New Travel Insurance discussion area

dacouch

It would depend on who your cover is with

smcg2212

I haven't bought any yet as thought I wouldn't be covered. Is there an easy way to see which insurances will cover us? Or do you have a recommendation? I will be looking for worldwide annual cover (excluding North America) for myself and my wife.
Thanks

dacouch

You mention you have "Booked" tickets over the phone, so I assume you have entered into a contract to buy them.

Here are the relevant wording from the Fortis Policy from the Post Office

"For annual multi-trip insurance:

Cancellation cover starts when you book each trip or at the date and time of issue recorded as part of your application as shown on your policy confirmation, if this is later.

1. We will pay you up to £5,000 for unused travel and accommodation charges (including unused kennel and cattery expenses up to £250) which are not recoverable elsewhere and which you have paid or contracted to pay should you have to cancel your trip before you leave your home or place of business as a result of the following commencing during the period of insurance:"

Fortis are a good Insurer with a good reputation for Travel Claims.

If you look at other companies look for a similar wording eg "Book each trip" or "Contracted to Pay"

Ambre_Solaire

I have an annual WW Travel Insurance policy with Fortis which cost me around £96 in September. I have just rung them for advice regarding a proposed trip of 67 days to Spain. I am aware maximum cover is 31 days per trip. They have quoted £87 for cover for the 67 days. Is it normal practice with that I cannot purchase cover for the additional 36 days and must purchase for the 67 days

Thanks

DitzyLips

FH_Brit wrote: »

Stay with the Post Office policy (see my above reply)

Do you think £80 is roughly what i can expect to pay? That was the online single trip quote but i think they might offer my better once i speak with them because i had annual cover with them that recently expired.

dixiehd1450

im travelling to the usa soon for 15 days holiday... i have existing medical conditions (stents fitted in coronary arteries) stable now for over 12 months after heart attack 2years ago...take regular medication etc, im 53 years old... can anyone recommend/direct me to... insurance provider...(medical cover required) Thanks.

donnawood

Travel policies i found in my searches including Scheduled Airline Failure cover are:-
Direct Line
AA Travel Insurance
Post Office
Direct Travel Insurance
British Airways
Flybe
EasyJet
Ryanair
Columbus
Saga

Others i came across had a policy excess or dubious exclusions

Came across this blog about the post office policy so may avoid this one

www cashquestions.com/forum/showthread.phb?t=11186

, they mention this cover is available stand alone if your policy does not include it. Cover available from ProtectMyHoliday.com

hairy_g

dixiehd1450 wrote: »

im travelling to the usa soon for 15 days holiday... i have existing medical conditions (stents fitted in coronary arteries) stable now for over 12 months after heart attack 2years ago...take regular medication etc, im 53 years old... can anyone recommend/direct me to... insurance provider...(medical cover required) Thanks.

I too have a pre exsisting condition, ( COPD ) and have used "Insure and Go" since 2003 for travelling to the USA.

malc_b

Is there any alternative to reading through all the policy documents to find a good travel insurance? You have to watch them like a hawk. Some say any pre-existing medical condition and don't define that. Some say this is in the last year, some the last 2yrs. Some say medical condition is anything you were prescribed medicine for and some say you can ignore these (such as colds, HRT, broken bones, etc.). And don't think this is trivial. There have been cases of insurers' saying the policy is invalid because you didn't declare x even though that had nothing to do with the claim.

Then there cover for missed departure. Some include cover if you held up because a lorry driver 3 miles ahead fell asleep and the motorway is closed for 4hrs while they sort it.

Then there is failure of scheduled airline, that's getting more important now that airlines charge so much for credit cards.

It would be nice to find a web site that would cut down on some of the work but I suppose that is expecting too much

UPDATE (to save others some work):

No cover for missed departure due a motorway accident ahead of you:
Insurewithease, More than, getmy.com, oinc.com, Direct line, AA, LV, Nationwide (LV), Debenhams, Aviva, Halifax

No cover for scheduled airline failure (but cover for motorway):
Travel Insurance Web, Greenbee, Swinton

In the end I went for columbus for motorway and airline failure cover with just medical conditions in the past year. I'd have preferred one that had a "you don't need to tell us about these conditions" list but I couldn't find on that ticked all the boxes so I declared the wife's HRT on columbus (£61->£64). BTW the way it seems to work is you jump up a notch for one person with any number of trivial conditions, and then jump up again if there are two people with trivial conditions. I also opted for the £61 cover instead of the 50 cover since that was only £300 for a missed departure (like that's going to cover next day tickets on a scheduled airline). The £61 cover is £1000 per person.

Other ones to avoid in my opinion. Swinton - medical conditions in last 5 yrs! Direct travel insurance, includes back conditions along with cancer, heart, stoke. Essential travel, includes an ignore these conditions list but you can only pick one.

FH_Brit

DitzyLips - Well who am I to say yes or no - really you have to decide if you are getting a fair price for the cover you need.