每年最少旅行三次的话，还是annual的比较划算
xmlzj

这种订票间隔太短或航空公司内部问题
旅游保险保不了哈。
和出现延误的航班直接联系商量补偿。

旅游保险主要保障, 非人为原因, 比如机场大雾, 自然灾害,
当地暴动引起的航班延误或取消。

还有行李相关遗失延误
海外医疗
人身意外伤害
以及紧急运输等情况。
希望有回答清楚。

谢谢回复
xmlzj

Misconnection不能claim？
首先谢谢您的回复。但是不太明白为什么保险不cover这种情况下的misconnection
这个转机行程在南航官网上可以订到，而且跟南航客服也询问过，在航班正常的情况下没问题。
国际转机最短时间一小时也确实是南航官网承诺可行的。
那么保险不正是想要去保障航班不正常（比如未能准时抵达）而造成的misconnection吗？
如果保险不cover的话，您知道应该去查看保险条文里的哪部分吗？再次感谢。

查到了一个保险条例中关于Misconnection的说明
是Citibank网站找到的AXA Travel Insurance
http://www.citibank.com.sg/gcb/insurance/pdf/AXA_PW_Draft.pdf

SECTION 28 – TRAVEL MISCONNECTION
If You missed a scheduled Public Transport, of which You have a confirmed booking, at the transfer point due to the late arrival of Your incoming confirmed scheduled Public Transport and no alternative onward transportation is made available to You within three (3) hours of the actual arrival time of Your incoming Public Transport, We will pay You up to the limit specified in Section 28 of the Selected Plan.
Details of the misconnection must be obtained and verified in writing by the operator of the Public Transport or its handling agent.

比如从旧金山经广州转飞往新加坡，那这个说明里“the late arrival of Your incoming confirmed scheduled Public Transport”是指第二段行程即“广州飞新加坡”吗？（因为有incoming这个词）还是指第一段即“旧金山飞广州”？（因为有arrival这个词）

你好，
首先如果是因为转机1个小时内， 没办好下一个航班的登机手续，我个人理解是因为自己订票时间间隔太短而导致的没赶上下一班，应该不会拿到保险的赔付。

另外如果是南航的飞机真的延误了（这个要拿到延误的理由），合同文字里面也提到了，产生延误的航空公司无法安排6个小时内的下一程航班，这样保险会赔付200块 or 500块（估计还是找延误航空公司安排下一程机票比较重要）。

文字如下：

SECTION 30 - TRAVEL MISCONNECTION
In the event that Your confirmed onward travel connection whilst Overseas is missed at the transfer point due to the late arrival of Your incoming confirmed connecting scheduled Common Carrier, or any land, water or air conveyance operating under a valid license in the country that You are in which is chartered or arranged as part of a tour (but always excluding taxis and/or private cars), and no onward transportation is made available to You within 6 consecutive hours on Your arrival, We will pay You compensation up to the limit applicable to the Selected Plan under Section 30. This benefit is payable only once for each Trip out of Singapore.

We will not pay under this Section if Your in-coming Common Carrier, or land, water or air conveyance operating under a valid license in the country that You are in which is chartered or arranged as part of a tour (but always excluding taxis and/or private cars) was scheduled to arrive after the stated check-in time required by the connecting Common Carrier.
N.B. This Policy will only pay for any claim under any one of the Sections 29 or 30 for the same event but not for more than one of the Sections.

Section 30
Travel Misconnection
Premier $500
Superior $200
Classic $200

应该是指旧金山到广州。
misconnection不是那么容易claim倒是真的。

谢谢您的回复
我在CITIBANK和DBS网站上找到的Travel Insurance（分别是AXA和MSIG承保）的保险条例里并没有看到您列出的这段。

We will not pay under this Section if Your in-coming Common Carrier, or land, water or air conveyance operating under a valid license in the country that You are in which is chartered or arranged as part of a tour (but always excluding taxis and/or private cars) was scheduled to arrive after the stated check-in time required by the connecting Common Carrier.
N.B. This Policy will only pay for any claim under any one of the Sections 29 or 30 for the same event but not for more than one of the Sections.

这个可以理解为是不同保险公司政策条例的区别吗？真正去claim的时候是以相应保险公司的政策为准的对吧？如果没在保险条例里说明，是否可以理解为没有这个限制呢？（当然，我觉得既然南航自己推出这个航班行程和相应承诺，应该是合理的吧，也不算是scheduled to arrive after the stated check-in time required by the connecting Common Carrier）

谢谢回复，我也觉得应该是指旧金山到广州这段
嗯，保险最concern的部分其实就是claim时的靠谱和便捷。

翻了下华新论坛上以往关于旅游保险的讨论，有一位网友说千万不要选AXA，说是claim时没人理。相反，有几位网友提到了DBS的Travel Shield（由MSIG承保）。但CITIBANK网站上提供的Travel Insurance（AXA承保）似乎确实更多保障（相同价位甚至更便宜）。所以在纠结怎么选。。。

我放的条款是AIG的
你可以综合比较下，
其实保险不光看条款，正如你说的，索赔的时候的口碑反而有时候更重要。