Travel Insurance
Thread Starter
Travel Insurance
A question on behalf of a friend (I said I might know some well-travelled people who could help). Said person has just discovered that they have had travel insurance for the last few years included in their bank account/cards, but somehow wasn't aware and on cursory reading it does seem the bank didn't shout about it and it could be missed. In the last few years the friend has had two separate events that would have qualified for cover under the policy, but it might well be that too much time has passed to make a claim(s). So, dear well travelled internet people, do any of you have experience in this situation ? Are there time limits ? I'm imagining that the insurance underwriters would baulk at any retrospective claims.
...also typically age limited...over 65 = SOL
N4790P
Here...
https://www.rewardscanada.ca/medicalinsurance.html
...but this Canada so other jurisdictions might vary...
Last edited by BlankBox; 30th Aug 2022 at 02:01.
A question on behalf of a friend (I said I might know some well-travelled people who could help). Said person has just discovered that they have had travel insurance for the last few years included in their bank account/cards, but somehow wasn't aware and on cursory reading it does seem the bank didn't shout about it and it could be missed. In the last few years the friend has had two separate events that would have qualified for cover under the policy, but it might well be that too much time has passed to make a claim(s). So, dear well travelled internet people, do any of you have experience in this situation ? Are there time limits ? I'm imagining that the insurance underwriters would baulk at any retrospective claims.
Every plan I have ever seen requires you to call them as soon as you are ill. (So they can make deals directly with the service providers at commercial rates.)
Thread Starter
AFAIK, most travel insurance covers you medically as well, in various territories around the world (depending on selection) and for flights/baggage/personal loss etc. The person i'm asking on behalf of is of the 'winging it' variety of personality and just accepted/was philosophical about the events they could have claimed on had they realised/known they were insured. Medically they were covered by the EHIC card within the EU. Sadly, now through a recurring medical condition and age, insurance is as good as impossible.
I used to have paid travel insurance with my bank account but I stopped that when covid struck and I could no longer fly anywhere.
I'm pretty sure that the T&C's include something along the lines of reporting any possible reason for a claim "as soon as possible", so if you discovered that you could have claimed for something a few months ago, but hadn't realised at the time, it would be sufficient to disqualify a claim
I'm pretty sure that the T&C's include something along the lines of reporting any possible reason for a claim "as soon as possible", so if you discovered that you could have claimed for something a few months ago, but hadn't realised at the time, it would be sufficient to disqualify a claim
AFAIK, most travel insurance covers you medically as well, in various territories around the world (depending on selection) and for flights/baggage/personal loss etc. The person i'm asking on behalf of is of the 'winging it' variety of personality and just accepted/was philosophical about the events they could have claimed on had they realised/known they were insured. Medically they were covered by the EHIC card within the EU. Sadly, now through a recurring medical condition and age, insurance is as good as impossible.
For interest, regarding the age limit for a bank's in-house travel insurance (including medical), the last time I looked Barclays' age limit was 80, or the younger person on a joint account reaching 80.
Jack
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We got the new cards in 2 weeks or less
