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Trip Planning Florida Florida Holiday Planning Questions, Suggestions and Tips. |
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20 Aug 18, 04:13 PM |
#1
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Getting Excited
Join Date: Oct 14
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Any recommendations for WorldWide Family Travel Insurance
Started looking for this today, its a bit of a minefield! There seems to be so much variation in cost and cover, and I'm not really sure where to start! I'm looking for cover for a family of 2 adults and 2 children age 8 and 11. I have got personal cover for myself via my Nationwide FlexAccount, and have been quoted £80 to upgrade to family, worldwide cover. Does anyone have experience using them? Or knowledge of the adequacy of the cover? Thanks in advance!
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20 Aug 18, 06:10 PM |
#2
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Getting Excited
Join Date: May 06
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We have annual cover through my Flexplus Nationwide account but haven't had cause to use it. They are prepared to cover DH and his medical needs very reasonably. Son used them though when he ruptured his achilles on the first day of his holiday to Tenerife in February. All sorted now (although they did have some issues initially). Which recommend the following for families:
(Provider/Policy name/cost/Max age premium applies to/satisfaction) Best policies for families (single trip) Covered2Go Gold £74 49 81% Blue Bear Travel Gold £79 49 79% Holiday safe Premier £78 35 92% Annual Travel Insurance Super £79 67 65% Topnotchcover Silver £82 54 65% Best Policies for Families (Annual Policies) Letsgoiznsure Travellers Choice £62 65 87% OUL Direct Gold £64 49 65% Annual Travel Insurance Super £70 65 65% Multi Trip Premier £74 65 65% Mrs TT
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2002 - 2007 Annual summer visits to the Mouse July 08 4 weeks. Oct 08 Special birthday trip; July 09 4 weeks to drop off daughter for dream Disney job in the Rose and Crown Oct 09 Quick visit to DD Christmas 09. Another visit to see DD. Easter '10 Beach Club with Cairistiona Summer '10 5 weeks for our Final Fling! July '11, 3 weeks Indian Crek; July 2012 4 weeks |
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20 Aug 18, 06:17 PM |
#3
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Imagineer
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Have you considered upgrading your Nationwide account to Flexplus? This costs £13 pm but includes Worldwide family travel insurance, mobile phone insurance and car breakdown insurance, plus pays interest on your account balance up to £3000. So if you keep £3000 in the account, then around £5-6 is paid back as interest, so I feel the £13 charge is far cheaper than paying for all the benefits separately especially when you consider the interest paid back each month.
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20 Aug 18, 06:23 PM |
#4
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Imagineer
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I recommend HSBC Premier
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20 Aug 18, 06:26 PM |
#5
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Thread Starter
Getting Excited
Join Date: Oct 14
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Mrs TT Thanks for the advice! The letsgoinsure one sounds good, but I’m always a bit wary of companies I haven’t heard of!
Disneydaffodil Thanks for your input! Is the £5-6 interest monthly or yearly? |
20 Aug 18, 06:30 PM |
#6
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Thread Starter
Getting Excited
Join Date: Oct 14
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20 Aug 18, 06:33 PM |
#7
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Imagineer
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I was going to recommend this too so will answer that the interest is monthly provided you have the balance all month, it negates the £13 cost when you take into account the other benefits too. Some very good cover included such as ash cloud, end supplier failure etc, I also noticed that if you’re hospitalised for a few days on holiday (5 I think), they will pay up to £500 for a recuperative holiday when you’re well enough!
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Easter 2011 Legacy Park Villa fl. Aug/Sept 2013 Thousand Oaks Villa fl. April 2015 Lake Wilson Preserve Villa fl. May 2017 the sanctuary, West Haven villa Fl. October 2019 Pier 60 & Highlands Reserve villa fl May 2020 endless summer and Aventura |
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20 Aug 18, 06:43 PM |
#8
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Imagineer
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20 Aug 18, 06:46 PM |
#9
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Getting Excited
Join Date: May 06
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This is what I have done. Worth it for the Travel Insurance, phone insurance and breakdown insurance which would all come in at more than the annual £156 cost. I phone to alert them to DH's pre existing medical issues and pay a very reasonable additional premium. As DisneyDaffodil says you are credited with 3% annual interest on balances up to £2500 in your current account each month (£6.28 last month) and you also become eligible for a regular monthly savings account that allows you to transfer a maximum of £250 each month with an annual interest rate of 5%. I save the maximum each month which means I have £3000 +£86 approx interest at the end of a year. A nice wee contribution to my next Disney holiday
Mrs TT
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2002 - 2007 Annual summer visits to the Mouse July 08 4 weeks. Oct 08 Special birthday trip; July 09 4 weeks to drop off daughter for dream Disney job in the Rose and Crown Oct 09 Quick visit to DD Christmas 09. Another visit to see DD. Easter '10 Beach Club with Cairistiona Summer '10 5 weeks for our Final Fling! July '11, 3 weeks Indian Crek; July 2012 4 weeks |
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20 Aug 18, 07:00 PM |
#10
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Imagineer
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Monthly 😀. So basically, the account fee is £7-8 pm if you take the interest back off it. Then the £7-8 covers travel, mobile phone insurances and car breakdown cover. We used the breakdown cover once for our car, just rang them, they sent someone out who sorted the problem quickly and we never even had to fill in any paperwork, all dealt with easily.
Seems I was mistaken about it being £3000 balance, it is £2500 max for interest, anything above this does not get interest. Edited at 07:04 PM. |
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