QUOTE(lowlowc @ Oct 10 2017, 09:50 PM)
Interesting.. actually repair will usually more troublesome than buying a new one. Have to take it to the shop we buy, then wait for months for it to be done from manufacturer.
Thank you for telling about the depreciation, I didn't know about that and have been curious how the insurance reimburse the luggage. Sigh.. from traveler point of view, the cost is not about the damaged luggage, more the cost they have to fork out to buy a new luggage. But of course, insurance can't make money if they reimburse a new luggage . I just asked my friend for her previous case, she sent the luggage for repair but it's beyond repair. She pestered the problem back to insurance, and in the end they sent her a low range luggage to replace instead of reimburse money. She told me, if she know this takes so much trouble, she would have rather not claim.
I got the above quote from AXA brochure.
Time for me to keep scan copies of all receipts for items I buy for traveling.
Thanks for detailing the claim process. Did you submitted the claim only upon back in Malaysia, or called their assistance number to inform upon discovery of theft?
One more question, say I book flight and hotel today 10/10/2017 for travel 1/3/2018 - 5/3/2018. Say if I buy the travel insurance today too, detailing the travel dates. Anything that happens between now and the departure date; say diagnosed with medical conditions that disallow me to travel, or family member's death. Can this be claimable for flight and hotel cost that are non-refundable?
Recently I just cancelled a trip (booked Nov16, travel date Sep17), due to family member's serious illness. After going through long process with airlines, I got 20% of my flight fare (which airlines said it's goodwill) and 100% airport taxes. Lost a lot of money because I didn't buy the insurance the very moment I book the flight. I have the habit of buying it 3 days before depart. Do you think if I had bought a travel insurance (separately) on the same day I booked flight, I would have been able to avoid losing money?
Submitted only when I return to Malaysia. You'll have to submit your return flight boarding pass everytime you submit a claim. It's very important that you DO NOT THROW AWAY your boarding pass (both going and return) until you return to Malaysia and the whole trip completed without any issues. It's also good to keep boxes of your personal stuffs, it's a proof to say that you owned the item. This also useful for your own house insurance if your home was broken into. Sometimes the insurance company will request for photos of this. Thank you for telling about the depreciation, I didn't know about that and have been curious how the insurance reimburse the luggage. Sigh.. from traveler point of view, the cost is not about the damaged luggage, more the cost they have to fork out to buy a new luggage. But of course, insurance can't make money if they reimburse a new luggage . I just asked my friend for her previous case, she sent the luggage for repair but it's beyond repair. She pestered the problem back to insurance, and in the end they sent her a low range luggage to replace instead of reimburse money. She told me, if she know this takes so much trouble, she would have rather not claim.
I got the above quote from AXA brochure.
Time for me to keep scan copies of all receipts for items I buy for traveling.
Thanks for detailing the claim process. Did you submitted the claim only upon back in Malaysia, or called their assistance number to inform upon discovery of theft?
One more question, say I book flight and hotel today 10/10/2017 for travel 1/3/2018 - 5/3/2018. Say if I buy the travel insurance today too, detailing the travel dates. Anything that happens between now and the departure date; say diagnosed with medical conditions that disallow me to travel, or family member's death. Can this be claimable for flight and hotel cost that are non-refundable?
Recently I just cancelled a trip (booked Nov16, travel date Sep17), due to family member's serious illness. After going through long process with airlines, I got 20% of my flight fare (which airlines said it's goodwill) and 100% airport taxes. Lost a lot of money because I didn't buy the insurance the very moment I book the flight. I have the habit of buying it 3 days before depart. Do you think if I had bought a travel insurance (separately) on the same day I booked flight, I would have been able to avoid losing money?
I think this is claimable. Unable to travel with legit reasons or something. I'm not too sure about this so its best you call AXA directly and enquire about it. Airlines usually don't do refund unless you are the one having the illness and you have a doctor's letter to say you are unfit to travel. Airport taxes are usually refunded 100% less admin fees even if you no show for no reason.
It really depends on the insurance you buy. I don't really know much about insurance per trip cause I buy my travel insurance annually (it's not that much if you travel a few times a year). AXA Annual cheapest also like below RM150 a year only.