Why I never bother with travel insurance

Yoghurt_3

By the time you've paid excesses, waited for a claim to be processed, watch them weasel out of paying, found out that you're not covered when, as far as you can see, the policy states that you are.....

..it's really not worth it.

dmg24

So if you fall ill in the US, requiring surgical intervention, aftercare and repatriation - you would be able to pay for it yourself?

globalds

One good reason here.

http://www.google.com/hostednews/ukpress/article/ALeqM5gHK9doLoS9sbEYqtw-fg7BkeTQrw

A Briton has been stranded in Thailand after being paralysed in a road accident, his sister said.
Tom Moss, 26, was left nearly blind and unable to move from the neck down after his moped collided with a lorry and two cars in the northern resort of Chiang Mai.
Because he did not have travel insurance, he is now stuck in hospital in the capital, Bangkok, while his family tries to raise the £35,000 needed to fly him back to the UK.

Yoghurt_3

dmg24 wrote: »

So if you fall ill in the US, requiring surgical intervention, aftercare and repatriation - you would be able to pay for it yourself?

I never go to the US.

Yoghurt_3

globalds wrote: »

One good reason here.

http://www.google.com/hostednews/ukpress/article/ALeqM5gHK9doLoS9sbEYqtw-fg7BkeTQrw

A flight from Thailand to Britain is not £35000 so that's a lie.

ferf1223

Yoghurt wrote: »

A flight from Thailand to Britain is not £35000 so that's a lie.

a standard economy seat, no...an air ambulance? Are you sure?

lucylucky

The time my in-laws didn't bother with travel insurance it cost the family a lot of money.

Over £5k and that was just in Europe.

I have a relative who owing to different illnesses has had insurance pay out twice for the costs of separate holidays that were cancelled.

Well worth the money.

dmg24

Yoghurt wrote: »

I never go to the US.

Do you never travel anywhere? The same principle applies.

lynzpower

I broke my leg in italy once. I was in total agony, I saw 2 doctors who did the full x ray, plaster cast, ambulances. Ambulance back to hotel, Ambulance to the airport. Extra staff to get me on a plane where I took 3 seats. Change of flight time so partner also lost his first flight as that was full on return and he needed to come with me. Wheelchair at the other side, cab home.

All paid for with insurance ( just needed to show the document, we didnt need to do anymore)

Insurance cost 35 quid for the both of us.

Money very well spent, Ive no idea how much it would have cost me otherwise. I doubt it would be small enough to put on a credit card.

Very naive not to get insurance. So naive as to be stupid. If you can afford to go away you can afford to pay the few quid for insurance.

Yoghurt_3

Yeah but in fairness, most of it's a joke:

Cancellation or Curtailment: What this means is cancellation or curtailment only under a strict set of circumstances.

Baggage: £75 excess. What, per bag? Ts & Cs don't say. So what's the betting they'll try and charge it per bag.

Scheduled Airline Failure: To be fair, if the airline fails I'll be dead anyway.

Supplier Insolvency: I'm not going with a travel agent or package holiday so that doesn't apply.

Missed Departure: What, because I'm running late or only if the car breaks down? And if it breaks down due to running out of petrol, is that covered too? Watch them wriggle out of that one.

Delayed Departure: £25 excess. Like anyone's gonna claim that then.

Catastrophe Cover: As per Cancellation or Curtailment.

Holiday Abandonment: !!!!!!?

Strike: Benefit of £200. Like that's gonna buy me a new flight at that short notice.

Hijack: £500. Brilliant. There are terrorists on board the plane but I'm all right, I've got 500 big ones waiting for me when I get home.

What a load of bollix.

Yoghurt_3

lynzpower wrote: »

Change of flight time so partner also lost his first flight as that was full on return and he needed to come with me. Wheelchair at the other side, cab home.

All paid for with insurance ( just needed to show the document, we didnt need to do anymore)

What, they even paid for your partner, even though he himself wasn't injured? What company was that?