godisaclog

Hi folks,

Been a while since I posted - we're now happily settled here in Houston. We're off on our (very) delayed honeymoon next week. I was looking for some advice on travel insurance.

The only travel I have done since being in the US has been on business, so I have been covered by our company travel insurance policy. For my wife, I bought a cheap(ish) annual policy in the UK before we left to at least cover us for the first month or so here until we got the renters insurance etc. all up and running. But we're off to Mexico now, so I thought it would be best sorting this out properly.

How do people do it here? My company provides us with medical insurance through a bupa plan. I assume this counts as primary coverage, and therefore I can go for secondary coverage travel insurance plans? I'm not sure whether my wife will be covered under her old UK policy as we clearly aren't resident in the UK anymore, although I suspect for small claims nobody will know the difference. Can I just buy US travel insurance, and how does it "fit in" with my medical insurance I have here in the US. I checked to see if my renters insurance allows me to "tag on" travel, but it doesn't seem too.

Any advice on what you've done appreciated!

Yorkieabroad

I've found it a lot harder (and more expensive) to get travel insurance here compared to the UK. We just used World Nomad for a ski trip, which fortunately we didn't have to use. The medical side of it is sold as secondary insurance to any medical you already have, and that is how it was treated last year when we did need to make a claim. They waited till our medical insurance had paid their dues, and then the WN insurance picked up the balance. We have a very high deductible on our primary, so WN weren't too happy and it took a bit of wrangling "proving" the claim, but we got there in the end.

Someone else mentioned a website on a similar thread not long back - I think it was insuremytrip.com. I checked them out - its a comparison website that pulls in quotes from various companies and was useful to see what was out there. For the cover we needed this time, we couldn't find anything cheaper than WN, but they did highlight that some of the companies were offering seemingly better policies at cheaper rates depending on what they were called, which was odd. Can't remember the company, but their Platinum cover was cheaper but seemed to be better than their Gold, which seemed the wrong way round. Maybe something in the small print....of which there was lots!