My boyfriend and I are off for 11 months round the world and are looking into travel insurance. We have booked our tickets with STA who offer travel insurance too, however we've decided to at least have a look around and see what else is on offer. I've found out about Nomad who look reasonable. Has anyone had experience of dealing with either STA or Nomad travel insurers? Is there another company one of you would recommend?
[ Edit: Edited at Aug 5, 2006 8:35 AM by niknak ]
Hey - i also booked with STA. We also booked our insurance through them, purely because we dont want to be dealing with insurance companies incase of any accident - what i mean by this is that we can contact STA and hopefully they will have enough information on us already they can chase up claims on our behalf (i should imagine it will be a lot of trouble to chase up claims from the other side of the world). We probably paid slighty over the odds mind but then they know what we are doing (extreme sports etc) - whereas some companies may not even touch you if you mention it. Hope thats helped
Yep that helps. Did you look at Nomad though? I've herad it mentioned a lot on here but I don't really like the idea of them being solely internet based......
Where are you off to anyway? We're doing China, Oz, NZ then S.Amerca.
ive used a lot of different companies over the years, theyre all pretty much the same to me, its more about finding the right coverage for you. The one that will cover you for where youre going and the things you are taking. Read the fine print always! Sometimes youll find in the fine print they wont cover for items over $200 and stuff, and not for any adventure sports or vehicle hire or if you are working. Basically if you get sick, call them straight away. I was sick in Mexico and nothing happened until the insurance company got involved. (im with home building society this time but have used hbf and sta and usit recently aswell). Also something handy i discovered in recent years is a lot of insurance companies accept photos as proof of ownership so now before i head off i take photos of everything, ready to go with my pack, with a digital camera with the date setting on. One of my friends has his entire bag lost by an airline never to be seen again a few years ago. He got nothing back on insurance AT ALL! because he had no receipts or proof of purchase. Also scan all receipts and documents, visas, insurance, and passports and burn onto cd and take with you, this comes in really handy.
I'm seriously overwhelmed with looking at insurance. I've only got 3 weeks until I go...and still don't know what the best company/policy to go with?
STA are about £400 for 12 mths, so much money!
Is this a normal cost for a years travel insurance?
I looked into www.backpackinsurance.com but they're £200 cheaper than STA so does that mean they won;t cover me on something?
I'm reading all the fine print, compairing different companys, but am I missing something? HELP!!!
Just a note,
You always should shop around for travel insurance, and read the fine print on what it overs.
Travel agents are NOT registered insurance sellers, and therefore are not regulated the same. They also make a large proportion of their profit from selling insurance, and know people don't bother looking into the finer details.
I pay about £120 per year through my credit card, it's not the cheapest but the service is there and i know it covers me for how i travel.
Good luck, spend time now as there is nothing worse than finding out when you need it that it won't cover you how you expect it to.
Just got some quotes from Insure & Go and Direct Line. Both about £200 for a year and seem to cover the important things for me. £400 seems a lot, but then it depends what you want cover for (eg dangerous sports put prices up). Do look at the small print like exclusions, hospital treatment, flying home, personal belongings etc.
I'm thinking about going with Insure & Go - anyone know what they are like?
Jen23 I agree STA do seem expensive Nomad is a lot cheaper and we're seriously consdering going with them. They seem to cover the same stuff I think......!