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We have all probably heard of it happening in the broader insurance company community whereby the Insurer deliberately creates delays and generally makes it so hard for the consumers to pursue legitimate claims that the claimants eventually give...
We have all probably heard of it happening in the broader insurance company community whereby the Insurer deliberately creates delays and generally makes it so hard for the consumers to pursue legitimate claims that the claimants eventually give up. Going on our own personal experiences and by looking at so many other similar instances documented on this site, it is very apparent that Budget Direct are the masters of employing these tactics. We lodged our claim for international flight refunds (flights cancelled by the airline)then followed up several times when nothing happened and were then asked to submit "additional" information (which we had already previously submitted) then chased up again and again. After months of deliberate delays our claim was rejected as the airline, South African Airways (SAA), have offered to anyone holding a cancelled ticket a "credit" against future travel. However as the trip for us was a one-off and we will never be flying long-haul again due to our age and health reasons (further complicated by the advent of Covid 19). Additionally SAA have been placed in something akin to Receivership with the SA Government making a recent commitment to inject funds some funds into a new national carrier. SAA announced that they will not be flying into Australia and have already sold the only planes that were capable of flying that route. So even if we were wanting to fly again we could not use the so-called credit for a flight out of Australia. As a result of all this we then asked that the rejection be reviewed by a Manager/Team Leader in accordance with Stage One of the Budget Direct Dispute Resolution. We were promised written determination within ten business days and then fifteen business days but nothing ever happened well beyond that period. No contact, no apologies just silence. Now after further urging from us we today received an email saying the claim is still rejected even though we had comprehensive cover but we can further challenge the decision by going to Stage 2. Here is how Budget Direct summarised things: "Given the above information, we are only able to provide coverage for items which you are unable to recover from any other source and you must take all reasonable steps to reduce your loss which could possibly lead to a claim. As you have been offered credits for the bookings you are claiming, this is considered as recovering the costs from the source and accepting these is considered a step which you could take to reduce your loss. Therefore the costs are outside the scope of the policy." Apparently according to Budget Direct it doesn't matter that the offered "credit" cannot be used by us or the fact that SAA are unable to provide anyone future flights from Australia it is simply a matter that the airline has made an offer and we according to Budget Direct's interpretation are obliged to accept a worthless offer. Go figure......... So don't be fooled by the cheap insurance quote you may get from Budget Direct as its real value will only be exposed if you have to make a claim. Our strongest recommendation to anyone considering using Budget Direct is DON'T USE THEM AS THEY ARE TOTALLY UNETHICAL.
Ian, Queensland, reviewed 3 days ago
At age 76 had an opportunity to travel to the UK. First time overseas. Along comes Covid-19 and of course all overseas travel was cancelled, not by me. Contacted InsureandGo saying that I was prepared to take a raincheck for possible travel same...
At age 76 had an opportunity to travel to the UK. First time overseas. Along comes Covid-19 and of course all overseas travel was cancelled, not by me. Contacted InsureandGo saying that I was prepared to take a raincheck for possible travel same time 2021. Told that was not their policy and also was not eligible for refund. This is not right and I bag them at every opportunity.
Elizabeth, Victoria, reviewed 3 days ago
Insure and Go are without a doubt the worst insurance company I’ve ever dealt with. If anyone is even thinking about giving them your business, read all the comments on their Facebook page. There’s no smoke without fire. There is a consistent...
Insure and Go are without a doubt the worst insurance company I’ve ever dealt with. If anyone is even thinking about giving them your business, read all the comments on their Facebook page. There’s no smoke without fire. There is a consistent theme behind all these stories in the comments that clearly displays their overall attitude to customers and it’s nothing short of disgusting. They are unresponsive and their claim process is a joke. First blame COVID, then won’t pay because the overseas hotel issued a credit note. A credit note for a hotel we cannot get to because of an international travel ban.
Steve, New South Wales, reviewed 15 days ago
I purchased travel insurance before the COVID-19 warning appeared on their website. Could not travel due to government forbidding overseas travel. No refund allowed. Given the run around. When I need travel insurance in the future, I'll avoid this...
I purchased travel insurance before the COVID-19 warning appeared on their website. Could not travel due to government forbidding overseas travel. No refund allowed. Given the run around. When I need travel insurance in the future, I'll avoid this insurer and associated entities.
Anna, Queensland, reviewed 15 days ago
I am pleased to advise that Australia Post Travel Insurance has changed their cancellations policies and has now refunded my money in full. It was a long, frustrating and laborious process to get to this good outcome but well worth persisting with...
