Why I never bother with travel insurance

Leigh-Anne_60

Yoghurt wrote: »

Ah yes, I see that now.

So what does that mean, that each person is actually only covered for €275 and not €400?

The excess would be applied then the maximum sum insured. So say you lost e600, minus excess would be e475, amount payable e400

Your figure of e275 would be correct if you lost e400!

And please get your self some travel insurance!!

Bob_the_Saver

'Yoghurt' - Best left at the back of the fridge. Ignore until out of date then throw away, of no practical use.

jammin_2

Bob_the_Saver wrote: »

'Yoghurt' - Best left at the back of the fridge. Ignore until out of date then throw away, of no practical use.

That's unkind.

Becles

Friends of my parents went to Goa on holiday. There was a flight of stone steps down to the terrace by the pool, but he didn't notice the steps were wet from people coming up from the pool. He slipped and fell badly and shattered his pelvis.

He was in hospital for a few weeks until he was well enough to fly home. She didn't want to go home and leave him there, so there were extra accomodation and food costs so she could stay with him.

When he did fly home, he had to come home in an air ambulance with a medical staff present to keep him comfortable and medication topped up.

The total cost was around £35,000 which Barclays Additions sorted out. She said they were brilliant and she didn't have to worry about a thing regarding the medical and accomodation bills as they just took over it all for her.

Would have been a nightmare trying to raise that sort of cash if they didn't have travel insurance.

Yoghurt_3

Hi guys,

What does everyone think of Mondial Assistance? They're coming out quite reasonably priced (not directly, but through the Aer Lingus website).

Also, I'm thinking of getting hire car excess for when we're away too, though carhireexcess.com (who are underwritten by Mondial Assistance) - and I'm thinking that it'd be good to have both travel insurance and hire car excess insurance through the same company, do you think?

Anyway, any horror stories of Mondial Assistance? Google's not really giving anything either way.

linzismum_2

Of course you need holiday insurance. My daughter caught her fingers in a slamming door first day on holiday few years ago. Insured with white horse and clinic took insurance documents and as there was no excess on policy (hard to get this now i know!) she was treated immediately, taken to main clinic by taxi, xrayed, then treated at the resort clinic after that every day, wound dressed, antibiotics, etc. No charge! Then just this week my daughter's boyfriend who she was due to go on holiday with half term October, was injured in rugby and broke his foot. Although he is the injured one, my daughters insurance company covers her holiday as well as obviously she has to cancel her holiday too. I have checked the wording on the policy and also phoned to check and she is definitely covered. Unfortunately her boyfriend had not got round to sorting out his insurance so he will be out the whole money for a holiday he won't be able to take. Insurance covers you for pre-holiday mishaps as well as problems on holidays, also cancelled flights etc. especially if you are travelling with budget airlines like easyjet or Ryanair who are notoriously difficult to get refunds from.

Pollycat

Hi linzismum - and welcome to MSE.

Just a quick point about your post - writing without paragraphs is very hard for other posters to read.

Regards

BusPass_2

Just adding my tuppenceworth.

My wife and I are frequent flyers and have a joint annual travel policy which is as cheap as chips.

If I got picky about all the excesses I would probably just increase my blood pressure and the policy probably doesn't cover that!

Rightly or wrongly, I trust that the policy will cover major situations such as major hospital treatment, air ambulance, repatriation etc and that is my major reason for taking out insurance. All the smaller stuff will have to be negotiated on an incident by incident basis and I am prepared to take a small hit if necessary. Just one of the hazards of travelling.

I once had a suitcase stolen, claimed on my holiday insurance, then discovered I was covered by my Home Insurance policy.

jackieblack

Yoghurt wrote: »

Hi guys,

What does everyone think of Mondial Assistance? They're coming out quite reasonably priced (not directly, but through the Aer Lingus website).

Also, I'm thinking of getting hire car excess for when we're away too, though carhireexcess.com (who are underwritten by Mondial Assistance) - and I'm thinking that it'd be good to have both travel insurance and hire car excess insurance through the same company, do you think?

Anyway, any horror stories of Mondial Assistance? Google's not really giving anything either way.

We were with Mondial when we were got stranded in the USA in April due to the volcanic ash problem, delayed for 8 days.

Mondial blankly refused to even consider any claim just stating that 'volcanic ash is not a specifically insured event'.

knightstyle

Don't forget the cover if a close relative becomes seriously ill. We were in France and our newly born granddaughter became seriously ill and was transferred to a London hospital, my wife flew back to help the family and later someone told us we may be able to claim on the insurance. I rang and after a few checks the cost of the flight and a few other things was refunded. Money well spent.