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Travel Insurance Article Discussion

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  • pompeyrich
    pompeyrich Posts: 3,135 Forumite
    Part of the Furniture Combo Breaker
    Incapuppy wrote: »
    http://www.moneysavingexpert.com/insurance/cheap-travel-insurance

    PEMCs need to be declared to and accepted by insurers; I have usually always done this online, only once by telephone.

    Don't forget to declare PEMCs for those travelling with you and for any close relatives not travelling for whom you would cancel/curtail the trip if they became ill from a related condition.

    A good point and one I have often wondered about, my wife is one of 6, do we need to ask all of them their medical history and are they likely to want to tell us? How far do you need to go to ensure full cover from a PEMC clause. Are you expected to disclose every visit to the doctor for any relative you might need to cancel for? Thanks, Rich
  • luci
    luci Posts: 5,968 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    pompeyrich wrote: »
    A good point and one I have often wondered about, my wife is one of 6, do we need to ask all of them their medical history and are they likely to want to tell us? How far do you need to go to ensure full cover from a PEMC clause. Are you expected to disclose every visit to the doctor for any relative you might need to cancel for? Thanks, Rich

    I have spent the past 2 weeks trying to get travel insurance not only to cover our PEMC's, but to also cover those of Close Relatives.

    Some companies stated they would cover as long as you are not aware of any reason you may cancel. However reading the actual policy it stated it wouldn't cover them if they were even just on prescription medication.

    Direct Travel will cover cancellation or curtailment in respect of Close Relative provide you don't know of a reason you may cancel, such as a terminal illness. Ageas has a similar statement.

    These were the only two companies I found with this type of cover which would save you having to know the medical history of everyone in your family.
  • Luci, did you get it sorted out?..........hope your "work" didn't suffer :)
  • luci
    luci Posts: 5,968 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    Why would my work suffer? I did it all in the evening from home. :p
  • I saw previously about a family wanting to go but 3 of them were over 18. We are in the same position. We have 4 of us over 18 and 2 under 12.

    Nighmare trying to find insurance for 'families' - who on earth defines 'families'!?

    If anyone has had any result with this I'd be very glad to hear about it :D
  • HanSpan
    HanSpan Posts: 538 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    I've just come back from the Canaries having to stay two weeks longer than planned due to an ear infection with which the local doctor would not let me fly. When I was told this on about day three I called the number for medical emeregencies (who were absolutely lovely) and they told me that my insurance company would not cover for my partner to stay with me. The policy states that this is only covered if its a medical necessity for the sick person to be accompanied when travelling. I had read the policy carefully but hadn't realised the implications of this paragraph.

    The medical emergency people did call and try to persuade the Insurance company to cover it as I didn't want to be alone feeling sick and dizzy but no luck. We decided to pay ouselves for my partner's flight home (the acommocation should be fine as I had to stay anyway). I also believe I won't be able to claim food for either of us.

    I'd never considered these circumstances before and it was very stressful trying to decide what to do when I had no idea how long I could be stuck there. So worth looking at this if you feel you would not want to stay alone if unable to fly - according to the medical emergency people (who are obviously a joint sort of service for many insurance companies) lots of inurers DO cover this.

    Now to gather all the documentation and find out how much I actually get back of a very expensive two weeks!
  • Doc_N
    Doc_N Posts: 8,549 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    HanSpan wrote: »
    I've just come back from the Canaries having to stay two weeks longer than planned due to an ear infection with which the local doctor would not let me fly..........

    Thanks - that's an interesting and helpful account. Good luck with the claim.

    Would you mind letting us know which company was involved, please?
  • I've been looking for a policy to include High blood pressure and High cholesterol rather than merely excluding problems related to these issues. It's for European travel.

    So far the only practical one I've found is 'It's so Easy'. However I'm uncomfortable that the insurer is based in Gibralter (Professional Travel Insurance Company Limited).

    Would appreciate knowing about other companies that would pay out in such circumstances, thanks.

    Robert
  • we have privelege home insurance(platinum version) which includes travel insurance.
    any comments about it?-is it good enough,especially for travel to the u.s.a?
  • jackieblack
    jackieblack Posts: 10,503 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    we have privelege home insurance(platinum version) which includes travel insurance.
    any comments about it?-is it good enough,especially for travel to the u.s.a?

    Personally I would want more comprehensive cover for the USA and personal possessions not in your control, ie between check-in and reclaiming at destination, don't appear to be covered.
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