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Old 11.03.2020, 11:17
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Travel Insurance Recommendations

Hello,
can anyone recommend a provider for travel insurance which you have used and had good experience with?

(i.e. not one where you paid and never claimed).

I'm inherently distrustful of insurance companies, and as I tend to do things which are excluded (rock climbing, scuba diving, rallies, etc), looking for a good provider which I can talk to up front about my plans and activities...

Planning to do the himalaya rickshaw rally in July, so want to make sure I'm covered.

M.
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Old 11.03.2020, 14:22
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Re: Travel Insurance Recommendations

ERV: paid a few thousands for my claim about 10 years ago. Nothing wrong with the actual travellers but my father in law was hospitalized just before our planned departure. Wanted a lot of documents from us, especially to prove that his condition wasn't a pre-existing condition.



Axa (via UBS credit card supplementary insurance): paid a few hundred about 3 years ago for hotels and new flight tickets when my family had to change plans in the middle of the trip due to food poisoning. Very easy to deal with.



I switched from Axa to Zurich about 2 years ago as I was going on an expensive polar expedition and the $$ coverage of Axa would not be enough. Fortunately I did not have to make a claim, but they were very good with answering my queries and addressing my specific needs. But then again, I was speaking to their sales people...


I cancelled Zurich at the end of last year because everything I need is included in my supplementary health insurance. But I found out last night that this is actually outsourced to ERV... the difficult people mentioned above...
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Old 11.03.2020, 15:34
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Re: Travel Insurance Recommendations

Our health insurance has an option for worldwide coverage (subject to a few limitations and a monthly fee). I've never seen the need for anything other than that.
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Old 11.03.2020, 16:11
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Re: Travel Insurance Recommendations

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Our health insurance has an option for worldwide coverage (subject to a few limitations and a monthly fee). I've never seen the need for anything other than that.
Typically travel insurance also covers if you need to cancel your trip last minute for illnes, also for lost baggage or if the airline cancels on you, so it's beyond than just sickness

We used AXA for many years and were very happy, we claimed also and all was super easy and fast.
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Old 11.03.2020, 16:16
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Re: Travel Insurance Recommendations

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Typically travel insurance also covers if you need to cancel your trip last minute for illnes, also for lost baggage or if the airline cancels on you, so it's beyond than just sickness

We used AXA for many years and were very happy, we claimed also and all was super easy and fast.
This!

My concern is that the trip is planned for July, and Northern India hasn't been hit badly yet by COVID19.

I worry that either CH will be in lockdown, so i wont be able to leave, or India will be in lockdown, so wont be able to enter. India has already banned people who have been to Italy recently without a negative COVID test from entering...
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Old 11.03.2020, 16:29
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Re: Travel Insurance Recommendations

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This!

My concern is that the trip is planned for July, and Northern India hasn't been hit badly yet by COVID19.

I worry that either CH will be in lockdown, so i wont be able to leave, or India will be in lockdown, so wont be able to enter. India has already banned people who have been to Italy recently without a negative COVID test from entering...
Well, it may be too late. Will anyone insure against Coronavirus costs when it is a known threat?
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Old 11.03.2020, 17:00
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Re: Travel Insurance Recommendations

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Well, it may be too late. Will anyone insure against Coronavirus costs when it is a known threat?
AXA seems to provide cover if you fall ill with COVID19 thus cancelling your trip, but doesn't seem to cover your trip being cancelled if you cannot leave the country (or if the airline cancels)
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Old 11.03.2020, 17:20
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Re: Travel Insurance Recommendations

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This!

My concern is that the trip is planned for July, and Northern India hasn't been hit badly yet by COVID19.

I worry that either CH will be in lockdown, so i wont be able to leave, or India will be in lockdown, so wont be able to enter. India has already banned people who have been to Italy recently without a negative COVID test from entering...
You need to read the policy. Maybe I did some poor research but the policies I read will only cover your cancellation only if the Swiss govt. advises you against travelling to India. And the govt. has announced a couple of days ago that they won't list anymore countries because everywhere is anyway affected. So you cannot claim from insurance...

The other option is to check if your airticket is refunded by the airline if they cancel your flight.
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Old 11.03.2020, 17:45
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Re: Travel Insurance Recommendations

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You need to read the policy. Maybe I did some poor research but the policies I read will only cover your cancellation only if the Swiss govt. advises you against travelling to India. And the govt. has announced a couple of days ago that they won't list anymore countries because everywhere is anyway affected. So you cannot claim from insurance...

The other option is to check if your airticket is refunded by the airline if they cancel your flight.
I would expect the airline to refund the ticket under ABTA or similar... my concern is I've paid for an event that costs a couple thousand CHF in India... so if my flight tickets are cancelled, or I'm not allowed to leave Switzerland, or not allowed to enter India - I don't want to lose the money spent on the event. Oh and hotel bookings and whatnot.

Flights I wont get refunded anyhow from insurance as I'm planning to book with points (thank you Swiss card), they have a pretty good offer on business class return tickets atm.
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Old 11.03.2020, 18:27
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Re: Travel Insurance Recommendations

I see that the WHO has now confirmed that this is a pandemic. So now it depends on whether the travel insurer's definition of "the authorities" include the WHO and not only the Swiss Health Ministry.
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Old 11.03.2020, 21:42
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Re: Travel Insurance Recommendations

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This!

My concern is that the trip is planned for July, and Northern India hasn't been hit badly yet by COVID19.

I worry that either CH will be in lockdown, so i wont be able to leave, or India will be in lockdown, so wont be able to enter. India has already banned people who have been to Italy recently without a negative COVID test from entering...
I have just heard that India is shut down to all tourists. No visas will be issued.
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Old 11.03.2020, 21:56
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Re: Travel Insurance Recommendations

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I have just heard that India is shut down to all tourists. No visas will be issued.
Yes, and issued visas are temporarily suspended. Anybody entering India can expect to be quarantined for 14 days.
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Old 12.03.2020, 06:40
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Re: Travel Insurance Recommendations

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This!

My concern is that the trip is planned for July, and Northern India hasn't been hit badly yet by COVID19.

I worry that either CH will be in lockdown, so i wont be able to leave, or India will be in lockdown, so wont be able to enter. India has already banned people who have been to Italy recently without a negative COVID test from entering...
You will need to check the fineprint very carefully as it maybe that if you purchase now at time of "known event" then it will not cover. Which is why its always better (and part of the business model of insurers) that you buy insurance when you don't need it.
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Old 12.03.2020, 10:12
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Re: Travel Insurance Recommendations

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I have just heard that India is shut down to all tourists. No visas will be issued.
And no information provided to people who have lifetime visas to India. I would assume that part is fine, but then again, I would also assume the event to get cancelled as most people don't have an OCI card...
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