Travel Insurance Article Discussion

nelson111

I am planning to take my family for California tour and worried about my first tour with my family. I want to make this travel worry fee. Here I want to know about the best travel insurance policy. I want to know what kind of insurance will be best for the family. Which policy will cover lost baggage, theft and medical treatment, sick or an accident?

dzug1

nelson111 wrote: »

I am planning to take my family for California tour and worried about my first tour with my family. I want to make this travel worry fee. Here I want to know about the best travel insurance policy. I want to know what kind of insurance will be best for the family. Which policy will cover lost baggage, theft and medical treatment, sick or an accident?

http://www.moneysavingexpert.com/insurance/cheap-travel-insurance

No need to ask the same question twice

dzug1

FPD wrote: »

Thanks for the suggestion - I'll contact Global Nomads now!

It's actually World Nomads if you haven't already discovered

faithless

Hi, some help needed...

We're going on honeymoon in February/March to Borneo (Malaysian) and Thailand for a total of 20 days with Trailfinders.

I am trying to work out what insurance we need. I don't really need annual cover as we are unlikely to go away again within the year. However the article only rates the annual trip policies by 'value' not just price, and I don't want a crap insurance policy.
An annual Direct Travel Insurance policy is one of the recommended annual trip cover providers in the article, this would be £173 for the 2 of us (inc Catastrophe cover). A single trip policy with the same insurers comes out at £137.

However if I search moneysupermarket I can get single trip for the two of us for just £35 (Debenhams, or Cover for You). I would rather not spend an £100 I don't need to, but I don't want to risk an insurer that won't pay out should anything go wrong.

Any advice appreciated.

TheLostProphet

I don't think this was addressed in the article and I gave it a search on the forum but couldn't find it - I've been working abroad and my travel insurance is set to expire. The problem is that I can't buy new insurance as most providers need you to have bought cover from within the UK and to have a short trip duration, eg 30 days max.

Other than World Nomads who gave me a quote of £180 (!!!) for 3 months, are there any other companies that insure out there?

teena

I have booked a celebration family holiday ( all adults) but to get a discount it is in a few years time (2016).
I have tried to obtain insurance but have been told that it is too far in the future but am concerned as I had to pay a large deposit and would like that to be covered. Any advice?

I have a Nationwide Flex account that has been sitting static for some years as I switched to another current account. If I activated that would the travel insurance that comes with it cover my deposit or if we had to cancel would the cost be divided out amongst the party so I could only claim for one person? ( I am paying for the whole holiday)

Also am perplexed by" pre-existing medical conditions". One of the party had asthma as a child ( just used a little blue inhaler a few times then) and another takes daily thyroxine as they have hypothyroidism. Do these count?

Really grateful for help with any of these. What seemed like something to be excited about is becoming a real headache.

koru

teena wrote: »

Also am perplexed by" pre-existing medical conditions". One of the party had asthma as a child ( just used a little blue inhaler a few times then) and another takes daily thyroxine as they have hypothyroidism. Do these count?(

Depends on the wording of the policy. Try Eurotunnel travel insurance, which has a very clear and narrow definition of PEMCs. It is available to buy (by phone) even if you are not using the tunnel.

koru

Boltonlass wrote: »

I have just got an annual European policy for a couple with Eurotunnel Insurance for £70.50. You have to be using their Eurotunnel service at least once within the year but I think they offer world cover as well as european. The only pre existing question they ask is pasted and copied from the policy document here:
"• It is a condition of this policy that:
1 If you have a medical condition, you must ask your doctor if it
is safe for you to travel to your chosen destination,"
And here:
"2 If you have a medical condition, you must tell us about any
changes in your circumstances before you travel.
3 You will not be covered if you travel against the advice of your
doctor. If you had not consulted your doctor before travelling,
your doctor will need to provide confirmation that, had they
been consulted they would have considered you fit to travel."

I am pretty experienced at looking for this type of insurance over the years as I am a kidney transplant patient. I have never previously been able to get annual insurance and I feel happy that I can comply with the conditions of this particular insurance.
URL here:
http://www.eurotunnel.com/uk/traveller-info/insurance/

If you aren't using their Eurotunnel service, it could be worth hunting out their cheapest ticket just to be able to give them your booking reference in order to qualify for the insurance. I know how difficult and how expensive pre existing travel insurance can be and this is easily the cheapest and least hassle insurance that I have come across.

Hope this helps others out there.

I have just bought annual cover with them, thanks. I can confirm that if you purchase by phone you do not need to be traveling with them at all. They didn't even ask for a booking reference or details of my journey.

£102 for 2 adults and 2 kids for annual cover for Europe, with winter sports added. That's not bad. I'm sure you can pay less, but not without taking more risk on the medical exclusions.

The wording regarding existing medical conditions has changed, but is still narrower than any other I have seen:

"If at the time of purchasing this insurance or booking your journey
(whichever is later) you have any existing medical condition, you
must discuss your travel plans with your doctor.
If you need to make a claim arising directly or indirectly (see note
at the end of this section) from any existing medical condition,
your doctor will be asked to confirm in writing that at the time of
purchasing this insurance or booking your journey (whichever is
later):
• you were fit to travel;
• your condition(s) were stable and there was no sign they
would get worse;
• you were not waiting for treatment as a hospital in-patient or
out-patient;
• you were not having or waiting for tests, investigations or
results to establish the underlying cause of any undiagnosed
symptoms;
• you did not know that you would need medical treatment or
consultation at any medical facility during your journey;
• you were not travelling specifically for the purpose of
obtaining and/or receiving any elective surgery, procedure or
hospital treatment; and
• you were not travelling against the advice of a doctor or
where you would have been if you had asked for their advice
before beginning your journey.

Changes in health for annual multi-trip customers

If your health changes after taking out this insurance and the
change means that your doctor would no longer be able to
confirm all the points above you can:
• make a cancellation claim for any journeys booked before
the change in health, or
• still travel on any pre-booked journeys or new journey
bookings but this policy would not cover you for any medical
and associated expenses, cancellation or curtailment or
personal accident claims that are directly or indirectly related
to any of your existing medical conditions, or
• cancel the policy and receive a proportionate refund so long
as you have not made a claim or intend to make one."

Sparkles18

My parents have annual insurance with Eurotunnel for 31 days cover. However they wish to go away for 90 days. Eurotunnel will not extend their cover so can they buy another policy with another company for the extra 59 days, to start when the Eurotunnel policy expires.
Hope this makes sense & thanks for any advice given.

luci

In short, no as the journey covered must start and end in the UK. They will need a separate single trip policy.