On Tour is actually the name of the travel insurance products offered by AIG Insurance. I found this out when I clicked on the link to see more about the insurer and was then directed to the AIG website. Besides this fact, it is also written that they are distributed by eIBE.

On Tour’s product portfolio contains three different policies, intended for people traveling within Australia, internationally, as well as for those over the age of 70.

The plan that stood out to me the most is the international plan. But first of all, I should be clear that this plan is also known as the Frequent Travellers Aged Under 70 Years. So as the name implies, it is only available for people under the age of 70.

Policies can be bought out as single cover, family cover, or an annual multi trip plan. The benefits include unlimited cancellation fees, overseas medical and emergency expenses, which are pretty common. However some of the things that I found to be very unique were Home help, Financial default and Travel agent fees. These are things I have not seen before and thought would surely be very handy if something bad was to occur.

In regards to the domestic plan, again it is only for travellers below the age of 70. Single and Family cover can be taken out. The downside to this plan compared to the first plan is that it does not have any unlimited features, but considering that this policy was made for domestic trips, you wouldn’t really need any unlimited features anyway. Some of the features that I were very impressed though were luggage protection with a limit of up to $6,000, special events protection of up to $4,000, and many more.

And lastly, the third plan is the one made for traveller over 70 year old. To why this is the case remains a mystery to me, but in my opinion it probably has something to do with the higher risks matured travellers can attract, and therefore by separating the plans, policies would be able to be cheaper.

I thought it was very beneficial that this plan covers international travel, and contains things very similar to a single international plan. Examples of benefits are legal liability, rental vehicle excess and travel delays.

So no matter if you are going to Canada, Czech Republic, Finland, Malaysia, Korea, Italy or even the United States, On Tour is a company that you can surely rely on.

Health Care Insurance, also known as HCI, is a company that offers great health protection for families, couples and singles, as that was the impression I got when I reached their website. Looking into their history, I learned that they started out in 1938 as a value health cover that is not-for-profit. Another thing to note is that they are a company limited by guaranteed and governed by directors chosen by members.

The best thing about Health Care is that they have set out plans to match the different needs of each life stage. I found this to be very useful since they would have very likely calculated the likelihood of the features needed so ensure each of their policies include protections that are most likely to be used.

The first plan is made for families. Obviously, it is designed for you, your partners, and children as long as they are not married. The other plan is for couples, and this was made especially for people that are hoping to start a family in the future. The flexibly included in this plan are all very impressive. And lastly, the third plan is for singles. It includes all the things important to people like you, where you can combine Extras and Hospital, or only take out one.

Now in terms of the actual things you will be able to benefit in a hospital cover, I can say that it includes all the things that will give you confidence. For examples, some of the features that got me overwhelmed includes getting up to 100% of the cost of hospital accommodation, theatre fees, surgically implanted prostheses, hospital prescriptions and many more. Also, you are able to choose your excess option level, which I thought is a very good thing. Your excess can be as low as $250 and high as up to $2,000.

For those interested in getting extras cover, there are three options; Premier, Essential and Select. As implied, the Premier offers the most things. Some of the benefits that I thought would be very worth wile to mention are dietetics, eye therapy, funeral, hearing aids, psychology, quit smoking programs and even travel and accommodations.

For those that wants to get the best protection, combined packages are also available under different packages.

After going through everything offered, I am pleased to say that Health Care Insurance had surely proven their quality. If you would want to see what they have to offer, feel free to visit their website.

Chi offers travel insurance underwritten by Allianz, one of the most well-known companies in Australia, not mentioning the most trusted as well. However the one thing that really caught my eyes is that it is stated on Chi’s website that they are one of the oldest travel insurers in Australia. Whether or not this is true, I don’t know, however if it is true, it would imply they would have many years of experience in the industry and would therefore be able to issue quality policies. On the side note, I do see that they have a list of attractive plans that travellers will be able to choose from.

One way to prove that Chi really cares about their customers is that they have a list of updated travel news on their website that may affect people going away. They include information about airport closure, government shutdowns, as well as natural disasters like earthquakes and floods. I found this feature to be very useful and would no doubt benefit their customers in more ways than they can imagine by helping them avoid possible unfortunate events.

Plans come in two categories; Traditional and Basic. And under each of them included further plans such as comprehensive, domestic, medical & liability, frequent traveller and more. One reason why I thought this was attractive is that there would be a high chance you will find a cover to suit your needs, and also because there are so many choices, you can also be guaranteed to be able to find a policy that is affordable.

For example, I discovered that getting a Medical & Liability policy would be a great way to get an affordable policy and only be insured against the things more important to you; your health and liability.

Regardless which plan you choose, the summary of benefits are all pretty similar. This was evident inside their brochure PDF that I downloaded from their website. Some of the features that I found to be very worthwhile are travel services provider insolvency, additional expenses, loss of income, luggage and personal effects, delays, and many more.

