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    • Katiehound
    • By Katiehound 20th Feb 17, 8:43 PM
    • 3,591 Posts
    • 36,190 Thanks
    Katiehound
    Hi ev eryone,
    Can anyone advise on this: We are going away for 90 days. we have our bank's travel insurance for 30 days as usual. can we then take out another insurance with a different company for the rest of our holiday??
    Thanks to all for replies.
    Originally posted by littlefred
    I doubt that very much- you know how insurers are such wriggle worts-
    I think you need to have one insurance for 90 days, that way there can be no arguements about who covers what.
    However you could always ask an insurance company.

    In a similar vein I am covered for trips of 31days but had booked a holiday for 34. If I had said, that's fine I'm covered for the first 31 days, the last few won't matter that's not the truth: I am uninsured for the whole holiday- fortunately I checked the small print! (and the insurance company extended cover at no extra cost )
    Being polite and pleasant doesn't cost anything!

    If you found my posting helpful please hit the "Thanks" button!
    Thank You
    • littlefred
    • By littlefred 21st Feb 17, 12:09 PM
    • 32 Posts
    • 1 Thanks
    littlefred
    Hi! Yes, thanks for that advice. You were correct! I contacted two different travel insurance companies, and both said that neither of the policies would be valid. What robbers!! We have now taken out insurance for the full 90 days. Our bank wanted a fortune for us to 'add on' to our 30 days. We are so ripped off by these companies.
    Thanks for all your advice.
    if i had known then what i know now
    • littlefred
    • By littlefred 21st Feb 17, 12:16 PM
    • 32 Posts
    • 1 Thanks
    littlefred
    thanks for that last bit of info katiehound. never realised before that if you had the 31days you could NOT 'just stay for an extra day or two over' that time period!! I've actually done that!! We can't win can we????
    if i had known then what i know now
    • littlefred
    • By littlefred 21st Feb 17, 12:26 PM
    • 32 Posts
    • 1 Thanks
    littlefred
    I wonder what would happen if you went on holiday on a ONE WAY ticket (being covered with your 31 day policy from bank) meanwhile after say, 10 days on holiday you took ill and were in hospital or whatever would this policy still cover you even though you had'nt yet booked your flight back to u.k.???
    The list of questions just goes on and on and on hahaha!!!
    if i had known then what i know now
    • dw96
    • By dw96 8th Mar 17, 3:37 PM
    • 12 Posts
    • 1 Thanks
    dw96
    Separate cancellation coverage?
    I'm looking at traveling to the USA. But many of the providers that I've found, do not include flight cancellation. I.e. If I'm taking ill and can't board the flight from Blighty, I'm on my own..

    Is it possibly to find insurers who "only" provide flight cancellation coverage?

    I've some options but having a pre-condition makes finding providers a hassle, and so I'm considering one without trip cancellation (just medical insurance coverage).

    Many thanks in advance.

    ---- EDIT ----

    It looks like the best option is searching for the cheapest possible insurance that covers cancellation (to the level covering your trip!) and then purchase that in addition. It looks like it will be about £200 from the provider including cancellation coverage, versus about US$130 from the provider without cancellation coverage.

    Obviously, with that sort of difference there might be something else in the small print that is substantially detrimental..
    Last edited by dw96; 09-03-2017 at 9:21 AM. Reason: Found Solution
    • Garykm
    • By Garykm 8th Mar 17, 7:44 PM
    • 1 Posts
    • 2 Thanks
    Garykm
    Onwards Travel
    We have annual travel insurance with Staysure and are currently on a 12 week visit to NZ visiting family.
    Whilst here we booked for all of us to have a holiday in Cook Islands. However just before we go we find out one member is now pregnant and advised not to travel due to Ziko virus.
    Rang Staysure to query cover - to be told our policy does not cover us anyway because journey does not start in UK.
    Cover is only for flights to & from UK with less than 12 hour stopover.
    Surprise to us as we thought we had an annual multitrip worldwide policy !
    Thought people should be made aware as we were ignorant to this fact.
    • ksc0pe
    • By ksc0pe 15th Mar 17, 11:21 PM
    • 1 Posts
    • 0 Thanks
    ksc0pe
    Can anyone recommend travel insurance which includes coverage car hire excess insurance? It would seem like a common ask, however I haven't managed to find one policy that includes this, standard or optional.

    Thanks!
    • DaveAngel
    • By DaveAngel 12th Apr 17, 1:07 PM
    • 4 Posts
    • 0 Thanks
    DaveAngel
    Individual travelling under family annual insurance policy?
    This year my husband and I are taking our daughter on a family holiday to Spain. In addition, we are each having a weekend away with friends. My initial thought was that we could get an annual family insurance policy to cover all three holidays as the total number of days travel would be within the usual annual limit.

