Does travel insurance cover visiting additional countries

DullGreyGuy

twopenny said:

If you are buying flights in other countries those flights would I believe come under the rules and regulations of that country so not to expect what is covered in the UK.

I would expect that not to be covered by insurance as it can't be specified and assessed by the insurance company when the cover is purchased.

Under the CIDRA legislation insurers can only rely on the questions they have asked and cannot subsequently have issues that an insured didnt disclose something that they would have wanted to know. 

If I get a quote for a single trip and list my destinations as Germany, France, Italy and Spain how is the insurer going to assess matters like you think they need to? They haven't asked how long I am spending in any of the countries, they haven't asked me how I am going to get from one to another. How would it make any difference to the insurer if I booked from a UK agent whilst in the UK or booked from a UK agent from outside the UK? 

The OP could have booked with an overseas agent whilst in the UK meaning it's still under the regulations of another country but the insurers dont ask the domicile of any of the companies in the supply chain. 

Grumpy_chap

TELLIT01 said:

I have also seen policies asking about Spain specifically.

I think there may be an issue with the liabilities that could arise if driving within Spain.

Notepad_Phil

DullGreyGuy said:

Notepad_Phil said:

A friend of mine was talking to me on the phone this evening about a 3 week holiday he was planning next year to Germany onto Spain and then Italy and then back to Germany and now at the back of my mind I have a vague memory of a money columnist in some newspaper reporting an issue of someone not being covered for their travel insurance because they had travelled on from the area they were first staying at and that this restriction was typical.

Is this genuinely a real issue that I should tell my friend about and if it is an issue that what should my friend look out for? I would think that he wouldn't be particularly worried if he wasn't covered for losing his luggage e.g. between Spain and Italy, but he would be very concerned if the emergency medical expenses and getting you back home component of the insurance was also removed whilst he was in Spain or Italy.

Many thanks for any help.

Edited to add - the onward flights etc to Spain and Italy would likely only be bought after the purchase of the return air fare to Germany, and indeed the dates and flights might only be decided on once he was in Germany and depending on how much he was enjoying it there.

If you buy a Single Trip policy you typically would have to declare all the countries you are going to visit on the trip but in principle moving between each declared country isnt a problem. Annual policies are generally set by territories rather than countries and so as long as all countries are in the geographical limits it's also fine. 

Policies vary if they cover intermediary flights or only the initial flight from the UK and the return leg to the UK.

As long as your outbound and homebound flights are booked before you travel the big ticket things will be covered.

Thanks for your comment, I think you've successfully nudged my memory and it was this that was being reported where someone lost their luggage on a mid-holiday flight. I've no idea what the likely provider covers so I'll get my friend to check before he buys.

And thanks to everyone else who's replied, it's been much appreciated.

Doshwaster

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

DullGreyGuy

Doshwaster said:

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

Annual policies equally vary on if they cover intraholiday flights or just the journey out and back for missed/cancelled flights etc

Voyager2002

DullGreyGuy said:

Doshwaster said:

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

Annual policies equally vary on if they cover intraholiday flights or just the journey out and back for missed/cancelled flights etc

For example, the 'missed departure' section of my annual policy only covers journeys that begin in the UK. If I were to miss my flight home, I would be stuck. Equally, there is no insurance for journeys between one holiday destination and another. 

At least it was cheap!

DullGreyGuy

Voyager2002 said:

DullGreyGuy said:

Doshwaster said:

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

Annual policies equally vary on if they cover intraholiday flights or just the journey out and back for missed/cancelled flights etc

For example, the 'missed departure' section of my annual policy only covers journeys that begin in the UK. If I were to miss my flight home, I would be stuck. Equally, there is no insurance for journeys between one holiday destination and another. 

At least it was cheap!

The "journey" is the complete trip so if you spend 2 weeks in France then 2 weeks in Morocco without returning to the UK it would be seen as one trip of 4 weeks duration and the cost would need to be the total of the two when considering it against the maximum trip duration or policy limits. 

So no, as long as you haven't exceeded the total trip duration then your flight back from Morocco would still be covered for missed/cancelled under most policies. The one that is much more questionable is your flight from France to Morocco where some policies may cover it, at least to some degree, but others won't cover it at all. 

