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We’re planning a bit of a family trip.
Normally we’d just book accommodation in the UK, jump in the car and go. This time we’ve got flights to Rome, accommodation in Rome, train to Naples, accommodation in Sorrento and flights back from Naples. All booked separately.
How would more adventurous travellers than us insure this?
We've got one of those premium bank accounts that includes travel insurance, (plus other stuff like breakdown and a weekly free Greggs sausage roll). But if I didn't I'd just tap up the Meerkats.
Sorrento is a great choice, definitely a place I'd like to go again.
Just get Europe-wide cover from a reputable insurer. Also, look at the cost of annual insurance versus shorter -term as it is often not much more and then you are covered for any overnight trip you make anywhere (UK included).
Just redone our travel insurance with Admiral (via money saving expert). Gone for the most expensive option/cover for a couple worldwide (ex USA) for 12 months.... about £100.
Obvs depends on whether you're going more than once a year.
*EDIT*
I should have asked – how long is the trip for? Ordinarily, single trips longer than 30 days need more specialist cover.
Trip is 2 weeks.
Will look at Europewide cover.
Just be honest about any medical conditions, even if it means the premium rises.
For example our annual Europe policy for two adults doubled when we put in our various things. But then we we are both over 60.
Oh, and having had to make a claim last year ( couldn’t travel because of herniated lumbar disc) I would avoid Post Office insurance unless you want to spend weeks of calls and emails sorting it out.
Two weeks of EU travel insurance is pretty standard and nothing about your trip sounds adventurous or challenging from an insurance point of view.
- If you are planning to travel again, even in UK, look at an annual policy. Much better value.
- Go through a comparison site and book with one of the reputable companies (I like LV for the quality of their customer service)
- Double check you don't already have cover through a bank account (if you pay for a benefits account). If you don't, then look into this as an option. Often represents good value. We pay £15 per month, get family worldwide annual travel, including snow sports, RAC cover and mobile phone insurance, plus other stuff that we don't think to use.
- Declare any medical conditions
Ok pop quiz.
What is a declarable medical condition......
Just been throught this recently. Interested to see what the opinions are.
What is a declarable medical condition……
You’ll know the answer by the time they’ve given you a quote. You answer the questions asked and go from there
Oh I know. I'm asking if you lot know.
I was surprised.
And sure when I went back to their online quote form and clicked through three different sub menus on the form (after the simple tick box of do you have anything to declare).
It was fairly hidden.
So i ask. What do you believe a declarable item is.
We renew annual cover as a couple, as said it then covers UK overnight trips. Sometimes worth getting gadget cover or car rental excess cover as add ons, sometimes in home insurance or separates.
As for medical I would say anything you take medication for and anything being 'investigated', i.e. if you've been to a gp in the 2 years before you take out insurance. Not that I've bothered to declare contraception.
Declarable in the real world is anything you have been to the doc for and had a diagnosis or prescription and that they could decline your policy if you don't mention. Lots of that won't change the premium, but some stuff will - heart, cancer, allergy.
For the minor stuff they might want to know about last 12 months, for big stuff it's anything ever
Their forms will likely make it very clear what info they need once you say you have sthg to declare
That ^
I've never been past the any illness disease injury in the last two years - till I'd had children.
When you click it you find out
They want
Any visit to the doctor
Any prescription
Any hospital visit.
The wording on the question on the form I completed was any illness, disease or injury.
It wasn't till I phoned up to query something they pointed out that when you click yes to those three items. That you get asked for the prescriptions. /GP visits
Could easily be caught out.
Once I'd answered for all the kids visits to the GP and the medicines they are on.... The policy rose by 4 quid.