Honeymoon Insurance Question

djjz13

We're excitedly planning our honeymoon for October 2020

We've currently got annual travel insurance that runs December to December.

As I read the terms of my insurance, my current policy (December 2018-2019) will not cover any deposits that we are paying now, until we renew in December 2019?

So if anything was to happen (cancellation, cold feet :rotfl:or the destination closing, we won't be covered)

Is it worth me buying an additional policy now, just for the honeymoon?

Thank you,

EveryWhere

Post the T&C and point out the relevant paragraph. .

Gloomendoom

I'd be surprised if your travel insurance covered cold feet, now or after renewal.

djjz13

Yeah fair point - I was kind of half joking about the cold feet

djjz13

Uploading an image isn't working.

IT just says under the 'What's not covered' section - Trips outside of your period of insurance. Which would include this trip.

jimbo6977

Try insurers that specialise in Cruises - these are often booked up to 2 years in advance.

djjz13

Good shout - any recommendations?

Is it worth buying the extra policy as I'll be getting a new annual one in December anyway?

beckysbobbles1

I've recently booked a special holiday and I simply took a new annual policy out from this date as the amount I paid is a lot.


Compare the cost of only getting insurance for that specific trip.

Gloomendoom

I get travel insurance through my bank with a monthly fee. It covers me for trips beyond the end of the month. Effectively, there is no renewal date.

EveryWhere

djjz13 wrote: »

Good shout - any recommendations?

Is it worth buying the extra policy as I'll be getting a new annual one in December anyway?

Who is your insurer?

Most decent policies will cover your deposit; https://www.thisismoney.co.uk/money/experts/article-4603020/Can-cancel-August-trip-insurance-ends-July.html

So check with your insurer. They may just mean that anything that happens on a holiday that isn't within the period. As opposed to meaning; cancellation for trips booked within the insurance period.