Allianz "Trip Insurance" - Merry Xmas & Screw you

[tridacna]

It would help if we knew what kind of insurance you bought and the cost. This way we can learn. (And avoid).

 

[Kharon]

It would help if we knew what kind of insurance you bought and the cost. This way we can learn. (And avoid).

Allianz "trip" insurance, bought at the time of booking my flight through the airline website. Don't remember the cost. Was less than $100, I think. They presented it as great coverage for anything that happened to interfere with your trip. The truth was burried in the nearly unreadable (tiny), good awful long and complicated, fine print. Any "trip" insurance should be considered a total scam unless you have an attorney read the fine print and give their OK.

Oh, and I'm done with the topic. It just get's me irritated and having a just had a cardiac stent put in, getting PO'd isn't really appropriate.

 

[uncfnp]

I did contact all parties with mixed results. Flight to Bonaire was covered - though the check's still in the mail. Acomodations & vehicle on Bonaire a total loss. Flight Bon ==> Aru, still unsure, probable loss. Deposit on Aruba apartment can be applied to future rental. Vehicle on Aruba, miles reinstated for a fee of $65 - so a loss. Flight home was refundable. Oh yeah, the fee for the "trip" insurance was a loss as well since they didn't pay crap.

My take away - refundable flights and cancellable accomodations, and no more scam insurance.

You could also look at it was monies well spent. I know its tough to see it this way but I am thankful for you that this was found and fixed before the trip. Otherwise it might have been another dive statistic and an A&I thread on SB.

 

[tridacna]

Less than $200. OK - sounds like you got what you paid for. I hope that you heal well and get back in the water soon.

 

[JackD342]

Allianz "trip" insurance, bought at the time of booking my flight through the airline website. Don't remember the cost. Was less than $100, I think. They presented it as great coverage for anything that happened to interfere with your trip. The truth was burried in the nearly unreadable (tiny), good awful long and complicated, fine print. Any "trip" insurance should be considered a total scam unless you have an attorney read the fine print and give their OK.

Oh, and I'm done with the topic. It just get's me irritated and having a just had a cardiac stent put in, getting PO'd isn't really appropriate.

I would expect that a policy that is sold along with booking a flight, but does not include anything else booked at the same time, would not cover anything else unless explicitly stated and probably requiring a follow up. In my experience, when purchasing insurance for a single dive trip or through my dive travel agent, the full details and amounts of the reservation that is being covered need to be declared up front at the time of or shortly after the purchase of the insurance.

Glad you are doing better, and also on the plus side it sounds like you did get reimbursement for flights that probably substantially exceeded the cost of the insurance, so you did come out ahead versus a scenario with no insurance at all.

Hope more works out for you as you continue to follow up.

 

[Lorenzoid]

. . . However, as a friend found out the hard way, if you have a major medical event overseas, not dive related (assuming DAN dive insurance), and you do not have a good trip insurance policy, you can be financially crippled in a very short period of time.

I remember the story you are referring to. I have been buying GeoBlue medical insurance for most of my foreign travel.

 

[Kharon]

I would expect that a policy that is sold along with booking a flight, but does not include anything else booked at the same time, would not cover anything else unless explicitly stated and probably requiring a follow up. In my experience, when purchasing insurance for a single dive trip or through my dive travel agent, the full details and amounts of the reservation that is being covered need to be declared up front at the time of or shortly after the purchase of the insurance.

Glad you are doing better, and also on the plus side it sounds like you did get reimbursement for flights that probably substantially exceeded the cost of the insurance, so you did come out ahead versus a scenario with no insurance at all.

Hope more works out for you as you continue to follow up.

Yep. I call stupid on myself. I should have known - I do now.

Most of what I got reimbursed was due to the kindness of the rental on Aruba and the fact that I booked a refundable flight home. The flight covered by insurance was nominal compared to the losses. Oh well. A lot more aware next time. Though I was still stupid on my rebooking of this trip as I hadn't gotten the denial from the cancelled trip before I re-booked, so I bought insurance again. Bad on me. Wonder if I can cancel it.

If I wanted to have a whole trip covered - does anyone know of a company that provides an actual honest coverage for all costs of a trip?

 

[Kharon]

You could also look at it was monies well spent. I know its tough to see it this way but I am thankful for you that this was found and fixed before the trip. Otherwise it might have been another dive statistic and an A&I thread on SB.

I will certainly enjoy my re-booked trip more. I am feeling years younger and with cardiac rehab I should build my strength up. Last trip I started doing 3 dives a day. That soon devolved to 2 a day, and by the end of the trip I was down to a single dive some days. I thinking 4 dives a day, like I used to, for this trip.

 

[Kharon]

Less than $200. OK - sounds like you got what you paid for. I hope that you heal well and get back in the water soon.

Do you have any idea re. the usual risk amount vs the premium for car, home owners, etc. (in other words - non scam) insurance? The cost of the fare was under $500. So you think anything under a $200 premium is a good deal for a less than $500 risk. Not in my book. That is simply usury.

 

[tridacna]

Do you have any idea re. the usual risk amount vs the premium for car, home owners, etc. (in other words - non scam) insurance? The cost of the fare was under $500. So you think anything under a $200 premium is a good deal for a less than $500 risk. Not in my book. That is simply usury.

Actually you said “less than $100”. Also I (my attorney wife) actually reads the fine print when I buy premiums. Seldom surprized.