New Travel Insurance discussion area

bpc101

I don't think you need to pay £140 for that kind of cover to guarentee good medical assistance. Which? has recently published a list of good insurers for holiday travel maybe worth checking that out.

I know of a few good companies, but don't want to be spamming this place with recommendations!

molby73

Would appreciate advice on what type of insurance I need or a company providing it.

Going to be in SE Asia for 36 days. Taking a couple of flights while there as well as various train trips. Also have a couple of hotel bookings.

Do I need annual multi trip? There are some which will cover the 36 days no problem but seem to only cover the travel between the UK and destination country.

Or do I need Backpacker insurance?

Thanks!

bpc101

No need for Annual Multi-Trip, you could just use a Single Trip Policy that allows for 36 days cover. Its not how many flights you take on your trip that makes it mulit-trip, its how many holidays you take in a single year. With Annual policies they normally cover trips to a maximum of 30 days (some may do more), but if you aren't planning on any more holidays this year then a single trip policy will do.

Backpackers insurance has lower benefits as a rule as the time away is normally longer.

molby73

I do have various other trips within the year so it would be an annual policy I need.

It was the first couple I checked which didn't seem to cover flights departing and landing outside of the UK but have now come across more that do.

bpc101

No problems, just make sure the annual policy you go for covers trips longer than 31 days as this is often the standard.

boltster

Hi, I'm arranging a family holiday. Part of the group is a father and his children. He is going through a divorce, has access to his children, but they live with their mother. Trying to arrange insurance for them, but most policies state that children on a family policy must live "at home". Phoned one company today for suggestions and they said that it would be up to the mother to arrange insurance as she lives with them.
Anyone got any solutions for this situation? Cheers.

dylanyouknowwho

I have looked at EHIC Plus and typed in all of our details. Family of 5 travelling to Spain.

Husband's Pre Existing conditions - asthma (mild, used inhalers, never been hospitalised) and varicose veins,

middle son - asthma (never been hospitalised).

Now, the price seems ok - but husband has been referred to a Specialist to have veins stripped (sorry for information). I have checked the "small print" and it says this:

This Acknowledgement sets out the details provided by you and the amendments that will be necessary when you purchase a
policy. You will not be covered for any trip where at the time of taking out this insurance you are waiting for an operation, hospital
consultation (other than for regular check ups for a stable condition) or other hospital treatment or investigations, or are awaiting
the results of any tests or investigations.


Now, does this mean husband will not be covered as at the time of travel (1 months time) he will still be waiting to see Specialist.


Thank you for any help you can give - I don't want to pay for the insurance as if I do it wrong it's worthless.

dacouch

boltster wrote: »

Hi, I'm arranging a family holiday. Part of the group is a father and his children. He is going through a divorce, has access to his children, but they live with their mother. Trying to arrange insurance for them, but most policies state that children on a family policy must live "at home". Phoned one company today for suggestions and they said that it would be up to the mother to arrange insurance as she lives with them.
Anyone got any solutions for this situation? Cheers.

That is because you are asking for a "Family" rate, try entering One Adult and then the children rather than asking for family cover.

The other way is for him to take out cover with a company on his own and then take out cover for the children seperately with the same insurer.

Another method is a few companies offer cover for children to travel independantly from the parent on an annual policy. He could take out a policy in the mothers name with one of these policies which would then cover the children. Again it would be best for him to take cover out with the same insurer

sue.b_2

I am going to Australia to visit my son. I have annual worldwide travel insurance. My daughter and her children will be coming with me. Should we try to get all of us covered by the same policy or can they insure separately? I would travel alone if they were not able to go but they would not go without me if I were to fall ill before or during the trip.
I have searched this forum but not found these exact circumstances.
Thanks for any help.

dacouch

The best solution is if they have cover with a policy from the same Insurer or at least underwritten by the same Insurer.

Imagine if you have a claim, with different companies you will have to make a few different calls to report the claim and then keep speaking to different companies. If there is a major claim you might find one company covers it and the other doesn't which can cause problems and expense