Banks Travel Insurance--Go/No go?

[andye]

I get free travel Insurance with my Nat West Advantage Gold Account.

Just wondered if I should trust them as a company for my Travel cover.........Or should I take out additional cover, with someone else.

My concerns are, I don't totaly think you get the best cover thru these types of Policies.Or do you?

Just wondered am I alone in my doub'ts.............and wondered if other Forum members are as un trusting as me.

I will be in Chiang mai for 3 weeks this July School Holidays with the stepson, visiting his mum.

andye.

[colin244]

Check the policy wording andye as most free travel cover with bank accounts are resticted to Euro/Med area's only not the worldwide cover you will need for LOS.

colin 244

[Gary & Nok]

I use my Worldwide Travel Insurance that I have with a Lloyds account.
To me the medical costs, theft/loss etc. all seem OK for what I need. It is my account there but Nok is also covered as my wife.
Maximum duration is 30 days so sometimes I have to up the days but this only costs me a few pounds to do.
Compared to some I have looked at it is not bad, but as Colin says check the wording.

[jimmbo60]

I have the Lloyds Premier account and Colin asked me to check something (can't remember what) but it checked out.

[colin244]

Territorial limits and maximum trip duration are the key bits jimmbo but also watch the activities as some travel policies exclude motorbikes and scuba never mind more dangerous activities

colin 244

[jimmbo60]

Its internationa.l I rememeber it was a long time I could be away, but I will check if it's max per year or trip, as I have got a few days under my belt. My work now doesn't ask when are you going next, instead asks how long are you here for.

[andye]

Nat west Quotes

With our 5 Star Defaqto rated UK and worldwide travel insurance, Advantage Gold customers – and their families – are automatically covered, all year round. Even winter sports cover is automatically included.

Cover includes:

Medical and emergency expenses – up to £10 million and hospital benefit up to £400 per person
Winter sports cover – with no need to register
Legal expenses – up to £50,000 and cancellation cover up to £5,000
Catastrophe cover – up to £500 per person if a disaster, such as fire, flood or avalanche, causes you to cancel or change your holiday
Recuperative holiday costs – up to £1,000 if you have made a claim for emergency medical expenses
Emergency medication – up to £250 towards the cost of essential medication that is lost or stolen on holiday – for a pre-existing medical condition we have agreed cover for.



So it apears that tthings are covered for a period up to 31 days..............worldwide.

For once they have actually saved me some money.

andye.

[Gary & Nok]

Exactly the (only) reason I have a Lloyds account. (would NOT recommend them otherwise).
It is cheaper for me to keep £2k in that bank (instead of paying the £12/month charge) and get zero interest on it but get the insurance (amongst others) benefits than it would be to put that money in a nice savings account and then pay for all the services I get.