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Value for money travel insurance!

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1. Posted by PinkTrousers (Budding Member 9 posts) 51w

Hi there!

I'm looking for travel insurance and it seems every time I go away I buy a single trip policy here, another there, and they add up pretty fast!

I'm thinking I may be better off getting an annual policy.

I just want to know if anyone has one, what kinda price they paid and what the coverage is like?

I've been on a few comparison sites but it's all so hard to see what's value for money and what isn't. As ever, you are paying higher prices for recognisable brands and I just want decent insurance!

Thanks in advance - G

2. Posted by Andyf (Travel Guru 640 posts) 51w

It depends what you want it to do.

Personally I forget about any baggage cover or delayed departure payouts - those things are minor and get soaked up by excess charges. I want medical care and repatriation, and pretty much all policies do those properly. So I buy the cheapest, as long as it covers any countries i may go to.

I often take worldwide excl usa & Canada since that is cheaper and I seldom go to them. I look at restrictions eg a max altitude on hiking, and I ensure it covers cruises.

Even so I occasionally end up also taking a single trip policy for longer trips which wouldn't be covered by an annual policy - watch out for that.