TI that excludes medical?

[huwcar]

Hi Folks,

Does anybody know of travel insurance that excludes medical cover? I'd imagine that the "unlimited" medical cover offered by most of the policies is a fair chunk of the overall cost, and it's not something I need for my upcoming travel.

Cheers,

huwcar

[simongr]

So you just want personal belongings cover? You might be covered for that by your home contents insurance.

[huwcar]

Yes, I suppose personal belongs (ie luggage, clothes, camera, etc) as well as delays and other standard non-medical travel insurance coverage.

[RB]

With no medical cover watch out for trains, buses & uneven gutters!

[huwcar]

RB, myself and the Mrs are only going to be in countries that are covered by reciprocal medical care agreements between the UK and EU countries. We are both British citizens. In a time of belt-tightening it's just an expense we don't really need.

[fortymilliondaggers]

https://www.worldcare.com.au/select-a-benefit/

[Mal]

RB, myself and the Mrs are only going to be in countries that are covered by reciprocal medical care agreements between the UK and EU countries.

Something to consider - but is very unlikely to occur - is that if you became sick on a plane (eg appendix issue or similar "life threatening" issue), then the plane could divert to the nearest airport. This country may not have reciprocal agreements regarding health care.

A similar, but unlikely issue is that the plane has to divert somewhere for mechanical reasons, and thus a similar situation to above could occur in that location.

[huwcar]

FMD: That's a great pickup by you - on the surface it looks to be exactly what I want. Will investigate it and hopefully go through with purchase. You should get a commission

Mal: Whilst there are always (remote) possibilities I suppose insurance has to be weighed up in a cost v benefit analysis. I smiled at your example - it'd be a medical first if I had appendicitis again

[huwcar]

Thanks again FMD, after reading the PDS everything checks out and I have gone ahead with the purchase covering myself and the Mrs.

Notes for other travellers:
* Non-Australian citizens are covered as long as they're departing from and returning to Australia.
* Award seat bookings are covered in the form of equivalent monetary compensation for class booked.
* Cover is underwritten by Allianz Australia.

Cheers,

huwcar

[eyekew]

I rather be "looking at" the cost of travel insurance in case of a medical emergency / treatment in a foreigh country (other than EU, having dual citizenship) than '' looking for" the money to cover the foreign medical Bill