Travel Insurance.... Watch

sebbie
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#1
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#1
I'm going skiing to Canada for 2 weeks over Christmas and New Year... How much should travel insurance for just me cost? My mum seems to think £100 but that seems very expensive to me.... Anyone got any idea of the cost or a good reliable company that I could use?

Thanks
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random123
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Go with boots, it will cost you £66 according to their website. Or you could try tesco who will probably be even cheaper but you'd need to phone them.

It will always be quite expensive because USA & Canada always require a higher premium due to expensive healthcare, plus you need winter sports cover too.
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Segat1
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Be sure to read the fine print. Most companies wont cover loss of things like sunglasses watches etc. I got mine nicked and it was a big old mess.
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Zebrastripes
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Does any travel insurance cover cancellation, when say you have to cancel a holiday in case exams change or you just can't make that date in the end?
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MrColin
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(Original post by ladydeborah)
Does any travel insurance cover cancellation, when say you have to cancel a holiday in case exams change or you just can't make that date in the end?
well presuming you can read this all you have to do is either read the information on the site or if you cant manage that ring them?

I mean come on!
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digitalparadox
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Insure&go seem pretty good. Haven't claimed anything from them though, but they are competitively priced. If you don't care about prices, just go to your bank such as HSBC
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matchu
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I got insurance from the post office for like a tenner and that covered cancellations..
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lukeyboy
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#8
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my gap year travel insurance is mad money, and ive been everywhere for quotes. it depends on policy, most cover cancellation up to £X but there is usually a hefty excess (usually £hundreds) for cancellation without extenuating circumstances. eg id rather sit and play gears of war or something.
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*Emily*
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#9
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boots insurance covers cancellation due to circumstances you cant avoid or something, if you ring them then they may be able to cover you for if that happens, i think they're quite reasonable (i havent used them tho!)
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Zebrastripes
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When did i post this thread. Don't remember it. :confused: Ummm... thanks anyway. :p:
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Talya
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#11
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#11
Is the AA good? I'm with them for my trip to New York, will they be OK for Egypt too?

EDIT: Hmm, looked at some reviews and not good.

InsureAndGo gave me a good price though. Might use them!
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(Original post by ladydeborah)
Does any travel insurance cover cancellation, when say you have to cancel a holiday in case exams change or you just can't make that date in the end?
For my gap year I worked for an air ambulance company which works on behalf of hundreds of major insurance companies, and the rules for cancellation are the same for virtually every policy out there.

I can tell you for certain that cancelling because of exams will not be covered by anyone, without exception. The only time that cancellation is ever covered is when it is related to death (!), illness, compulsory quarantine, being called up for jury service / as a witness, redundancy and so on.

And it is really important to make sure that any insurance you buy has very good medical cover. It may mean that you have to pay a little more, but believe me, I had to deal with a lot of people (including hundreds of students) who were taken seriously ill during their travels, who weren't covered for their medical bills. Many of them were left with bills for thousands and thousands of pounds, and it was horrible having to break that to them.

I'd recommend STA Travel Insurance, as they specialise in insurance for students, backpackers and people on gap years. The prices are good as well, and if anything bad did happen to you and you needed help getting home, you'd be looked after by the company I worked for... who are absolutely excellent. Marks and Spencer is also very good.

If there's anything you're unsure of, ask me because I can't stress how important it is to make sure you get this sorted out.
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(Original post by Segat1)
Be sure to read the fine print. Most companies wont cover loss of things like sunglasses watches etc. I got mine nicked and it was a big old mess.
That's not true at all. In fact all of them do, but you need to have evidence to back it up (like a police report, proof of purchase etc.)
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Zebrastripes
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(Original post by jeff's_dead)
For my gap year I worked for an air ambulance company which works on behalf of hundreds of major insurance companies, and the rules for cancellation are the same for virtually every policy out there.

I can tell you for certain that cancelling because of exams will not be covered by anyone, without exception. The only time that cancellation is ever covered is when it is related to death (!), illness, compulsory quarantine, being called up for jury service / as a witness, redundancy and so on.

And it is really important to make sure that any insurance you buy has very good medical cover. It may mean that you have to pay a little more, but believe me, I had to deal with a lot of people (including hundreds of students) who were taken seriously ill during their travels, who weren't covered for their medical bills. Many of them were left with bills for thousands and thousands of pounds, and it was horrible having to break that to them.

I'd recommend STA Travel Insurance, as they specialise in insurance for students, backpackers and people on gap years. The prices are good as well, and if anything bad did happen to you and you needed help getting home, you'd be looked after by the company I worked for... who are absolutely excellent. Marks and Spencer is also very good.

If there's anything you're unsure of, ask me because I can't stress how important it is to make sure you get this sorted out.
Thanks. But as i said earlier, this is a VERY old thread.
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(Original post by ladydeborah)
Thanks. But as i said earlier, this is a VERY old thread.
Yeah I know

I just thought it might be useful for people to know, now that it's summer and everyone's going on holiday.
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Angel Interceptor
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(Original post by digitalparadox)
Insure&go seem pretty good. Haven't claimed anything from them though, but they are competitively priced.
Seconded - that's who me and my brother use when travelling, and most of the people who I know that have frequent travellers (especially backpackers) use it now as well, and they said that they've had very good service when they've needed to make an insurance claim from them, plus their prices are very good.
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digitalparadox
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#17
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I suppose you just have to remember to keep all the receipts for things that you buy for your trip - it makes any insurance claim that much easier for you and the insurance company to sort things out.
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Segat1
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#18
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(Original post by jeff's_dead)
That's not true at all. In fact all of them do, but you need to have evidence to back it up (like a police report, proof of purchase etc.)
Cos I will still have the receipt from when I bought my sunglasses six months ago..... Police reports do nothing at all.
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Talya
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#19
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#19
I just bought a week's cover for Egypt from SwiftCover.com, £19 for 2 of us! The AA wanted to charge me £25... EACH
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