I use Chartis. Took the annual travel insurance. RM350+ like that.

I get my Chartis travel insurance from my insurance agent.

If I don't go for lots of trips in a year, I'll just arrange for her to get it done a few weeks before I travel. Count by the days and place I travel to. But if like this year, I've been travelling quite a lot, then I just get one year travel insurance. Cost about RM350+ or so for the whole year.

^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.

^Make sure the travel insurance that you choose covers hospitalization and medical expenses also.

I travel at least 4-5 times a year and do lots of scuba diving. I bought Chartis Annual Travel Insurance, includes theft, hospitalization, flight delay/cancelled, trip cancellation, luggage lost, etc. I have to add another package to include coverage for leisure scuba diving. Do check if the insurance you pick will cover the hikings.

Make sure you bring your travel insurance card/documents along with you cause if the amount is big and no prove of insurance, some hospitals might not want to provide treatment.

If small amount, just pay first then claim after you come back.

Ooh okay. Thanks for the info. I was actually gonna buy Chartis Annual insurance today since going to Manado this weekend. Will look into AXA. Thanks!

Edit: Called up AXA (03-21667777) and already purchased their SmartTraveller annual insurance gold plan, total RM320 nett for area 3. Their customer service staff was not very friendly and she was quite reluctant to answer my questions when I first called to enquire about their plan. But the other staff that help me process my purchase was very friendly and I got the confirmation documents thru my email 5 minutes after I got off the phone with him.

Tried to purchase online but the online thingy only supports IE up to version 8.0 so no choice, I called them up direct.

This post has been edited by munkeyflo: Oct 15 2012, 04:30 PM

Get other travel insurance. Don't have to bother about AA travel insurance.
Travel insurance will count how many days you are travelling and also the region where you are travelling. For some of us that travel a lot, we buy the annual package. For those who travel only once in a while, you will pay for how long you want. Contact your insurance agent or check out some travel insurance websites.

When I used Chartis, I bought thru my agent. Now I've changed to AXA and you can purchase it via online or over the phone, just have to provide your credit card details and they'll email you the details within an hour.

There's a whole thread about it.

https://forum.lowyat.net/index.php?showtopic=2891182&hl=

This post has been edited by munkeyflo: Sep 20 2013, 04:22 PM

For AXA, just call them faster. You'll get your policy on your email few minutes after you end the call with them.

I manage to find out how to install IE 8 on windows 7. Just google it. Have to uninstall some updates or something.

Their website was done few weeks ago but it's back up now and can get the discount too.

Basically any travel insurance also can. They are roughly the same.

Recently my domestic flight in Philippines got cancelled and that caused me to miss my flight back to KL as well. I got the airline to print out a letter stating that the flight got cancelled. The airline put me on the next available flight and settled all connecting flight with no extra charges. The delay was about 17 hours to reach KL.

When I went back, I fill up the claim form for travel delay and flight misconnection. Emailed them the claim form, the domestic and international flight boarding passes, the two flights booking itineraries, the delay letter, copy of my passport and stated my policy number. Got back few hundred bucks from AXA for the whole thing with no further questions asked.

It's not that expensive for less than 7 days. Most likely below RM50 only. Just go for any travel insurance that you think is good. Or check with your credit cards to see which one provides travel insurance if you purchase the trip with the card.

None that I know of. If I were you, I'd just bring my credit cards and travel insurance policy documents. Swipe first then claim later.

Most of the time, for this sort of thing, they just require you to provide the bank statement without your transactions, which is mostly the top part of the statement only.
Which shows the bank name, your name, and account number.

Where are you heading to?

Just go to any insurance company that sells travel insurance. Pay per trip.
I go with AXA. You can purchase it online.

Pretty much the same with buying with flight ticket I guess. If you fly a lot, just get annual insurance. Also note that some insurance don't cover domestic travel, so check before you buy.

I've claimed AXA for baggage delay recently. And last year for flight cancellation and misconnection.

Both times I just filled up the form and email them together with all the documents required. I just scan and email to them. Few working days later, I get an email reply saying my claim has been approve and the money will be credited into my account in a few days time. Whole process takes about less than 2 weeks working days to be done.

Just call up any travel insurance company and ask them about it.

That's the best advice you can get. Directly from the source.

Within 2 weeks max la. For my recent claim, I submitted for claim on 4th April afternoon by email. Receive confirmation that they receive my email on 5th morning. On 7th, I receive email saying my claim has been approve and it'll take 3 working days to credit the amount to my account. 9th and 10th was the weekend, I got my money on the 11th.

Make sure your policy covers USA. Usually it's a higher premium to cover US.

AXA is pretty good. Plus can do everything online.

Well. It's America. Usually the premium is higher.