My husband and I are traveling together to Portugal, then I have to return home, and he is going to go to Italy to travel with family. Do travel insurance policies assume that the policy holders are traveling together for the whole trip? Should I purchase a separate policy for each of us (thus potentially needing to make 2 claims if we run into trouble on the Portugal leg), or a separate policy just for his travel to Italy? Anyone have experience with this, or difficulty making a claim with complex travel arrangements?
Posted by
Niagara, Ontario
1673 posts
Price it out separately. Emily, I do hope Hamburgshieds is your real surname.
Posted by
Sacramento, California U.S.A.
10585 posts
I think you will need to have separate policies. If you are wanting to cover costs of transportation, lodging, etc. you don't both need to have that coverage. I generally just look for a plan that will cover me for medical and anything related to that.
Posted by
New York, NY
4066 posts
Are you sure that your health insurance at home doesn't cover you when you travel? Ours does.
If it doesn't.....
I cannot stress this enough -- before you buy a travel insurance policy, get recommendations from others who have FILED claims from the very policy you want AND have received the insurance payout WITHOUT difficulty.
Getting recommendations about policies from those who have never filed a claim is not useful at all if you're looking for piece of mind which is the very point of travel insurance.
The insurance application typically asks how many are traveling together. Once you choose an insurance company, find out from them about coverage that includes you returning home before your husband.
Good luck! :-)
Posted by
Tresana, Highlands Ranch, CO, USA
23604 posts
Just to add another point to the above posting. You can only insure potential lost so be careful when determining what and how much your are covering. A good example is airline tickets -- you may non-refundable ticket but they can be changed for a fee and paying the difference. The fee and the difference is the only insurable part.