    However, does anyone know if an individual can travel under a family policy? (And if yes, which providers!). It's not clear in most KFDs and policy wording documents I've looked at and I'm not keen on ringing round a load of providers if it's actually going to be like trying to find a needle in a haystack that might not even exist.

    I suspect for ease and peace of mind three separate policies is probably the way to go but just thought I'd ask in case anyone has any words of wisdom.
    • DaveAngel
    • By DaveAngel 12th Apr 17, 4:04 PM
    • 4 Posts
    • 0 Thanks
    DaveAngel
    Can anyone recommend travel insurance which includes coverage car hire excess insurance? It would seem like a common ask, however I haven't managed to find one policy that includes this, standard or optional.

    Thanks!
    Originally posted by ksc0pe
    Can't recommend as I've not used them but just spotted this while searching for travel insurance...

    leisureguard.insureforcars

    So, because I'm a new user I can't include links in my posts so just add https:// to the start and .com to the text above...
    • Victor_Delta
    • By Victor_Delta 12th Apr 17, 6:15 PM
    • 408 Posts
    • 94 Thanks
    Victor_Delta
    This year my husband and I are taking our daughter on a family holiday to Spain. In addition, we are each having a weekend away with friends. My initial thought was that we could get an annual family insurance policy to cover all three holidays as the total number of days travel would be within the usual annual limit.

    However, does anyone know if an individual can travel under a family policy? (And if yes, which providers!). It's not clear in most KFDs and policy wording documents I've looked at and I'm not keen on ringing round a load of providers if it's actually going to be like trying to find a needle in a haystack that might not even exist.

    I suspect for ease and peace of mind three separate policies is probably the way to go but just thought I'd ask in case anyone has any words of wisdom.
    Originally posted by DaveAngel
    Did you try googling this issue? If so, you would have found that certainly some companies do eg https://www.direct-travel.co.uk/faq/can-my-family-travel-independently-on-an-annual-policy/

    So I would select the company you want to use and then phone them up to double check they are the same.

    My daughter once went abroad covered by our family annual policy although, in that case, because her trip was more than 30 days I paid a small supplement for the 10 extra days of the trip.
    • Victor_Delta
    • By Victor_Delta 12th Apr 17, 6:25 PM
    • 408 Posts
    • 94 Thanks
    Victor_Delta
    Can anyone recommend travel insurance which includes coverage car hire excess insurance? It would seem like a common ask, however I haven't managed to find one policy that includes this, standard or optional.

    Thanks!
    Originally posted by ksc0pe
    Never seen such a combined policy - I suspect the companies want to keep their headline prices down (to be competitive) and so, if available, car rental cover would be an extra add-on if not a totally separate policy.

    However, such insurance is not expensive - I've found these people pretty good for it http://www.worldwideinsure.com. I now see they also offer general travel policies so you might be able to get a good deal if you buy the 2 together perhaps?
    • alied
    • By alied 20th Apr 17, 11:51 AM
    • 3 Posts
    • 0 Thanks
    alied
    Travel insurance for pre existing conditions
    Having looked at 15 or more travel insurance websites and been quoted extortionate premiums, my husband has just found one that doesn't ask you any medical questions and is reasonably priced. As long as you are fit to travel and are not travelling against medical advice, pregnant or have a terminal diagnosis they will cover you. Who are they? AXA PPP Healthcare. £300 for a family of 4, 2 of which have medical conditions that has made getting travel insurance very difficult and expensive in the past. Very helpful people on the end of the phone too.
    Well done AXA.
    • EssexExile
    • By EssexExile 20th Apr 17, 2:20 PM
    • 2,282 Posts
    • 1,522 Thanks
    EssexExile
    Having looked at 15 or more travel insurance websites and been quoted extortionate premiums, my husband has just found one that doesn't ask you any medical questions and is reasonably priced. As long as you are fit to travel and are not travelling against medical advice, pregnant or have a terminal diagnosis they will cover you. Who are they? AXA PPP Healthcare. £300 for a family of 4, 2 of which have medical conditions that has made getting travel insurance very difficult and expensive in the past. Very helpful people on the end of the phone too.
    Well done AXA.
    Originally posted by alied
    Can you point me at a website? I can only find AXA PPP cover for existing members or AXA cover that does ask about pre-existing conditions.
    Tall, dark & handsome. Well two out of three ain't bad.
    • koru
    • By koru 21st Apr 17, 12:11 PM
    • 1,250 Posts
    • 630 Thanks
    koru
    Having looked at 15 or more travel insurance websites and been quoted extortionate premiums, my husband has just found one that doesn't ask you any medical questions and is reasonably priced. As long as you are fit to travel and are not travelling against medical advice, pregnant or have a terminal diagnosis they will cover you. Who are they? AXA PPP Healthcare. £300 for a family of 4, 2 of which have medical conditions that has made getting travel insurance very difficult and expensive in the past. Very helpful people on the end of the phone too.
    Well done AXA.
    Originally posted by alied
    Looks interesting, but don't you need to be a member? Or does buying the travel insurance make you a member?

