Simple Travel Insurance

[KARL]

I am interested in travel insurance with a difference, namely, essentially medical and repatriation only and on a multi trip basis. I realise this may be called medical insurance rather than travel insurance. In any case, I wonder if anyone can suggest an insurer for this - I have in mind taking on the other risks myself of baggage, bookings, etc., etc.

[jno]

you could try this (I haven't so can't comment on it)

http://www.easier.com/94871-ms-money-build-your-own-travel-insurance.html

[buildersmate]

Yeah, but most of the financial risk associated with providing these policies is surely going to be in the medical and repatriation bit anyway? 'Loss of a camera', by comparison, ends up being chicken-feed.
So, given the fixed administration costs in setting-up and managing a policy, I don't see how this is going to save much, if at all.

[KARL]

Thanks, jno. Having phoned them it seems to me that the policy will remain recognisably a travel one but the flexibility consists of a number of add-ons to beef up each of the three main basic blocks of the policy. In fact, my main reservation before even speaking to anyone at M&S was the fact, very visible on the site, that AXA are the underwriters. In the past I had a policy with Guardian Royal Exchange, maintained over decades including some time after AXA took GRE over. AXA gradually whittled at the cover and the policy was becoming very different. Then I had a claim and the process they put me through was humiliating to the point that I vowed never to have any further dealings with them, even though they eventually (grudgingly ?) paid the claim in full.

[237SJ]

Don`t forget you need personal liability insurance as well. If you were in the US (for example) and you accidently injure someone, they`ll sue you to high hell. I`m with Insure and Go (a higher level one) but their Bronze service is more basic - for example there is zero baggage cover but you have the important elements. It`s only about £45 which isn`t worth quibbling about really.