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Recommendations for Travel Insurance?

Recommendations for Travel Insurance?

Old Jan 7th 2018, 1:34 pm
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Default Recommendations for Travel Insurance?

We used to have an annual travel insurance policy in the UK which covered skiing. As we are planning our ski trip this year, we need to get travel insurance sorted. Any recommendations which company to use?
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Old Jan 7th 2018, 2:56 pm
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Default Re: Recommendations for Travel Insurance?

Originally Posted by Brandy07 View Post
We used to have an annual travel insurance policy in the UK which covered skiing. As we are planning our ski trip this year, we need to get travel insurance sorted. Any recommendations which company to use?
I always get my travel insurance through booking my flights. It is with Alliance. You might want to check them out.
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Old Jan 7th 2018, 3:04 pm
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Default Re: Recommendations for Travel Insurance?

I'd always use a comparison website and take the cheapest reputable looking company.
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Old Jan 7th 2018, 4:09 pm
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Default Re: Recommendations for Travel Insurance?

AIG.
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Old Jan 7th 2018, 7:21 pm
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Default Re: Recommendations for Travel Insurance?

Thanks all - I’ll look into these
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Old Jan 7th 2018, 8:56 pm
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Default Re: Recommendations for Travel Insurance?

Our son recently used Lonely Planet World Nomads insurance. The slightly more expensive policy included skiing.
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Old Jan 7th 2018, 9:24 pm
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Default Re: Recommendations for Travel Insurance?

Food for thought if you are in the US: Do you currently have medical insurance, and is there a reason that your medical insurance wouldn’t cover a skiing injury? If you’re on an HMO or emergency only plan, perhaps there is a valid reason to get additional cover. My PPO plan would cover me regardless of cause, although they may well try and sue someone to get some of the cost back.
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Old Jan 8th 2018, 3:55 pm
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Default Re: Recommendations for Travel Insurance?

Originally Posted by AdobePinon View Post
... Do you currently have medical insurance, and is there a reason that your medical insurance wouldn’t cover a skiing injury? If you’re on an HMO or emergency only plan, perhaps there is a valid reason to get additional cover. My PPO plan would cover me regardless of cause, although they may well try and sue someone to get some of the cost back.
Whilst many PPO-style plans may cover people who get injuries, whether their fault or someone else's, the main reason for getting special travel insurance (whether free via certain credit cards or specific paid insurance), in my mind, is to cover things such as repatriation costs (from a foreign country or another state). You may, for example, break your leg and want to return home to be treated at a local hospital / specialist, and you might require extra accommodations when traveling. Travel insurance could cover many/most/all of those costs. Also, if you couldn't be repatriated, the insurance could also cover a certain amount of costs for you to stay in a local hospital while you recover, without hitting your PPO (deductible / co-pay / coinsurance).

My PPO health plan would cover any medical costs that arise from an emergency, and all treatment would count as in-network, wherever I am in the world, but it won't cover any repatriation costs, nor any lost earnings if I was to use up all of my sick leave and/or vacation and have to take unpaid leave.

Last edited by cautiousjon; Jan 8th 2018 at 3:58 pm.
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