Holiday insurance advice needed

bitsandbobs

Hi

Getting married on 26th of this month and have spent £3500 on honeymoon which is 2 days in New York, 9 night Carribean cruise then 5 days back in New York (depart 3rd of Feb and get back 20th of Feb). Trying to find insurance for a decent price that would give us baggage cover, cancellation cover of £4000 and 10 million medical. Have no pre existing conditions. Im worried when i find some insurances that are much cheaper that we wont be covered for the 9 days of the cruise. Anyone got any advice on where we can get a good deal (Thomas Cook quoted £171 and said as we had booked with them they would reduce to £121 but that still seems steep to me)

Thanks

bitsandbobs

luci

Why have you left it so late to get travel insurance? If you need to cancel due to illness, accident or the illness of a relative you would lose £3500 with no cover.

If the £3500 is the total for two of you then you only need £2000 cancellation cover as it is per person.

Try clicking on Travel or Insurance at the top of the forum. You may need to call the insurers to make sure they cover cruises. Most do, but not all.

McKneff

Always book your travel insurance the moment you finish booking a holiday.

Youve no idea how many people come on here asking for help because they have left it till a few days before and on of the party has broken a leg or something has happened to them to stop them going on their hols and they lose the lot.

dacouch

You don't need £10m cover for America, £5m will be sufficient the largest claim paid thus far by a UK Travel Insurer was under £2m.

Have a look at the better quality policies especially cruise policies as some normal policies may not cover you cancelling the cruise if you miss the departure.

stephb34

You need worldwide including america and the carribbean, thats the name of the policy type and get it immediately you never know what could happen then you'll be thinking that £121 policy was worth every penny.

zagfles

McKneff wrote: »

Always book your travel insurance the moment you finish booking a holiday.

Youve no idea how many people come on here asking for help because they have left it till a few days before and on of the party has broken a leg or something has happened to them to stop them going on their hols and they lose the lot.

This of course depends on the cancellation terms of what you've booked. For instance I've just booked flights and accomodation for our trip this summer, the cancellation terms are we'd lose £60 pp for the flights and nothing for the hotels (cancellable without charge until the day).

The insurance we're looking at has a £100 excess, so we couldn't claim if we had to cancel before we went, and we'd also have lost the money we paid for the insurance. So we're better off leaving insurance till the last minute!

bitsandbobs

Thanks for all the replies. To be honest we booked in July and should have sorted travel insurance at the time but somehow just didnt get round to it. I was hoping someone would have been on this type of holiday and got a policy for a good price. While i agree with the poster above £121 will be worth every penny if something happens, likewise if i can get a better deal with the same kind of cover i will be losing less nothing does happen

dacouch

zagfles wrote: »

This of course depends on the cancellation terms of what you've booked. For instance I've just booked flights and accomodation for our trip this summer, the cancellation terms are we'd lose £60 pp for the flights and nothing for the hotels (cancellable without charge until the day).

The insurance we're looking at has a £100 excess, so we couldn't claim if we had to cancel before we went, and we'd also have lost the money we paid for the insurance. So we're better off leaving insurance till the last minute!

It's still good advice to buy cover asap, if you leave it and one of the travellers or a family member who is not travelling develops a medical condition you may struggle to get cover for a reasonable cost or at all.

The above would apply to redunancy or unusual circumstances such as a volcano or civil unrest in the country you're travelling to etc etc

zagfles

dacouch wrote: »

It's still good advice to buy cover asap, if you leave it and one of the travellers or a family member who is not travelling develops a medical condition you may struggle to get cover for a reasonable cost or at all.

The above would apply to redunancy or unusual circumstances such as a volcano or civil unrest in the country you're travelling to etc etc

Don't understand what you're saying. If we cancel and decide not to go, for any reason, redundancy, volcano, ill relative, one of us diagnosed with a medical condition, whatever, we will be better off if we hadn't taken out the insurance.

If we do decide to go, the tickets are alterable on dates so we can come back early if necessary, so not worried about that. I'm also not worried about some far fetched scenario of one of us developing some severe medical condition between now and then which makes it OK to travel but puts the price of the insurance up. Or that there's civil unrest etc which makes travel OK but insurance more costly. If war beaks out we'll stay at home!

Buying later is lower risk overall, for my plans.