LV or MPI for me. Had annual policies with both, with winter sports cover. Have had to claim on both. A quick and easy experience with the claims paid out with no quibbles.
MPI was a cancellation due to a member of the group not being able to travel for medical reasons. LV for delayed baggage - claimed almost £500 as was for a snowboard trip and all clothing and equipment was delayed.
Don’t recommend coverwise. A painful long drawn out claim process, with poor assistance when abroad and a member of the group in hospital.
That’s good to know, I generally always go with that coverwise as it was recommended from MSE.
I’ve gone for more premium cover when going mountaineering/winter sports though as they don’t offer helicopter rescue.
That's interesting as I've been with Coverwise for many years. Maybe I'll look elsewhere when it's time to renew...LV or MPI for me. Had annual policies with both, with winter sports cover. Have had to claim on both. A quick and easy experience with the claims paid out with no quibbles.
MPI was a cancellation due to a member of the group not being able to travel for medical reasons. LV for delayed baggage - claimed almost £500 as was for a snowboard trip and all clothing and equipment was delayed.
Don’t recommend coverwise. A painful long drawn out claim process, with poor assistance when abroad and a member of the group in hospital.
We were just on holiday in Argentina and got stuck in Ushuaia in 3 days because of airport strikes. We couldn't get rerouted so had to cough up £350 each for a last minute 45 min flight to the next destination.
I was hopeful my Coverwise policy (underwritten by AXA) would cover it as it had decent reviews when I took it out and it wasn't cheap, but alas it does not cover travel during the holiday, only travel to or from the UK. I tried to argue I was indirectly on my way back to the UK as my holiday was due to end up some point after taking this flight and I would be going back to the UK, but needless to say that didn't get me anywhere
Will do more thorough research when I next need to renew my policy
Nope it is an annual policy. The problem is the policy wording (copied below) specifically references travelling to and from the UK. There are other sections of the policy that cover some stuff whilst on holiday (e.g. needing to travel/change hotel due to a natural disaster) but nothing that covers my specific scenario unfortunatelyDid you get a single trip holiday?
Wondering if it make any difference had it been an annual one, because you can take multiple, which means every stop you take is a holiday.
Nope it is an annual policy. The problem is the policy wording (copied below) specifically references travelling to and from the UK. There are other sections of the policy that cover some stuff whilst on holiday (e.g. needing to travel/change hotel due to a natural disaster) but nothing that covers my specific scenario unfortunately
If you have arrived at the terminal and have checked in, or attempted to check in for your prebooked
flight, sea crossing, international coach or international train journey from or to the United Kingdom,
and in addition for residents of Northern Ireland, any departure point in the Republic of Ireland, and it is:
1. Delayed for more than 12 hours beyond the intended departure time.
2. Is cancelled before or after the scheduled time of departure as a result of any of the following
events:
a. Strike or industrial action.
b. Adverse weather conditions.
c. Mechanical breakdown of or a technical fault occurring in the public transport on which you
are booked to travel.
You just saved me about £350 on insurance for my mum (going to SF in April) and I as I’ve got a Platinum card and it indeed has insurance for the holder….Can't remember which one but if you have American Express you get free travel insurance( atleast the BA one does), will check shortly as I need to arrange for Korea
Edit: It's AXA insurance. The process is easy, you just fill in your travel details and they email you a copy of the travel insurance.
Covered by AXA via an American Express card. I have claimed for overseas medical expenses twice in a few years, both times just for a few hundred quid each, and both times they coughed up/I wasn't left out of pocket. However, the most recent time there was a long delay and I had to enter in to a lot of email correspondence over several weeks. Based on the recent experience, I would not recommend it unless it comes with a card you're getting entirely for other reasons. I have another free/bundled policy with a current account, and I've never used it but heard good things about it. Might try claiming on that one next time.