Recommend travel insurance please

Recommend travel insurance please

Author
Discussion

philv

Original Poster:

3,912 posts

213 months

Monday 25th July 2016
quotequote all
Hi,

any recommendations or travel insurance?

Including North America.
Preferably Multi trip.

I have been looking through the go compare sites etc, but the range of prices is wide.

Just wonderign if anyone can recommend one that has very good cover at a good price.

Thank you.

dmitsi

3,583 posts

219 months

Monday 25th July 2016
quotequote all
If you are over 50 then saga is one of the best out there. The post office, lv and Allianz are also very good.

craig1912

3,273 posts

111 months

Monday 25th July 2016
quotequote all
also Aviva and Axa

philv

Original Poster:

3,912 posts

213 months

Monday 25th July 2016
quotequote all
Thanks.

I actually found a good american express (through go compare).
£67 annual family.
Only find it through gocompare as far as i can see.

The Leaper

4,937 posts

205 months

Monday 25th July 2016
quotequote all
Don't be a mug and go solely on price, then complain later about the lack of cover. Insurers simply love people who do this.

Ideally, start by working out what cover you need, what you would also like but don't actually need, and the amount for these, then you can seek a policy that meets your NEEDS not your wallet necessarily. That way you get what you want at an affordable price.

I've used Staysure for the past 6-7 years for single trips for my wife and I. We're both elderly and have pre existing conditions, and Staysure seem to provide the cover we NEED at an acceptable price.

I also agree with the prior poster that Saga are pretty good but they do have a minimum age requirement.

R.

philv

Original Poster:

3,912 posts

213 months

Monday 25th July 2016
quotequote all
I did check the cover.
Amex look good.

bad company

18,484 posts

265 months

Monday 25th July 2016
quotequote all
Like any insurance policy you don't know it its any good until you try to make a claim.

Mrs BC and took annual cover from an advert in the holiday section of the weekend newspapers. It was very competitive and seemed to cover all we needed. Then when we were on a diving holiday in the Cayman Islands Mrs BC's mother died unexpectedly so we had to return pronto. The insurance company rejected the claim stating existing condition which it wasn't. They also said that if we wanted to appeal their decision we had to do so in writing and give them 6 weeks to reply. I got a solicitors letter sent to them and they folded straight away BUT you really don't need that hassle at a time of stress.

The best advice I can give is go for a trusted name and not necessarily the cheapest.

LuS1fer

41,086 posts

244 months

Monday 25th July 2016
quotequote all
I tend to go for one that offers a medium range package and a low excess.
If you look at most policies, they exclude cash unless in a locked safe and most charge more for electrical items ie anything worth claiming for and have a high excess attached.
So i tend to look for a policy that mainly covers the medical etc and try not to lose or break anything.
the other thing is that I have found that single trip insurance is cheaper than a multi, even when you go 3-4 times a year.
I just used insurefor.com fora Spanish trip.

audidoody

8,595 posts

255 months

Monday 25th July 2016
quotequote all
I seem to recall Amex only works if you pay for your holiday with your Amex card.

IMHO you need travel insurance to cover you for cancellation, curtailment, a BIG medical emergency and repatriation, third-party liability and legal fees

The rest is just frills.

bad company

18,484 posts

265 months

Monday 25th July 2016
quotequote all
audidoody said:
I seem to recall Amex only works if you pay for your holiday with your Amex card.

IMHO you need travel insurance to cover you for cancellation, curtailment, a BIG medical emergency and repatriation, third-party liability and legal fees

The rest is just frills.
Yes you do have to pay for the holiday with Amex to benefit from the travel insurance UNLESS the travel company don't take it. In that case you can pay with another card and still have insurance cover.

recordman

386 posts

124 months

Monday 25th July 2016
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I rely on the insurance provided by Nationwide BS's Flexplus account. I made a claim a couple of years ago and it was paid promptly without any issues.

pherlopolus

2,087 posts

157 months

Monday 25th July 2016
quotequote all
Only ever use post-office world Multitrip. On the basis of having to make claims before and it being painless.

rustyuk

4,568 posts

210 months

Monday 25th July 2016
quotequote all
I've got a pretty simple claim going through with Virgin at the moment and it's bee a nightmare!! Cover wasn't cheap either!