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Here’s a breakdown / comparison of travel-insurance offerings from **TIC**, **Hollard**, **Allianz**, and **Chubb**, based on their covers, strengths, and potential trade-offs (for South African travellers, where applicable). Use this as a guide, but always check the *specific policy wording* and get a quote for your trip — the right choice depends a lot on your travel profile (how long, how often, age, destinations, risk etc.).\n\n---\n\n## Comparison: TIC vs Hollard vs Allianz vs Chubb Travel Insurance\n\n| Feature | **TIC (Santam)** | **Hollard Travel** | **Allianz Travel (SA)** | **Chubb Travel (SA)** |\n|---|---|---|---|---|\n| **Underwriter / Provider** | TIC is the travel-insurance brand under Santam in SA. citeturn0search6turn1search1turn1search10 | Underwritten by The Hollard Insurance Company. citeturn0search14turn0search12 | Allianz Global / Allianz Assistance in South Africa. citeturn0search10turn1search0 | Chubb’s South African travel-insurance product. citeturn0search3turn1search8 |\n| **Medical / Emergency Medical Cover** | Very strong: up to **R 120 million** for medical and related expenses. citeturn0search2 Includes hospitalisation, evacuation, repatriation, dental, quarantine. citeturn0search2 Pre-existing condition hospital cover (for certain ages) too. citeturn0search2 | Comprehensive medical cover included; also 24-hour medical helpline / assistance. citeturn0search0 Covers medical emergencies overseas, repatriation, legal liability, etc. citeturn0search12 | Good medical cover: their single-trip policy covers “Emergency medical and hospital expenses abroad.” citeturn0search10 According to Allianz’s single-trip plan, they offer up to **R 9,000,000** for medical emergencies. citeturn1search4 But note: they may exclude “existing medical conditions” unless declared/waived. citeturn0search10 | Very strong: “unlimited” emergency medical & related expenses on their higher tier (for some plans). citeturn0search3 They also cover evacuation / repatriation, dental, pre-existing medical conditions (in specified categories). citeturn1search2 |\n| **Trip Cancellation / Curtailment** | Yes — TIC offers “international journey cancellation / curtailment” cover. citeturn1search10 Limit depending on plan. For example, the leisure plan lists R 30,000 for cancellation or curtailment (some tiers). citeturn1search10 Policy assumes cancellation for *unforeseen* events. citeturn1search1 | Very flexible; Hollard offers cancellation, delays, missed connections, and even “Cancel For Any Reason” (CFAR) on some products. citeturn0search11 Their policy wording shows cancellation cover, curtailment, and also business-travel variants. citeturn0search12 But: some “financial default” insolvency cover (e.g. airline bankruptcy) has been limited / withdrawn for certain suppliers. citeturn0search1 | Allianz: their trip cancellation benefit is up to **R 90,000** (depending on policy) for certain covered reasons. citeturn1search0 Their coverage includes trip interruption, delay, cancellation for specific causes. citeturn1search5 However, not “cancel for any reason” by default — only certain reasons are covered. citeturn1search0 | Chubb: their standard cover includes cancellation, curtailment, disruption. citeturn0search3 For annual multi-trips, cancellation / curtailment benefit is up to **R 40,000** (depending on plan). citeturn1search8 |\n| **Luggage / Baggage Cover** | Yes: TIC covers loss, delay, theft of baggage (depending on plan). citeturn1search10 | Yes – cover for baggage, personal belongings, travel documents, money. citeturn0search12 | Allianz covers lost, stolen or delayed baggage. citeturn0search10 | Chubb also has baggage cover, including delayed baggage, personal money, documents etc., depending on the plan. citeturn1search2 |\n| **Personal Liability / Legal** | Yes: TIC’s leisure plan includes personal liability cover. E.g. R 5,000,000 in their leisure plan. citeturn1search10 | Yes: Hollard travel policy includes personal liability cover. citeturn0search12 | Allianz: yes, they include personal liability in their travel cover. citeturn1search4 | Chubb: has large personal liability