Cant get an answer
The company cannot establish if you are covered without proceeding with a full claim with claim managers only available in the week. This caused significant distress following a family death trying to understand the best course of action at a difficult time. I would never insure with them again and will be changing health insurer also as a result
Hidden exclusions in travel insurance. I'm going back to RAA.
I took out domestic travel insurance. Our flight was cancelled at the last minute so we had to buy expensive last minute tickets to get there, but I had read the insurance PDS and had seen that on page 6 of the PDS, the Australian Plan covered us for cancelled or rescheduled planes and the amount was 'unlimited'. And also, a bit contradictorily, on page 17 it clearly stated "We will cover the reasonable costs of additional accommodation and travel expenses that result from you being delayed or interrupted." Immediately after this, it stated; "U...nder the Australian Plan we will pay up to $10,000 for Singles and $20,000 for Doubles." So I felt confident we could recover this additional expense just $170. I was wrong. Under the above information, after the PDS says "yes we will cover expenses from delayed or rescheduled flights", and "we'll pay up to $10,000 of expenses", was a list "oh but we won't cover it unless....your plane was hijacked, or crashed, or severe weather, or your travel companion died, or if you broke your 3rd toe in a helicopter accident on a Wednesday in May". Just searching the 68 page document for 'cancelled flights' was not enough. No. You need to read every single paragraph and even if the paragraph appears to end after saying how much they will cover and how huge the payout can be, they will then go on to explain exclusions. Many exclusions. And they are sometimes hidden under separate headings. It's not under Cancelled or Rescheduled Travel. It's not under Delayed or Interrupted Travel. It's under another heading "Additional Expenses" after the claim to cover all, up to 10,000 per single. Hidden. Very unclear. Devious even. Claim denied.
Booked travel insurance for domestic travel. Agent went to jail for fraud after we had paid our deposit. We thought great we have insurance. BUT NO they wriggled and wormed their way out of paying for our lost deposit. Underwritten by CGU Insurance. Biggest waste of money save your money. Not very helpful at all. Would not go through them again. Took 6 months of fighting with them and taking it to the Odbudsman for them to wriggle out on a very hidden clause in the PDF.
|Other Insurance Types Offered||Car, Health, Home and Contents and Pet|
|Underwriter||Insurance Australia Limited|
|Maximum Age Covered||85 years old|
|Overseas Emergency Assistance||Not Included|
|Emergency Dental||Not Included|
|Pregnancy (max weeks)||24 weeks|
|Resumption of Journey||Not Included|
|Hospital Cash Allowance||Not Included|
|Overseas Emergency Medical & Hospital Expenses||Not Included|
|Loss of Income||$4,500|
|Luggage & Personal Effects|
|Theft of Cash||Not Included|
|Credit Card Fraud||$500 as part of Travel Documents cover|
|Travel Documents / Passport||$500|
|Maximum Single Item Limit||$1,500 (Laptops or Cameras)|
|Luggage & Personal Effects||$2,500|
|Rental Vehicle Excess||$4,000|
|Motorbike / Moped Coverage||Included for any size|
|Domestic Pet Care||Not Included|
|Special Activities Packages|
|Snow / Ski||Optional Extra|
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