Travel Insurance
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 Aug 23 2011, 08:34 AM
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Senior Member
656 posts Joined: Feb 2009 
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If you do not travel often and only go on those package tours, it may be more convenient to get the travel insurance for the duration of your tour from the travel company that you are going on tour with. Most are agents for some major insurance company, just make sure they are recognised ones. I think the coverage and premiums are pretty much the same so may not save much if you hunt around for the best deals.
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Aug 23 2011, 11:39 AM
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Junior Member
300 posts Joined: Mar 2006 From: Negeri Di Bawah Bayu 
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Bought travel insurance from MSIG and lost my iPhone during my trip to Melbourne last month. Thought i could make a claim but was told that they do not insure loss of cameras, mobile phones etc.
 Gotta blame myself for not reading the fineprints, but then again.. who will expect one would lose her mobile phone during a trip?Does AXA cover loss of phones and cameras? |
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Aug 23 2011, 08:33 PM
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Staff
2,797 posts Joined: Nov 2007 From: On the beach
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^Usually lost baggage by airline can claim. But lost phone, I'm not sure.
Anyway, if you really did lose your phone, you'll have to make a police report and then only you can make the claim. If you got no police report and just tell them you lost your phone, they won't bother. Even if you lost your wallet or got robbed, you'll have to make a police report in order to claim your insurance. |
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Aug 24 2011, 11:42 AM
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Junior Member
300 posts Joined: Mar 2006 From: Negeri Di Bawah Bayu
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Yup understand that. I called MSIG to ask whether phone was stolen can claim anot they said cannot so i didn't bother to file a police report. But i'll make sure my next travel insurance covers these small small things.
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Aug 24 2011, 01:03 PM
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Junior Member
427 posts Joined: Jul 2006
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QUOTE(Argiope @ Aug 24 2011, 11:42 AM) Yup understand that. I called MSIG to ask whether phone was stolen can claim anot they said cannot so i didn't bother to file a police report. But i'll make sure my next travel insurance covers these small small things. HTH. This is for AXA VIP Smart Traveller. Handphone & other belonging should fall under the highlighted portion. QUOTE 3. What are the covers / benefits provided? This policy under VIP plan covers: Accidental death and permanent disablement Child education fund Medical, hospital and other expenses Compassionate visitation benefit (due to hospitalization of the Insured Person) Alternative medicine Compassionate visitation benefit (due to Insured Person’s death) Child care benefit Medical treatment in Malaysia Hospital allowance Quarantined cover as a result of pandemic influenza Emergency medical evacuation and repatriation Repatriation of mortal remains Baggage and personal effects Personal money and documents Baggage delay Travel delay Loss of deposit or cancellation Travel curtailment Travel overbooked Travel misconnection Hijacking inconveniences Missed departure Travel reroute Loss of deposit or full payment due to insolvency of airlines Loss of credit card Personal liability Home care benefit Rental car excess cover Ransom payment as a result of kidnapping & hostage. Edited to add: All loss has to have police report from the country you are visiting. Once you have the police report, can submit it to claim with your policy. This post has been edited by Shazzac: Aug 24 2011, 01:05 PM |
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Aug 24 2011, 05:14 PM
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Junior Member
300 posts Joined: Mar 2006 From: Negeri Di Bawah Bayu
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Yup i thought it falls under personal belongings too until they showed me this.. So guys, check your policy carefully.
» Click to show Spoiler - click again to hide... « |
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Dec 2 2011, 04:49 PM
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Senior Member
12,696 posts Joined: Aug 2008
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Supposedly your flight got cancelled and the airline put you on the next available flight, do you get compensated for travel delay? Let's see how many people it right.
