Travel Insurance Overlap

thechatking

I'm currently trying to organise some travel insurance for a 33-day trip this December, but it's proving to be rather expensive. Part of the expense is the need to declare pre-existing conditions, which is fine, but there appears to be a bit of a price hike when you want cover for trips longer than 31 days. My quote from Norwich Union jumped from £120 to £190, just by changing the maximum trip length from 31 to 45 days.

I asked the Norwich Union man what would happen for trips over 31 days (if we only got the 31-day policy) and he said that we'd only be covered for the first 31 days. So, this leads to my theory - can we just get the 31-day cover and then get an additional 2-day single trip policy to cover us for the last two days of the holiday? What are the consequences or considerations of doing this?

Thanks for your help.

Mikeyorks

thechatking wrote: »

What are the consequences or considerations of doing this?

Pretty dire, I suspect ..... in the event you need to make a claim.

I doubt very much that Norwich Union would support their stated logic in the event you made a claim. And you wouldn't stand the remotest chance with the 2 day policy - which turns out to be days 32/33 !!

Don't really think you've thought it through? In this case isn't there cover offered by the holiday provider and which may be cheaper than a single trip policy?

thechatking

Hi Mike, thanks for your comments. I thought it sounded a bit messy, myself, but I've since found a more suitable price and it's no longer an issue.

wolfehouse

some annual travel insurance policies cover trips from 45-60 days...

columbus direct have an annual super policy with a max of 60 days abroad. they are good about covering pre-existing conditions with a reasonable amount added, and you can get a 20% discount using the code from www.responsibletravel.com

have you looked at the pre-existing conditions thread? there are some suggestions for other companies there.

thechatking

I got a decent quote from Columbus Direct, although they have been experiencing email problems and couldn't send over details of the policy until today, whereas I had to book yesterday. In the end, I got a reasonable deal with https://www.covermytravel.co.uk.