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365 posts
66 reviews
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Hi if you dont purchase your insurance from the tour operator you booked with what company do you use and who do feel offers the best insurance.


West Country
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1. Re: Insurance

It really depends what you want from your insurance. By that I mean that cover differs in the amount it will pay out for say, lost baggage, or lost personal items and theres also any excess to be taken into account. Then you have to decide whether you will be doing any activities eg quad biking that won't be included under your basic policy.

I tend to use a price comparison website as costs change from day to day so theres no one company I could or would recommend.

Glasgow, United...
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2. Re: Insurance


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304 posts
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3. Re: Insurance

Some of them don't include scuba diving as a standard either which is what a lot of people go to Egypt for.

Hexham, United...
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4. Re: Insurance

just watch with internet sites i thought i got a really good deal lost baggage, delay medical cover ect but when i phoned to confirm price they told me that i was not covered for alot of things i.e if war broke out i was not covered to get me back, ash clouds ect so i went with virgin travel and got a week insurance for myself and 13 yr old daughter for £15 and it covered everything i needed. also you should insure from the day you book as even though the date on certificate if from the date of travel you are actually covered from the day get the insurance so if you became ill before travel and can no longer travel you are covered for cancelation.

please excuse punctuation and spelling on my phone

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859 posts
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5. Re: Insurance

Also if you are diving watch what depth you are insured to,only really you can decide which company as if you have any medical problems whats right for us may not be for yourselves.H.

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329 posts
31 reviews
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6. Re: Insurance

Heather198 - completely agree with you, my insurance comes with my bank account, after recently switching and just presumed it was the same cover as our other account and went diving last year with it in the Cannaries.

Brought it out of retirement for my upcoming trip to Sharm and actually read it....... only then did I notice it was for European cover and only 18 m down, very lucky I didn't need it. I've upgraded for next weeks trip :)

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1,426 posts
3 reviews
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7. Re: Insurance

Most insurance policies cover Egypt as part of European cover. I too have bank insurance and asked them if it covers Egypt and it does. The insurance I have just expired also only stated Europe or America etc. etc. and the Europe bit also covered Egypt. But I do agree you have to check.

Scotland, United...
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2,921 posts
103 reviews
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8. Re: Insurance

All I would say is check the small print especially when buying from tour operator as they do not normally ask any questions regarding previous claims and pre existing medical conditions.

My mum in law paid £400 for her insurance for a 2 week break to Sharm with a big tour operator and it wasn't until I checked the policy wording (no certificate or schedule given) that I pointed out they were not covered for anything.

I then had to call the medical screening line for the insurer to provide their medical history and pay additional premium to get them full cover. If the travel agent had asked them or drawn their attention to page 16 of the policy it would have been better, as they would have just went back to their old insurer and paid about £100 less! I wonder if they still get a commission for selling these policies?? Mmmm

Destination Expert
for Somerset, Solo Travel, Exmoor National Park
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25,821 posts
106 reviews
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9. Re: Insurance

if you take insurance with the holiday company you book with check whether you are covered for trips NOT organised by them.

When I got there the trip I had gone all that way for was cancelled.

I said ok I'll go with a local company they said their insurance didn't cover me (fortunately I had my own! :-)

Then the hotel reception wouldn't book the trip for me because I was with a tour group.

I have a series of checks I make from an old policy that was good then do an internet check, then ring to confirm that I would be covered for what I want......never buy in a hurry, they will negotiate the price down if you say you aren't buying straight away.

10. Re: Insurance

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