Booked cruise hol Aug 2027,paid deposit, but can't get travel ins. more than 18 months in advance

julie_152

I've booked a flights and cruise holiday departing uk 15th Aug 2027 (visiting Japan and South Korea), paid £1900 deposit,but no travel insurance provider will allow me to book for a single trip 2 years in advance. The maximum is 18 months. What I'm wondering is whether I'm covered for the deposit amount if something happens to any travellers between now and 18 months prior to travel (once I've booked insurance)? When I paid the deposit I was told this was non refundable.

NoodleDoodleMan

If (God forbid) any of the party have to withdraw on medical grounds before travel insurance is in place then there will be no cover in respect of a non refundable payment.

silvercar

I have travel insurance through my bank account. Provided I keep the paid bank account going, the travel insurance is ongoing. 

NoodleDoodleMan

silvercar said:

I have travel insurance through my bank account. Provided I keep the paid bank account going, the travel insurance is ongoing. 

Likewise.

If the OP were to take out a rolling packaged bank account with travel insurance on 15th August 2025 (date quoted as example) - would it offer cover for any withdrawals within the advance timescale the lady indicates ? 

We never book that far ahead so have no experience of potential dramas.

heatherw_01

I have annual travel insurance and I am covered as long as I keep it renewing. Or at least that is what I was told by my insurer. 

silvercar

NoodleDoodleMan said:

silvercar said:

I have travel insurance through my bank account. Provided I keep the paid bank account going, the travel insurance is ongoing. 

Likewise.

If the OP were to take out a rolling packaged bank account with travel insurance on 15th August 2025 (date quoted as example) - would it offer cover for any withdrawals within the advance timescale the lady indicates ? 

We never book that far ahead so have no experience of potential dramas.

It should do, provided you don’t have a break in the policy. 

Shimrod

julie_152 said:

I've booked a flights and cruise holiday departing uk 15th Aug 2027 (visiting Japan and South Korea), paid £1900 deposit,but no travel insurance provider will allow me to book for a single trip 2 years in advance. The maximum is 18 months. What I'm wondering is whether I'm covered for the deposit amount if something happens to any travellers between now and 18 months prior to travel (once I've booked insurance)? When I paid the deposit I was told this was non refundable.

Have you tried specialist cruise travel insurance or cruise travel agencies? I can get a quote for August 2027 from here when choosing cruise travel insurance (not a recommendation on this particular provider though as I have never used them).

https://www.allianz-assistance.co.uk/travel-insurance-quote.html

NoodleDoodleMan

silvercar said:

NoodleDoodleMan said:

silvercar said:

I have travel insurance through my bank account. Provided I keep the paid bank account going, the travel insurance is ongoing. 

Likewise.

If the OP were to take out a rolling packaged bank account with travel insurance on 15th August 2025 (date quoted as example) - would it offer cover for any withdrawals within the advance timescale the lady indicates ? 

We never book that far ahead so have no experience of potential dramas.

It should do, provided you don’t have a break in the policy. 

Thanks, that was my thinking too.

If the OP is interested it's worth a 'phone call to the travel insurers who provide cover to determine specifics.

We now have Nationwide FlexPlus joint account with Aviva as insurers, fee £18 monthly to cover both account holders. It's easy enough to contact Aviva ahead of deciding if such an account is suitable.

The dynamics will be different of course if the lady is looking to include others in the policy.