fide insurers. At TID, a large proportion of our claims are for medical costs.
I think traveller frustration often arises from not declaring pre-existing conditions - it is so important to read the wording and ask the questions if you have a condition.
Most of the travel insurance policies in Australia, if not all, exclude claims if you are under the influence of alcohol or drugs or involved in any illegal activity. For example, if you have an accident while driving a car drunk, you’ll find your travel insurer will probably decline coverage. In the end it comes down to what’s reasonable. If you’ve had one drink with dinner and then have an accident, the claim would probably be allowed. But if you were over the legal blood alcohol limit then it might not be.
Product manager TravelInsuranceDirect replied on Sep 1, 2011
I think traveller frustration often arises from not declaring pre-existing conditions - it is so important to read the wording and ask the questions if you have a condition.
Most of the travel insurance policies in Australia, if not all, exclude claims if you are under the influence of alcohol or drugs or involved in any illegal activity. For example, if you have an accident while driving a car drunk, you’ll find your travel insurer will probably decline coverage. In the end it comes down to what’s reasonable. If you’ve had one drink with dinner and then have an accident, the claim would probably be allowed. But if you were over the legal blood alcohol limit then it might not be.
This piece was cegont, well-written, and pithy.
Rosabel replied on Jan 11, 2012
just want to know if this covers car insurance excess on rentals if you don't take out the car rental insurance?
feebee asked on Aug 8, 2011
TID has $4,000 of Rental Vehicle Excess cover as standard in the policy. You can choose to increase this to a total of $6,000 of cover if you really need to.
Please see question 17 of our FAQ's http://www.travelinsurancedirect.com.au/travel-insurance-australia-faqs/ and make sure you ready the PDS for specific terms: http://www.travelinsurancedirect.com.au/wording/TIDAUS_PRIMARY_PDS_0711.pdf
Hope we can be of service.
Have a great trip
Product manager TravelInsuranceDirect replied on Aug 8, 2011
Please see question 17 of our FAQ's http://www.travelinsurancedirect.com.au/travel-insurance-australia-faqs/ and make sure you ready the PDS for specific terms: http://www.travelinsurancedirect.com.au/wording/TIDAUS_PRIMARY_PDS_0711.pdf
Hope we can be of service.
Have a great trip
I was wondering how long it takes them to pay if your suitcases get lost during travel... Do you have to wait for forms to process or can you get the money straight away?
Sparky asked on Aug 3, 2011
Hi Sparky, you do need to submit a completed claim forms and related documentation before your claim can be considered. Claims are generally assessed within 10 business days, and if anything more is needed from you, your case manager will get in touch in that time to let you know. The more information you can provide in the first instance, the better the chances your claim can be assessed within that first 10 business days.
Product manager TravelInsuranceDirect replied on Aug 4, 2011
Is there any travel insurance that will cover return to Australia for illness/misadventure of a family member in Australia where the person is over 85? (eg having to come home because of elderly parents getting sick)
Rosemary asked on Jul 27, 2011
Hi Rosemary, unfortunately TID doesn't offer coverage in this scenario (cover is restricted to relatives under 85 years), but you might want to chat to the team at the Financial Ombudsman Service (FOS). They can help to point you in the right direction if you're having trouble finding the cover you need.
Phone: 1300 780 808
Website: www.fos.org.au
Email: info@fos.org.au
Product manager TravelInsuranceDirect replied on Aug 4, 2011
Phone: 1300 780 808
Website: www.fos.org.au
Email: info@fos.org.au
You might also want to talk to http://www.suresave.net.au as I know they provide cover for over 85's - and offer an excellent screening service for pre-existing medical conditions.
Product manager TravelInsuranceDirect replied on Aug 8, 2011
Is there a travel insurance out there that covers family emergencies for families living overseas (not in Australia/NZ)?
Joshua asked on Jul 24, 2011
Worldnomads.com is a global travel insurance provider covering people travelling from and to countries outside of Australia.
Product manager TravelInsuranceDirect replied on Jul 25, 2011
Travelling to the USA and then to the UK. From the UK we have a cruise in the Caribbean for 14 nights. Will be returning home via Hong Kong. Will the cruise part of the holiday be covered under a 'worldwide' policy? Thank you.
Caroline Princehorn asked on May 23, 2011
Hi there,
I highly recommend you read 'every single word' in the policy and then read them again including all exclusions, they seem to find an exclusion or clause for everything. I would ring them up and ask them everything you want to know...make sure you get the names of who you are talking to, not that it helps anyway!!! I would personally not use them ever again.Good luck and hope you won't need to claim at all.
Griswalds replied on May 23, 2011
I highly recommend you read 'every single word' in the policy and then read them again including all exclusions, they seem to find an exclusion or clause for everything. I would ring them up and ask them everything you want to know...make sure you get the names of who you are talking to, not that it helps anyway!!! I would personally not use them ever again.Good luck and hope you won't need to claim at all.
Hi Caroline,
If you are spending the majority of your trip cruising the Caribbean then yes, you choose the 'Worldwide' policy. This will also cover you for the time you spend in Hong Kong and the UK. if however you are spending more time in UK and Hong Kong combined, then you can choose the 'UK/Asia' policy.
Regards,
Ian Jackson
General Manager
Travel Insurance Direct
Product manager TravelInsuranceDirect replied on May 24, 2011
If you are spending the majority of your trip cruising the Caribbean then yes, you choose the 'Worldwide' policy. This will also cover you for the time you spend in Hong Kong and the UK. if however you are spending more time in UK and Hong Kong combined, then you can choose the 'UK/Asia' policy.
Regards,
Ian Jackson
General Manager
Travel Insurance Direct
Same as the post from Griswalds, read policy & all the exclusions,read again & again then you will realise that they can deny any claim they wish according to the wording,very broad terms mean they can deny any claim,what means one thing to you will mean totally different to them & in there favour.
If there terms of policy were made more specific,they would not be able to deny claims.It's up to you,but don't just go off this review site,it's very easy to see that most of the posts rating 5 stars are posted by somebody from there company,they register & post on the same day & only make one post with a 5 star rating,pretty obvious really.
Pondy replied on Jun 3, 2011
If there terms of policy were made more specific,they would not be able to deny claims.It's up to you,but don't just go off this review site,it's very easy to see that most of the posts rating 5 stars are posted by somebody from there company,they register & post on the same day & only make one post with a 5 star rating,pretty obvious really.
Got a question? Get an answer from someone who reviewed this product.
Related Reviews of Travel Insurance
sorry to hear that. Unfortunately we can't cover you for any claim relating to or associated with that pre-existing Medical Condition. You can still buy TID's Travel insurance for it's other cover, however you won't be able to claim for any medical condition relating to your cancer.
If we can be of further assistance by phone please call us on 1300 843 843.
And from all of us at TID, we hope your trip to Italy is a great success.
Good luck and get well soon.