Settled my claim with speed, efficiency and courtesy.
I have nothing but praise for APIA Travel Insurance. I first contacted them by phone to find out the claim procedure for major medical expenses incurred on a cruise. They immediately replied by e-mail, with the necessary procedure and forms to complete. On receipt of the forms, APIA promised a decision within 10 business days (from memory). It actually took them about 1 week to have the funds in to my account. I have nothing but praise for the speed, efficiency and courtesy I received from APIA.
Must read fine print carefully!
We took travel insurance with Apia as we thought they were a reputable company, caring for seniors and all that! While traveling in Europe I required emergency dental care for a non preexisting dental issue. When I tried to claim I was informed as I hadn't fallen over or been in an accident, I was not covered. I was then informed I only had cover for the "external" not internal. I was told that this was stipulated in the fine print. I will NEVER choose to insure with APIA ever again, very disappointed!
What is not covered should be made more clear. Not just put in the fine print.
Questions & Answers
Whatis the vantiage of travel insurance?
Misshaps, injuries, luggage loss are all unfortunately part of travelling. You may travel many times without a problem, but these things can pop up when least expected. If you have travel insurance the worry of hidden expenses is removed. I broke a bone in my foot whilst on a cruise, xrays doctors and treatment were all covered. It was an American ship so you can imagine the cost. The treatment was excellent and so was my insurance coverage.
|Contact Number||13 50 50|
|24-Hour Phone Contact||Yes|
|Online Live Chat||No|
|Other Insurance Types Offered||Car, Funeral, Health and Home and Contents|
|Maximum Age Covered||100 years old|
|Overseas Emergency Assistance||$5,000|
|Pregnancy (max weeks)||Not Included|
|Resumption of Journey||$3,000|
|Hospital Cash Allowance||$100 per day|
|Overseas Emergency Medical & Hospital Expenses||Unlimited|
|Loss of Income||Not Included|
|Permanent Disability||Not Included|
|Luggage & Personal Effects|
|Theft of Cash||$500|
|Credit Card Fraud||Not Included|
|Travel Documents / Passport||$3,000|
|Maximum Single Item Limit||$3,000 (Cameras)|
|Luggage & Personal Effects||$5,000|
|Rental Vehicle Excess||Not Included|
|Motorbike / Moped Coverage||Not Included|
|Domestic Pet Care||Not Included|
|Special Activities Packages|
|Snow / Ski||Not Included|
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