Is my trip covered in Annual Worldwide Travel Insurance?

kawan2

Hi,


I have been trying to get some quotes for an Annual Worldwide Family Travel Insurance. Answering one of the questions from the John Lewis website made me think, is my trip covered under the policy.


The question is:
Does the trip starts and end in the UK?
I had answered No because of trip (b) below.


(a) We will be flying from UK to KL on Etihad and staying there for 12 days before going to Siem Reap.


(b) We will be flying from KL to Siem Reap and staying in Siem Reap for 4 days before flying back to KL. I had bought air tickets and hotel booking from Air Asia.


(c) We will be staying in KL for 2 days before flying to Singapore on Firefly.


(d) We will be in Singapore for 2.5 days before flying back to UK on Etihad.


Question


(1) Will trip (b) and (c) above be covered if something unfortunate should happen and I have to claim since the trip does not start and end in UK?


Thanks.

Sally_A

That's a very poignant question, and some of the cheaper travel insurers have wriggled out of claims. You are going UK to UK, but via some extra flights. Suggest you call, clarify and get written confirmation before you travel.

InsideInsurance

Your trip does start and finish in the uk. The fact you have a multi centre holiday is irrelevant.

It is however worth noting that almost all insurances only cover for delay/ cancellation of flights in connection with your journey to/from the UK and so if you miss one of your other flights (eg KL to SG) then there is no cover for this. However if you are taken ill in SG then they will cover treatment/ medivac etc as appropriate

pleasedelete

14 days in KL but only 2 in Singapore? Madness!:)

dacouch

Yes it will be covered as your holiday starts and ends in the UK providing the policy covers that duration of a "Trip".

If you look at the Policy wording of the Travel Insurers you're interested in, you will find that in the first few pages they contain a section titled "Meaning of Words" or "Definitions". If you then look under the word "Trip" or possibly "Holiday" it will define that Insurers definition of a trip which is very very roughly that your holiday must start and end in the UK and be within the total maximum amount of days covered by the policy

Here's the relevant definition of a "Trip" from the JL Travel Policy

"Trip – your holiday or business trip that starts and finishes from your home address in the United
Kingdom. The start and finish dates of the trip must fall within the period of insurance."

http://www.johnlewis-insurance.com/content/dam/jli/pdfs/11723%20OR0745%20V3%20John%20Lewis%20Travel%20PolicyDoc_1%20COLUMN_14.11web.pdf page 8

Sally_A

thanks for jogging my memory Inside Insurance...I remember now a friends claim went belly up due to cancellations/delays on internal flights, so they lost hotel costs, and couldn't claim for the additional expense of staying ad hoc in places.

kawan2

Thank you all for your responses. It is useful to know that we won't be covered for any delay/ cancellation of internal flights. Wasn't aware of that. However, it is good to know that we should be covered for medical costs if the need should arise. That is the main concern for us.

pleasedelete - This is not the 1st trip to Malaysia and Singapore for us. Hence, only 2 days in SG.

Cheers.

InsideInsurance

kawan2 wrote: »

we won't be covered for any delay/ cancellation of internal flights

For absolute clarity it isnt "internal flights" as in flights within a country but any legs of your your journey that arent directly taking you from or back to home irrespective of if those are internal or international flights

kawan2

Hi InsideInsurance,

We will be flying back from Singapore to Manchester on Etihad.
Since there is no direct flight from Sin-Man, we had to take an Etihad flight from Sin-AUD, transit in Abu Dhabi for another Etihad flight from AUD-MAN.

Based on your comments, does it mean that if there is any delay/cancellation on the Sin-AUD leg of the journey, we cannot claim from the insurance. We will just be at the mercy of Etihad.

Whereas if the delay/cancellation is the AUD-MAN leg of the journey, we can claim from insurance if the need so arises.

Is that the correct assumption?

InsideInsurance

You need to read the terms of your individual policy to be certain.

Say you were flying LAX->JFK->LHR on a single ticket with the layover in JFK just being a couple of hours then your "missed departure" cover normally would be for you missing the LAX flight. If you were spending a day or two in NYC then it'd be the JFK flight. Where the waters are possibly muddied is if you are flying with two separate tickets but only a couple of hours layover as there is no obligation on the airline(s) to deal with your missed connection due to it being two separate tickets.

kawan2

InsideInsurance - Thank you for your explanation.