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舊 2013-12-29, 08:05   #16
Mike
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Thanks for the insight.

Just couple of my own experience:
Refund of flights, accommodation, car hire expenses are usually fully covered if you have a genuine legitimate reason to cancel your trip, doesn't matter whether your flights, hotel bookings are refundable or not, even cancellation charges are claimable. (Last time I made a claim, I got full refund even for the ski season pass that I bought 6 months before the season start).

Try to avoid buying insurance on-line, contact your insurance broker eventough the quote might be a bit dearer. You can check the coverage with the agent direct. When you have to make a claim you are dealing and reasoning with a human not a machine.
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舊 2013-12-30, 15:06   #17
syk23
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Cupoon,

Sorry to hear your story. Get well soon!
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舊 2013-12-30, 22:27   #18
cppoon
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作者: Mike 查看文章

Try to avoid buying insurance on-line, contact your insurance broker eventough the quote might be a bit dearer. You can check the coverage with the agent direct. When you have to make a claim you are dealing and reasoning with a human not a machine.
I don't have any issues with getting insurance online and I could have checked the coverage by calling up the company (and get confirmation in writing) anyway. Personally I have more faith in the wordings of the PDS and fine prints than the agents' words.

The person who processed the claim called me to sort everything out after I asked for clarifications on the figures. So I was dealing with a real person when making the claim even though the policy was bought online.
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舊 2013-12-30, 22:37   #19
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Lesson Learnt 2: Money Matters

I usually rely on the ATMs for cash whenever I go overseas (while there are exceptions, but not in NZ). This trip was a bit unusual because my friend found out that she has forgotten the PIN for her card a couple of days before the trip and could not get it reset in time (long story). Thus I drew spending money for the both of us while we were in NZ.

There were lots of uncertainties when we found out that I have to be sent off to a hospital pretty far away (about 2.5hr drive away). The two of us quickly decided that I would leave most of the cash with her and I kept about NZ$10 with me. The rationale was that it would be unlikely for me to use cash in the hospital before she would come and pick me up and I can always draw money using my ATM cards if needed (it’s more expensive for her to get cash with credit cards). I have to admit our abilities of decision making in a rush were hampered by pain, drugs (for me) and stress (for both of us).

Well, as I was in the hospital until after our scheduled flight left, that was the last time I meet my friend face-to-face in NZ. The decision of not holding onto any cash turned out to cause some unnecessary stress in the end.

My first hint of trouble [with money] was surfaced at the end of my session with the physiotherapist. She mentioned “We usually lend crutches to patients who need them. Since you’re not from here, you have to buy them. A pair of crutches is going to cost $60.”
“Does the hospital take credit cards?”
“No. But the cafeteria downstairs has EFTPOS facility so may be you can draw money from there.”

I didn’t think much of it for a couple of days until a nurse and I tried to use EFTPOS in the cafeteria a day before I was discharged. No, it did not work. One of the nurses ended up smuggling me out of the hospital and drove down to an ATM to get money for my own crutches.

This little incident highlighted a point everyone knows : Even in this age of electronic fund transfers and credit card transactions, cash is king when you are in unfamiliar territories. In hindsight, as it was reasonable to anticipate I’d have mobility issues, it was obvious that I should have kept the cash with me when the two of us were split.
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舊 2013-12-30, 22:38   #20
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作者: syk23 查看文章
Cupoon,

Sorry to hear your story. Get well soon!
Thanks, it's much better now.
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舊 2014-01-01, 07:04   #21
B2L2
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Good lesson for everyone to remember. Thx for sharing.

- Brian
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舊 2014-01-01, 09:21   #22
Mike
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作者: cppoon 查看文章
Lesson Learnt 2: Money Matters

I usually rely on the ATMs for cash whenever I go overseas (while there are exceptions, but not in NZ).
I never draw money for cash using the ATM while abroad. As you said, CASH $$$$ is king.
Drawing money from your credit card is very expensive, drawing money from your own bank account using the ATM is cheaper but you have to pay bank charges and inferior exchange rate.
http://thepointsguy.com/2013/07/avoi...veling-abroad/

There was an article in the Daily Telegraph on this subject (if you have a UK bank account):
http://www.telegraph.co.uk/finance/p...sh-abroad.html
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舊 2014-01-18, 20:52   #23
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Drawing money from your credit card is very expensive, drawing money from your own bank account using the ATM is cheaper but you have to pay bank charges and inferior exchange rate.
My friend ended up needing to draw cash using her credit card. She did not plan to do it but did not have much choice when coming down to it.

Apart from trips to SE Asia (just took cash to change there) and Japan (lack of ATM accepts international cards so I took cash), foreign banknotes I bought ahead of the trip always ended up more expensive than the cash from ATMs (or the best case - roughly the same).

It’s a combination of cards not charging additional fees and my lack of luck in the foreign currency market. I got hit by the adverse changes in exchange rates EVERY TIME I drew foreign banknote prior to my trips. I gave up after a while as the result . Moreover, it feels more secure not carrying too much cash.
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舊 2014-01-18, 20:56   #24
cppoon
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Lesson Learnt 3: Communication

I deliberately disabled the global roaming on my phone before leaving home and opted not to get a local SIM card in NZ. The rationale was all our accommodations had free WIFI and our family can contact us at our hotels in case of emergency. It is only a short week-long trip after all and why should we worry over telecommunication?

The lack of mobile phone was OK till I was discharged from the hospital then it became a little bit inconvenient.

There were a number of times that a lack of a mobile number proved to be mildly irritating. However, I had a major meltdown at the airport. There were a number of contributory factors leading up to the episode featuring me sobbing uncontrollably for a good few hours. It’s a long story and the chaos at the public phones in the terminal in the wake of the flight cancellation did not help.

Trust me, having a working mobile (and internet) becomes much more important than usual when you have very limited mobility and in difficult situations.


此篇文章於 2014-01-22 18:05 被 cppoon 編輯。. 原因: typos
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