VHI Multi-trip Or AIB Multi-trip Travel Insurance

madmoe

Hi all,
Just wondering if anyone knows which is the best between AIB multi-trip insurance at €43 and VHI multi-trip at €49. I am going to China at the end of this year and a few places next year so may as well get a multi-trip poilcy. I am leaning towards AIB simply because it is cheaper but I also get 500 Piggypoints if I sign up as well, I know it would be foolish just to base my decision on these but they are helping ;-)

Anyone ever had the AIB one, how good is it? I am a VHI subscriber so maybe the VHI route is the best way to go?

Cheers,
M

junkster12345

myself and my partner had vhi cover for when we went to thailand, we got a couples discount, i think it was 69 euros could be 79, im not really sure,so if you have someone going with you and they are a vhi member then take up that package, i was speaking to a girl that i work with and she said she got travel insurance through her union in her factory that she works in, so if you are a union member then look into it that way as well, the union is t.e.e.u.

we never needed to claim from our vhi insurance so how good they are i dont know,

anyway mate happy travelling !

mikedragon32

You may need to look at the details of your insurance (or prospective insurance) to see what's right for you, as you may not be comparing like with like. All sorts of things can vary, eg: What's actually covered, excess and god knows what else.

Personally I have VHI and needed to make a claim for my wife when we got home from holidays this year. It was dealt with very quickly and with a minimum of fuss.

madmoe

Thanx for that guys.

M

20 Times 20 Times

I went traveling with my girlfriend and cut a long story short her INTERNET insurance (AXA) didn't cover her , lucky for us her mam never canceled her VHI and these guys are the best and the most supportive offering to fly us home etc. When i get insurance i get VHI and i would recommend everyone on doing so, stuck in Thailand been told "were not covering you" like we were is NOT GOOD.

Colonel Sanders

mikedragon32 wrote: »

Personally I have VHI and needed to make a claim for my wife when we got home from holidays this year. It was dealt with very quickly and with a minimum of fuss.

Fair play, I had to make a claim for a small amount and it was like trying to get blood from a stone. They initially refused to pay (thay had actually dealt with my claim under the wrong section and the exclusion they quoted wouldn't have excluded the claim in the 1st place. The rebuttal letter also made no sense as it completely contradicted itself). i rang them about it and was basically told 'sorry about that but it makes no odds as you're claim isn't covered anyhow'. I wrote them a snotty letter quoting their terms and conditions and exclusions under the section I claimed under and asked them to please explain how my claim wasn't covered. I was paid eventually after threatening them with the insurance ombudsman. 2 other people i know have claimed from them and had similar experiences. One wrote back after a claim rebuttal and was told they had completed a 'full and thorough review' of his claim but couldn't compensate him for the loss of his camera (he'd actually claimed for loss of a pair of sunglasses!!)

My dealings with VHI when claiming under my health insurance have been pretty much A1 but nowadays travel claims are dealt with my a crowd called 'Europ Assistance' (no idea if that was the case when you claimed mikedragon) and they are a different kettle of fish altogether.

As has been pointed out by someone else make sure you read the policy terms and conditions before you buy. Some of the VHI T&Cs are pretty restrictive. Also in the event of loss or theft of any personal items you need a police report dated within 24 hours of the incident taking place

Section 12 - Personal luggage

“ Within 24 hours of the incident, you must report loss of Personal luggage to the local police or to the carrier as appropriate, or to your hotel or accomodation management, or to the tour operator representative

You must produce to us written documentation from one of the parties listed above confirming that the loss or theft occurred during the trip – otherwise no claim will be paid. "

Make sure you are aware of all these caveats before you travel.

madmoe

Cheers again guys.

M

madmoe

Hi again guys,
Still not decided on this. Does anyone have any experience on claiming on an AIB travel insurance policy?

Cheers,
M

madmoe

Am about to go with AIB. Has anybody had any experience claiming from their travel insurance?

Cheers,
Mark

The46A

The reason why VHI Multitrip is so cheap is because what it offers is very limited. We were unfortunate enough to get stuck in Portugal for seven weeks when my wife suffered three broken ribs. Despite telling us over there that we would be able to claim back ALL our legitimate medical expenses they refused to pay the €900 claimed stating that the limit was €500. We spent over €400 calling them from mobile phones and getting contradictory advice each time. It was a nightmare. We made several complaints and the service just got worse and worse. One day a "nurse" rang my wife and told her she was perfectly able to travel and that she was going to book us on a Ryanair flight the following day! We had just come back from a Specialist who said that under no circumstances could my wife fly for four more weeks. Avoid VHI at all costs. EuroAssist who are based in the Netherlands and deal with part of the claim are, on the other, very pleasant, professional and efficient. But for all cover read the small print and the limits they set.

dog-man-star

Just ordered VHI insurance today, wish I read this before doing so.
Wasn't sure who else to go to.

madmoe

I am thinking about going with www.multitrip.com for my parents (in their 50's) for a trip to the USA next week.

Anyone any experience with them?

enzo7

Colonel Sanders wrote: »

Section 12 - Personal luggage

“ Within 24 hours of the incident, you must report loss of Personal luggage to the local police or to the carrier as appropriate, or to your hotel or accomodation management, or to the tour operator representative

You must produce to us written documentation from one of the parties listed above confirming that the loss or theft occurred during the trip – otherwise no claim will be paid. "

.

this is actually standard with all travel insurance not just vhi, anyway im looking for good mulit trip insurance too as my current one is up.

last yr i used the ulster bank one, never again would i use them i got my bag stolen in spain last summer so sent off my claim everything in order 6wks!! later i got a letter from them asking for a certin form i rang them up and said i had enclosed it with everything else (which i know for a fact i did as i kept a photocopy of everything for my own record). which i explained to ,anyway she just turned on me and and laided into me down the phone she called me a liar ect. and to send on the form and stop wasteing her time!!! she had me in tears!!! so couple hrs later when i composed myself i rang back dreading she would answer the phone but luckly got a nice woman told her my storey she was horriffied and what happened that morn ect. she said that the form was missplaced and id need to send it in again i said that was no problem the only prob i had was been called a liar and made cry that morning, anyway to make a long storey short it took them another 2mths to pay out after more letters/phone calls and i only got half what i was intitled to but at this stage i was sooo sick of them i just accepted it so i didnt hav to deal with them for another second. im just glad id only got personnel things stolen not actually been ill or hurt. anyway looking for reccomendations?

rat_race

Avoid VHI. They're a bunch of undertrained monkies. It's not worth the hassle dealing with them.

mikedragon32

rat_race wrote: »

Avoid VHI. They're a bunch of undertrained monkies. It's not worth the hassle dealing with them.

Zombie thread. Locked.
FWIW, I've used them for years. When I've needed them, they've been fantastic.