Travel Insurance

[KannikaP]

I have just booked flights to UK and back via Dubai. I am now looking for Travel Insurance, looking at Bolttech, MSIG, True and Bangkok Bank's offerings. But it is so complicated with greatly differing coverages, plans and Premiums.

Would a policy cover me for any accident or illness occurring BEFORE i fly on 28th March? Any experts out there please.

One company told me that coverage would only start ONE HOUR before my flight time. I would have already checked in and gone through Immigration by then, crazy!

[Will B Good]

Using your credit card coverage, usually begins immediately after you purchase the trip (e.g., flights, hotels, or vacation packages).

 

This applies to cancellations due to covered reasons occurring before your departure.

 

Other coverages (e.g., Baggage Delay, Travel Delay, Accident, or Medical Insurance) coverage generally starts when your trip begins, such as the moment you leave your home to travel to the airport or start your journey.

 

Unless someone can name a particularly policy they've used it seems a bit of minefield.

[Phillip9]

Travel insurance is basically a scam.  It's not well regulated and they try everything not to pay even if you have a valid claim.  Better to just save the money and self insure.

[msbkk]

33 minutes ago, KannikaP said:

I have just booked flights to UK and back via Dubai. I am now looking for Travel Insurance, looking at Bolttech, MSIG, True and Bangkok Bank's offerings. But it is so complicated with greatly differing coverages, plans and Premiums.

Would a policy cover me for any accident or illness occurring BEFORE i fly on 28th March? Any experts out there please.

One company told me that coverage would only start ONE HOUR before my flight time. I would have already checked in and gone through Immigration by then, crazy!

If you buy travel insurance usually the policy will be valid for cancellation (within the limits of the policy bought) immediately. But other coverages like accident or sickness will normally be only covered during your trip, not before that.

[Etaoin Shrdlu]

Here's an excerpt from the trip cancelation/postponement section of a travel policy issued by the local operation of a multinational insurer.  

[KannikaP]

23 hours ago, Will B Good said:

Using your credit card coverage, usually begins immediately after you purchase the trip (e.g., flights, hotels, or vacation packages).

 

This applies to cancellations due to covered reasons occurring before your departure.

 

Other coverages (e.g., Baggage Delay, Travel Delay, Accident, or Medical Insurance) coverage generally starts when your trip begins, such as the moment you leave your home to travel to the airport or start your journey.

 

Unless someone can name a particularly policy they've used it seems a bit of minefield.

Checked my C Cards, and they only insure flights originating in UK.

N'wide, Virgin, Lloyds, B'card. 

[Will B Good]

5 hours ago, KannikaP said:

Checked my C Cards, and they only insure flights originating in UK.

N'wide, Virgin, Lloyds, B'card. 

 

Good spot.....never thought of that.....they are always looking for an out.

[JoePai]

I always use these people in Thailand to help me though the minefield that is Insurance and am very happy with them  https://www.aainsure.net/pattaya-ps.html

[yang123]

Poser:

          Suppose you and your missus have lived in Thailand for several years.  Despite both having UK passports, apparently you aren't entitled to free NHS treatment in the event that you fall ill/have an accident while visiting the UK.  That's one good reason to have health insurance for any planned holiday there.

          Another is the current well-documented state of the NHS ER service (very long waits for ambulances, ambulances queuing to deliver patients to ERs, beds lined up in corridors after triage etc.

 

          Q: Are any Thai (or other) insurers offering coverage that guarantees admission to private UK hospitals in the event of an accident/health emergency? 

 

TIA

          

[soi3eddie]

2 hours ago, yang123 said:

Q: Are any Thai (or other) insurers offering coverage that guarantees admission to private UK hospitals in the event of an accident/health emergency? 

 

Most, if not all, UK private hospitals, do not off accident or emergency service. It could be possible to transfer once health condition stabilised. 

 

[Yagoda]

On 1/17/2025 at 4:50 PM, Phillip9 said:

Travel insurance is basically a scam.  It's not well regulated and they try everything not to pay even if you have a valid claim.  Better to just save the money and self insure.

My travel insurance plan paid me almost 25K USD for my heart attack in Bangkok. That covered my entire bill.