Travel insurance that "really" covers weather condition cancellation (flight)

maxkpp

Hello All

I need a little bit of advice on the travel insurance. We are planning to go to the states this week and need to get a travel insurance that genuinely covers flight cancellations due to weather condition i.e snow storm and all that. I did a search last night, and found a cheap one from Holiday Express (about 25 quid for both of us). The policy and wording mentioned about what they are covering and what they are not, and weather condition is included. Having said that, learning from one of my friends past experience where even though they mention this as thing they cover, they were trying to squeeze their way out, wash their hand and not reimburse the loss by playing with words and small prints.

Now, before I go ahead and buy one from my finding last night, I’d like to hear any suggestion from any past experiences of one good insurance company that cover this sort of thing without fuzz and hassle Thank you.

dzug1

Being pessimistic, I would have thought that with ANY insurance company if the event to be insured against looked highly likely at the time of taking out the policy then it wouldn't be covered.

Anyway what do you mean by 'really covers'?

Most cover you for a fairly nominal sum per 12 hours in the event of an outward flight delay and allow you to cancel the whole arrangement after 24 hours. Weather doesn't really affect the issue - just the fact of a delay.

The airline must refund you anyway if the flight is cancelled/delayed more than n hours.

jonesMUFCforever

Booking a flight to the east coast of America this week travelling this week knowing the snow they have had there is asking for trouble IMO.
Insurance is for unforeseen circumstances not for something that is very likely to happen.

Good luck wherever you go.

maxkpp

dzug1Thanks, what i meant by Real is just one company that does what it says on the tin basicaly. When they say they will, then they will, no question ask, no wording games.

jonesMUFCforever
Thanks, problem is, as usual, to save money, all flights were booked in advance, hence the fact that we never know about this stormy blizzard and all that.

So are guys saying when those companies know that blizzard is more likely to strike, there is no way, we could get covered for cancellation due to that matter (and also with all its domino effects)..?

jonesMUFCforever

What I am saying is that I know today that east coast of USA is forcasting heavy snow - the insurance company will have the same information.
Some will probably cover you but if it was my insurance company I would not be happy to take on the risk.

olly300

maxkpp wrote: »

jonesMUFCforever
Thanks, problem is, as usual, to save money, all flights were booked in advance, hence the fact that we never know about this stormy blizzard and all that.

So are guys saying when those companies know that blizzard is more likely to strike, there is no way, we could get covered for cancellation due to that matter (and also with all its domino effects)..?

If the flights where booked in advance why did you wait until now to take out travel insurance?

I'm in London and knew since the start of the snow all the airports in the area where having problems meaning flights have been cancelled or delayed. Let alone the airports aboard.

FH_Brit

Max - Golden rule - you should have bought travel insurance the moment that you booked any part of your travel (hotel/car rental/flight etc).

Put yourself in the insurance companies possition, you go looking for insurance when you know that there is a high risk of cancellation (weather) ask yourself this, if you were the ins co and was having to pay out, would you asses the risk as higher than normal? Yes is the answer. Considering that IC's are in business to make money they are unlikely to cover a higher risk at the same price, that is if they even cover you now.

jonesMUFCforever

olly300 wrote: »

If the flights where booked in advance why did you wait until now to take out travel insurance?

I'm in London and knew since the start of the snow all the airports in the area where having problems meaning flights have been cancelled or delayed. Let alone the airports aboard.

Not me gov ! I was answering someone ' else's post.

olly300

jonesMUFCforever wrote: »

Not me gov ! I was answering someone ' else's post.

I quoted maxkpp's reply to you where s/he pointed out they had booked flights in advance but hadn't bothered with insurance.

Actually not getting travel insurance when going to the US or Canada is plain stupidity. It's the first thing I sort out immediately after booking the flights ensuring I have enough medical coverage. There as if I was going elsewhere in the world where medical expenses and the suing culture are not as prevalent I take my time.