Has anybody had a positive experience claiming from a Travel Insurance Company?

Tron65

Hi,

I had my passport, video and money stolen in Paris about 5 years ago... I had a Post Office Travel insurance policy. I did report the loss at the police station in Paris before I returned home.. The PO paid out for all my losses quickly.

:-)

Doshwaster

I've never had a successful claim from a travel insurance company. Either I've not bothered claiming because the loss was too low to bother about or I've had claims rejected due to "acts of god". The only reason I keep paying is for coverage for major medical emergencies.

dannny_2

I claimed for a stolen snowboard/bindings whilst I was in the states.

Followed the policy to the letter (police report/receipts etc) and ensured that I could actually claim.

Insurance initially denied the claim stating I never took reasonable care.

Threatened them with court and they caved as I assume it was cheaper to just pay out.

budgetflyer

Coraline wrote: »

That sounds pretty good--I had to google it but found "Bank of Scotland" as meaning BOS. Stupid question...do you have to be in Scotland to get such a current account?

From what I see it would cost £15/month £180 per year to have that account. I haven't looked at the excesses yet, but I would assume from what I've read they are usually about £100 or so, so if you travel frequently, £180 per year + worst case scenario £100 excess per incident is not too bad.

So assuming that I could "expect" more than ~£300 per year in losses (which has never happened but I'm thinking of what if scenarios) then that would be a good deal, right?

Its actually HBOS.

Halifax Bank of Scotland.

Halifax will do an identical product.

Nick_C

I ran up a $2000 medical bill on a cruise ship a few years ago, and got everything back apart from the excess without a hassle.

I had to cancel a trip to Budapest last year when Malev went bust. I expected my pre-paid hotel to be covered by my travel insurance, which covers Scheduled Airline Failure, but when I claimed I was told it did not cover consequential loss. This made the SAF cover pretty useless IMHO as I always buy air tickets with a credit card to get S75 protection. (Fortunately, I went back to my card issuer, and they refunded the hotel bill as well, as S75 does cover consequential loss.)

redmike123

Had a good experience with Saga earlier this year, they did ascertain that we weren't able to claim elsewhere, then they paid up

Coraline

InsideInsurance wrote: »

What other insurance do you have in place that covers medical emergencies abroad?

Currently nothing...in the past for quite a few years I was covered for anything medical in or out of the country I was living in, because my employer paid for health insurance.

I've never had a medical problem abroad that required anything more than a trip to the pharmacy. Which of course doesn't mean anything as anything can happen in future travels.

Now that's not the situation...once I leave the UK and don't have access to the NHS I don't have any cover.

codo

My son had to claim through the post office travel insurance. The paperwork was easy to complete and was settled very quickly. He had paid a small additional premium (£4 if memory serves me right) to have no excess, so the full amount was recovered.

moneysaver129

Probably pretty useless unless for medical in USA and this is clearly understood by you. For all else probably too many exclusions to be worth having. This is my experience.

Coraline

moneysaver129 wrote: »

Probably pretty useless unless for medical in USA and this is clearly understood by you. For all else probably too many exclusions to be worth having. This is my experience.

That's my thinking moneysaver...like I mentioned somewhere before if I actually paid for travel insurance on every flight I've taken over my life it would be a thousands of ££ more than I would have ever needed to claimed.

So it just leaves the health thing. I know some countries (or least I'm told, was told for Morocco) doctors demand payment up front. Not sure what they charge though for say...a broken foot!