Husband needs seperate travel ins. If he has to stay can I claim to stay on my insurance too?

moneysaver2025

Husband has pending colonoscopy for possible crones. Tbh consultant thinks he doesn't have it so last investigation to discharge. Sadly it's on after holiday.

He's well so looked at travel for him excluding the condition. Our bank won't cover him but will cover myself and child.

But if any happens if we have two insurances with two people, ie if he has issues abroad can I stay and claum? His insurance are asking to charge £30 for companion cover but not sure what it even is

elsien

You’re not going be able to claim on your Insurance for a medical condition for a travelling companion that you haven’t declared, even if he’s insured separately. 

If you’re not sure what the companion insurance covers then your husband needs to get the specific terms and conditions from his insurer before you decide what to do. 

Brie

Not sure if I agree with elsien (who is very knowledgeable).  But I've heard that the problem is that if you have 2 insurance policies you have to claim on both so both deductibles are involved so it may not be worthwhile claiming.  

I'm working my way through this currently as we've got an annual policy that covers us for all of our various medical issues but doesn't cover me to travel to Canada where I'm going in a week or so.  So wondering if I should arrange something with the same company or elsewhere to get a cheapo policy.  

beckstar1975

From experience if you have a close relative with something that may mean you couldn’t travel you won’t be covered for it. DH and I both had this with our mums, the fact he’s meant to be travelling is I think a red herring. So, unless you have declared this to your insurer and they have agreed to cover you I don't think you are covered for him.

NoodleDoodleMan

Your child is most likely another complicating factor.

I doubt if your insurer would cover him/her to remain with you if you are required to stay with your husband - that has obvious implications for a minor returning to the UK.

Maybe somebody with more insight can clarify ?

DullGreyGuy

Brie said:

Not sure if I agree with elsien (who is very knowledgeable).  But I've heard that the problem is that if you have 2 insurance policies you have to claim on both so both deductibles are involved so it may not be worthwhile claiming.  

I'm working my way through this currently as we've got an annual policy that covers us for all of our various medical issues but doesn't cover me to travel to Canada where I'm going in a week or so.  So wondering if I should arrange something with the same company or elsewhere to get a cheapo policy.  

Excess are per claimant so makes no difference if it is 1 policy with 2 insured or 2 policies with 1 insured, its still two people claiming and so two excesses to pay. 

Elsien will be correct with the majority of policies assuming the OP's husband;s reason for cancelling etc is this medical condition and not that he has a fall and breaks something. Those on separate policies will be covered if one or more of their party are unable to travel etc but not if its caused by pre-existing conditions, thats why its better for the whole party to be covered by a family or group policy. 

NoodleDoodleMan said:

Your child is most likely another complicating factor.

I doubt if your insurer would cover him/her to remain with you if you are required to stay with your husband - that has obvious implications for a minor returning to the UK.

Maybe somebody with more insight can clarify ?

In the case of the husband becoming ill overseas then it would be his policy that the claim would be made against. Most policies do cover 1 adult staying with them or travelling out to be with them if it's "medically necessary". Most insurers are reasonable in circumstances of a couple travelling with kid(s) that you cannot send a 10 month old baby home alone and typically a kid or two isn't going to materially alter costs of the claim.