World wide holiday insurance?

[The Gauge]

Any good providers worth considering for annual family world wide holiday insurance over the usual search engine results from the likes of gocompare etc? I’ll need USA cover
Cheers.

[Rob_125]

I have nationwide flex plus account, £13/month for holiday insurance (car breakdown cover and phone insurance). Seems pretty comprehensive, pretty sure it covers immediate family.

[nickfrog]

I use Aviva (although free through the HSBC Premier thing) as I like their medical emergency provider (CEGA). For me that's the most important part of Travel Insurance. Cheap policies come with cheap emergency lines.

Their claim handling is superb too. Usually immediate payment up to a certain threshold.

[Armitage.Shanks]

Rob_125 said:

I have nationwide flex plus account, £13/month for holiday insurance (car breakdown cover and phone insurance). Seems pretty comprehensive, pretty sure it covers immediate family.

This seems the best value especially as it also gives you EU car recovery (can't see any limitations on age of vehicle) AND from what I can see there's no minimum deposits or direct debits. When some of my other policies are due to finish I'm going to sign up and just bung £500 in it to get what it offers. Don't want to switch banks.

[gotoPzero]

I used the post office, until I had to claim and it took 9 months to get paid out after saying I would take them to small claims they finally paid. (theft claim after car break in, not huge under £1000).

So I would avoid them.

We now use Stay Sure on a global 12 month policy.

183 days total cover, 50 days per trip.

Couple of minor medical conditions on the policy, plus includes 21 days winter sports (not that we plan to do any!) and cruise cover. Unlimited medical and repatriation and gadget cover.

Total is £240 ish total.

Not claimed so no idea if they are any good but they do get 5 star defqto.

[The Gauge]

nickfrog said:

I use Aviva (although free through the HSBC Premier thing) as I like their medical emergency provider (CEGA). For me that's the most important part of Travel Insurance. Cheap policies come with cheap emergency lines.

Their claim handling is superb too. Usually immediate payment up to a certain threshold.

Yes, adequate medical cover for USA and prompt claims line would be the two important factors for me.

[Ridealong]

I've never made a claim before, but I use Travel Supermarket to compare prices and see DEFAQTO ratings.

[ian in lancs]

gotoPzero said:

I used the post office, until I had to claim and it took 9 months to get paid out after saying I would take them to small claims they finally paid. (theft claim after car break in, not huge under £1000).

So I would avoid them.

We now use Stay Sure on a global 12 month policy.

183 days total cover, 50 days per trip.

Couple of minor medical conditions on the policy, plus includes 21 days winter sports (not that we plan to do any!) and cruise cover. Unlimited medical and repatriation and gadget cover.

Total is £240 ish total.

Not claimed so no idea if they are any good but they do get 5 star defqto.

Staysure refused to pay out when Air Lingus cancelled a flight to NY. Fortunately Air Lingus gave a full refund and 600euro pp compo leaving us exposed on £2k worth of hotel and attractions tickets. Staysure rejected the claim and sent us to the service provider?! They still haven’t replied to my email challenging that. Fortunately the hotel refunded leaving us out of pocket for attractions but Air Lingus compo covered them. Lesson learnt! Air Lingus were great, Staysure crap! In the end we cancelled Staysure and have gone with M&S / Aviva.

[gotoPzero]

Oh good!

TBH I suspect its all a scam unless you need medical they are going to argue the toss.