Planning a trip to 2 countries. Want to buy travel insurance for the leg of the trip taking place in the second country, after the first.
As far as I understand, this should be fine, I specify the dates of the trip to the insurance company from the day I arrive in the 2nd country to the day I leave it and if need be I’ll be able provide proof that I was there (boarding passes, tickets, passport stamps) if needing to make a claim. I’d also buy the insurance prior to leaving my home country, which I know is important. It all sounds theoretically fine but I’m just worried there’s going to be some unexpected gotcha in doing this.
Obviously this will depend on the fine print of my specific chosen insurance and I’m reading through all 100+ pages of it, but nevertheless the ability for this to somehow contravene something in a counterintuitive or unexpected manner even if I don’t see it explicitly spelled out worries me given how tricky insurance companies can be and I wondered if this was something generally known to be a problem.
UPDATE: called the insurance company I was considering. They said there was no problem with this, as long as I bought the insurance prior to leaving my home country, which was always the plan anyway. Otherwise, it doesn’t matter if the ‘journey’ as they define it begins after departing from a different country to my home country.
I can’t see why not but I feel you should ask the insurer rather than us. Policies really vary and some have odd systems.
Should also mention, compare your trip insurance to annual. I went to the US earlier in the year and it was like £2 more to do a year of travel insurance than the US trip alone. Obviously travel insurance is more there than most places but it’s worth looking at.
STAY AWAY from Generali travel insurance. I just went through hell with them filing a claim. Customer service is non-existent, their phone number sends you in circles and you can never speak to an actual person, their website is slow and broken most of the time. You’re better off paying extra on tickets that are fully refundable instead of paying for travel insurance if your only option is to go through Generali.