cover. For example, for some plans R 25,000,000 is mentioned. citeturn0search3 |\n| **Duration / Trip Limits** | Policy limit: Up to **365 days** for travellers under 70; 70–85 years: up to 90 days. citeturn1search1 | Hollard’s policy wording: cover starts when you leave SA; must have booked return (or valid schedule). citeturn0search12 Age limits, etc., apply. citeturn0search12 | Allianz: Single-trip cover up to **90 days**. citeturn1search11 Their annual multi-trip policy: multiple trips, but no one trip > 92 days (or 90 depending on source). citeturn0search10 Age limit: policies available up to 85 years. citeturn0search10 | Chubb: Single trip max 90 days; if over 70, max 62 days. citeturn1search6 Annual multi-trip: up to 90 days per trip, maximum 180 days per year. citeturn1search8turn1search7 |\n| **Pre-existing Medical Conditions** | TIC: some policies cover pre-existing medical conditions (hospitalization) up to certain age. citeturn0search2 | Hollard: their comprehensive or business cover sometimes includes certain pre-existing conditions. citeturn0search14 But you must read their policy carefully (“specified” conditions etc.). | Allianz: more restrictive. Their policy excludes *some* medical conditions: “The policy does not cover claims relating directly or indirectly to any existing medical conditions,” unless declared/waived. citeturn0search10 | Chubb: “Specified pre-existing medical conditions automatically covered” in their standard cover. citeturn0search3 (though check which conditions qualify, and age) |\n| **Add-ons / Optional Extras** | Covers leisure sports automatically in some policies (e.g. TIC: leisure sporting activities covered). citeturn0search2 | Adventure / business: their policy has “business cover” and you may need to check for specific adventure sports. citeturn0search12 | Allianz: they have optional “Sport Cover” (e.g. winter sports) for extra premium. citeturn0search10 | Chubb: very modular. Add-ons include: Winter Sports, Hazardous Activities, Sports Equipment, Rental Vehicle Collision Damage Waiver. citeturn0search9turn0search3 |\n| **Age Limits** | For international journeys: under 70 for 365-day, 70–85 limited to 90-day. citeturn1search1 | Hollard: For standard cover up to 70 years. Their senior / special cover may go higher (policy dependent). citeturn0search12 | Allianz: up to **85 years** for their travel insurance. citeturn0search10turn1search11 | Chubb: 6 months to 69 years for most plans; seniors 70–79 covered for some plans. citeturn0search3 |\n| **Strengths / Pros** | - Very comprehensive medical cover.
- Good cancellation / curtailment options.
- Strong personal liability.
- Local / South Africa-based, familiar claims process. | - Flexible cancellation cover; CFAR option.
- Good medical cover + 24h assistance.
- Many policy options (business, leisure).
- Well-known local insurer. | - Well-known global brand.
- Good medical + trip-inconvenience coverage.
- Annual multi-trip for frequent travellers.
- Easy online purchase. | - Very high medical cover (unlimited in some plans).
- Modular / flexible add-ons.
- Good for frequent travellers (annual multi-trip).
- Strong liability, evacuation, pre-existing cover. |\n| **Trade-offs / Things to Watch** | - Some exclusions / limits (e.g. certain destination exclusions) — check policy. citeturn1search1
- Excesses / deductibles might apply in some cases.
- Very long trips for older travellers limited by age-based duration. | - “Financial default” / insolvency cover may have limitations (e.g. airline default) as per their policy updates. citeturn0search1
- CFAR increases premium.
- Some high-risk travel or manual labour may need careful checking.
- Must carefully check age-based limits. | - Cancellation cover has a maximum (not unlimited) — e.g., trip cancellation up to R 90,000 per their policy. citeturn1search0
- Pre-existing medical cover is limited / may be excluded in many cases. citeturn0search10
- No refund if you return early. citeturn1search11 | - While medical is strong, other covers (like cancellation) have upper limits depending on plan.
- Annual multi-trip policy has a cap on days (180 days/year). citeturn1search8
- Optional add-ons cost more.
