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The annual "Annual Insurance" thread. This time with added Covid-19.

 Poster: A snowHead
Poster: A snowHead
@thunderer, so you are visiting that country on 31st. A few days later you are still visiting so you were visiting on 31st
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
We will make sure we arrive on the 30th
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
thunderer wrote:
@holidayloverxx, That how I read it !! but the wording " in the country you 'were' visiting on the 31 Dec 2020 was just a little confusing as I am arriving on the 31st.
.

i.e. visiting on 31st
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 You need to Login to know who's really who.
You need to Login to know who's really who.
Haha all very witty aren’t we
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
@thunderer, eh? You asked and we answered
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 You'll need to Register first of course.
You'll need to Register first of course.
thunderer wrote:
Haha all very witty aren’t we


Your welcome!
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Just looking in case we are not recommended to travel by the FCO ..what about this ...anyone used them Puzzled https://www.staysure.co.uk/fco-advice-travel-insurance/
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
@DaveD, a few people have said so in the other threads
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 You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
Staysure annual insurance only covers up to 21 days for one only single trip for winter sports. Does not include off piste outside " authorised " areas so certainly no touring. Against FCO advice would not cover medical costs for covid. So if you are worried about potential high costs of ICU you would need to source separate health insurance.
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 Ski the Net with snowHeads
Ski the Net with snowHeads
I just saw a mention of this medical policy on a motorhome forum and recalled that some on here were considering this type of cover. https://www.axa-schengen.com/en
No covid or existing conditions are covered but all else including medical expenses, emergency hospitalisation and repatriation.
FCO advice does not affect the policy and the op had a quote of £319 for 2 people for 180 days.
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
BoardieK wrote:
I just saw a mention of this medical policy on a motorhome forum and recalled that some on here were considering this type of cover. https://www.axa-schengen.com/en
No covid or existing conditions are covered but all else including medical expenses, emergency hospitalisation and repatriation.
FCO advice does not affect the policy and the op had a quote of £319 for 2 people for 180 days.


""Our travel insurance policies have an exclusion whichpreventsyou for claiming for any circumstances known prior to purchasing a policy or booking a trip which may cause a claim. Late on 11th March 2020 the World Health Organisation confirmed Coronavirus (COVID-19) has reached pandemic status. Therefore, it is reasonably foreseeable that it may give rise to a claim.""

and

""Yes, we cover your medical fees related to the Coronavirus as long as you have respected medical advice and the travel recommendations provided by the World Health Organization or any other similar organization or from the country you are traveling to.""

This seems to contradict the assertion that FCO advice issue does not affect cover and that makes it similar to all other policies on offer, as for cover for all grounds non covid
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 And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
@snowornever, Hence me saying "No covid or existing conditions are covered".
The point of posting was that most policies don't give any cover whatsoever whereas this one does.
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 So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
BoardieK wrote:

FCO advice does not affect the policy.


Confused
Does this mean travel against FCO advice cancels all cover or not?
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 You know it makes sense.
You know it makes sense.
I think that there are three particular circumstances that most insurers don't want to cover 1.1.21 onwards , that is, expenses arising from

(a) voluntary cancellation due to a change in status of Arrivals from the UK to your destination country
(b) voluntary cancellation due to a change in status of Arrivals from a foreign country back into the UK
(c) a Covid infection

After the March débâcles, when everyone suddenly discovered what force majeure actually meant, I see the insurers trying, understandably, to limit their liability re (a-c) above in a way that's clear and simple. Unfortunately, the only definitive tool they have is the wholly ill-suited 'Against FCO Advice'. They're happy to cover you just like before in terms of 'standard' risks, like accidents, unexpected illness, existing declared conditions etc. But not (a-c). The trouble is that it's very hard indeed to phrase their exclusions clearly. Hence the confusion.

On top of this, I think some insurers are being deliberately obtuse. They're hoping to win new business by introducing ambiguity into the definitions and can drop the bombshell that you're not covered when you make a claim. And as we saw back in April onwards, as people made claims, this is then your problem, not theirs.
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
We are travelling with Inghams. In terms of cancellation Inghams have a lot of eventualities covered regarding cancellation due to corona virus. But there are two areas that are not covered. The first is that you can’t go because you came up on track and trace within 14 days if your trip. This is definite as it clearly states this on their website. The second is what happens if you have to quarantine upon arrival. Crystal have this covered and state that they would cancel your trip if quarantine was required in either the country you are going to or when returning to the uk. I have messaged Inghams to see if they also offer this as I can’t find anything on their website.
I can’t find an insurance policy to cover these two possibilities. Does anyone know of an insurer that will cover this.
I’m surprised that Crystal offer a refund because of the need to self isolate when returning to the uk. Many people have lost trips over the last few months because they couldn’t self isolate when returning. This must be a big selling point for Crystal.
Trying to find decent winter sport travel insurance with Covid protection is very time consuming as you have to read the small print. So if anyone has a good suggestion please let me know.
The best I have come across so far is ‘Coverwise’ who are underwritten by Axa. Their silver winter sports + Coronavirus protection + multi trip is showing at £80. It covers a lot of thing but not the Cancellation points discussed above.
I have looked at Staysure but they had a few areas that didn’t really fit our needs.
So if you have any suggestions please let me know.
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 Poster: A snowHead
Poster: A snowHead
@Eggfried, Thanks for highlighting Coverwise. At first scan of the it looks to provide what I will need. Multi trip skiing up to 17 days per holiday with apparently no limit on the total number of ski days over multiple trips and pre existing conditions. Cancellation cover is not an issue for as everything we have booked is fully refundable/movable. Don't think I've seen any offering the 2 circumstances you need.

Damn, just checked age limits, Multi trip restricted to under 66
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
@Timc, Single trips limited to 31 days if aged 62 or over and my cheapest quote was £655 for a 60 and 62 year old couple. Which seems a lot, and there was still a warning about travelling against fco advice.
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
Just want to flag up for people to check their debit/credit card hasn’t expired. A couple of years ago we assumed the money for our renewal had been automatically collected as usual. We got back to a letter saying they had been unable to take payment so we had skied uninsured. So lucky we didn’t have to call on it.
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 You need to Login to know who's really who.
You need to Login to know who's really who.
Just had a read of the new Monzo Premium account cover (provided by AXA). Good news: it only excludes travel where FCO advises against “all travel” - at the moment it’s against “all but essential travel” (important distinction). Bad news: skiing off piste only covered “with a guide”. Weird news: Ski Touring is covered (excludes personal accident and liability cover). Assume they think ski touring is cross-country.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Coverwise gives me what i need apart from they specifically exclude travel where FCO advises against “all or all buit essential” travel. So if by December the FCO have replaced their advice with some kind of testing regime that looks good.
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