Travel Insurance Discussion Area

luci

It is usually a condition of booking that you have travel insurance. You do not have to take the travel agent's insurance, but have to provide them with details of the insurance you have arranged yourself.

You could invalidate your booking if you do not have insurance.

I cannot understand why you would not want to take out travel insurance. Anything unforeseen could happen between booking and travelling such as an accident or critical illness. If you do not have insurance you would lose the cost of the holiday.

jimjim2121

I'm off to Italy for a wee city break. I bought 2 £10 ryanair flights and reserved a hotel. I'll have no bags and won't have any valuables to be stolen. I'm young and fit. I have no time commitments so I won't be chasing expensive air ambulance repatriation if I break my back or whatever.

What would insurance actually offer me?

I'd love to be insured for the additional costs if my return leg ryanair flight were to be cancelled for fog etc but they don't cover that, do they?

weedrea

Advise needed....I'm travelling back from JFK with Zoom in December and then onto Glasgow with Easyjet. Zoom gets in at 6.10am and I'm leaving with EasyJet at 11.45am. Not a huge amount of time - Zoom are usually less than an hr late, but even still....(they do fly from the same terminal). Is there any travel insurance that can cover me if my Zoom flight is delayed? I see some insurance is just to cover outward delayed departure and you pay a little more for both ways....but they do usually make some reference to international departure point only. I presume this wouldn't be covered? I'm looking for single trip insurance.

Also I saw this article from last year http://travel.timesonline.co.uk/tol/life_and_style/travel/essentials/article639706.ece

Is this still true that if you miss an EasyJet flight that they will help you get on the next flight for £35?

Any help much appreciated!

A

richardsonjones

My hubby and I are off on holiday tomorrow, and I'm trying to sort out our travel insurance.

We're after an annual worldwide policy, but all those I've looked at specifically exclude claims for curtailment or cancellation because of a pre-existing medical condition not only for hubby and me, but for 'close relatives' too.

I have two elderly grandparents - one had a stroke and the other a heart attack a few (>5) years ago and both continue to take medication for blood pressure etc. Hubby's parents are on similar medication too. From the wording of the policies I've read, it looks like we wouldn't be covered if (heaven forbid) the worst happened to one of them and we needed to rush home.

While we've no particular reason to suspect anything like this would happen, but it's a possibility, and one I'd like to be covered for. I've seen policies which cover pre-existing medical conditions of the travellers, but the only ones I can find that don't carry this sort of exclusion are well over £100.

Has anyone got any ideas??

redcarman

Hi there.. Just a tale of woe..

I have an elderly aunt who goes to the Phillipines every Christmas to stay with her daughter for a period of four to six weeks..
This year she booked her ticket ( in April ) for departure on December 19th.. In June she fell and sustained injuries to her hip which will necessitate a hip replacement which is to be carried out in November, later this month..
As you can imagine, this will make it impossible for her to go on her journey on the desired date.. When she made enquiries about a refund on the ticket she was told that she could not have one... A further enquiry which would enable her to rebook the ticket to February (2008) was also rejected.. This would have enabled her to travel, albeit later, when she was fully recovered from her operation..
Having been to the travel agents myself on her behalf, I was told that she could only claim on the insurance, of which she didn't have any.. When she booked her ticket my aunt maintains that no mention of insurance was referred to..
She usually takes out travel insurance a few weeks before the journey commences and for a period of time that will cover her while she is away...
This puts my aunt in a very preposterous position.. She can't get a refund and she can't change the date of travel..!!!
She paid £750 for her ticket and I find it hard to believe that there is no way out of this impasse..

In an earlier thread "luci" posted the following:-
It is usually a condition of booking that you have travel insurance. You do not have to take the travel agent's insurance, but have to provide them with details of the insurance you have arranged yourself.

Is this correct, and does anyone see a way out of this... It seems to me that £750 has just disappeared into thin air..!!!

aka_joey

My girlfriend and I were travelling in China with Endsleigh's Backpacker Insurance but have now taken up paid employment teaching English. The terms and conditions do not mention if this will invalidate the insurance. I have e-mailed Endleigh to ask them but so far no response. I am fairly sure it will invalidate our cover so does anybody know any Insurers providing cover for English teachers abroad?

Thanks guys

bennyvdb

Why not try your teachers union ?

brodiebones

Obviously a cost saving issue, but why on earth do many of the cheaper travel insurance policies only cover delays on the outward journey and not the inward journey too?

Used moneysupermarket.com and have to go 1/2 way through their list to get one that says: "Up to £1000 to cover reasonable additional accommodation and travelling expenses incurred to reach your pre-booked destination or your home due to a delay..."

Again, I am getting single trip insurance....should I insure myself for a longer period than I need to in order to cover delays? i.e. if I come home on the 20th and my flight is delayed till the 21st, but my insurance only covers to the 20th???....???

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brodiebones

....given my concern at missing my UK connecting flight home (travelling JFK-Gatwick then Gatwick-Glasgow), should I just go for an annual cover which says:

Departure Assistance / Missed ConnectionCover to assist you in getting to or from your international departure point in the UK due to missed connections arising from failures of public transport or breakdown/accident of your private vehicle.

Does this cover me? lol

jonmp

A caution about Flexicover:

Don't try to do too much when on holiday.

Correct me if I'm wrong but my reading of the policy is that you are not covered even for activities such as fishing, pony trekking and snorkelling let alone scuba diving.

Section 14, Personal Accident is excluded for such common activities. So if you get on a bicycle or fancy a ramble you won't be covered.