Travel Insurance Article Discussion

MarcoK

I got the Protect Your Bubble insurance recommended by this site. I had a 7 hour delay with Ryanair (never going to fly with them again, abysmally poor service) but just realised that the insurance only covers after 12 hours delay. Knowing that Ryanair is going to be most unhelpful I don't think I will see my £100 for the 2am taxi home nor any compensation for the delay.

anne0411

I'm going on a 2 mth trip to Oz, I'm British with dual citizenship, so have decided not to have travel insurance (medical in Oz is covered by my medicare card), my main reason for not getting any is...personal items are only covered upto £250 my iPad is worth more than that and then there's my camera! Am I wrong to do this?

Doc_N

anne0411 wrote: »

I'm going on a 2 mth trip to Oz, I'm British with dual citizenship, so have decided not to have travel insurance (medical in Oz is covered by my medicare card), my main reason for not getting any is...personal items are only covered upto £250 my iPad is worth more than that and then there's my camera! Am I wrong to do this?

Possibly, though your free (?) healthcare in Oz may make it OK. Most of us would need an air ambulance back to the UK in the event of very serious illness or injury (and that's a huge cost for anyone without insurance) - but you might be able to avoid the need for it. It's a judgment only you can make, I'm afraid.

woodpecker

I have tried several sites for travel insurance that includes Pre existing medical conditions, but each one has said my husband would not be covered (he has a complex medical history).
We are travelling to the USA as a family and obviously still need insurance - do we take a policy that does not cover the PEM's so we have insurance for everybody else and accidents etc?
I'm concerned that in my husband's case it could be something unrelated to the existing medical conditions and want to make sure he is covered as much as possible.
Thanks

Doc_N

woodpecker wrote: »

I have tried several sites for travel insurance that includes Pre existing medical conditions, but each one has said my husband would not be covered (he has a complex medical history).
We are travelling to the USA as a family and obviously still need insurance - do we take a policy that does not cover the PEM's so we have insurance for everybody else and accidents etc?
I'm concerned that in my husband's case it could be something unrelated to the existing medical conditions and want to make sure he is covered as much as possible.
Thanks

I wouldn't want to risk travelling without cover for PEMs unless it could possibly be avoided because of the risk of enormous medical bills.

You could perhaps consider one policy for the rest of the family and then seek out specialist cover for your husband. Online policies tend not to cater too well for complex medical histories - you might do better with a specialist insurance broker. Saga might be another option.

hampshirehog_2

Really not clear about those of us who live elsewhere in the EU (France in my case) but appear to be discriminated against. The guide does not mention us - where does one find a good deal? I did look at Columbus and if I was a UK resident I get a range of destination options and a range of premiums (Silver, Gold etc). But as a France resident (but will travel from UK) I only get Europe or Worldwide, and one standard premium. Why??

woodpecker

Doc_N wrote: »

I wouldn't want to risk travelling without cover for PEMs unless it could possibly be avoided because of the risk of enormous medical bills.

You could perhaps consider one policy for the rest of the family and then seek out specialist cover for your husband. Online policies tend not to cater too well for complex medical histories - you might do better with a specialist insurance broker. Saga might be another option.

Thanks for the advice. I've read elsewhere on this site that I shouldn't insure my husband separately. This is because being on separate policies might mean I am not covered to get an emergency flight home with him should he need to return to the UK. Does anyone know about this?

I think the issue with obtaining cover for PEMC is due to the fact we just found out my husband might need minor heart surgery - this will probably take place in the next 6 weeks but our holiday (July) is already booked!

If we didn't book insurance until after the procedure has taken place, would that improve his chances of getting cover? I should mention he is in his forties, so SAGA is probably not suitable!

janine.bidmead

sandy2 wrote: »

I am an expat living in Spain and this information is not correct- There are several UK Insurance companies who insure expats living abroad wjen they take hoidays worldwide. For the past few years we have been insued by one of them, originally recommend by this site
Sandy

Sandy - what are these several companies you talk of?

Thanks :-)

janine.bidmead

I'm moving to The Gambia (West Africa) for 18 months and want to make sure I get the best insurance possible as there will be plenty of chances for things to go wrong out there.
I'm looking at worldnomads.com(£866) and worldwideinsure.com(£396). Someone else on this forum mentioned worldnomads as being reliable but it's a lot more expensive than worldwideinsure. Does anyone know if worldwideinsure has a decent reputuation? I've tried googling it, but no success.
I'm also open to suggestions of other companies!
Or if you can recommend a good travel insurance company for expats too that would be much appreciated :)

Thanks,
Janine

Tomby1

I had a check around for insurance related to what you're looking for and these are the only ones I could find.

Down Under Travel Insurance - £263.15
Insure For Travel - £427.12

I can only find the two above for 18 month quotes - most insurers only seem to go up to 12 months.

£866 does seem crazy money - you'll probably get extremely good protection for this.

Best of luck