Always check travel insurance small print for exclusions before purchasing
Travel insurance can be a life-saver for consumers when things go wrong when you plan a trip or holiday. In the past I have only had the need to claim twice on a travel insurance policy, once because I broke a bone in my foot whilst crossing a street in New York and the other being when I was in hospital and advised that on discharge I couldn’t fly for six months.
In both circumstances the claim was straight forward and simple, however, there were a few problems when it came to the small print. For example, when I was in New York I had a flight to catch to Florida and my insurers told me they would not pay for missed flights if I didn’t have a break. This meant I had to fly as I couldn’t afford to repay for the flights and missed hotels and car hire.
On arriving in Florida I checked into the hotel with my sister and my insurer told us which hospital we were to go to. A taxi was sent for me and even the driver questioned why we were not using the hospital a few miles from our hotel and instead taking a $50 taxi trip. When we claimed for the taxi trips we were told that we were only covered to get to the hospital and not the return leg, therefore we had to pay the $50.
So, when the BBC consumer programme, Rip Off Britain highlighted the above case it reminded me of my unpaid taxi ride. In this case the travel insurance didn’t cover the return leg and you can find out more by watching the above video.
When buying travel insurance you need to read the small print, especially if you buy a cheap policy or have a policy included with a credit card or bank account. Exemptions fro example could result in you only being covered for travel in Europe or lost luggage cover is only £250 with excesses of £150.