Travel insurance Europe and USA with COVID coverage?

AMc

Distinguished Member
I need to get travel insurance for me, my partner and our 18yr old daughter for a 4 week trip to the USA and at least one European trip for a wedding (annual policy).

Family insurance seems to cut off with adult children so I suspect I'll need a separate policy for our daughter.

I've always had travel insurance with my bank account and just bought the family and then the USA extension when we travelled. Before it was withdrawn, they removed cover for cancellation related to the pandemic.
I need to ensure that IS covered by a new policy if we test positive or the destination is shut down to foreigners.

Any suggestions, good experiences or companies to completely avoid?

:thumbsup: Thanks in advance :thumbsup:
 

AMc

Distinguished Member
Looks interesting.

I went through quotes with M&S, Aviva and Direct Line - direct line were leading as I get a discount as a car insurance customer but their payment systems are broken so I haven't been able to purchase online.
Prices are a bit heft but that's true for all of them

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Hokusai Wave

Well-known Member
Looks interesting.

I went through quotes with M&S, Aviva and Direct Line - direct line were leading as I get a discount as a car insurance customer but their payment systems are broken so I haven't been able to purchase online.
Prices are a bit heft but that's true for all of them

View attachment 1654833
Certainly don't need £20 million medical...£5 million is more than enough and even that is overboard.
 

Hokusai Wave

Well-known Member
if your going to the usa....20 million Should cover a serious accident ?
The highest ever claim has been less than a £1 million, and that involved helicopters to a remote part of of the South Pacific.
 

basserphil

Well-known Member
tell that to my friend who broke their neck......its ok for you to say 5 million is too much for you....but that statement is now out in the internet and others may take that as a real fact.
 

AMc

Distinguished Member
$20M is not really relevant. I didn't choose those values, the quote details on the right are what I've chosen - the rest are their standard terms. I guess they can cheerfully put $20M knowing it will never happen.
All these policies are pretty stingy on personal items and cancellation e.g. the things you might be likely to actually claim on!

The important part is not getting screwed for 3 transatlantic flights, overnight train and 3 weeks of car hire and hotels if one of us gets a positive lateral flow 24hrs before departure :)
 

Delvey

Distinguished Member
Which bank? I know nationwide recently added cover for pandemic related issues
 

AMc

Distinguished Member
Which bank? I know nationwide recently added cover for pandemic related issues

I'm with Nationwide but they withdrew my COVID cover in 2020 and the travel insurance benefit completely from the standard account at the end of 2021.
You still get it with the paid account along with breakdown and phone insurances that I don't need. It's £13 a month = £156 a year.
I used to pay an extra £80 or something on the free product to extend to my family and add the USA so probably no cheaper.
If I consolidated my breakdown too that might be worth the effort but they'd probably baulk at covering my 17yr old car and 2 family members as well.

Touch wood - I've never lost or broken my phone :)
 

Delvey

Distinguished Member
I'm with Nationwide but they withdrew my COVID cover in 2020 and the travel insurance benefit completely from the standard account at the end of 2021.
You still get it with the paid account along with breakdown and phone insurances that I don't need. It's £13 a month = £156 a year.
I used to pay an extra £80 or something on the free product to extend to my family and add the USA so probably no cheaper.
If I consolidated my breakdown too that might be worth the effort but they'd probably baulk at covering my 17yr old car and 2 family members as well.

Touch wood - I've never lost or broken my phone :)
I have a flex plus joint account so the benefits cover both of us (including breakdown). For £13 a month it's a no brainer as bog standard breakdown cover costs that per person near enough. My only gripe is they removed diving cover from 30 metres to 18 metres.
 

AMc

Distinguished Member
@Delvey yup that sounds good in your situation - we're just complicated with a 3 adult family, 3 cars - one of which GreenFlag got their knickers in a twist about this year because of it's age even though we've only ever called them out once for a younger car (dead battery).

If Nationwide had kept the basic travel cover on my Flexaccount I'd just have upgraded to cover everyone without bothering to shop about.
 

Heathens

Member
I've paid just over a tenner for travel insurance with COVID cover and existing medical condition cover for a trip to France at the end of the week (Saturday till Wednesday) so I can go and celebrate my mother's 80th birthday with her (she lives over there). I used an insurance comparison site that specialises in people with pre-existing conditins and the insurance itself was through "Southdowns".
 

AMc

Distinguished Member
I've paid just over a tenner for travel insurance with COVID cover and existing medical condition cover for a trip to France at the end of the week (Saturday till Wednesday) so I can go and celebrate my mother's 80th birthday with her (she lives over there). I used an insurance comparison site that specialises in people with pre-existing conditins and the insurance itself was through "Southdowns".
Interesting - looks like they're another company white labelling AXA cover.
When I put our details in the numbers come up very close to the Coverwise quote I ran.
Might be useful if you have pre-existing conditions though :)

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