Read the Fine Print – 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.
$100 Excess on minor medical expenses is grossly unfair.
- Insurance claim made: Yes
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Hi, and sorry that you feel this is unfair.
We do try to make the policy excess as clear as possible, which is why we present it on the quote before a purchase (not just in the fine print). We also invite our customer to remove the policy excess when they buy a policy so that if they do have to make a claim there is no policy excess deducted.