In Reply to: Travel insurance advise please posted by beclab on Thursday, 26. April 2012 at 20:25 Bali Time:
that just like any insurance things are hidden. Check to see how much your excess is, ours is $200 per claim. If you do not all travel together, leaving on the same date and returning on the same date you are NOT all covered. Some have dependent children as under 20 and some under 21. Some dont cover for pre exisiting ailments. Some companies are only open Monday to Friday. I found this with ours.
Having looked into ours and we have a Goldcard it is still cheaper to go with onecover and pay an extra $25 and have no excess if we have to make a claim.
There is no such thing that your insurance is free because you have a creditcard, you have paid somewhere for it. But like any of them are they any good.
One thing is forsure that as soon as you book your tickets you must get travel insurance. Same story if you can't afford insurance you can't afford to travel.
Hope this helps.