In terms of pre-existing conditions, I was happy to see that Chi have provided a list of pre-existing medical conditions that may be covered. The list includes eczema, hay fever, rosacea, gastic reflux and many more. It is not every day you will be able to find an insurer that offers such an extensive list.

In search for a one-stop-shop insurance provider, I came across SGIC Insurance. Going through their products and services, I was impressed at how they made insurance protection simple and easy to understand. Getting into details, I see that getting a quote, paying premiums and processing claims are as easy as 1-2-3. Their customer service team supports all queries and for me this counts a lot.

There are downloadable policy booklets that one can refer to regarding details of a policy, how premiums are computed, discounts, and everything else a client may need to know. I checked the stability of this company and found out that SGIC is part of Insurance Australia Group (IAG), a very prestige organisation which is operating in Australia, New Zealand, UK and Asia.

SGIC’s car and motorcycle insurance product portfolios were amazing. You can choose from basic to the most complex coverage that can secure you and your family’s safety as well as third parties. I like the way they presented the different features of each vehicle insurance products so the choice will be easy to decide.

I would give a high praise on Veteran, Vintage & Classic insurance. This product allows you to insure old cars. Comprehensive plus is also a recommended product as it has unlimited hire car in circumstances when your car is stolen or damaged.

SGIC’s boat insurance is one of the best insurance coverage you can get for your precious boat. Your precious possession can be safe and secure in water. And this is what you want in order to have a peace of mind.

Caravan and trailer insurance products are a must-have for persons or business institution. While these vehicles are in the field, proper insurance coverage should be in place and SGIC makes sure they provide coverage per needs. On-site caravan, touring caravan and trailer insurance covers accidental death among the few features in it. Theft is also one of the common incidents on these large vehicles so I was glad SGIC included it.

I do believe that securing our home from calamity is a must and SGIC’s home insurance products are just perfect. Whether you own a home, rent or are a landlord, SGIC has insurance coverage that will protect your property in any option you want. It’s like tailored fit for you. Home building, contents, building & contents and home plus insurance are just a variety of insurance coverage that you can look at. If you are just renting, renter’s contents insurance is just right for you. Landlords also can get coverage through landlord insurance. In any of these choices, SGIC makes sure you get the protection you desire.

If you are engaged in a business, it is better if you can get insurance coverage that will protect your business from unexpected circumstances. SGIC offers different insurance products that will support the business protection we desire. Retailers, hospitality, professionals and financial services, home business, farmers and motor traders insurance are available product, which as you can see is a lot.

Travelling is fun and to complete the security of it, SGIC has the best travel insurance plans. Whether you do your travel for personal or business reason, you can always rely on SGIC’s travel insurance products. I was glad that several plans are available, depending where you are going and the level of protection you are seeking.

RACV is one of the insurance companies in Australia. Looking at their product portfolio, I am pleased at how they have designed their insurance packages to suit their clients’ needs and budgets. On top of their best customer service are plenty of discounts, and premium payment can be made on a monthly basis.

Car and motorcycle insurance are one of our must get insurance product as we are in our vehicles more than half of our times. You may like to get coverage from basic third party property insurance to a complete care comprehensive insurance. But the best option I suggest is to get the complete care insurance as it is a total protection package which includes, but limited to, car hire when accident or theft incident happens. And RACV makes sure your pets inside your car will also be taken care of. Another good product is the third party, fire and theft car insurance. It provides market value coverage of your precious vehicle. Your old cars as old as 1919 models can also be insured through veteran, vintage, and classic vehicles which I thought was very great.

As we invest our money and memories in our home, RACV provides home insurance products that will take care of our beloved homes and anything in it. RACV makes sure that both our home and the contents inside can be insured though their combined home buildings and contents insurance, which I honestly think is worth the premium payment. Did you know that landlords can also get landlord insurance? This insurance covers rent default and continuous rental income should the house ever be livable due to damage. Renters can also protect their belongings by getting the renter’s insurance.

Travelling can be so stressful however RACV has the right travel insurance product to fit our every travel. Whether you travel locally and oversees, RACV has domestic and international insurance you can get. If you are a frequent traveler, SACV also has this annual multi trip insurance for you.

Farmers and their properties can also be insured at RACV through farmers insurance. This insurance caters the specific needs of farms. The farmer can insure his farm, machinery and house and contents within the farms premises which I believe can give a complete peace of mind.

Caravan or trailer insurance and boat insurance are also available. These precious possessions need to be covered as well from natural calamities, theft and other deemed disasters. For your caravans, the coverage can be on a moving or stationary vehicle through a touring caravan or trailer insurance and onsite caravan insurance. RACV makes sure it has the right insurance for you.

RACQ is Queensland’s best insurance provider as per my research. I was interested with the insurance products they offer and learned that this company makes insurance payments flexible as you can pay in monthly mode.

