Beware! Travel Insurance doesn't include swimming in open waters

rs65

Holidaysafe_Representative wrote: »

We define it as 'Swimming in outdoor bodies of water such as open oceans, lakes and rivers, outside of marked swimming areas and with the absence of a lifeguard.’

Is that definition in your policy wording?

Holidaysafe_Representative

Hi forgotmyname & rs65,

Swimming in the sea would be covered as standard as long as you stay in the marked swimming areas. They don't always have marked areas in lakes, so as long as a lifeguard was present that would still be fine.

The definition is not currently in our policy wordings, but I am in discussions with our Underwriters to get this added. I am also going to amend the activity packs on our website to include this information.

Kind regards,

Amber

rs65

Holidaysafe_Representative wrote: »

Swimming in the sea would be covered as standard as long as you stay in the marked swimming areas. They don't always have marked areas in lakes, so as long as a lifeguard was present that would still be fine.

Not according to your policy. No mention of marked areas or lifeguards.

Activity Pack 1 covers swimming (pool - not open water) and swimming with dolphins.

Don't just make up what is covered.

Holidaysafe_Representative

Hi rs65,

That is going to be changed.

I've double checked with our Underwriters and the intention is to cover swimming as standard, unless it is in open water (i.e. outside of marked areas and/or without a lifeguard).

Amber

Quentin

Mmmmmmm.

Is this thanks to this thread and the OP 's warning?!

When the op mentions Holidaysafe being recommended by MSE that does NOT refer to the MSE forum (as a read through the posts thrown up by a forum Search shows)

And MSE recommendation is based on price. It is in the guide to cheap insurance. Also note the significance of the asterisk next to the link in the MSE guide!

rs65

Holidaysafe_Representative wrote: »

That is going to be changed.

Until its changed, its not covered by the policy.

glentoran99

daveyjp wrote: »

Its a reasonably priced annual policy. There will be exclusions, another one is no cover for lost or stolen passports.

Imagine a family of four have passports stolen, it could be thousands to get documents to get home.

friend of mine lost his passport the morning we were flying home, He was allowed on the plane and simply had to fill in a declaration when we arrived home

Aretnap

How about snorkelling and scuba diving? Are they only covered in marked areas with a lifeguard present (a rather important detail to leave out)? Or are they not a form of swimming - in which case I can presumably go swimming where I damn well like, so long as I take a snorkel with me??!!

I think some of your terms need a bit more thought, to be honest.