I have just got off the phone to our travel insurance co and am shock to find that ongoing medical treatment and expenses are not covered once you return home and only covered whilst overseas.
I ask about if the incident was a broken arm or leg or more serious with complications and the answer was the same,all ongoing medical expenses incurred resulting from overseas at home will have to be claimed through(In Australia)Medicare or private health insurance and not covered by travel insurance.
I know I am guilty of not reading all the fine print and cross checking but I cannot believe this?
I may have been misinformed but the insurance company rep was adamant that this is the case for all travel insurance.
The travel insurance we got was Asia pacific top cover(which covers Bali) Insurance through Mondial,underwritten by Allianz and purchased through Medibank private.
I have never made a claim and was only querying the company in case of ongoing complications with my wife as advised by our doctor.