In any of their insurance products, they cover for events like flood, fire, storms, cyclones and other catastrophic incidents. Once an RACQ member, you are privileged to different discounts and freebies. Most importantly, you get assistance 24 hours a day, 7 days a week through their call center agents.

RACQ protects our cars through their wide range of car and motorcycle insurance products. Their comprehensive insurance is most recommended as it covers you and third party damages at the highest coverage and gives up to 15% discount on premiums paid. The third party insurance and compulsory third party insurance (CTP) are available as well for third party insurance coverage.

You have an option to include on the coverage fire and theft incident through their fire, theft and third party insurance and I salute this feature. But what I liked most is the classic, vintage and veteran vehicle insurance. This makes sure my old cars also get protection.

Another good product of RACQ is the unique vehicle insurance. This is recommended for car savvy vehicle owners who spent much on re-modeling their cars for beauty. In any choice you make, RACQ makes sure you get the highest customer service they can offer.

Protecting our home should be one of our priorities and RACQ has a wide range of home and contents insurance to offer to us. If the protection you need is concerning your home only, you can get the home insurance product. However, I strongly recommend you to get the combined home and content insurance. And even if you are just renting, you can still get the renters insurance to protect your belongings. By the way, I also noticed that RACQ can give insurance protection to our pets through pet insurance. This insurance can be bundled with home insurance.

RACQ also covers caravan and trailers through their caravan insurance. Owners of caravans, camper trailers, horse floats or box trailers should think of getting this insurance coverage for protection. In any way, these vehicles cost is very high and losing them through accident or catastrophe is just not worth it.

Boat insurance is also available at RACQ. RACQ understands that protection to boats is very important especially when it is on water, either for pleasure trip of owner or business dealings.

Body corporate insurance from RACQ covers damages from buildings, common contents and legal liability insurance. I recommend businesses to have this coverage.

RACQ also has products to protect us while we travel through their travel insurance products. There are choices from affordable essential international insurance through an expensive but fully loaded coverage from premium international insurance. If you travel frequently and have already scheduled your 12 months trip, RACQ can offer you coverage through the annual multi trip insurance which is cheaper.

For local travelers, RACQ has domestic comprehensive insurance. What makes RACQ unique was that they also have domestic cancellation and it saves a lot of money getting this coverage.

If you become an RACQ member, you can avail many discounts and assistance like airport parking, accommodation, driving oversees and many more. I really recommend you check this company for any insurance needs you may have.

For your full insurance protection needs, be it life or non-life, I recommend MLC as it is the best provider of products and services. As I ran through their products and their 120 years of giving Australia their insurance coverage, my confidence in dealing with this company strengthened.

MLC Insurance is offered with a variety of product portfolios. One great product is their life cover insurance as it is a complete insurance package for life protection and covers terminal illness and accidental injury among its few features. MLC also has the critical illness and total permanent disability insurance which tackles and handles coverage when an insured gets sickness. Optional coverage can be chosen depending on budget. Accidental death is one we cannot predict and MLC has this accidental death insurance to protect us financially if we die through an accident.

Another MLC great product that caught my attention is the income protection insurance as this covers earning replacement if you cannot go to work due to illness or injury. This can come with the child critical illness insurance which helps to protect your finances if your child gets sick and dies.

For businesses, MLC has the business expense insurance that allows reimbursement of expenses if one is unable to work. If you want to keep your insurance even if you’re disabled and cannot work and cannot pay the premium, MLC’s premium waiver insurance is the right product for you. It waives your premium payment until the age of 65 if you are disabled, and until 12 months if you are retrenched from work. Medical practitioners are also considered by MLC in designing their insurance products. Occupationally acquired HIV and Hepatitis B or C infection insurance is available.

MLC is engaged in providing loan insurance products to its clients. NAB mortgage protect will be a good choice in protecting your mortgage repayment in case you die, become disable or retrenched from work. The MLC personal loan cover is for coverage of outstanding loan balance of maximum $80,000 and loan repayments of $5,000 if you are disabled or unemployed. On both products, it is commendable that MLC do not require medical exam or age limit. Acceptance of your policy is automatic.

General insurance products for your home and car are also available from MLC. What impressed me is that MLC allows you to cover home and contents through their home and contents insurance. Car insurance for our treasured cars is also in the list of widely acquired insurance from MLC. And residential investor’s insurance can also be availed.

If you are dealing with groups of people in your organisation, MLC can cover your entire team through its group insurance products. There is a wide range of coverage that you can choose from depending on your budget and desired coverage.

Nowadays, finding a reliable insurance company is difficult. But I tell you, choose an insurance company that has been in the insurance business for the longest time as this will prove their credentials. And MLC has lived with this portfolio of length of service and customer satisfaction. To MLC, I salute your team.