Travel Insurance Discussion Area

UltraCheap_2

Can anyone recommend the best annual policy for:

Couple under 40
no medical conditions
no sports
worldwide coverage
trips under 30 days

Many thanks!

StateofPlay_3

A year or so ago I made a claim for a skiing accident. I claimed for a number of things, including Curtailment of my holiday and that of my son, who was with me. The insurers, American Express, refused to pay this part of my claim, on the grounds that their Curtailment clause only pays when you return to the UK. In this case, my return was after the scheduled end of my skiing trip

I have since challenged this through the Insurance Ombudsman, who ruled in my favour and told the insurers to pay up - on the grounds that the purpose of my holiday was to ski, which I could no longer do after my accident.

I post this by way of a warning.

1. There are a number of travel insurance companies who have this type of clause in their small print, but there are others who do not. When choosing a policy, you may want to look for one that says it pays for Curtailment on admission to hospital, rather than when they choose to ship you home.

2. If your company refuses payment, it is well worth going to the Ombudsman and raising the matter with them. They were very reasonable and measured in their response and judgement.

I hope this helps someone to get value from their travel insurance. I should also add that in every other respect, Amex were pretty good. Whilst they are not the cheapest, I am still insured with them.

divadee

i have booked a weeks holiday in brussels in august to stay with the in-laws for the 3 of us.

We have got a quote from moneysupermarket for £12 for the week which is fine with us, but mr divadee is having a gasostropy on the 16th of April and when you go through the forms it asks if you are having or waiting for any test results, which obviously we are.

What is the best thing to do? what until after the 16th and then book it when the test results are back and we can honestly say that we are not awaiting any? i am worried that when we go to teh hospital he might require further treatment or tests as we are unsure what the problem is!! could be an hiatus hernia or an ulcer so now we dont know what to do about the insurance!!

Any help gratefully received!!

saltydognl

divadee wrote: »

i have booked a weeks holiday in brussels in august to stay with the in-laws for the 3 of us.

We have got a quote from moneysupermarket for £12 for the week which is fine with us, but mr divadee is having a gasostropy on the 16th of April and when you go through the forms it asks if you are having or waiting for any test results, which obviously we are.

What is the best thing to do? what until after the 16th and then book it when the test results are back and we can honestly say that we are not awaiting any? i am worried that when we go to teh hospital he might require further treatment or tests as we are unsure what the problem is!! could be an hiatus hernia or an ulcer so now we dont know what to do about the insurance!!

Any help gratefully received!!

Hi Divadee,
If all your worried about from the insurance point is your health then as long as you have the new european health card you are covered fo all emergencies by your NHS. If your worried about other things like loss or theft then find a different insurer.
Have a great trip Brussels is a beautiful city.

Porker

UltraCheap wrote: »

Can anyone recommend the best annual policy for:

Couple under 40
no medical conditions
no sports
worldwide coverage
trips under 30 days

Many thanks!

£50.68 with https://www.travelinsuranceweb.com

lostsoul_3

Hi
Just a warning on policy’s for Europe. The definition of Europe differs with some travel insurance company’s for instance Direct Travel do not cover Egypt or Israel, TMSM covers Egypt but not Israel, Primary insurance covers both, Just watch out if you are going to Cyprus and go to Egypt or Israel you may not be insured!

JoviAli

Hi, can anyone recommend a travel insurance company that doesn't run away from covering someone with cancer? I'm finding it difficult to get cover for my husband. We are going to Malta for a week so it's not as if we have no cover, just thought it would be handy to have cover for returning to the UK if he was taken poorly.

Any help?

Thanks

Ali

lizziew

I've looked on line for travel insurance for over 65s and found a company called Netcoverdirect.com which was mentioned on this website about 3 years ago. Has anyone heard of this company or used it? It is 2/3 the price of other companies and is apparently "owned by the Royal Bank of Scotland and the cartel of banks which own and run Mastercard" according to a moderator on this site, but I can't find any current information. Googling only brings up lots of sites all related to Netcoverdirect.

Thanks
Liz

Porker

JoviAli wrote: »

Hi, can anyone recommend a travel insurance company that doesn't run away from covering someone with cancer? I'm finding it difficult to get cover for my husband. We are going to Malta for a week so it's not as if we have no cover, just thought it would be handy to have cover for returning to the UK if he was taken poorly.

Any help?

Thanks

Ali

you could try the following:

https://www.cancertravelinsurance.com

or

https://www.meditravelcover.com


HTH.

pikestaff

Although Martin's article suggests otherwise, it seems that most insurers no longer cover children over 18 in full time education within a family policy. My son turns 18 this year and my present insurer, Insure & Go, will not cover him from that time. Moneysupermarket found me only one, rather expensive, policy that would (Norwich Union).

Has anyone else had more success?