GoComprehensive Travel Insurance

Policy

Underwriter

Allianz Australia Insurance

Underwriter's financial strength rating

AA- (Standard & Poor's)

Phone

0800 553 550

Cooling-off period

2 days

Oldest age covered

No limit

Compare premiums

Calculator

Health cover

Overseas emergency medical expenses

Unlimited

Emergency dental treatment

$3000

Hospital cash allowance

$150 up to $4000 if hospitalised for 48hrs+

Ongoing medical expenses in NZ

Not available

Belongings

Depreciation

Purchase or replacement price for goods less than 2 years old

Luggage and personal effects

$25,000

Cameras and video cameras

$2500

Computers

$2500

Mobile phones

$2500

Other items

$1500

Theft of cash

$500

Travel documents

$3000

Delayed luggage

Up to $1500 (12hrs before allowance kicks in)

Bookings

Cancellation fees and loss of deposit

Unlimited

Resumption of trip

Up to $10,000

Liability

Personal liability

$2.5 million

Rental vehicle excess

$6000

Death and injury

Accidental death or permanent injury

$50,000

Funeral expenses

$25,000

Loss of income stipend

Not available

Pros:

As someone with several significant pre-existing conditions this policy was $1,800 cheaper than identical cover with Southern Cross. The base cost for both companies was much the same (although with Worldcare I elected to have no excess over the whole policy). The much higher cost with SCTI was for the pre-existing conditions. Very easy to complete the whole application on-line.

Cons:

No cons.

Recommend it?

Yes, I recommend this product.

Worldcare