Travel Insurance Reviews

I have had success with two covid claims on an annual policy. Very happy and will use them again. Plus they insure me for some complex medical issues.

trip cancelled due to COVID - they wont reissue for same trip rescheduled in May 2021. have offered "as a gesture of goodwill" a prorata rebate - so for a $98 insurance cost I am supposed to be happy with $33 - which they will credit on my next insurance with them. I DON'T THINK SO. It was mentioned that as of January 2020 COVID was a known entity and any insurance purchased after that date would not be refunded. WELL IF YOU KNEW ABOUT IT THEN WHY DID YOU KEEP SEELING TRAVEL INSURANCE

I have used 1 cover several times and have never needed to claim.

Our cruise was cancelled due to Covid19
We were only offered a credit until 2021or a refund less "their expenses" which totalled $4600!
After the cruise was cancelled I suffered a serious knee injury which meant I could not have travelled anyway so made a claim on medical grounds.
After weeks of trying, I have yet to speak to anyone, just referred by voicemail to the web site. My emails are not answered. My request for a phone call to resolve the legitimate claim are ignored.
I will continue to pursue the claim but will never use 1 Cover again and would never recommend.
No wonder Insurance Companies have a bad name. Appalling!

Their treatment of clients is pathetic! They don't return calls or complaints...they have no regard for people - just try to get a refund or make a claim and see!

Over the last 3 months, I’ve been trying to get refunded the premium I paid for a policy I couldn’t use due to the COVID-19 PANDEMIC.
I phoned & emailed Insureandgo Sydney on multiple times. They just kept up the reply that my policy was past the 14 days cooling off period & there would be no refund.
After going through all the Insureandgo complaints departments over the past few months with out any success. It’s time to get serious.
I logged into www.afca.org.au & lodged a complaint against Mitsui Sumitomo Insurance Company.
I was appointed a AFCA Case Manager to represent me in my refund claim.
About 7 days later my case manager emailed me a reply, stating the Insureandgo would give me a credit on future travel insurance. I rejected that offer due to the unknown of future overseas travel & my health.
Another 7 days & they’re asking for my bank account details to transfer the full refund .
3 days later the money appears in my account.

So happy to find a company who is still willing to issue new policies during this trying time. We got the cover and peace of mind we needed.

A pandemic hits the world and this company decides to take advantage of their customers rather than support them. They are hiding behind travel credits that can't be used by the consumer. Due to go to europe for a particular event which is obviously cancelled. Tour was completely none refundable however with determination we were able to get a small amount from the tour provider. They then said we could have a credit against the 2021 tour but we can't go anywhere next year because of family reasons therefore making the credit null and void. However Budget Direct claim we haven't done enough to minimise the loss. Excuse me! We got a partial refund on a 100% non refundable tour and can't make changes in our life to prevent a loss to Budget Direct by taking a trip next year. A trip we just can't take. So now we have to take the loss. Disgusting company, never ever use. I

I remained committed to getting my unused policy refund due to the Corona Virus Pandemic from Insureandgo (Mitsubishi Sumitomo Insurance Company Limited).
The process started when the Australian Government put a ban on overseas travel.
Insureandgo was very repetitive in their responses with saying that your policy is outside the 14 day cooling off period, which means no refund.
After many phone calls & heaps of emails without any budging from Insureandgo, I decided to take the next step.
I applied online to the free service of Australian Financial Complaints Authority (AFCA) & was appointed a case manager.
The case manager took on Mitsubishi Sumitomo Insurance on my behalf.
Eventually after we had to push a bit harder, the full refund appeared in our bank account.
So the long hard road was rewarded in the end.
Good luck to anyone taking on “INSURE AND GO”

Worst insurance company I’ve ever dealt with. Claims process is arduous and broken. Their Facebook page is full of customer complaints of not being paid or receiving any service or empathy. We were offered a credit note by the overseas hotel we couldn’t get to (there’s a travel ban!) so they will not pay. Worst. Company. Ever.

Do not use Insure and Go they are refusing refunds and when you agree to a credit they kept 25% of our premium for doing nothing except rolling it over until when we can go, they are making extra money from the COVID misfortune of travellers

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.

Easily found cover that suited me through them for a good price. Covered everything I was looking for and more yep