Whos had a really good quote for travel insurance?
And who have people went with?
I've been shopping around and found a good deal from the post office, for 1 year, including excess waiver, extreme sports, worldwide, inc usa and canada, 140 pound..
I think this is probably the best deal i will get?
Oh also, Health insurance.. is it included in the travel insurance..
One more thing.. i have asthma.. will i need to go for check ups when im away (Australia for 1 1/2 years, usa and canada for 6 months...)???
Any ideas, thoughts, knowlegde etc. very welcome!!
First of all, quotes and prices aren't the best things to look at with a travel insurance policy. It's the smallprint that is the most important part. So many people I have travelled with that have made a claim, have been refused a pay-out because cover wasn't included. I can't comment on P.O. insurance because I've never used any of their travel services - ever. I've never been impressed with their foreign currency (so called) deals, so have no faith in anything else they offer the traveller.
Your best bet is to go into an insurance broker and enquire. Under UK law, they must have a copy of the terms and conditions of every policy they sell. They are obliged (again by law) to give you a copy for you to examine, before you part with any money.
Cheap does not always mean good - especially with the epic trip you're going on.
I agree with Redpaddy - cheap isn't necessarily good, especially if you are travelling to the US - medical care costs a fortune there.
You should also check that the Post Office policy you have got a price for will cover an extended trip - some policies only allow 30 days at a time out of the UK eventhough it's valid for a year. Another vote for reading the small print very carefully!
We have used World Nomads and Down Under Insurance and have been happy with both of these. They do cost more but you can renew outside of your country of residence (which 99% of other travel insurance companies won't allow) and with Down Under Insurance can opt for different levels of cover depending on what you want from the policy.
As for check ups for your asthma - ask your GP's advice only they can answer that one for you!
[ Edit: Edited on 04-Jul-2009, at 06:03 by loubylou ]
Just to digress a little....
Is it me or are there quite abit of forum posts on travel insurance? Would it be worth to have a wiki article on it under the travel guides?
Post #4#sapphyre.... I think that's a great idea. Having travelled to some very diverse places and needed the best cover available - plus speaking to people that have bought cheap - and got just that, a wiki would be a good move.