Holiday Insurance

maman

tamiami wrote: »

All insurance covers sickness and being unable to travel, they will probably want confirmation from doctors. Isn't that one of the reasons of travel insurance?

I think the point being made is that you need the insurance from the point of booking rather than just the travel dates. If you book now but only take out insurance for the days of the holiday then you wouldn't be covered for any sickness in advance that prevented travel.

PeacefulWaters

maman wrote: »

I think the point being made is that you need the insurance from the point of booking rather than just the travel dates. If you book now but only take out insurance for the days of the holiday then you wouldn't be covered for any sickness in advance that prevented travel.

The vast majority of travel insurance policies will cover a new illness that commences before the travel date (including on a single trip policy) and makes travel impossible.

Policy wording should confirm this.

Aviva, for example, states:

What cover do I have if I have to cancel my holiday?

As standard you are covered for up to £5,000 per person per trip if you need to cancel your trip due to:

> Serious illness or death of anyone covered by the policy or a close relative
> Jury service
> Redundancy
> Serious damage to your home
> Burglary

You can extend your cancellation cover by adding Airspace Closure cover or Travel Disruption cover

Cover limits and exclusions apply so for further information please see our Policy Booklet or the Optional Covers booklet

zagfles

Aveleydave wrote: »

Is it worth buying my insurance now? I have most of my travel in place, flights and hotels etc, but don't travel until the end of March 2015.

Cheers MS buddies.

It depends what the cancellation terms are for the stuff you've booked. For instance when I went to NZ I didn't bother sorting out insurance till the last minute since the flights were cancellable with a small fee (probably less than insurance cost) and the hotels I'd booked were cancellable free.

michelleb2b39

Aveleydave wrote: »

Is it worth buying my insurance now? I have most of my travel in place, flights and hotels etc, but don't travel until the end of March 2015.

Cheers MS buddies.

just get it when you go, even a year insurance is good

jonesMUFCforever

michelleb2b39 wrote: »

just get it when you go, even a year insurance is good

I can't believe how BAD this advice is!
:mad::mad:

What happens if OP is too ill to travel he would have paid for the holiday for nothing.

Archergirl

Aveleydave Please come back and tell us you have bought your ins...........

callum9999

mum2one wrote: »

depends on what type ur buying

single holiday - then he dates entered wou;d be he hol dates but buy now in case of accident, emergency or something happens to the hol company

Year policy - i enter from the date I have purchased the policy - as ha way I am covered for any emergency and event

For me I took a yr policy out in May this yr as it would covered the holiday abroad in May, even thou I have a hol booked for 2015, I need a new policy for those dates, - but for me i may have to cancel my hols in 2015, due to my father being diagnosed with cancer, alhough only depoists have been paid, its £800 - I lose £50 on each but thats better than losing £800.

you never know whats around the corner x

So you bought the policy after your father was diagnosed? Unless the insurers overlook it, I can't imagine your policy would cover you for it.

[Deleted User]

If it's a European holiday, you can (depending on which bank you are with) get it as an add on to your bank account.

It costs me £8-50 a month, and provides car breakdown cover, mobile phone cover, and European travel insurance.

The travel agent wanted over £40, just for a 7 day holiday. :eek:

BTW. For European holidays, don't forget to get a EHIC.

callum9999

Bedsit_Bob wrote: »

If it's a European holiday, you can (depending on which bank you are with) get it as an add on to your bank account.

It costs me £8-50 a month, and provides car breakdown cover, mobile phone cover, and European travel insurance.

The travel agent wanted over £40, just for a 7 day holiday. :eek:

BTW. For European holidays, don't forget to get a EHIC.

Or get a Flexaccount which gives completely free cover, £20 a year if you want to use it worldwide.