Doshwaster

Voyager2002 said:

DullGreyGuy said:

Doshwaster said:

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

Annual policies equally vary on if they cover intraholiday flights or just the journey out and back for missed/cancelled flights etc

For example, the 'missed departure' section of my annual policy only covers journeys that begin in the UK. If I were to miss my flight home, I would be stuck. Equally, there is no insurance for journeys between one holiday destination and another. 

At least it was cheap!

An exclusion of  intra-holiday flights  wouldn't bother me as I primarily only have travel insurance for the medical cover. If I have etra flights it would typically just be a cheap budget airline ticket which would probably be less than the excess charge. If you were doing an around the world trip with multiple expensive long haul flights then more specialist insurance would be required.

Missing the flight home is an interesting one. I just checked mine (with Admiral) and it says

Missed international departure

We cover you if you miss:

- the final departure leaving the UK on your outbound journey; or

- the final departure of your return journey to the UK;

This could be because of a delay in or failure of scheduled public transport.

Voyager2002

Doshwaster said:

Voyager2002 said:

DullGreyGuy said:

Doshwaster said:

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

Annual policies equally vary on if they cover intraholiday flights or just the journey out and back for missed/cancelled flights etc

For example, the 'missed departure' section of my annual policy only covers journeys that begin in the UK. If I were to miss my flight home, I would be stuck. Equally, there is no insurance for journeys between one holiday destination and another. 

At least it was cheap!

An exclusion of  intra-holiday flights  wouldn't bother me as I primarily only have travel insurance for the medical cover. If I have etra flights it would typically just be a cheap budget airline ticket which would probably be less than the excess charge. If you were doing an around the world trip with multiple expensive long haul flights then more specialist insurance would be required.

Missing the flight home is an interesting one. I just checked mine (with Admiral) and it says

Missed international departure

We cover you if you miss:

- the final departure leaving the UK on your outbound journey; or

- the final departure of your return journey to the UK;

This could be because of a delay in or failure of scheduled public transport.

One always assumes that missed departure cover applies to the journey home, so it was quite a shock when I found that only the outbound journey was covered.

My last big trip was a cheap Ryanair flight from my local airport to Spain, then a flight from there to Cuba. Obviously missing the long-haul flight would have been a disaster, so I had to "endure" two days in Spain near my departure airport, just to make sure!

DullGreyGuy

Voyager2002 said:

Doshwaster said:

Voyager2002 said:

DullGreyGuy said:

Doshwaster said:

Issues like these are one of the reasons I just get an annual travel worldwide policy though I exclude winter sports as I have zero interest in doing them.

Annual policies equally vary on if they cover intraholiday flights or just the journey out and back for missed/cancelled flights etc

For example, the 'missed departure' section of my annual policy only covers journeys that begin in the UK. If I were to miss my flight home, I would be stuck. Equally, there is no insurance for journeys between one holiday destination and another. 

At least it was cheap!

An exclusion of  intra-holiday flights  wouldn't bother me as I primarily only have travel insurance for the medical cover. If I have etra flights it would typically just be a cheap budget airline ticket which would probably be less than the excess charge. If you were doing an around the world trip with multiple expensive long haul flights then more specialist insurance would be required.

Missing the flight home is an interesting one. I just checked mine (with Admiral) and it says

Missed international departure

We cover you if you miss:

- the final departure leaving the UK on your outbound journey; or

- the final departure of your return journey to the UK;

This could be because of a delay in or failure of scheduled public transport.

One always assumes that missed departure cover applies to the journey home, so it was quite a shock when I found that only the outbound journey was covered.

My last big trip was a cheap Ryanair flight from my local airport to Spain, then a flight from there to Cuba. Obviously missing the long-haul flight would have been a disaster, so I had to "endure" two days in Spain near my departure airport, just to make sure!

Most do, obviously the more you buy on price the more likely you get a cut down product. 

2 days in Spain isnt so bad but was that really cheaper than taking a through ticket to Cuba where it would then be the airlines problem if the connection was missed?