- Must check exactly which “pre-existing” conditions are automatically covered vs excluded. |\n\n---\n\n## **My Analysis & Recommendations**\n\n- **If your priority is *medical protection while traveling*** (especially overseas): \n - **Chubb** is very attractive because of its very strong medical / evacuation cover, particularly on its top-tier or “Superior” plans. \n - **TIC** is also very good, and might be more straightforward if you’re based in South Africa, with good local support.\n\n- **If cancellation risk is a big concern** (you might need to cancel / curtail your trip): \n - **Hollard** is strong here, especially with more flexible cancellation cover (and in some cases CFAR). \n - **Allianz** also offers cancellation cover, but check the limit (e.g. their “up to R90,000” figure) and what “reason” is covered.\n\n- **For frequent travellers**: \n - **Chubb**’s annual multi-trip is compelling (unlimited medical for many plans, good trip disruption cover, etc.). \n - **Allianz** also has an annual multi-trip option; good for people who take many shorter trips.\n\n- **For adventurous travel** (sports, winter, risky activities): \n - **Chubb** has very flexible add-ons (“winter sports”, “hazardous activities”). \n - **Hollard** may also cover some adventure if included in the plan, but check carefully.\n\n- **Age considerations**: \n - If you’re older, check the age limits: Chubb’s senior plan is up to 79 in some cases; TIC has different trip-duration limits for older travellers.\n\n- **Pre-existing medical conditions**: \n - Chubb’s “specified” pre-existing conditions are covered (depending on what counts). \n - Allianz is more restrictive; Hollard / TIC may offer better flexibility, but always check the policy wording and disclosure requirements.\n\n---\n\n### **Risks / Disadvantages to Be Mindful Of**\n\n- **Exclusions**: Travel-insurance policies always come with many exclusions (pre-existing conditions, certain countries, certain activities). Make sure to read your policy document closely. \n- **Excess / Deductibles**: Some benefits will have an excess (you pay part of the claim). \n- **Claim Process**: Even for “good” insurers, claims can be time-consuming and documentation-heavy (medical reports, receipts). \n- **Under-insurance**: If you under-estimate your trip cost, you might not insure enough for cancellation or baggage; if you don’t declare medical conditions properly, claims may be denied.\n\n---\n\nIf I were **travelling from Cape Town or in South Africa**, and had to pick one for a 2-week trip to Europe (ages ~35, healthy, moderate risk), I would lean toward **TIC** (for a good balance) or **Chubb** (if I want stronger emergency medical + evacuation). If I were going on a few trips in the year, Chubb’s annual plan looks very good.\n\n---\n\nIf you like, I can run a **recent (2025) comparison of quote-prices** for all four (TIC, Hollard, Allianz, Chubb) for a **realistic 2-week trip from Cape Town to Europe** — do you want me to do that?","role","assistant","name",{"_953":954,"_955":956,"_957":958},"sonicberry_model_id","alpha.sonicberry_v7","real_author","tool:web","source","sonic_tool",{"_949":1133,"_951":1134,"_92":1135},1763632291.0242944,{"_945":45,"_946":1132},{"_101":963,"_964":965,"_105":106,"_107":108,"_109":108,"_110":111,"_112":113,"_114":115,"_116":117,"_118":966,"_120":121,"_122":123},[967,968,969,970,971,972,973,974,975,976,977],"debug_sonic_thread_id","thread_691ee4a1e460832abf2e65e8d18deb77","8ae1595d-fc9a-4d7e-b9a3-628aa88f0d9a",{"_131":132,"_133":1116,"_135":1117},{"_131":132,"_133":330,"_135":1113},{"_131":132,"_133":1103,"_135":1104},{"_131":132