Travel Insurance

Clunegapyears

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Thought it useful to share my research. And you may be able to suggest an alternative.

Our criteria:
11 months single trip
Ages 54 and 72.
Really only after the medical part, so smallest cover on all options quoted.
James has prostate cancer and is on hormone therapy until next March, but no spread or other treatments pending.
Cover for EU countries, Turkey, Armenia, Georgia and Azerbaijan.

All Clear
maximum 180 days

Staysure
The only one that would provide cover. 550 days for me, but only 366 days for James due to his age.
£5m medical and repatriation
When pushed the quote dropped from £1307.82 to £1192.59

Post Office
max 90 days

Insure and Go
Wont offer single trip for over 70 and multi trip limit is 90 days.

Avanti
over 70 max is 90 days.

Caravan and Motorhome Club
Current van insurance is with them, so asked but they don't offer travel insurance

Good To GO
max 90 days

Saga
only a few weeks!

Ageas
small trips only

AIB
no long trips

So, I've spent a couple of hours on this and managed one quote!!! Will have to go with Staysure, unless anyone can suggest any other insurer for me to try?
 
Ouch, but........... say it quick and it’s only £3.56 a day.
If I was planning that trip I’d factor it in, have peace of mind and visit places I’d never been before.

Good luck,

Pat
 
It might be possible to pick the companies with the least onerous conditions upgrade charges
and overall premium charges, and get consecutive cover eg. 180 days + 90days + 90days
perhaps selecting different Insurance companies for each period.
 
Clunegapyears said:
Thought it useful to share my research. And you may be able to suggest an alternative.

Our criteria:
11 months single trip
Ages 54 and 72.
Really only after the medical part, so smallest cover on all options quoted.
James has prostate cancer and is on hormone therapy until next March, but no spread or other treatments pending.
Cover for EU countries, Turkey, Armenia, Georgia and Azerbaijan.

All Clear
maximum 180 days

Staysure
The only one that would provide cover. 550 days for me, but only 366 days for James due to his age.
£5m medical and repatriation
When pushed the quote dropped from £1307.82 to £1192.59

Post Office
max 90 days

Insure and Go
Wont offer single trip for over 70 and multi trip limit is 90 days.

Avanti
over 70 max is 90 days.

Caravan and Motorhome Club
Current van insurance is with them, so asked but they don't offer travel insurance

Good To GO
max 90 days

Saga
only a few weeks!

Ageas
small trips only

AIB
no long trips

So, I've spent a couple of hours on this and managed one quote!!! Will have to go with Staysure, unless anyone can suggest any other insurer for me to try?
Click to expand...

gosh ... i think i got such a good quote because of my good health. i guess the costs of repatriation is the major factor for an insurer. i most sincerely hope this is not necessary for you.... if its only costing £3 odd a day - then you could try half a bottle of wine instead of a whole one each day ? lol !!! Go for it and see all the places you want to... your insurers will sort out whatever needs sorting out.... enjoy yourselves....
 
The Staysure quote is OK

Remember the age of one of you and it is for 1 year
We need similar but only for 6 months usually and now

Our last 9 month quote was about £1200

I am 68 Nida is younger my only pre-condition is (minor)type 2 diabetes

We stick with AXA via our Lloyds bank account
I have investigated and all were no go for one reason or another (including price)

PS USA and Canada included
 
daygoboy said:
It might be possible to pick the companies with the least onerous conditions upgrade charges
and overall premium charges, and get consecutive cover eg. 180 days + 90days + 90days
perhaps selecting different Insurance companies for each period.
Click to expand...

I think that you would need to read Ts&Cs very carefully; a trip (period of cover) is almost certainly taken as commencing and ending in the UK, in which case this would only work if it was 3 separate trips, not one 11-month trip.
 
Yes

TJBi said:
I think that you would need to read Ts&Cs very carefully; a trip (period of cover) is almost certainly taken as commencing and ending in the UK, in which case this would only work if it was 3 separate trips, not one 11-month trip.
Click to expand...
When I have claimed AXA needed proof of dates of travel eg airline tickets.
Axa do allow 9 months...but it costs !
No knowledge of longer.
 
jagmanx said:
When I have claimed AXA needed proof of dates of travel eg airline tickets.
Axa do allow 9 months...but it costs !
No knowledge of longer.
Click to expand...

Precisely; that's why I was suggesting that 180+90+90 days with different insurers/policies is almost certainly a non-starter.
 
Thank you all.
As Phil said the insurance does need to start and end in the uk ... it was one of the questions I was asked. In theory, we (James more particularly) could fly home periodically, but that costs more and is hassle.
Really don’t fancy being in some of the countries we will visit without cover, so will have to go for it! At least the wine will be cheap when we are away!!!
 
delicagirl said:
gosh ... i think i got such a good quote because of my good health. i guess the costs of repatriation is the major factor for an insurer. i most sincerely hope this is not necessary for you.... if its only costing £3 odd a day - then you could try half a bottle of wine instead of a whole one each day ? lol !!! Go for it and see all the places you want to... your insurers will sort out whatever needs sorting out.... enjoy yourselves....
Click to expand...

Where did you get your quote and how much? I’m in good health but approaching 70 so my free insurance with Nationwide is now asking for a £65 supplement. This is on top of the £90 I pay for 90 day trips. This makes it £155 - wondering how this compares with other insurers.
 
carol said:
Where did you get your quote and how much? I’m in good health but approaching 70 so my free insurance with Nationwide is now asking for a £65 supplement. This is on top of the £90 I pay for 90 day trips. This makes it £155 - wondering how this compares with other insurers.
Click to expand...


staysure.....
 
TJBi said:
I think that you would need to read Ts&Cs very carefully; a trip (period of cover) is almost certainly taken as commencing and ending in the UK, in which case this would only work if it was 3 separate trips, not one 11-month trip.
Click to expand...

I'm aware most standard policies are just that, & normally 31 days everything else is an upgrade, if
even available. I was thinking more the specialist coverers such as True Traveller and Globelink probably
others. They offer versions of Medical Insurance cover when a trip is already underway. I've no doubt
they'll have plenty of onerous conditions to comply with, especially regarding pre-existing health
conditions. Magnifying glass needed for the small print!!
 
daygoboy said:
I'm aware most standard policies are just that, & normally 31 days everything else is an upgrade, if
even available. I was thinking more the specialist coverers such as True Traveller and Globelink probably
others. They offer versions of Medical Insurance cover when a trip is already underway. I've no doubt
they'll have plenty of onerous conditions to comply with, especially regarding pre-existing health
conditions. Magnifying glass needed for the small print!!
Click to expand...


Thried globe ,ink and a couple of other back makers policies ... J to old again!!!!
 
Although the Caravan club don't insure for the length of time you want they certainly offer travel insurance for single and multi trip insurance so it's worth others looking at them
 
daygoboy said:
It might be possible to pick the companies with the least onerous conditions upgrade charges and overall premium charges, and get consecutive cover eg. 180 days + 90days + 90days
.
Click to expand...

With our insurance what you suggest wouldn't work as each period has to start in the UK
 
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