I am pleased to advise that Australia Post Travel Insurance has changed their cancellations policies and has now refunded my money in full. It was a long, frustrating and laborious process to get to this good outcome but well worth persisting with contacting the company to get the refund. I’m not sure if I would use Australia Post Travel Insurance again in future but will be asking a lot more questions before purchasing travel insurance from anyone in future.
Paul, New South Wales, reviewed 15 days ago
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
Planning a nice long vacation now that you’re retired? Whether it’s an overseas reunion with old friends, a luxurious European river cruise or a trip to Fiji with the grandkids getting the right travel insurance cover will ensure your holiday is both memorable and worry-free!
Before purchasing travel insurance it really is important to take into consideration a range of factors, not just your age. To help you make sure you cover off all the seniors travel insurance essentials we’ve listed some frequently asked questions that’ll help you shortlist the best travel insurance policy for your vacation.
The basic terms and inclusions of seniors travel insurance and regular travel insurance are similar but as a senior your policy will generally be more expensive than someone who is younger.
There are some travel insurers that offer policies exclusively for seniors and these may have higher medical limits or cover more pre-existing conditions that regular travel insurance.
Depending on your holiday, age and personal requirements, you can choose from the following types of seniors travel insurance:
It will depend on the condition and the insurer. Many travel insurance providers cover a range of pre-existing conditions as part of their standard cover. Mozo can help you to narrow down the travel insurance providers and policies that offer cover for your specific condition. At the results page of our quote tool, there is a list of common conditions. By checking the filter your results will then be resorted to only show you travel insurance providers that cover for that condition.
If you have a pre-existing medical condition, make sure that the provider is aware of it when you complete your application and read the product disclosure statement carefully to ensure you meet the requirements.
The good news is that there are some travel insurance policies that will cover you up to 100 years old. Every insurer will have a different age limit for their policy. Luckily, you’ve come to Mozo and by completing the information about your trip and your age we’ll be able to narrow down the insurance options for your specific age.
Just like regular travel insurance, it’s also a smart idea to buy seniors travel insurance as soon as you’ve booked your trip. Depending on the policy you buy, this can protect you against any emergencies or last minute changes to your holiday plans. The cost of insurance doesn’t go up if you buy it in advance because you just need to pay from the time your trip actually starts till the you get back home.
While there are some things like a generous medical cover and cancellation allowance that are good to have for any kind of a trip, there are other useful inclusions that you can look for depending on the kind of trip you have in mind. Here are some of the standard as well as extra features that you can look for in a seniors travel insurance:
Medical cover: A generous (ideally unlimited) medical cover is one of the most important things to look for in a seniors travel insurance policy. Let your insurance provider know of any pre-existing medical condition so that you know if it’s included in the cover or if you need to pay a little extra for it.
Cancellation fees: Flight and holiday cancellations can happen at the last moment for multiple reasons. Whether it’s because of the airline or you can’t go ahead with the travel plans for personal reasons, if you’ve got the right kind of insurance policy, you will be covered for the cancellation cost.
Cruise cover: If you’re planning to take off on a luxurious cruise, you must look for a policy that includes the relevant cover. Medical emergencies on the sea can be very expensive if you’re not covered simply because transportation costs can go up to thousands. The right kind of policy will cover the cost of transport from the cruise to the nearest hospital and other medical expenses. Cruise cover will also make you eligible for covers for lost luggage and cancellations.
Sports: Whether you’re planning to spend your holiday time playing golf or you want to try something a little adventurous, a cover for sports related injury as well as sporting equipment will let you enjoy the trip a little more knowing you’re taken care of.
Domestic services cover: In case you injure yourself while you’re traveling overseas, certain kinds of seniors travel insurance policies can also cover you for domestic chores for a period of time. Won’t that be a blessing!
This is simple - use Mozo’s travel insurance comparison calculator to shortlist the best seniors travel insurance policy suited to your holiday plans. You’ll just need to plug in a few details of your travel plan, for instance, your destination, the duration of your trip and if you’re looking for an extra cover. Once you’ve got a shortlist of potential providers, it’s helpful to read reviews from real people who have used these policies for an unbiased opinion. Mozo has compiled a number of travel insurance reviews, which could give you a better insight into the policy you are considering. In case you still have some more questions, you can check out our detailed seniors travel insurance guide for more information.