In Reply to: Complimentary travel insurance posted by hotone on Tuesday, 4. December 2012 at 13:08 Bali Time:
I looked into the NAB one and it only covered $100 a day for a hospital bed, that won't go far in Bali.
My daughter has just had an op in BIMC and 1cover were great, only had to pay upfront for the first consult and by the time the op was booked the insaurance paid BIMC and refunded the consult charge.
In the bed next to her was a guy that had been attacked in the Gilles, face wound, chect and abdominal wound and long gash up the whole of his arm. He received stitches in Gillis and then came to BIMC for further treatment, in hospital for a week, ultrasounds and lots of pain killers. He had credit card insurance and they refused to pay, his credit card had been stolen in the attack and he was using his mothers credit card to pay the bill.
I think it depends on the bank but for a small amount of money I think I would like to deal with a company that pays your bills as they occur. Unless you have a $20,000 credit limit I would not use credit card insaurance.