We travel to visit family, don't travel with valuable luggage, and our regular medical insurance covers us in Australia. What we need is a basic plan that covers trip cancellation, and emergency cover. Basically we have to buy way more insurance than we need to get this cover. It is impossible to rate an insurance plan unless you have the need to use it, which we haven't as yet. My past two experiences with making claims - once about 20 years ago for myself, and once about 10 years ago when my parents needed to make a claim - don't inspire much confidence in the insurance industry. The first claim never got settled, and the second one only got settled after 12 months of calls and letters when my parents discovered that they know someone on the board of the organization that they had gotten the insurance through. This friend called the organizations attorney who called the insurance company who finally paid up. Both cases were legitimate claims.
recommend this plan to a friend or relative.
5 people found this review helpful