Annual Travel Insurance expires before the trip date

Quentin

A discussion with your GP would help in that you could discover the truth worst case scenario.

But the answer to your query is to be sure about trips outside your current annual policy you either take out single trip cover or if it's cost effective and the trip is going to be completed within a year buy a new annual policy.

katejo

Quentin wrote: »

A discussion with your GP would help in that you could discover the truth worst case scenario.

But the answer to your query is to be sure about trips outside your current annual policy you either take out single trip cover or if it's cost effective and the trip is going to be completed within a year buy a new annual policy.

OK. It had never occurred to me to take out a single trip/annual policy in advance if I had a current annual with several months to go.

Boa21

katejo wrote: »

OK. It had never occurred to me to take out a single trip/annual policy in advance if I had a current annual with several months to go.

This was the numb of my original question - annual policy expires in November (for example), trip is planned for December.

I intend to take out a new policy in November, but what if I fall ill in October so that I know I won't be able to travel in December.

Does the policy that expires in November cover me?

katejo

Boa21 wrote: »

This was the numb of my original question - annual policy expires in November (for example), trip is planned for December.

I intend to take out a new policy in November, but what if I fall ill in October so that I know I won't be able to travel in December.

Does the policy that expires in November cover me?

If you fell ill in October with something which would prevent you travelling in December, your current policy should cover the cancellation charges.

silvercar

Boa21 wrote: »

This was the numb of my original question - annual policy expires in November (for example), trip is planned for December.

I intend to take out a new policy in November, but what if I fall ill in October so that I know I won't be able to travel in December.

Does the policy that expires in November cover me?

katejo wrote: »

If you fell ill in October with something which would prevent you travelling in December, your current policy should cover the cancellation charges.

The problem comes if you don't need to cancel, but want to go on holiday with coverage for your new problem. When you go renew your insurance in November, the insurer may choose not to offer cover for what is by then an existing problem.

Whereas had you taken out a new policy (or renewed) before October it would be covered.

Quentin

silvercar wrote: »

The problem comes if you don't need to cancel, but want to go on holiday with coverage for your new problem. When you go renew your insurance in November, the insurer may choose not to offer cover for what is by then an existing problem.

Whereas had you taken out a new policy (or renewed) before October it would be covered.

Not necessarily


If you have a new condition prior to departure you are required to notify your insurer, whether you are using single trip or annual cover


If the condition is one they do not wish to cover then you have choices:


1) Continue with the trip in the knowledge you have no cover for anything happening that is related to the new condition


2) Cancel your trip and claim the cancellation charges

katejo

Quentin wrote: »

Not necessarily


If you have a new condition prior to departure you are required to notify your insurer, whether you are using single trip or annual cover


If the condition is one they do not wish to cover then you have choices:


1) Continue with the trip in the knowledge you have no cover for anything happening that is related to the new condition


2) Cancel your trip and claim the cancellation charges

That takes me back to my original question for which you suggested the need to buy an additional single trip policy for the future booked trip. If the diagnosis of the new symptoms hasn't been confirmed/made by the time the renewal is required, the insurer won't cover the condition and may refuse to renew the policy at all. Then you are stuck even if the possible condition is minor.

silvercar

Agree that it is all a minefield and whereas in your mind you think "I have annual insurance I am covered for an infinite number of holidays" in practice there are issues like this.

One further question, if I may butt into your thread, what happens with a policy provided alongside a premium bank account? There is no renewal date, monthly fee paid and continuous cover provided.

Quentin

silvercar wrote: »

.....One further question, if I may butt into your thread, what happens with a policy provided alongside a premium bank account? There is no renewal date, monthly fee paid and continuous cover provided.

Assuming that you continue to qualify for the cover and the bank continue to provide the insurance then you just need to make sure you follow the policy ts + cs about notifying new medical conditions.

katejo

silvercar wrote: »

Agree that it is all a minefield and whereas in your mind you think "I have annual insurance I am covered for an infinite number of holidays" in practice there are issues like this.

One further question, if I may butt into your thread, what happens with a policy provided alongside a premium bank account? There is no renewal date, monthly fee paid and continuous cover provided.

I have always avoided this type because I suspected that you had to be in perfect health when first opening the premium account.