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Travel insurance question

That took some time TT,but like everything you got there in the end..

Interesting response all the same….

Bedford
Once of us will soon no longer be covered under our ongoing Bank Travel Insurance.

The policy states that the policyholder will be covered if the holiday departure date is prior to the age limit. That is fine.

However, that has made me think. Does our current bank insurance cover us now for any holidays we have already booked for next year after the age limit is exceeded?

And what about annual travel insurance? Say it runs from 1 Jan to 31 December 2015 and we book a holiday for February 2016, are we covered at all for that holiday?

I have finally got round to getting an answer to my above question.

Me:-

__Hello

I am looking at an Annual Multi Trip Travel Insurance Policy (Premier).

Can you please advise whether cancellation cover covers holidays booked beyond the expiry date of the policy?

For example, if my policy runs from 1 January to 31 December 2015 and I book a cruise for February 2016 which I have to pay for in October 2015, would I be able to claim under my cancellation cover if I have to cancel the cruise before 31 December 2015 for an insurable reason?

I look forward to your reply.
__

Their reply:-

__Thank you for your email.

You are covered for trips booked outside the period of insurance, provided that the current policy includes the destinations booked for the next year’s holidays. Additionally, you would be required to renew the policy without a break in cover to ensure that you have continuous cover. For example if your policy runs from 01/01/2015 to 31/12/2015, your new annual multi-trip policy would need to commence from 01/01/2016 and should be a similar type of policy.

With regard to cruising, our policy provides general travel cover whilst on a cruise but this is not a cruise-specific policy and does not cover incidents that are unique to cruising. However, our policy will provide cover to transfer you from the ship to land in the event of a medical emergency.

Specialist cruise benefits may include: cover for missing a scheduled stop or port, confinement to your cabin, any pre-booked excursions that do not happen, changes to
the itinerary, missing a connection or any search and rescue operation.

If we can be of any further help, please do not hesitate to contact us.__

Last Edited by unknown at 29 Aug 21:54
Bexhill on Sea, East Sussex

We once had to pay an extra premium for G, with Diabetes 2, when going to Egypt.
This time, our cruise calls at Casablanca, so we weren’t surprised when he was again charged an extra premium…was it because of Morocco?
No….it was because of SPAIN!

Nr. Seascale, Cumbria

I think you’ll find that you will need to take out new insurance as I had to last year when my bank cover expired. According to my bank (HS**) the policy has to be valid at the time of taking the holiday, booking the holiday whilst it was still in force made no difference….

Bedford
If your cover runs until December 2015 I can’t see that you’d be covered for loss of stuff, health etc for a holiday in February 2016. And you’d have to look at the small print to see if you’re covered for cancellations.
Thanks JoCarroll

It is the cancellations part that worries me particularly when we have to pay for flights in full when booking.

Last Edited by unknown at 29 Aug 21:09
Bexhill on Sea, East Sussex

If your cover runs until December 2015 I can’t see that you’d be covered for loss of stuff, health etc for a holiday in February 2016. And you’d have to look at the small print to see if you’re covered for cancellations.

It’s an interesting question. This happened to me on my last year of employment. The policy was taken out in the February and I was 65 in the May. I was told that as the policy had been taken out within the relevant age period it wouldl continue for that year. However all insurance companies have their own rules. After you have contacted the insurance company could you let us all know the answer as it may be something that other members will be interested in.

London

So I would say you will not be covered but as all insurance policies tend to have their own specific clauses or condition you will need to check with the provider to confirm.
Might be worth looking at Citi Bank as their complimentary Travel Insurance has a higher age limit, but there are conditions to meet to keep the account free.

Last Edited by unknown at 29 Aug 20:17
Essex UK

Once of us will soon no longer be covered under our ongoing Bank Travel Insurance.

The policy states that the policyholder will be covered if the holiday departure date is prior to the age limit. That is fine.

However, that has made me think. Does our current bank insurance cover us now for any holidays we have already booked for next year after the age limit is exceeded?

And what about annual travel insurance? Say it runs from 1 Jan to 31 December 2015 and we book a holiday for February 2016, are we covered at all for that holiday?

Bexhill on Sea, East Sussex
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