Travel Insurance

[pusskin]

Where would you go for travel insurance?
have been away many times but never had any yet.
The older you are i realise you are more at risk of being ill while having a 4 week holiday in Aussie. Cheers Abers x

[237SJ]

I`ve got an annual policy from Insure and Go. I changed from my old one because the maximum payout for cancellation or curtailment is higher.

[pusskin]

237sj, many thanks for reply. Will take it on board when making further inquiries x

[237SJ]

Yes, you need to read the small print. I had been with the same company for years and it was only when I was looking around for somewhere else that I saw it only covered me for £1000 cancellation/curtailment which is a piddling amount. Insure and Go is £3000.

[jno]

have a look through here

http://www.moneysavingexpert.com/insurance/cheap-travel-insurance

Premiums can get higher when you're older so check out exactly what you think you'll need.

[spudqueen]

The Post Office has won the award for best travel insurance provider for the past 5 years.

[yogi-bear]

Hi pusskin,

I get ours through our Home/Buildings/Contents and Car Insurance company ....... an annual worldwide one so you can travel multiple times in any one year, as I do with my work.

[pusskin]

Thank you Abers for replies.
we are staying with relatives, so would that make any difference when we get to destination? Silly question maybe x

[yogi-bear]

Nope not really pusskin....just helps if at relatives, as if delayed for any reason there due to maybe illness or weather etc, you dont have to sort out accommadation as a result....just flights back.....also you'll be covered for luggage, delays, cancellations etc and hopefully, medical costs....ask the company you are with to clarify exactly WHAT you are covered for and what the excesses are......

Enjoy OZ, pusskin x

[pusskin]

Thanks yogi, will enjoy hol hopefully. lovely weather etc.
Will decide overnight what to do next. Thanks Abers x

[pusskin]

Cant thank you enough for all replies! Your a lovely bunch of Abers x

[Zeuhl]

puss

not sure what age has to do with it

i think quite a few young people sustain injuries or catch nasty bugs abroad

so they also need to think about how they will access treatment or even repatriation

[jno]

depends on the age, Zeuhl, over 65 or so premiums start to ascend rapidly. (I don't know how old pusskin is, of course.)

[boxtops]

pusskin, I get mine free through my bank. In the paper the other day they reported that a lot of people don't even realise they have these benefits, and some never use them. Check with your bank!

[spudqueen]

boxtops - I don't trust the ones you get with your bank accounts anymore. We went to Florida with my friend and her family and her youngest son got an ear infection. It involved a trip to a Doctor in the local hospital, but they would not accept Dads insurance when we got there, even though he had rung his bank before his got there. He had to pay with his credit card (about $600), then another $100 for the prescription at the drug store. And then when he got home he got another bill of £400 from the actual Doctor. Ok, so his bank reimbursed him, but if he hadn't had that much spare on a credit card he would have been in lumber.
Mr Spudqueen banks at the same bank, and ever since that trip (5 years ago) I have always taken out my own travel insurance (Post Office).

[pusskin]

Sorry for delay getting back to you.
I think I'll go with bank or post office for insurance? Will decide.
I am a retired cocoa slurper (lol) Wont be doing any sports, only swimming.
Cheers abers x

[schreiner88]

Personally I use http://incominghealthinsurance.com/

I'm very pleased with the prices. They're really affordable for longer trips where you have to pay different prices for different number of days. With them it's 1 Euro/day so not that expensive.

[pusskin]

Cheers schreiner88, will look at the link you sent me . x
I appreciate all replies!

[Afon]

All insurance companies are different. My experience with a "brand name" insurance company was poor.

The main point is not to buy cheap travel insurance that doesn't actually cover anything.

I would recommend you also to check http://www.globelink.co.uk before you make a decision.

[bednobs]

i would be very wary of taking up insurance recommended by someone who only joined to answer this question!