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Jan 17 2012, 08:57 PM
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Senior Member
5,580 posts Joined: Jan 2005
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Guys,
Airasia is offering their travel insurance, GoInsure if I am not mistaken. Since my credit card is offering travel insurance as well if I charge air ticket to my cc, should I consider to buy this GoInsure? Does it like redundant? Let say, GoInsure pay RM100 for every hour delay to our original scheduled time while my cc also pay the same rate, can I claim from both of them which mean I will get RM200 for every hour delay? Another situation, GoInsure pay for delay flight. If my flight has been rescheduled (they call/sms/email/inform a week/2 weeks in advance) from original time, say, Oct 10 at 10am to Oct 10 10pm. 12 hours different. Can I file a claim for this case? Thank you. |
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Feb 26 2012, 03:10 PM
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Junior Member
283 posts Joined: Jun 2009
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Hi guys,
Serious question: I flew to Manila recently, and on the flight back, I was stopped from flying due to red eye. As a result, I had to seek medical treatment in Manila, but worst of which was that I had to spend an additional 4 days in a hotel resting my eye, until it recovered enough for me to fly back. After I went back, I checked with my flight insurance (yes I bought travel insurance attached to the flight ticket), and also my credit card travel insurance, but none of them seem to allow me to claim for the 4 days of accommodation. Questions: 1. do you guys know if this accommodation is claimable? 2. do you know which travel insurance will cover such situations if this happens again the future? 3. do you know what the procedures are to make such claims? Appreciate it a lot! Thanks, Mark |
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Feb 26 2012, 04:32 PM
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Moderator
3,542 posts Joined: Jan 2003 From: Puchong, Selangor  
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Mostly the accommodation means wad un;ess they arranged? Well, I'm not sure too
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Feb 27 2012, 10:10 AM
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Junior Member
283 posts Joined: Jun 2009
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QUOTE(stimix @ Feb 26 2012, 04:32 PM) Mostly the accommodation means wad un;ess they arranged? Well, I'm not sure too looks like cannot claim... insurance sucks when you pay extra to get false sense of security. |
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Mar 1 2012, 05:20 PM
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Newbie
1 posts Joined: Mar 2012
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Hey guys, I was wondering if anyone knows good travel insurance to buy? I came across travel insurance clubs to join, as a mobile phone application, on myTravelSOS? My wife and I are going to Spain for a couple of weeks this spring, and need to join one of these insurance clubs. Each one offers a great deal on travel medical and legal insurance, but I'm not sure which one to join. The cheapest one costs about 15 dollars. I googled other travel insurance, and couldn't find any that offer legal insurance as well as a virtual personal assistant. If anyone has information on cheaper travel insurance that has the same features, or if you have experience with myTravelSOS insurance and have advice for me, I would greatly appreciate it.
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Jun 4 2012, 10:37 PM
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All Stars
26,528 posts Joined: Jan 2003
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I have purchased AirAsia Insure Return Cover for International but am confused over their policy (attached). The insurance covers accidents occured during the flight/inside airport only, or within the travelled country too? Please help. Thanks
Attached File(s) 
Malaysia___Return_International.pdf ( 421.14k )
Number of downloads: 127 |
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Jun 5 2012, 09:45 AM
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Junior Member
5 posts Joined: Dec 2006
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QUOTE(Human Nature @ Jun 4 2012, 10:37 PM) I have purchased AirAsia Insure Return Cover for International but am confused over their policy (attached). The insurance covers accidents occured during the flight/inside airport only, or within the travelled country too? Please help. Thanks Looking at the attached policy:In the event of an Accident happening during the Trip, if the Insured Person suffers bodily injury which results in his death or disablement, the Company will, subject to the exclusions, limitations, provisions and terms of the Policy, pay compensation as provided in the Table of Compensation below while the definition of "Trip" refers to the period between the Commencement of Cover and Expiry of Cover. Hope it helps |
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Jun 5 2012, 09:48 AM
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All Stars
26,528 posts Joined: Jan 2003
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QUOTE(xytan @ Jun 5 2012, 09:45 AM) Hope it helps Hi, thanks alot for this.  |
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Jun 5 2012, 05:22 PM
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Senior Member
12,696 posts Joined: Aug 2008
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There is no point asking which insurance is best if nobody every claimed from that insurance company before to know how good/bad they are.
