V-Flyer

Fellow v flyers

Looking for a bit of advice/assistance please.

I am wondering who you all use for your travel insurance? I am looking for an annual policy for worldwide travel.

I have previously used Tokio Marine travel insurance for the last few years, who have been excellent. I still have to get a quote from them, but would be interested to hear some of your suggestions.

Thanks in advance. Your thoughts would be greatly appreciated

Dan

I get my annual policy through A-Plan Insurance

I get travel insurance via work, but Mrs CHUMBAS' is through insure and go, prices we found are cheaper than many others for her, and we've only claimed once and they sorted it no fuss and within a few days.

Also of note we've just added the grandkids to her policy and no extra charge

There is a thread here from last year on broadly the same topic.

Premium credit cards usually have good trip insurance built in. I know the Chase Sapphire Preferred does, and it covers me up to $10k/trip, and even covers hotel/meals (up to $500 per ticket) if a flight is delayed more than 12 hours. It also provides free primary car rental insurance (most cards only offer secondary insurance).

Remember if you are travelling in Europe you still need proper insurance.

The European Health Insurance Card (EHIC) will only cover you as far as what that nations health system covers their nationals which may include charges to visit a GP, full costs of medications and for X-rays etc

Some insurance companies will expect you to have one and will adjust claims (downwards) if you don't.

I know my US insurance covers emergency care abroad. Not sure how it works for NHS when traveling to the USA.

zenithar wrote:I know my US insurance covers emergency care abroad. Not sure how it works for NHS when traveling to the USA.

Your insurance needs to cover you in the USA.

There are no reciprocal arrangements between the US and UK. The NHS won't step in and pay if you fall ill in the US and you need treatment.

Nor will the NHS pick up the costs of repatriating you back to the UK - again that's down to your insurance or your own pocket.

In Europe the EHIC doesn't cover repatriation either. It's a common misconcption that it does.

tontybear wrote:

zenithar wrote:I know my US insurance covers emergency care abroad. Not sure how it works for NHS when traveling to the USA.

Your insurance needs to cover you in the USA.

There are no reciprocal arrangements between the US and UK. The NHS won't step in and pay if you fall ill in the US and you need treatment.

Nor will the NHS pick up the costs of repatriating you back to the UK - again that's down to your insurance or your own pocket.

In Europe the EHIC doesn't cover repatriation either. It's a common misconcption that it does.

I'm a US-resident. My health insurance has a provision for travel abroad. Emergency care is covered. I have to pay out of pocket while in the country, but can submit reimbursement to my company. I am covered in the US, and while i travel.

We get our insurance from Columbus Direct. Got worldwide joint cover for us both at competitive price. Only had to claim once, and had no problems.

robinnelson wrote:We get our insurance from Columbus Direct. Got worldwide joint cover for us both at competitive price. Only had to claim once, and had no problems.

Just out of curiosity - are you a US-resident, with US insurance? If so, does your insurance not cover anything abroad? Seems redundant to get coverage if you're already covered.

zenithar wrote:

robinnelson wrote:We get our insurance from Columbus Direct. Got worldwide joint cover for us both at competitive price. Only had to claim once, and had no problems.

Just out of curiosity - are you a US-resident, with US insurance? If so, does your insurance not cover anything abroad? Seems redundant to get coverage if you're already covered.

Most people on v-flyer are based in the UK.

Because we have the NHS we don't need health insurance (though some people do have private health insurance) except for when we leave the country and especially when visiting the USA.

tontybear wrote:

zenithar wrote:

robinnelson wrote:We get our insurance from Columbus Direct. Got worldwide joint cover for us both at competitive price. Only had to claim once, and had no problems.

Just out of curiosity - are you a US-resident, with US insurance? If so, does your insurance not cover anything abroad? Seems redundant to get coverage if you're already covered.

Most people on v-flyer are based in the UK.

Because we have the NHS we don't need health insurance (though some people do have private health insurance) except for when we leave the country and especially when visiting the USA.

Makes sense. I'm a UK/US national who's familiar with the NHS - but know that medical emergencies in the USA can be, ahem, expensive...

I'm with Insure and Go on an annual policy. Last year it was about £90 for me (including Winter sports, excess waiver & volcanic disruption - nearly got caught out there when the Iceland volcano erupted... we did get to Florida, just).

This year the renewal from Insure and Go came in at a shade over £72 thanks to the no-claim discount, for the same cover. I did not even think twice & renewed.

I've never had to claim on any travel / general insurance (just car prangs for me!) so cannot comment on what Insure and Go are like when it comes to claims.

pjh wrote:There is a thread here from last year on broadly the same topic.

Thank pjh - I had feared (probably rightly) that my blurb on that thread had sent a few fellow v-flyers to sleep ][|) ii)

Dan - after lengthy research, debate and consideration, we went with the Nationwide Flex Plus account. We opened it as a joint account so both of us can access the benefits For £10 a month we are getting worldwide travel insurance (multi-trip -and from what I recall the terms and conditions were better than a lot of the policies out there), worldwide mobile phone insurance, an extra year of warranty on home appliances and European breakdown cover for the car to name a few benefits. Since then we have also remortgaged onto an exclusive (they call it Flexclusive) deal, and then when their rate dropped further we switched onto that again. So it is treating us very well so far all for £120 a year. Might be worth checking out? y)

Thank you all for your assistance and contributions!

Much appreciated.

Dan

I went with Sainsburys as Travel Disruption Cover is now included with the Standard option.

I always tend to use Club Direct via the link on Quidco for the 15% cashback.