travel insurance trip length

graymac

i have annual multi trip travel insurance which includes maximum 60 days per single trip. i would like to go to canada 2-3 times per year for upto 90 days per trip.. i can buy visitors insurance in canada so i thought to buy an extra 30 days once my 60 days expire but my insurer says they wont cover me for the first 60 days if i do that!! any ideas for ways around this problem which does not including buying 90 day single trip insurance 2-3 times per year which is far too expensive.

huckster

Where are you resident really ? UK or Canada ? If you were seriously injured, where would want to air ambulanced back to ?

90 days 2 or 3 times a year, suggests that you need to look into more specialist Insurance arrangements. There are Travel companies that deal with people who have residency in multiple locations. You may need to go through a specialist Travel Insurance broker. You can try direct with companies such as PJ Hayman.

dacouch

Just to clarify, if you have an annual policy with a 60 day limit and you leave the UK on a 90 day trip, it's not valid for any of the trip

InsideInsurance

It would seem sensible to buy an annual policy that does give you sufficient cover but going to North America for that length of time will be expensive.

Not a recommendation but American Express do a policy with 90 day limit and 240 days a year (plus a 120 day limit with 240 a year) for £228 assuming you are a young male with no pre-existing medical conditions. Undoubtedly there will be others too

graymac

huckster wrote: »

Where are you resident really ? UK or Canada ? If you were seriously injured, where would want to air ambulanced back to ?

90 days 2 or 3 times a year, suggests that you need to look into more specialist Insurance arrangements. There are Travel companies that deal with people who have residency in multiple locations. You may need to go through a specialist Travel Insurance broker. You can try direct with companies such as PJ Hayman.

I live in uk with family in Canada I will try pj hayman as suggested .tnxs

graymac

It is true if i book for example a 90 trip the insurance won't cover for any part of the trip! Is that even legal? Certainly restrictive practice

rs65

graymac wrote: »

It is true if i book for example a 90 trip the insurance won't cover for any part of the trip! Is that even legal? Certainly restrictive practice

If you book a 90 day trip but buy insurance for trips up to 60 days, then you won't be covered. It is legal.

It's up to you to buy suitable cover.

Travel insurance is for holidays. Its not aimed at people who spend up to 270 days a year (75%) in another country.