So it would be better to ask, who has made a insurance claim and how's their experience. |
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 Jun 5 2012, 07:01 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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QUOTE(Optiplex330 @ Jun 5 2012, 05:22 PM) There is no point asking which insurance is best if nobody every claimed from that insurance company before to know how good/bad they are. Claimed once for a trip fellow to Macau.So it would be better to ask, who has made a insurance claim and how's their experience. All luggage arrived, except his. Check with airline luggage counter (lost/unclaimed counter). They check/call and confirm luggage still in KL. Next flight is confirmed next day, so ... yahoo! full claim  Remember to get a form/letter from this counter to acknowledge the luggage is delay, and when collect the time, there is another/same form/letter, for you to submit for insurance claim. Very important. Read the fine print, there are roughly 3-levels of claim: 1) Less than 2-4 hours = RM200 2) 4-6-8 hours = RM400-600 3) >6-8 hours = max RM600-800 So, we go shopping for everyone, of course the receipts must be valid/reasonable. Cannot simply taruh also, although most are in Chinese words or hand-written. The person manage the buy RM400+, the rest utilise by other members. Come back, call agent. Submit claim. Max full claim within few weeks  |
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Jun 20 2012, 04:37 PM
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Senior Member
5,691 posts Joined: Mar 2006
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Just wondering,
If I already have sufficient (I guess) medical/hospitalization cover from my existing insurance plans (that also cover overseas), does it really make sense to buy a separate travel insurance? Cos I see all the T&C, the biggest covered things are medical/hospitalization (which I already have coverage). And refund of tickets/hotel booking if trip is cancelled, but this is only when the trip is cancelled due to like death, natural disaster, etc etc. Bags coverage even if lose luggage also don't get that much money re-imbursed  |
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Jun 20 2012, 05:18 PM
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Elite
1,269 posts Joined: May 2005 From: Kuala Lumpur
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QUOTE(deodorant @ Jun 20 2012, 04:37 PM) Just wondering, If I already have sufficient (I guess) medical/hospitalization cover from my existing insurance plans (that also cover overseas), does it really make sense to buy a separate travel insurance? Cos I see all the T&C, the biggest covered things are medical/hospitalization (which I already have coverage). And refund of tickets/hotel booking if trip is cancelled, but this is only when the trip is cancelled due to like death, natural disaster, etc etc. Bags coverage even if lose luggage also don't get that much money re-imbursed  Your current insurance can claim hospitalization fees on oversea? There are so much other are covered like overbooking, miss connecting flight etc etc. |
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Jun 20 2012, 06:22 PM
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Newbie
0 posts Joined: Nov 2010
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QUOTE(cute_boboi @ Jun 5 2012, 07:01 PM) Claimed once for a trip fellow to Macau. Read the fine print, there are roughly 3-levels of claim:All luggage arrived, except his. Check with airline luggage counter (lost/unclaimed counter). They check/call and confirm luggage still in KL. Next flight is confirmed next day, so ... yahoo! full claim Remember to get a form/letter from this counter to acknowledge the luggage is delay, and when collect the time, there is another/same form/letter, for you to submit for insurance claim. Very important. Read the fine print, there are roughly 3-levels of claim: 1) Less than 2-4 hours = RM200 2) 4-6-8 hours = RM400-600 3) >6-8 hours = max RM600-800 So, we go shopping for everyone, of course the receipts must be valid/reasonable. Cannot simply taruh also, although most are in Chinese words or hand-written. The person manage the buy RM400+, the rest utilise by other members. Come back, call agent. Submit claim. Max full claim within few weeks 1) Less than 2-4 hours = RM200 2) 4-6-8 hours = RM400-600 3) >6-8 hours = max RM600-800 Which insurance gives this level of claims? The one I buy only RM200 for 6 hours. RM400 for 12 hrs Thanks |
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