Multi Policy Travel Insurance

MyRealNameToo

owls1867 said:

DullGreyGuy said:

owls1867 said:

DullGreyGuy said:

owls1867 said:

DullGreyGuy said:

owls1867 said:

Hi all -

Just a quick question. 

I am going travelling in October to 4 different countries over a 6 week period. I am not spending anymore than 2 weeks in one location before I move on to somewhere else. (Japan / Vietnam / Laos / Thailand). 

Would I be covered using annual multi policy type of insurance or would I need specific backpacking? 

I am presuming that the Multi Policy would be sufficient in my case as I am only spending a short period of time in each country? I can't see why I wouldn't be covered in my circumstances with this type of insurance, but thought I would check.

Thanks, Tom 

Presumably you arent returning to the UK between each country in which case you need either a single trip policy for the whole trip or a annual policy which is able to cover a single trip of up to 42 days (some are limited to 28 days). 

How are you moving between the countries? Its not uncommon for Travel insurance to only cover a missed/cancelled/delayed flight if its your outbound or return journey and they dont cover mid holiday you missing one of your flights (though will cover the cost of the flight if the whole trip is cancelled)

Thanks for your reply. 

Yes - I won't be returning to the UK inbetween countries. I will fly out to Japan from the UK, then from Japan to Vietnam, then onto Laos and finally ending up in Thailand before flying home. 

My feeling was the annual / multi trip policy would be most suitable considering it its multiple countries I am going too and each country would be well below the 30 day time limit, but I can't work out the difference between that and back packing type of insurance (except for the length of stay). 

it doesnt require an annual policy but one may be cheaper, particularly if you are going abroad again.

A "trip" is from when you leave the UK and go when you land back in the UK, if you go to one place or 30 countries doesnt make it more than one trip. So you need to count the total time you will be out the country and thats the limit you will need on an annual trip policy. The fact you are in one country for 1 day or 20 days is irrelevant. 

Backpacking policies mainly allow a longer single trip than standard insurance will, the better annual policies cover trips (time whilst you are outside the UK) up to 90 days whereas a backpacker policy can cover a trip up to 18 months. 

Typically things like possessions cover are lower on backpacker policies but ultimately they are just marketing terms being applied to travel insurance, there is no different rules or governance over the two but marketing works well on people. 

So the fact I’m not flying back to the UK doesn’t make a difference for a single policy? I just want to make sure that I’m covered let’s say on lost luggage on a flight from Japan to Vietnam etc.

Im going to be away roughly for 6 weeks, so not a huge amount of time. It was more to make sure that I’ve protected whilst moving from one country to another. So effectively, in my case, a single policy is pretty much the same as backpacking?

Having a brief look at prices - and as mentioned below - a multi policy for the year is cheaper than a single one. It fits into my schedules in each place, but I was more querying if I’m covered from non UK to non UK flights and what is classed as a “trip” 

It makes a difference in that it's considered a single trip so on an Annual/ multi-trip policy you need to ensure the max total duration is sufficient for how long you are out of the country. 

As previously described you need to check what cover you will have if, for example, your flight from Japan to Thailand is cancelled or delayed or you get to the airport too late etc... this varies significantly between policies. I've not seen a policy where baggage cover is varied by having additional mid holiday flights. 

Hi,

Sorry to bring this up again. I think its me being completely thick and me not getting it, but it sounds like you have a bit more knowledge about it than me, so I thought I would ask again. 

So - the dates for my trip is in total 32 days (2nd October - 3rd November). In that period, I will not be flying back to the UK and I will be visiting different countries within those 32 days as mentioned. 

I have found an annual policy for cover for 35 days per trip that is significantly cheaper than a single policy. 

I am presuming that I am just lucky in the fact that my trip is within the specified insurance time frame for the annual policy? I am checking with this insurer however that they do cover such things as lost luggage between two non UK countries, but all being well - this will probably be what I will go with unless you believe that I have got the wrong end of the stick? 

Not particularly lucky, whilst a 31 day standard limit is probably the norm there are some that offer much longer. Of those with a shorter limit many will allow you to extend the limit for a single trip paying a not too bad a premium to increase the limit by a few days or more. 

TELLIT01

owls1867 said:

My feeling was the annual / multi trip policy would be most suitable considering it its multiple countries I am going too and each country would be well below the 30 day time limit, but I can't work out the difference between that and back packing type of insurance (except for the length of stay). 

Travel insurance generally covers the total time abroad, not the time spent in each country.  A policy with a 30 day limit per trip would not cover a holiday of 6 weeks irrespective of whether that was in one country or several.

owls1867

TELLIT01 said:

owls1867 said:

My feeling was the annual / multi trip policy would be most suitable considering it its multiple countries I am going too and each country would be well below the 30 day time limit, but I can't work out the difference between that and back packing type of insurance (except for the length of stay). 

