(no subject)

[growler_south]

3 months travel insurance to the US only: $489 (after discounts)

12 months travel insurance to anywhere in the world including the US, on a frequent traveller plan: $560

Same coverage, except if you pay for a years frequent traveller you get to go anywhere in the world at any time without having to inform your insurer. One trip to OZ and I'm ahead.

Asleep yet?

Comments

[wenchwoman.livejournal.com]

Bloody travel insurance!

What company is it with? I do emergency/medical assistance for every insurance co in NZ bar Southern Cross, which we start working for later in the year.. in other words, i can tell you which ones to avoid!

let me know if you need some tips ;)

[growler-south.livejournal.com]

It's with Tower... (tell me that's good...!!)

[wenchwoman.livejournal.com]

Tower is good I guess, their claims department is small though so they take a while to confirm cover if its gonna be an air evac or anything [expensive! you wouldn't believe how much it costs...]

Just stick to these rules:

Deny alcohol/drug involvement [they legally cannot ask you to take a dope test. Ha!]

Tell them *all* your pre-existing medical conditions - anything you're getting ongoing treatment for or have had in the past 6 months. [Asthma would count, a cold wouldn't]

Keep all your doctors contact details handy

Make sure the Medical *and* dental cover is high - they usually cut off dental @ NZD1500 and even then a policy will usually only cover emergency relief of pain. [Shag a dentist & get it cheap!]

I can forward you a policy document tomorrow if you like?

[wenchwoman.livejournal.com]

Ahaha!

I forgot I had that icon.. it was meant to be a quote about drugs. Whoops!

[growler-south.livejournal.com]

They claimed over the phone that medical was unlimited, but who knows if that includes dental at all.. I should go check my policy from last year, but I'm too sleepy right now.

though I may go brush my teeth again.

[sinnabor.livejournal.com]

What's travel insurance?

[growler-south.livejournal.com]

It's a term meaning "Won't be left to die in a US hospital waiting room".

[sinnabor.livejournal.com]

Ah.... I was guessing it was something more like "Jackpot money for my parents if my plane crashes on a deserted island and I'm declared dead."

See, my horrible american health insurance already pays for medical treatment abroad, because of our vastly superior healthcare system. It just doesn't pay for very much.

[growler-south.livejournal.com]

travel insurance also covers missed or delayed flights, lost luggage, hire car insurance excess, lost or damaged personal items, public liability, consulate services... basically if anything goes wrong while youre teravelling, travel insurance will make sure you dont have to pay a fortune to extract yourself.