,"_133":1098,"_135":1099},{"_131":132,"_133":1086,"_135":1087},{"_131":132,"_133":1078,"_135":1079},{"_131":132,"_133":1073,"_135":1074},{"_131":132,"_133":321,"_135":1070},{"_131":132,"_133":1063,"_135":1064},{"_131":132,"_133":1053,"_135":1054},{"_131":132,"_133":978,"_135":979},"www.reddit.com",[980,981,982,983,984,985,986,987,988,989,990,991],{"_131":138,"_139":1048,"_141":1049,"_143":305,"_145":1050,"_147":1051,"_148":978},{"_131":138,"_139":1043,"_141":1044,"_143":305,"_145":1045,"_147":1046,"_148":978},{"_131":138,"_139":1038,"_141":1039,"_143":305,"_145":1040,"_147":1041,"_148":978},{"_131":138,"_139":1033,"_141":1034,"_143":305,"_145":1035,"_147":1036,"_148":978},{"_131":138,"_139":1028,"_141":1029,"_143":305,"_145":1030,"_147":1031,"_148":978},{"_131":138,"_139":1023,"_141":1024,"_143":305,"_145":1025,"_147":1026,"_148":978},{"_131":138,"_139":1018,"_141":1019,"_143":305,"_145":1020,"_147":1021,"_148":978},{"_131":138,"_139":1013,"_141":1014,"_143":305,"_145":1015,"_147":1016,"_148":978},{"_131":138,"_139":1008,"_141":1009,"_143":305,"_145":1010,"_147":1011,"_148":978},{"_131":138,"_139":1003,"_141":1004,"_143":305,"_145":1005,"_147":1006,"_148":978},{"_131":138,"_139":998,"_141":999,"_143":305,"_145":1000,"_147":1001,"_148":978},{"_131":138,"_139":992,"_141":993,"_143":305,"_145":994,"_147":995,"_148":978},"https://www.reddit.com/r/FATTravel/comments/1ic68ko","Travel/trip insurance for $$$$ trip",{"_149":91,"_150":996,"_152":997},1738083605.358,"reddit",29,"https://www.reddit.com/r/travel/comments/1aod82h","Advice on cancellation claim with Allianz insurance",{"_149":91,"_150":996,"_152":1002},1707672245.545,28,"https://www.reddit.com/r/travel/comments/1crvi3s","Trip insurance, what is actually needed and reasonable?",{"_149":91,"_150":996,"_152":1007},1715701922.017,27,"https://www.reddit.com/r/singapore/comments/1et8mfm","Beware when getting travel insurance - some are now offering non-comprehensive plans",{"_149":91,"_150":996,"_152":1012},1723761265.89,26,"https://www.reddit.com/r/AirBnB/comments/bwlfvq","Please stop bringing up trip insurance when its an extenuating circumstances. You cant use it. Pics included.",{"_149":91,"_150":996,"_152":1017},1559629137.131,25,"https://www.reddit.com/r/MalaysianPF/comments/12kenn0","Need advice for travel insurance",{"_149":91,"_150":996,"_152":1022},1681367172.495,24,"https://www.reddit.com/r/AllInclusiveResorts/comments/1brrw1l","ALLIANZ TRAVEL INSURANCE, ANY INSIGHT?",{"_149":91,"_150":996,"_152":1027},1711831590.451,23,"https://www.reddit.com/r/SchengenVisa/comments/1bbysyk","Does Sainsbury's Bank Travel Insurance cover the requirement of travel insurance?",{"_149":91,"_150":996,"_152":1032},1710147709.059,22,"https://www.reddit.com/r/AllInclusiveResorts/comments/1koswjx","Best travel insurance option after booking nonrefundable",{"_149":91,"_150":996,"_152":1037},1747488191.97,21,"https://www.reddit.com/r/PersonalFinanceCanada/comments/fy48ei","Rogers World Elite (Allianz) COVID Trip Cancellation - Anyone forfeited their credited airline tickets and claimed?",{"_149":91,"_150":996,"_152":1042},1586478777.128,20,"https://www.reddit.com/r/PersonalFinanceNZ/comments/1jg18xt","Experiences with Chubb insurance claims?",{"_149":91,"_150":996,"_152":1047},1742508817.066,19,"https://www.reddit.com/r/chubbytravel/comments/1j8249x","General travel insurance discussion",{"_149":91,"_150":996,"_152":1052},1741622671.004,18,"www.investopedia.com",[1055],{"_131":138,"_139":1056,"_141":1057,"_143":1058,"_145":1059,"_147":1060,"_148":1053},"https://www.investopedia.com/what-is-cancel-for-any-reason-cfar-insurance-8599192","What Is Cancel