In Reply to: Travel Insurance quieries posted by Paseo on Monday, 9. January 2012 at 15:29 Bali Time:
I stopped using my private health insurer because they wanted that sort of money.
I mostly use tid.com.au (travel insurance direct) now and have also claimed a couple of times with them, one big one that they could have caused trouble on and didn't, and a smaller medical claim.
Far as I know their excess is $100 for all claims, medical or otherwise.
I put in a quote for your dates (16yr old is a dependant so 'free'. Using the discount code 'tidthanks' it came out as $146.70 - know which one I'd be going with : )