Travel insurance

Try this. Just got an email from trailfinders, it says the following



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Our market leading policy has extensive Covid-19 cover including cancellation prior to travel, curtailment of your trip, quarantine, and medical expenses whilst overseas.

Pauliedragon wrote: »

I don't know how true it is but a couple of "experts" said on radio that beacause the official government advice is not to travel then that would void any travel insurance plan if you were to get sick from any medical issue.

There are some companies that are guaranteeing cover regardless, best to inquire before purchasing.

ted1 wrote: »

Why would you go to Spain if you are being asked not to ?

Who’s asking OP not to?

bladespin wrote: »

Who’s asking OP not to?

The government: https://www.dfa.ie/travel/travel-advice/

And NPHET: https://www.google.ie/amp/s/amp.independent.ie/world-news/coronavirus/stay-in-ireland-its-not-worth-the-risk-nphet-expert-warns-against-travelling-this-year-39379636.html

horse7 wrote: »

There are people who travel to Spain and other countries because of reasons other than holidays.

Such as? . it’s for work they’ll have valid insurance

bladespin wrote: »

Are they though, essential travel is fine by both, who’s to say it’s not? OP makes no mention of their reasons for their holiday.

Let’s ask..

OP what makes your journey essential?

From VHI website

1. Cover for pre-booked trips:
Vhi MultiTrip will provide cancellation cover due to COVID-19 for all renewing customers for any trips booked in 2020 prior to March 19th, where your date of travel takes place after your current policy expires under the condition that:
- You are unsuccessful in receiving any form of compensation from your airline, tour operator / accommodation provider
- Provided you renew your MultiTrip policy by the last day of your cooling off period.
2. Emergency medical cover:
We are happy to confirm that from 01 June, Vhi MultiTrip provides members with COVID-19 medical cover for all future trips as long as you are not travelling against DFA advice.
All Vhi PMI policies provide emergency medical cover abroad, including for COVID-19 related medical needs, of at least €65,000. Vhi MultiTrip tops up the emergency medical cover that exists on domestic health insurance policies to €10 million.
3. Extension to cooling off period:
We recognise that it may now be taking more time to consider planning a holiday at home or abroad and for this reason we’ve extended your cooling off period by an additional 14 days (now 28 days in total) to allow you extra time to review your cover and contact us with any changes you may wish to make.
4. Staycation cover enhancement: (Trips in Ireland)
For staycation travellers, the domestic trip cancellation benefit is being enhanced to cover all overnight pre-booked trips. This benefit has changed the minimum nights that a customer must have pre booked and pre-paid accommodation from 2 nights to 1 night.
5. Price change:
From 15th July we have also reduced our premium by 25% on base rates only. This price change will impact any new and renewing customers from this date.
Please note: Vhi MultiTrip are no longer able to provide for claims related to COVID-19 on new policies issued, with the exception of emergency medical claims as long as you are not travelling against DFA advice.

Michael Martin is on TV now,says Ireland is at 5 cases per 100,000, Canada is at 2. What the government is doing doesn't make sense.

My VHI multutrip is due for renewal on 30th July.

Is there any point in renewing? My trips in the foreseeable will be to Spain, one possibility to Portugal, neither of which are currently on the green list so I would be travelling against DFA advice.

However I was reading an article which said that premiums will soar, approx 25% increase because of all the claims they will have to deal with this year. Implying that people should renew to keep the existing cost.

But should I just take my chances and buy a new policy at some point in the future when this over? Even though it will probably be more expensive. Have I anything to gain by renewing now for a year when I'll be doing little travel and not to those countries currently on green list? What do people think? Thanks.

I think you’re way of reasoning is spot on! One thing you maybe interested in is the 2 year policy Multitrip do...I usually get that and find it very handy.

treascon wrote: »

My annual travel policy is due for renewal shortly with multitrip.com. Even though I have no travel plans, I have decided to renew it. They announced today that they will cover cancellation as a result of a positive Covid 19 result and will cover medical expenses abroad as a result of Covid 19 diagnosis with regards to the green list. The thinking behind it it is better to have continuous cover than broken cover. Not sure whether or not this makes a difference but better safe than sorry. And the price is around the same as what I paid last year. God knows how much it may cost next year!

Am very undecided. Must give them a ring, its VHI multi trip. All my trips will be to Spain, maybe one to Portugal. And next year, living in hope

Sheep Shagger wrote: »

Who are they?

You would need to ask your own but Trailfinders are one, Chill also confirmed cover.

Sheep Shagger wrote: »

Rather you than me to trust them, insurance companies are notorious for trying to wriggle out of claims and COVID will be no different.

Devil will be in the detail not the headline saying 'we cover xxx'

That's fine, if I have it in writing I'm happy, personally I don't consider travel insurance necessary unless you think you're particularly going to need it, the services card etc is enough for normal complaints .

Apparently the green list is purely a European plan, and the government has not compiled a list of third countries , see this list from Germany. :Travel from third countries
Since 17 March 2020 entry restrictions have applied throughout the EU for non-essential travel from third countries. These restrictions also specifically apply to travel to Germany.

On 30 June 2020, in view of the improved global epidemiological situation in some regions, the Council of the European Union adopted a recommendation on relaxing the entry restrictions on the basis of a draft drawn up by the Commission. Germany will implement this recommendation from 2 July 2020 as follows:

Third countries without travel restrictions
From 2 July 2020, unrestricted travel to Germany is once again possible from the following third countries with low rates of infection:

Australia
Georgia
Canada
New Zealand
Thailand
Tunisia
Uruguay

Did they also tell you your not covered unless you're on the green list and the insurance company is ok with that too.

Sheep Shagger wrote: »

bladespin on this thread said Trailfinders insurance does.....I have my doubts but ask them...

They’ve clarified that it’s green list only though they were touting cover previously.

Should have said unused annual travel policy in the above post on 24th Feb