Original Message:
Sent: 10/3/2023 3:59:00 AM
From: Gianna
Subject: RE: travel insurance
Hi Michael, I am glaf you found a good option.
For me, Medibank Private, even with the 20% discount, was still $300 more expensive than Allianz.
------------------------------
Gianna
------------------------------
Original Message:
Sent: 02-10-2023 10:33
From: Michael
Subject: travel insurance
Gianna n T2D friends
After shopping around I found a wide disparity to the prices for the medical part of travel insurance.The most priceywas as much as more than twice the lowest even though the same questions were asked and answered.
In the end I bought the lowest one which surprisingly was a face to face purchase.
The best is to shop around
Thanks all for your contributions
Regards
Michael
Original Message:
Sent: 9/25/2023 3:51:00 AM
From: Gianna
Subject: RE: travel insurance
Hi Michael,
I am not sure if my comments are helpful. I researched travel insurances, not only based on cost, but also independent product reviews on line and friend's personal experience when they had to claim. All have product disclosure statements ranging from 45 pages to 100, and the exclusions are hidden in it. I read a few until my head exploded! My thoughts are that we do need it, but hope not having to claim!
My pre-existing conditions are luckily under control, however I have 10!
For 6 weeks in UK and Europe, Allianz quoted $1,700, others around $2,000, and Insure and go (I think) $4,500! (They call themselves 'competitive'! 🤣).
To me, Allianz seemed the best of a bad lot.
Also a friend had quite a seriours claim involving hospitalizazion and repatriation and was very happy with Bupa.
As other say, look at the underwriters, a lot of insurers use the same.
All the very best with your search.
------------------------------
Gianna
Original Message:
Sent: 23-09-2023 10:34
From: Michael
Subject: travel insurance
I have been a T2D for mor than 40 years and have never been an inpatient. Recently my GP changed my medication to further improve my BGL. This caused an adverse reaction leading to UTI and landed me in hosp twice. Problem solved but now on part insulin.
Will be travelling overseas week after and an online insurancequote for medical part of insurance found it prohibitive because of hospitalisation and insulin. Can any forum member recommend an understanding insurance agency that deals with T2D travels. Best of all is there an agency with an underwriter I can speak to as online ticking boxes can be brutal for quotes. My email michaelkoh888@optusnet.com.au
Tks
Michael
------------------------------
Michael
------------------------------