Travel insurance generally covers the total time abroad, not the time spent in each country.  A policy with a 30 day limit per trip would not cover a holiday of 6 weeks irrespective of whether that was in one country or several.

Thanks the reply - yes, I have managed to work out the total time away is in fact 32 / 33 days and I have found an annual travel policy that covers a 35 day trip at a time, so that seems to fit what I am looking for. 

owls1867

MyRealNameToo said:

owls1867 said:

DullGreyGuy said:

owls1867 said:

DullGreyGuy said:

owls1867 said:

DullGreyGuy said:

owls1867 said:

Hi all -

Just a quick question. 

I am going travelling in October to 4 different countries over a 6 week period. I am not spending anymore than 2 weeks in one location before I move on to somewhere else. (Japan / Vietnam / Laos / Thailand). 

Would I be covered using annual multi policy type of insurance or would I need specific backpacking? 

I am presuming that the Multi Policy would be sufficient in my case as I am only spending a short period of time in each country? I can't see why I wouldn't be covered in my circumstances with this type of insurance, but thought I would check.

Thanks, Tom 

Presumably you arent returning to the UK between each country in which case you need either a single trip policy for the whole trip or a annual policy which is able to cover a single trip of up to 42 days (some are limited to 28 days). 

How are you moving between the countries? Its not uncommon for Travel insurance to only cover a missed/cancelled/delayed flight if its your outbound or return journey and they dont cover mid holiday you missing one of your flights (though will cover the cost of the flight if the whole trip is cancelled)

Thanks for your reply. 

Yes - I won't be returning to the UK inbetween countries. I will fly out to Japan from the UK, then from Japan to Vietnam, then onto Laos and finally ending up in Thailand before flying home. 

My feeling was the annual / multi trip policy would be most suitable considering it its multiple countries I am going too and each country would be well below the 30 day time limit, but I can't work out the difference between that and back packing type of insurance (except for the length of stay). 

it doesnt require an annual policy but one may be cheaper, particularly if you are going abroad again.

A "trip" is from when you leave the UK and go when you land back in the UK, if you go to one place or 30 countries doesnt make it more than one trip. So you need to count the total time you will be out the country and thats the limit you will need on an annual trip policy. The fact you are in one country for 1 day or 20 days is irrelevant. 

Backpacking policies mainly allow a longer single trip than standard insurance will, the better annual policies cover trips (time whilst you are outside the UK) up to 90 days whereas a backpacker policy can cover a trip up to 18 months. 

Typically things like possessions cover are lower on backpacker policies but ultimately they are just marketing terms being applied to travel insurance, there is no different rules or governance over the two but marketing works well on people. 

So the fact I’m not flying back to the UK doesn’t make a difference for a single policy? I just want to make sure that I’m covered let’s say on lost luggage on a flight from Japan to Vietnam etc.

Im going to be away roughly for 6 weeks, so not a huge amount of time. It was more to make sure that I’ve protected whilst moving from one country to another. So effectively, in my case, a single policy is pretty much the same as backpacking?

Having a brief look at prices - and as mentioned below - a multi policy for the year is cheaper than a single one. It fits into my schedules in each place, but I was more querying if I’m covered from non UK to non UK flights and what is classed as a “trip” 

It makes a difference in that it's considered a single trip so on an Annual/ multi-trip policy you need to ensure the max total duration is sufficient for how long you are out of the country. 

As previously described you need to check what cover you will have if, for example, your flight from Japan to Thailand is cancelled or delayed or you get to the airport too late etc... this varies significantly between policies. I've not seen a policy where baggage cover is varied by having additional mid holiday flights. 

Hi,

Sorry to bring this up again. I think its me being completely thick and me not getting it, but it sounds like you have a bit more knowledge about it than me, so I thought I would ask again. 

So - the dates for my trip is in total 32 days (2nd October - 3rd November). In that period, I will not be flying back to the UK and I will be visiting different countries within those 32 days as mentioned. 

I have found an annual policy for cover for 35 days per trip that is significantly cheaper than a single policy. 

I am presuming that I am just lucky in the fact that my trip is within the specified insurance time frame for the annual policy? I am checking with this insurer however that they do cover such things as lost luggage between two non UK countries, but all being well - this will probably be what I will go with unless you believe that I have got the wrong end of the stick? 

Not particularly lucky, whilst a 31 day standard limit is probably the norm there are some that offer much longer. Of those with a shorter limit many will allow you to extend the limit for a single trip paying a not too bad a premium to increase the limit by a few days or more. 

Thanks for the reply - you are right, a lot were 25-30 days, but this one I have found covers 35 days per trip so will just fit in nicely with my criteria and needs.

I am just checking the policy covers flights between each individual country and not just to and from the UK.