Insurance Overnight Stay

icedms

I’m a carer and want to do a craft course and an overnight stay in Wales for my birthday. Is it possible to get insurance for such a trip and would I be covered if I had to cancel because the person I care for got ill?

Mark_d

Are you paid to be a carer?  If the person you care for an immediate family member?

sheramber

You can insurance for UK travel I think you need to have booked two nights in paid accommodation.

You need to check out the policy wording which will vary from one policy to another.

 Cancellation for illness would probably require a medical certificate.

 You would need to check what cover was given  if the person you cared for  got ill.

Again if covered you would need  confirmation of the illness and that it was not expected. 

There would probably be an excess to pay which may cancel out the value of any claim. 

icedms

Sounds like I will just have to risk it if I want to go.

MyRealNameToo

icedms said:

I’m a carer and want to do a craft course and an overnight stay in Wales for my birthday. Is it possible to get insurance for such a trip and would I be covered if I had to cancel because the person I care for got ill?

check with the insurers but most require 2 nights stay for travel insurance to cover a UK based trip and you must be staying in a hotel or similar (ie not crashing with friends/family). 

Your unlikely to be covered for your client being ill unless they are also a close relative

harz99

You can mitigate any potential losses by using a booking engine like booking.com to buy your accomodation, and ensuring you book a place that offers free cancellation before the first day of stay... but as others have said you won't be able to get insurance cover for a one night stay, nor to cover cancellation due to your client being ill.

user1977

Also if the illness is related to any existing condition the client has, it's unlikely to be covered anyway.