Would annual travel insurance cover for a trip booked months in advance?

doningtonphil

Insurance is always about insuring against an event that you didnt know was going to happen. So you should have an insurance policy in place from the point  of your initial booking. You WILL have that as any event that does crop up before taking out your new policy can be taken care of by the existing policy anyway.

The only issue may be if a teaveller suffers from an illness while yoyr existing policy is in force but doesnt, at that time, cause you to cancel. That illness will not be covered by the new policy. If yiu suffer such an illness just renew your existing policy so it is covered

maman

ira_ira said:

HoofeHearted said:

If you have to cancel before the end of March, your current insurance will cover you.

If you cancel after the end of March, you newly renewed insurance will cover you, as long as the reason for cancellation, was not known when you renewed.

Hi, I don't think I'd need to cancel the trip before my current insurance ends. My issue is that if I purchase the tickets before getting the new insurance, those may not be covered. Although I'd be within the new insurance by the time of travelling, the purchase was done before I was covered.
I've been reading through the policy, but I can't find anything that clarifies this situation. I'm yet to find any good explanation of when do you need to purchase the insurance to make it valid for your trip. I'm not planning to get insurance in the last minute, but my understanding was that you need to have insurance by the time you purchase the tickets, which I'd have but would expire way before my trip. 

You can't know for certain whether you would need to cancel.
It's not when the tickets were purchased that matters. As an example, you could purchase the tickets today. You'd have two policies beteween now and October when you plan to travel. 
It's about being straight with the insurance people. They won't pay out if your reason for making a claim was already known when you booked or took out the policy.

TELLIT01

You should certainly have insurance in place as soon as possible after booking a holiday or flights or accommodation.  Many people seem to think they shouldn't take out insurance until immediately before they travel and then get caught out.

NoodleDoodleMan

onwards&upwards said:

maman said:

onwards&upwards said:

NoodleDoodleMan said:

You really need travel insurance in place before booking any holiday.

That can’t be right surely?  I only ever buy single trip and only ever after booking the holiday, are you saying that if I booked first and then an hour later bought an annual policy I wouldn’t be covered? 

Single trip, bought for the actual holiday is fine if you actually get to go.
The purpose of buying as soon as you book is so that if anything happens, in advance, that would prevent you travelling then you are covered.
So, to use your example, if during the hour you weren't covered and went to the GP and found out you were pregnant then you wouldn't be covered if you weren't fit to fly!  
I think it's particularly important for expensive holidays booked a long time ahead. I've sometimes let my insurance lapse for a few months if I've nothing booked or just a couple of cheap flights that I wouldn't be upset about losing if I couldn't go. 

Well yes, quite!  The poster I was responding to seemed to be saying that if you book a holiday, then shortly after booking buy an annual policy, you wouldn’t be covered because the holiday was bought before the policy.

unless i’m Misunderstanding? 

I obviously did not explain clearly, apologies.

Travel cover is not retrospective where an accident or illness occurs after a holiday is booked but before the policy is effective.

Having two concurrent or overlapping policies is pointless duplication as only one will pay out where appropriate.