for Any Reason (CFAR) Insurance?","Cancel for Any Reason (CFAR) insurance is an optional benefit that can be added to some trip protection plans, providing reimbursement for nonrefundable prepaid trip costs if the trip is canceled for any reason not covered by standard trip cancellation benefits. While standard travel insurance policies provide up to 100% reimbursement for specific covered reasons, CFAR typically reimburses 50% to 75% of prepaid costs for any other cancellation reasons. CFAR must usually be purchased within 15 days of the initial trip deposit, and trips must be canceled no later than 48 hours before departure. Adding CFAR increases the cost of travel insurance by 40% to 50% but is valuable for high-cost trips or uncertain travel plans. It's important to understand the specific requirements, costs, and limitations of CFAR before purchasing.",{"_149":91,"_150":1061,"_152":1062},1708719624,"news",17,"www.flysaa.com",[1065],{"_131":138,"_139":1066,"_141":305,"_143":305,"_145":1067,"_147":1068,"_148":1063},"https://www.flysaa.com/za/en/Documents/insurance/Frequently_Asked_Questions_xFAQxsx.pdf",{"_149":91,"_150":151,"_152":1069},1749788901,16,[1071],{"_131":138,"_139":201,"_141":320,"_143":305,"_145":1072,"_147":-5,"_148":321},{"_149":91,"_150":151,"_152":377},"www.scribd.com",[1075],{"_131":138,"_139":1076,"_141":142,"_143":305,"_145":1077,"_147":-5,"_148":1073},"https://www.scribd.com/document/490215491/Allianz-Global-Assistance-International-Travel-Insurance",{"_149":91,"_150":151,"_152":153},"www.allianz.lk",[1080],{"_131":138,"_139":1081,"_141":1082,"_143":305,"_145":1083,"_147":1084,"_148":1078},"https://www.allianz.lk/content/dam/onemarketing/azlk/wwwallianzlk/general-donwload-brouchers/Allianz%20Travel%20Insurance%20Brochure.pdf","Allianz",{"_149":91,"_150":151,"_152":1085},1751878315,13,"www.allianz.com.my",[1088,1089],{"_131":138,"_139":1094,"_141":1095,"_143":305,"_145":1096,"_147":1097,"_148":1086},{"_131":138,"_139":1090,"_141":1091,"_143":305,"_145":1092,"_147":1093,"_148":1086},"https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/travel-and-flight-insurance/allianz-travel-insurance/ATC_Brochure_Eng_2408.pdf","ALLIANZ TRAVEL CARE",{"_149":91,"_150":151,"_152":532},1756903640,"https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/travel-and-flight-insurance/allianz-travel-insurance/AllianzTravelEasy_Brochure_2304_ENG.pdf","ALLIANZ TRAVEL EASY",{"_149":91,"_150":151,"_152":448},1751541977,"www.healthgroup.org.za",[1100],{"_131":138,"_139":1101,"_141":197,"_143":305,"_145":1102,"_147":-5,"_148":1098},"https://www.healthgroup.org.za/travel",{"_149":91,"_150":151,"_152":200},"www.chubbtravelinsurance.co.za",[1105,1106,1107,1108],{"_131":138,"_139":220,"_141":324,"_143":305,"_145":1112,"_147":-5,"_148":1103},{"_131":138,"_139":222,"_141":562,"_143":305,"_145":1111,"_147":-5,"_148":1103},{"_131":138,"_139":217,"_141":166,"_143":305,"_145":1110,"_147":-5,"_148":1103},{"_131":138,"_139":224,"_141":345,"_143":305,"_145":1109,"_147":-5,"_148":1103},{"_149":91,"_150":151,"_152":161},{"_149":91,"_150":151,"_152":169},{"_149":91,"_150":151,"_152":566},{"_149":91,"_150":151,"_152":106},[1114],{"_131":138,"_139":205,"_141":409,"_143":305,"_145":1115,"_147":-5,"_148":330},{"_149":91,"_150":151,"_152":91},"www.allianz-assistance.co.za",[1118,1119,1120,1121,1122],{"_131":138,"_139":213,"_141":386,"_143":305,"_145":1131,"_147":-5,"_148":1116},{"_131":138,"_139":215,"_141":638,"_143":305,"_145":1130,"_147":-5,"_148":1116},{"_131":138,"_139":209,"_141":325,"_143":305,"_145":1129,"_147":-5,"_148":1116},{"_131":138,"_139":211,"_141":361,"_143":305,"_145":1128,"_147":-5,"_148":1116},{"_131":138,"_139":1123,"_141":1124,"_143":305,"_145":1125,"_147":1126,"_148":1116},"https://www.allianz-assistance.co.za/content/dam/onemarketing/awp/allianz-assistance-co-za/documents/Terms_and_Conditions.pdf","Allianz