Rip-off travel insurance

Would rather use those free travel insurance covered by credit cards.Recently bought one with Insure and Go paying around AUD1200. For Australian residents, there is reciprocal health agreement between Australia and few foreign governments like UK, Italy, NZ etc. (free to us). When you buy this insurance, they expect us to go to these public system and join the long queues that is free to Australian residents anyway.We pay premium to "skip-the-lines" in attractions such as Vatican city, Louvre Museum and many others but are told to join the long queues in public systems. This is unreasonable and just a rip off! You have to pay unnecessary travelling costs and waste a lot of time waiting, in addition to language issues in public hospitals of non-English speaking countries. Also, I've provided travel itinerary and consultant don't tell you on this important clause. But when you are there and needing medical assistance, they will slap you with their PDS "Policy Disclosure Statement (PDS) that the "insurance will not cover private medical treatment where satisfactory public care or treatment is readily available in any country under any reciprocal health agreement between Australia and any foreign governments and we have agreed this is medically necessary." I would not have bought this insurance if I were informed of this when buying. There is no peace of mind and bring unnecessary anxiety when you buy this travel insurance thinking it covers all medical assistance. There is absolutely no value at all!

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