    What are the specific terms in the policy regarding medical conditions? Could you quote the full wording (or provide a link to the policy)?
    koru
    • koru
    • By koru 21st Apr 17, 12:18 PM
    • 1,250 Posts
    • 630 Thanks
    koru
    Can you point me at a website? I can only find AXA PPP cover for existing members or AXA cover that does ask about pre-existing conditions.
    Originally posted by EssexExile
    I think alied is referring to this: https://www.axappphealthcare.co.uk/members/products/pmi/annual-travel-insurance/

    But there's very little information there, other than stating:
    "No medical history required; you just have to be medically fit to travel.
    We cover most pre-existing conditions. (Exclusions apply for psychiatric and terminal illness)."

    Sounds similar to Eurotunnel, depending on the specific wording in the policy. But they cover outside Europe, which Eurotunnel don't.
    Last edited by koru; 21-04-2017 at 12:20 PM.
    koru
    • koru
    • By koru 21st Apr 17, 1:04 PM
    • 1,250 Posts
    • 630 Thanks
    koru
    I think I've found the AXA Healthcare travel insurance policy:
    https://www.axappphealthcare.co.uk/uploadedfiles/widget_items/products/personal/updated/travelcover-handbook.pdf

    Seems to confirm it is only for those who already have private healthcover with them.
    koru
    • wibblewibble75
    • By wibblewibble75 30th May 17, 6:40 AM
    • 10 Posts
    • 0 Thanks
    wibblewibble75

    Hi all
    Hope someone can help with this travel insurance question.
    I have booked a holiday for my family of 4, but also coming with us is my father (he is 69).
    He already has his own annual multi-trip policy so he is already covered for our trip.
    So we just need insurance for the 4 of us. When I buy a policy online I’m wondering if it’s definitely ok for us to have the policy just cover us 4.
    I’m just concerned that, say if we had to cancel the holiday and claim on the policy, is there going to be any problem, when the holiday is booked for 5 people but our insurance is for 4 people.







    Last edited by wibblewibble75; 30-05-2017 at 6:41 AM. Reason: spelling
    • koru
    • By koru 30th May 17, 11:12 AM
    • 1,250 Posts
    • 630 Thanks
    koru

    Hi all
    Hope someone can help with this travel insurance question.
    I have booked a holiday for my family of 4, but also coming with us is my father (he is 69).
    He already has his own annual multi-trip policy so he is already covered for our trip.
    So we just need insurance for the 4 of us. When I buy a policy online I’m wondering if it’s definitely ok for us to have the policy just cover us 4.
    I’m just concerned that, say if we had to cancel the holiday and claim on the policy, is there going to be any problem, when the holiday is booked for 5 people but our insurance is for 4 people.







    Originally posted by wibblewibble75
    Generally (but check the policy wording), a family policy will cover costs associated with something that happens to another person on the same policy. eg, one family member becomes unwell before travelling, you can probably claim for everyone on the policy to cancel if you wish, or they fall sick during the trip, you may be able to claim costs that you incur as a result, such as staying at a hotel near their hospital, or taxis to the hospital, or excursions you miss because you are at their bedside, or you may be able to claim for someone accompanying them if they are flown home early. I doubt policies would cover this if the person is on a separate policy.
    koru
    • jonquigley
    • By jonquigley 30th May 17, 11:16 PM
    • 17 Posts
    • 19 Thanks
    jonquigley
    Annual Couples European Travel insurance
    Hi All

    Can anyone tell me if a couples multi-trip annual policy will cover each partner should they travel separately, or must both parties travel at the same time for the cover to be valid? Thanks in advance
    • Victor_Delta
    • By Victor_Delta 30th May 17, 11:56 PM
    • 408 Posts
    • 94 Thanks
    Victor_Delta
    Hi All

    Can anyone tell me if a couples multi-trip annual policy will cover each partner should they travel separately, or must both parties travel at the same time for the cover to be valid? Thanks in advance
    Originally posted by jonquigley
    Covered by our policy but guess you need to check the small print in yours to be sure (or just call them and ask...?).
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