Unusual Travel Insurance Requirement
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I'll try to keep this brief
2 friends want to come with us on expensive holiday to Australia & NZ for our 'big' birthdays in Feb 2020. Mine & other half already covered.
Friend 1 - UK citizen, permanently resident in Sweden
Friend 2 (her partner) - Swedish citizen, permanently resident in Sweden.
Both friends under 65
Both have elderly widowed mum, mid 80s, living independently, no health problems, resident in UK & Sweden respectively.
Friends' Home Insurance:cool: also covers them for medical treatment abroad etc but not for cancellation. 'Upgrade' of existing policy not possible
Because of obvious risk of potentially having to cancel, they need that cover.
I've looked at World Nomads, but a review said they only cover cancellation if the 'close relative' lives in the same country. So that looks like a non starter for Friend 1.
Can anyone recommend where else I can look?
2 friends want to come with us on expensive holiday to Australia & NZ for our 'big' birthdays in Feb 2020. Mine & other half already covered.
Friend 1 - UK citizen, permanently resident in Sweden
Friend 2 (her partner) - Swedish citizen, permanently resident in Sweden.
Both friends under 65
Both have elderly widowed mum, mid 80s, living independently, no health problems, resident in UK & Sweden respectively.
Friends' Home Insurance:cool: also covers them for medical treatment abroad etc but not for cancellation. 'Upgrade' of existing policy not possible
Because of obvious risk of potentially having to cancel, they need that cover.
I've looked at World Nomads, but a review said they only cover cancellation if the 'close relative' lives in the same country. So that looks like a non starter for Friend 1.
Can anyone recommend where else I can look?
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Policies issued in the UK are for residents of the UK. Your status and insurance arrangements are irrelevant, they need to find a policy in Sweden which covers their requirements.
Thanks for the comments. This situation cannot be that unusual:cool: and I've discovered that there are policies issued in the UK, which cover non UK residents.
For example, and in case it is of use to anyone else
https://www.goodtogoinsurance.com/non-uk-already-travelled
Also look at similar for accomodation if you're prebooking. Again may not be much if any difference.
Most important thing you need insurance for is medical so if you're certain that's covered that's the main thing.
Just going to add onto this (still should have travel insurance) but Aus and NZ both have reciprocal health agreements with the UK so for friend 1 if something happens and they need to go to the hospital/doctor then take their passport for treatment (still have to pay to see a gp though between $40-150) NZ also as the ACC so you are covered if you have an accident (even if its your own fault) for medical bills. This agreement does not cover reparation or ambulances!
Thanks for all the comments.
My friends have managed to get the requisite insurance cover, including being non UK resident & mums being in different countries, from Voyager Insurance, through the link in my earlier post.
The cost of this 'once in a lifetime' trip with various components, are mounting steadily but everyone can now sleep at night.
New on this forum, so hello.
I have a question regarding travel insurance, as a result of speaking to someone at the party.
I was told that travel insurance requires insured person to have at least 3 days of prebooked accommodation?
If true, does it mean that stays with family or friends abroad are not covered?
What about just booking flights and then travelling round the country purchasing accommodation on ad hoc basis i.e. Not prebooked.
Thanks and regards,
Skitennis