Travel Insurance Discussion Area

Isatou

I'm going to Sierra Leone next year as a volunteer - for 2 or 3 months. Unfortunately all the policies say that the maximum time I can be away (and therefore am covered) is 60 days. My question is - how would insurance companies know how long I had been away if I needed to make a claim - and would most policies cover me for volunteering rather than just being on holiday?

TomsMom

Isatou wrote: »

I'm going to Sierra Leone next year as a volunteer - for 2 or 3 months. Unfortunately all the policies say that the maximum time I can be away (and therefore am covered) is 60 days. My question is - how would insurance companies know how long I had been away if I needed to make a claim - and would most policies cover me for volunteering rather than just being on holiday?

Can you not ask the organisation who you have volunteered through if they have any recommendations or if they know which companies other volunteers have used?

how would insurance companies know how long I had been away if I needed to make a claim

If it's a single trip policy you would have to give the date of your trip. Someone on another thread mentioned Covermytravels has a policy which will cover a trip of 92 days.

scottishfreebiehunter

Any pointers welcome my son has controlled asthma and was wondering if anyone can point me in right direction of good insurance cover to fly to Australia please!!

Oh and I take bad panic attacks as these are not medical as such do I need to declare them

TomsMom

scottishfreebiehunter wrote: »

Any pointers welcome my son has controlled asthma and was wondering if anyone can point me in right direction of good insurance cover to fly to Australia please!!

Oh and I take bad panic attacks as these are not medical as such do I need to declare them

Re: panic attacks - if they are down on your medical records (i.e. if you have spoken to your GP or hospital about them) then you should declare them.

We used Columbus (annual multi-trip policy) when we went to Australia, OH had at the time 5 medical conditions to declare and they were the cheapest, but asthma was not one of them. Can only suggest you try some of the companies suggested on these threads and ask the question.

RatBag_2

scottishfreebiehunter wrote: »

bad panic attacks as these are not medical

It depends on the severity of them scottishfreebiehunter, if you are talking "mild worry" then no, but if you experience physiological reactions (short of breath, muscle reactions, etc) and are restricted by physical symptoms, then yes, it is a medical condition, and you'd be advised to declare it to your travel insurance company.

vik123

Hi everybody! Need your advise: I travel a lot to Canada and to USA. And I used to buy travel and visitors insurance. Last time I had to visit Canada, so I found new cheap visitors to Canada insuranse and I bought it here:
http://www.arbetovinsurance.com/visitorstocanada
www.arbetovinsurance.net
It's really cheap. So can someone give an advise of this company? Did anybody used to buy insurance there?
Thanks.

Fours

cava1943 wrote: »

I hope this is in the right thread and hasn't been mentioned before but the discussion seems quite wide-ranging and goes on for years on end.

My Lloyds/TSB bank account gives me worldwide travel insurance for myself and a partner as part of the deal. This is not unusual of course but why I mention it is that I rang up to check that I would still be covered as I will reach 65 during my summer holiday and was pleased to be told that the cover is in place until the age of 80.

As an aside, yes of course there is a monthly fee for the bank account but there are other benefits included of which I use AA cover and Credit Card Sentinel (which I think costs something like £30 on it's own) and there is a healthy rate of interest on credit balances too.

I too have an account - "worldwide" cover with Lloyds, but when I contacted them reference to an imminent trip to Australia I was told that certain elements only apply to trips starting and finishing in the UK, so once I had left the plane at Kualua Lumpur for about 3 hours to pick up the connecting onward flight to Melbourne these elements were not now covered for that leg of the trip. Likewise on the return, the leg from Melbourne to Kuala Lumpur where we will make a stopover for 3 nights excludes these elements. the fact that it is one trip to Australia with a stopver on the return and just a connecting flight on the outward journey is apparently irrelevant. They say medical cover is OK apparently but baggage, late departures, missed flights and I think possibly the accident cover (tho' neeed to check that again) is not covered.
This is not mentioned in any of the key facts as far as I can see and when I went to my branch to query it the manager with whom I spoke appeared genuinely amazed and had to admit she had absolutely no idea this was so and that she certainly would not have pointed this out to anyone she dealt with or sold this account to.She too had to hunt through the booklet to try and confirm it and eventually had to ring the platinum account number. She too was told the same.

bennyvdb

I have an a/c with Smile current (Co-op) Bank and the cover is the same but the fee is only £12:00 per month.
We are 77.
Benny.

Denisemw

Hi
How do we find out which insurers are good and quick at dealing with, and paying up on policies?
I want to get insurance for my hubby to go to USA for 15 days. I dont mind paying for it, as long as its a good one, and they wont mess me about if it does arise that we need to make a claim. Id rather be safe than sorry.
Thanks

seismic

I am confused about the cancellation cover offered by travel insurance providers. My existing policy will cover me for a trip to see relatives in New Zealand up to the date of the policy's expiry. Unfortunately, I hit 65 this year and my existing insurer will not cover people over that age. If I find an alternative insurer thereafter, it seems that they will only offer cancellation cover if the booking is made after the date that the new insurance starts. On the face of it, if our booking was made several months back, we are not covered for cancellation cover under any new policy. I find this 'bizarre' so maybe I have not interpreted the small print correctly. Advice and comments please