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Travel Insurance - Non Europe & long trip

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  • Travel Insurance - Non Europe & long trip

    Who did you get your cover from?
    We are off to Sri Lanka for two months & am struggling to find a decent quote.
    So far the only one I could find is Direct Line but I think I've read on here they are a pain to deal with in terms of claims etc. Most once from comparison sites are for 31days & longer ones are ridiculously high premium.
    Also worried about what to cover & not!

    Any recommendations?

    Thank you
    TS x

    Thank you

  • #2
    Re: Travel Insurance - Non Europe & long trip

    Are you just searching online at the moment? You might be better off calling up insurers or looking at non-standard insurers who do cover for gap years and non-standard holiday cover. We had to get non-standard cover when we went to Australia a couple of years ago as we were away for 34 days, so just over the 31 days limit most insurers apply for normal cover but we just called up and made a modification to our annual travel insurance (Dogtag, which we use as it has decent winter sports cover, which at the time was important to us!) We've generally found that you get what you pay for when it comes to travel insurance, unfortunately. SIL spent 10 hours with a badly broken arm (requiring surgery following a skiing accident) whilst her cheapo insurer put her claim in a queue. They seemed to have no concept of the fact that she was being held in a ski resort doctor's office, in pain etc., because the insurer wouldn't authorise payment for the doctor or an ambulance to the hospital until they'd done an investigation

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    • #3
      Re: Travel Insurance - Non Europe & long trip

      http://www.columbusdirect.com/

      try these guys, I've used them in the past and they give very good quotes for older people - not that you fall into that category but my mum and another friend found them miles cheaper than anywhere else.

      Hope you have a fantastic trip

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      • #4
        Thank Bubba, I'll look at specialist covers.
        I called Direct line, who refused to email me the quote Most online ones I found were short covers.

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        • #5
          Re: Travel Insurance - Non Europe & long trip

          Try companies who offer backpacker insurance. You might also need to let your home insurance people know you'll be away that long.

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          • #6
            Violet, I'll try them too, thanks.
            DH is back sooner, kids & I are staying longer. House isn't empty as v have family staying. I might check w Home Ins people about personal possessions are covered over there & the excess.

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            • #7
              Re: Travel Insurance - Non Europe & long trip

              Have you tried Trailfinders? I've always used them, particularly for extended periods of travel.

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              • #8
                Re: Travel Insurance - Non Europe & long trip

                I was going to suggest backpacker companies.
                One thing it might be worth checking for cover is medical evacuation; not 100% sure but if Sri Lanka is on the rabies list (NHS fit for travel website is fab for country specific info), then even with rabies jabs you might need immediate treatment that is not available everywhere (i think Singapore is one the of the places it's available in SE Asia).

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                • #9
                  Re: Travel Insurance - Non Europe & long trip

                  Originally posted by TopStar View Post
                  I called Direct line, who refused to email me the quote Most online ones I found were short covers.
                  not sure if that was in response to my post, but it was Columbus Direct I suggested, not Direct Line

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                  • #10
                    Originally posted by Samba View Post
                    not sure if that was in response to my post, but it was Columbus Direct I suggested, not Direct Line
                    Cross posted with your original post, mine was a reply Bubba's post.
                    Thanks for the link, I'll try them too.

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                    • #11
                      Re: Travel Insurance - Non Europe & long trip

                      We had to get very specialist cover when going to get Baby S (as he wasn't travelling out with us) and we called about 4 or 5 companies and then found one that would insure me and him (and Mr S was on a different policy which was better for him).

                      We went with JBI for Baby S/me but Insure and Go are also pretty good and a bit more mainstream for longer trips. Mr S used to work in the industry and was impressed with both of them (we had claims with both and they paid promptly).

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                      • #12
                        Thanks Dr S, will call those two too.
                        DH has a heart condition and Direct Line said it falls under their 'instant refusal' category and won't cover him. Annoying!!
                        So we have decided get separate ones. Still many won't cover over 31d, I'll call all the suggested ones and get it sorted at once.

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                        • #13
                          Re: Travel Insurance - Non Europe & long trip

                          Mr S has diabetes and a lot of the companies won't cover that either, but Insure and Go insured him (as I say he went on a separate policy when I was on JBI with Baby S).

                          It is such a pain with a pre-existing condition I know.

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                          • #14
                            Re: Travel Insurance - Non Europe & long trip

                            I always use Direct Line and they were great both times that I had to claim. My bags almost always missed the connection at LHR when I was going to the Middle East so I have had to claim the cost of clothes because I had no baggage, a carseat for Thomas as his took 2 days to arrive and also medical costs twice for Thomas when we were out there.

                            Actually I also had the cost of a changed flight as T had bronchitis and I think that was claimed back too.

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                            • #15
                              Donna, that's encouraging. I'll have a look around & will consider them too then.

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