New Travel Insurance discussion area

Furch

Hi,

I will be travelling for 2 months mainly in Thailand, I have been looking for insurance and have noticed that most of the cheaper policies have max days per trip at about 31 or less. I was wondering that since I will also be going to Cambodia for a few days and then returning to Thailand - would this constitute a multi-trip so I would be covered the whole time?

richardw

speedmaster wrote: »

I am going to be 22 weeks pregnant then, I also have a nut allergy.

Is the risk high, medium or low that you may need medical treatment when on holiday?

FH_Brit

Whiskas wrote: »

Has anyone experience of the free insurance provided by Capitalone with their Credit Card? There appears to be no upper age limit and no mention of exclusions in their policy.

Beware - if it sounds too good to be true - it probably is - these "free" policies can be very cheap and not until you run up a bill into the tens of thousands of pounds do you put you claim in and find the policy has a £5,000.00 limit (here in Florida a bad broken leg can cost that much)

FH_Brit

cook22uk wrote: »

My question is, do I have to buy a policy before I book flights or will cancellation cover start from day policy bought?

we're taking our in laws out to visit our Florida villa -5 years persuasion to take long haul so booked flights before they changed minds. They are 70 and both in good health when I booked flights in January but since then my father in law has been unwell on and off with overnight stay in hospital and ongoing tests so they have been unable to buy travel insurance - one company, columbus, said phone back in September yet they covered my friend whose son has skin cancer and a bleed on the brain from an accident no problem!

Question is, if we do get cover sorted (say today) and then have to cancel December flights to USA due to health will they get money back or not? Also if he doesn't go nor will mum-in-law as she wouldn't want to and also he would need caring for so where do we stand with her flight?

You MUST ask the insurance company (not the travel agent or broker) each policy from each company is different and therefore your question cannot be answered.

Try Fortis (buy at any Post Office) - Tesco - Barclays Bank - Insure & Go Norwich Union - they are all good policies. BUT DO ASK about your specific needs and ask your in-laws as they may have something you are not aware off and undisclosed by them could invalidate YOUR cover if you are all on the same policy.

FH_Brit

mogedwards wrote: »

Does anybody have a view about taking travel insurance without bothering with a pre existing condition.

My pre existing condition is hypertension (high blood pressure), which was only picked up because I went to a 'well man clinic'. The fact is that most people my age (60) have this but have never been diagnosed. Therefore, I am less of a risk because my hypertension is controlled and is now normal. What risks do I take if I decide not to include it in my policy?

The particularly annoying thing is that whereas I am asked to pay more for travel insurance, when I asked for an enhanced payment on my private pension, I was told that my hypertension was not considered an added risk.

One thing EVERY policy has in common is that if you do not declare a pre-existing condition you are in breach of the agreement and that can mean any totally unrealted injury/illness will not be covered and trust me all the policies have the "permission to contact your previous doctors" clause to investigate your claim. If you do not disclose, then efectively you are traveling without any insurance.

FH_Brit

pamelab21 wrote: »

Hi all

I am looking for insurance for myself and ny hubby for 23 days for a trip to Florida next month. I am fine apart from controlled asthma, use inhaler very rarely. Hubby has no medical issues at all.
The cheapest I can find on the net is 62.00 with Karma insurance. Is this about the right price I can expect? Can anyone tell me if they have got theirs any cheaper?

Thanks

I deal with insurance claims for a group of hospitals in/around Orlando. I have heard of Lloyd Wright (actual insurance company for Karma) and they seem ok as far as I am concerned.

See my other thread here (some usefull tips)
http://forums.moneysavingexpert.com/showthread.html?t=1011487&highlight=florida+travel+insurance%27

FH_Brit

curlyshirley wrote: »

Hi
I have had to cancel my holiday to Turkey due to my husbands ill health.
I have bought £600 worth of Turkish lire and to buy it back I would lose £90 on the conversion.
a)Would the insurance cover me for the loss of this?
b) Is there any way I can et a beter buy back rate ? (than the Post office)
Anyone any ideas?
Or any way to recover the full cost

Do you have the receipt from the Bureau De Change? Many of them will buy back commission free as you bought it from them in the first place.

This is where your plastic friend or travelers cheques have a littl better protedtion. But remember in any case the economy and therefore exchange rates take their toll!

speedmaster_2

the risk i would say in terms of my nut allergy high in the sense of the cusine they serve there although i will be sticking to known international food chains

captaint_2

Hi There,

Myself and my fianc! are leaving London after 3 years to head back to our home in Australia via a 3 week road trip across the U.S. in December.... the question has now come up about travel insurance:

1) Is it worth finding a travel insurance company that also covers us for car rental or should we take out car insurance seperatly with the rental company?

2) Should we get single or multi trip cover? We've heard that for the U.S. it can be cheaper to get multi trip...

Thanks in advance!

Leigh-Anne_60

Hiya Captaint

In response
1/ What sort of car rental cover are you talking about? If its just cancellation most travel policies will cover this as standard. If you require liability etc - you are better sticking with car rental co

2/ Might be cheaper - might not. Get prices for both single & annual from each co you approach. With a trip of over 3 weeks i would say annual would be favourable... just check that your trip is within there maximum trip duration

HTH