hey can anyone give me an idea of what the best travel insurance is, i normaly just go for the 1st one i find and luckly iv never had to use it, but in the instance i do get ill or injured id like to know im coverd by the best, so is there any insurance companys people could recomend that thy have used or had to claim before and never had any problems with, same if u have had insurance and had a bad experiance with the company.....
I have narrowed it down to STA travel, Usit Gold and World Nomads... i have to say nomads is comming out at the bottom and Usit at the top - really depends on what you want to do, how long you are going for, where you are going etc...
Usit have the option where if you should have to be flown home for the illness or death of a family member they will give you €500 to get back to continue your "holiday" within 21days!
lol thats not bad i recon ud be over a death in the family in 21days depending lol
The best deal is the one thats best for you. Price is important but not the main reason for choosing. Call an 0800 number from Yellow Pages and sit on the phone for a couple of hours while they check the smallprint for you at their expense. There are literally 1000s of travel policies out there and nobody knows them all. Sometimes its a bit of nice pot luck that you find a little beauty. The conditions on travel policies are amongst the meanest in any insurance field and thats mainly because the companies know that travellers rarely read what theyre covered for. How often do people go into a travel agent or read on-line "Travel insurance £25"? Most think 'OK', some fall over and break their leg or have their cash and cards stolen just to find out that theyre not covered. The smallprint needs far more attention than the glossy pictures.
I usually go for the one that has the highest amount of medical cover and will cover me for any activities I intend to participate in..even camel riding is not covered by all!
I got a good deal last year with Flexicover, £1m medical, cancellation, personal effects, baggage, personal accident etc., worldwide incl USA for the whole year for £27! The only restriction was that each trip was for no more than 21 days.
Columbus Direct insured me for a longer trip (5 weeks) with £10m medical cover and good cover for all else for just £24.
I have just taken out a long stay (12 months) with Atlas including £10m medical and all else except cancellation for £111
Its worth shopping around but as has been said already...Read the small print! Personally I usually use moneysupermarket. com for searching as it is easy to make comparisons.
Although this doesn't apply to you, some backpackers (longstay up to one year) insurance will have an age restriction. It appears that some insurers think that those of us over 40 are a liability. They are probably right - it wasn't till I reached 47 that I decided to try bunjee jumping and sandboarding etc.!!