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Original poster

Travel Insurance

35 replies

endofthelinefinally · 22/02/2019 20:08

Always, always buy your travel insurance before you book your holiday.

Always, always tell them of any medical conditions, even if it costs you a bit more.

If you don't, you might as well not bother buying insurance at all.

OP posts:

JuniperBeer · 22/02/2019 20:11

Er. Yes?

username80001 · 22/02/2019 20:19

Ok ...
Are we just stating obvious advice?
Mine is look both ways before crossing the road .

Original poster

endofthelinefinally · 22/02/2019 20:57

No. I just didn't want to post this on another thread where someone has been bereaved and is facing a lot of costs due to not having insurance.
Feel free to ignore.
Unfortunately this advice is not obvious to a surprisingly large number of people.
Anyway. Some people have posted on the other thread and I am sure the poor woman who has lost her husband is feeling much better for having been suitably advised.

OP posts:

Interested in this thread?

Then you might like threads about this subject:

Holidays

LovingLola · 22/02/2019 20:59

I feel so sorry for that poster.

We have an annual multi-trip policy. It rolls over every year.

ineedaholidaynow · 22/02/2019 20:59

From many threads on here it is quite obvious many people don't buy travel insurance at the same time, so for some people it is not staying the obvious

username80001 · 22/02/2019 21:02

Ok may have been a idea to post the reason why . Thanks for clearing that up .

Original poster

endofthelinefinally · 22/02/2019 21:04

Yes - maybe I should have put more detail.
Thread about a thread and all that.
Also multitasking.

OP posts:

JuniperBeer · 23/02/2019 20:04

It’s in booking conditions, there have been adverts on telly, there are a fuck ton of stories, almost every week in the papers and news and on Facebook/ social media about people who didn’t take insurance out. There’s even go fund me’s launched to fundraise to repatriate people who didn’t get insurance and had an accident.

Unfortunately the type of person who doesn’t buy insurance, is unlikely to change their mind just by being told to buy it. It’ll take for them to experience something for them to buy it in the future.

WhatTheNightBrings · 23/02/2019 20:06

I don't usually buy the insurance until just before we go. What are the reasons for buying at the time of booking? Is it just for cancellation cover?

ineedaholidaynow · 23/02/2019 20:14

There was a thread about one of the party going on holiday dying unexpectedly before the holiday. They didn't have insurance so their partner could not get their money back, as obviously didn't want to go anymore.

If the cost of the holiday is like spare change to you, then I suppose you don't need to have insurance before you go, but that is probably not the case for most people booking a holiday.

Original poster

endofthelinefinally · 23/02/2019 22:48

If you don't buy insurance at the time of booking, you are not covered if illness or sme other life event ptevents you from going.

OP posts:

immalittleteapot · 23/02/2019 22:56

I work in travel . It's ridiculous the amount of people who do not buy travel insurance.

' my kids has chicken pox and we go on holiday in 2 days . Can you refund us as we cannot go'

Errr no ....

WhatTheNightBrings · 23/02/2019 23:06

But it's not always possible to buy insurance at the time of booking. Pre-existing conditions aren't covered on the insurance offered by my travel agent, so we have to buy separately.

Kez200 · 23/02/2019 23:10

I have insurance on my bank account. I still have to declare new issues before I book.

Original poster

endofthelinefinally · 24/02/2019 07:36

It is really, really easy to buy travel insurance.
There are lots of very reasonably priced policies that can be bought on line, the majority of bank accounts offer basic travel insurance.
IMO if you are planning to book an expensive holiday it makes sense to do your homework on the insurance first.
I do think that holiday companies should remind people at booking too.
When my DC was going travelling they were blase about the insurance but after much nagging we found a policy for about £12.
One of the group had an accident and broke his leg. Luckily he had a nagging mum as well and was able to get urgent treatment and a flight home for surgery.
Holiday companies need to put information in all their advertising.

OP posts:

WhatTheNightBrings · 24/02/2019 07:41

Whatever.

donajimena · 24/02/2019 07:48

Its good advice. I always used to buy just before I went.

Danglingmod · 24/02/2019 07:53

Ignore the moaners. It's good advice.

A relative of mine booked a 10k holiday last year and only bought the travel insurance just before they went. Bewildering to me (and, no, it wasn't pin money to them).

Also, life insurance. Take it out when you're young and healthy. Take it out for a long period and a large amount. It's so, so cheap if you're young and healthy. Cheaper than car or home insurance. Cheaper than a mobile phone or gym membership. Cheaper than one coffee out a week.

Lungelady · 24/02/2019 07:55

You are an idiot if you don't.

Parker231 · 24/02/2019 07:59

Will become more of an issue shortly if we have a hard Brexit and the benefits of the E111 are no longer available.

WhatTheNightBrings · 24/02/2019 08:00

If you are referring to me as a moaner, my frustration is that the OP has started a thread about an important subject, yet is talking at me rather than actually reading and addressing my question.

I DO buy travel insurance, so being talked at about why I should buy travel insurance is pointless to me.

Original poster

endofthelinefinally · 24/02/2019 08:06

I wasn't talking AT anyone.
Just pointing out that it is really easy to buy insurance and giving some examples.

OP posts:

DippyAvocado · 24/02/2019 08:12

Also, if you buy a long time before you travel, don't forget to update the insurance provider if anyone in your party has any new medical issues or starts taking any medication, even just a course of antibiotics. Depending on the condition/medication they might just make a note and not charge any more but the provider can check medical records and the policy can be voided for not declaring things, even if they seem unrelated to the reason for claiming.

dimsum321 · 24/02/2019 08:12

Totally agree. This year we've taken out gold plated insurance that covers natural disasters, terrorism, strikes, etc etc etc and declared every medical condition we've ever had. That's because we're spending £12000+ and going to a fairly volatile destination with our 2 DCs. If it was just DH and I we'd probably have a much more basic policy.

Original poster

endofthelinefinally · 24/02/2019 08:13

WhatTheNightBrings

The only question you asked I think was regarding cancellation cover.
I answered that question by explaining that it is to cover costs if illness or life events prevent you from going on your holiday.

Sorry if you think that was talking AT you and not addressing your question.

I know 3 people who have had very stressful, expensive experiences due to not having travel insurance. Maybe this thread might save a few people from similar.

OP posts:

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