Global Corporate & Specialty SA Limited",{"_149":91,"_150":151,"_152":1127},1757307660,15,{"_149":91,"_150":151,"_152":365},{"_149":91,"_150":151,"_152":184},{"_149":91,"_150":151,"_152":192},{"_149":91,"_150":151,"_152":31},[305],"tool","web.run",{"_953":954,"_955":956,"_957":958},{"_949":1133,"_951":1134,"_92":1149},1763632291.0263097,{"_945":45,"_946":1148},{"_1140":1141,"_105":106,"_107":108,"_109":108,"_110":111,"_112":113,"_114":115,"_116":117,"_118":1142,"_120":121,"_122":123},"search_model_queries",{"_131":1140,"_1143":1144},"f13eea30-6013-49d5-acd5-cdbd21cf91b2","queries",[1145,1146,1147],"TIC travel insurance limits cancellation cover trip cancellation","Allianz South Africa travel insurance personal liability trip cancellation limits","Chubb travel insurance South Africa coverage annual multi trip review",[305],{"_953":954,"_955":956,"_957":958},{"_949":1133,"_951":1134,"_92":1278},1763632289.874287,{"_945":45,"_946":1277},{"_101":1154,"_964":965,"_105":91,"_107":108,"_109":108,"_110":111,"_112":113,"_114":115,"_116":117,"_118":1155,"_120":121,"_122":123},[1156,1157,1158,1159,1160,1161,1162,1163,1164,1165],"38588aed-10fd-4392-9e21-eb5329f29ca5",{"_131":132,"_133":1273,"_135":1274},{"_131":132,"_133":1269,"_135":1270},{"_131":132,"_133":330,"_135":1261},{"_131":132,"_133":1103,"_135":1256},{"_131":132,"_133":1251,"_135":1252},{"_131":132,"_133":1246,"_135":1247},{"_131":132,"_133":154,"_135":1242},{"_131":132,"_133":1116,"_135":1239},{"_131":132,"_133":1226,"_135":1227},{"_131":132,"_133":978,"_135":1166},[1167,1168,1169,1170,1171,1172,1173,1174,1175,1176,1177,1178],{"_131":138,"_139":1222,"_141":1223,"_143":305,"_145":1224,"_147":1225,"_148":978},{"_131":138,"_139":1218,"_141":1219,"_143":305,"_145":1220,"_147":1221,"_148":978},{"_131":138,"_139":1214,"_141":1215,"_143":305,"_145":1216,"_147":1217,"_148":978},{"_131":138,"_139":1210,"_141":1211,"_143":305,"_145":1212,"_147":1213,"_148":978},{"_131":138,"_139":1008,"_141":1009,"_143":305,"_145":1209,"_147":1011,"_148":978},{"_131":138,"_139":1205,"_141":1206,"_143":305,"_145":1207,"_147":1208,"_148":978},{"_131":138,"_139":1201,"_141":1202,"_143":305,"_145":1203,"_147":1204,"_148":978},{"_131":138,"_139":1197,"_141":1198,"_143":305,"_145":1199,"_147":1200,"_148":978},{"_131":138,"_139":1193,"_141":1194,"_143":305,"_145":1195,"_147":1196,"_148":978},{"_131":138,"_139":1189,"_141":1190,"_143":305,"_145":1191,"_147":1192,"_148":978},{"_131":138,"_139":1184,"_141":1185,"_143":305,"_145":1186,"_147":1187,"_148":978},{"_131":138,"_139":1179,"_141":1180,"_143":305,"_145":1181,"_147":1182,"_148":978},"https://www.reddit.com/r/PersonalFinanceZA/comments/1e9amad","Travel 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KITAS",{"_149":31,"_150":996,"_152":1017},1727256141.691,{"_149":31,"_150":996,"_152":1022},"https://www.reddit.com/r/capetown/comments/11su8el","Cheap but legit medical/ travel insurance for Schengen visa",{"_149":31,"_150":996,"_152":1027},1678973423.81,"https://www.reddit.com/r/southafrica/comments/x74z3l","Medical insurance while travelling.",{"_149":31,"_150":996,"_152":1032},1662452493.477,"https://www.reddit.com/r/capetown/comments/wf2ije","Travel Insurance Reccommendations",{"_149":31,"_150":996,"_152":1037},1659520771.898,"https://www.reddit.com/r/chubbytravel/comments/1b2h1n1","Travel insurance quote seems ridiculously 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