Holiday insurance

[Irecan]

Hi,

Does anyone know if there is a travel insurance policy that covers flight cancellations plus medical insurance?

We have an air bnb booked this summer in Portugal for one week but as there’s a chance I might be in early stages of pregnancy at that time, I want insurance that covers us medically and if we need to cancel the flight for any reason. I am about to book an Air Portugal flight (Google flights brought me to Go Gate). They have two different policies I can take out, one for medical insurance which is £25 per person and one which doesn’t entitle us us to a refund if we cancel but gives us 90% return in a voucher, this would be £10 per per person.

I would prefer some kind of insurance that covers us for both? Does that exist anywhere?

And by we, I mean my husband and I do something to cover both of us would be ideal.

Surly most insurance covers this. Assuming you have an acceptable reason for cancelling that isn’t known about now. Therefore I’m assuming you are not pregnant now. We have used M&S travel insurance. We personally have AXA annual insurance. Look at the small print though but insurance typically covers you being unable to go but not for ANY reason. It has to be a covered reason. Illness for example. Not a whim.

And just to echo what the pp has just said - there has to be a reason for cancelling. You can’t just cancel because you don’t want to go any more. I’ve been caught out with that before!

Thanks, I will check these out. Do Axa and M&S charge you monthly for insurance or is one off just for this trip possible? The main thing is medical insurance, we are starting IVF at some point in the spring so incase we were told by doctors we shouldn’t go etc.

Either, annual policy or single trip. Not all will cover pregnancy related issues or preexisting conditions though.

Read the small print on the policies, the more expensive the policy the more that is covered. I usually go for "gold" policy that has no excess to pay and unlimited everything but I pay a lot more than DP's basic policy that comes with his bank account.

Try compare the market and then use the filters to narrow the search down. If you don't want to go on holiday due to pregnancy you would need a doctors letter confirming it's not safe to go, you won't be able to claim because you are pregnant and simply don't want to go.

Staysure Insurance is one of the biggest for holiday insurance, but I would ring them to ask your specific question regarding pregnancy as only then will you get correct answer. It shouldn’t be too expensive as a one off payment. You could try doing a dummy quote online with fake details putting in that you are pregnant and see what it offers, or you could get a standard travel policy now and add pregnancy to the policy at an extra cost, if you are successful in getting pregnant.

My insurance covers health, cancellation due to health, flights being cancelled, end supplier failure etc but you need medical reason to get them to pay out that they accept, it it cannot be anticipated at the time you booked the trip and took out the insurance.

Mine is though admiral

I use Allianz. Check the fine print wrt medical policies. And book direct with the airline, it’s so much easier when something goes wrong.

@AkoraEdelherb i didn’t realise this, I think I booked with Go Gate before and got a full refund- that was for pandemic cancellations though!

Our AXA annual policy is with the bank account and it’s far from basic. The bank account isn’t either! You get what you pay for.

Medical insurance is a pretty standard part of travel insurance. If you book 'single trip insurance' to cover your travel dates rather than having an annual policy, it will typically cover anything from right now which may prevent you going i.e. if you break your leg before you go, even though it's before the date you travel, it would be covered.

What typically aren't covered, or need you to have a chat with them are any pre-existing conditions, so you'd need to double check how IVF/pregnancy might be regarded.

(Sorry I wrote this hours ago and have just found it unposted. Apologies if I'm repeating what's been said in the interim)

Pretty sure pregnancy is seen as a choice and is usually excluded.