Trip insurance duration limits for Irish resident

Loman said:

I hope I am posting this in the right subject section.

My annual multi-trip travel insurance has a limit on the duration of any one trip of 45 days. Any claim must include evidence of departure and return dates and it will be disallowed if the trip exceeds the limit, even if the incident giving rise to the claim happens within that limit. This has just been confirmed to me on the insurers help line.

As a senior with less-than-perfect health, my rough plan for my CF starting 19/9 calls for 39 days walking plus 5 rest days and then staying on in Santiago over the following weekend. While 45 days is adequate for almost everyone, it’s likely to be just a little too short for me.

I have seen other policies that have a limit of only 30 days, which would be a bit short for many. So perhaps other forum members have encountered this problem and could offer opinions or, even better, leads to insurers with longer limits. I am aware of “Backpacker” policies but they have AGE limits, usually set at 45 years. I also know of insurers specialising in long term insurance but my quote for a 68 year old travelling to Spain for 50 days was €345!!!

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Loman said:

Sorry. Yes, it’s Ireland.

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Loman said:

Indeed, that is a huge benefit we EU citizens have. I was thinking more of items lost or damaged or arising from criminal incidents-as well as medical expenses.

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Loman said:

Whatever about my Hugo Boss tux , my phone alone is close to €1k to replace and the contents of my backpack, item by item, would be several €00 more. A new Osprey Exos for instance is €200

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Loman said:

about my Hugo Boss tux

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Loman said:

I hope I am posting this in the right subject section.

My annual multi-trip travel insurance has a limit on the duration of any one trip of 45 days. Any claim must include evidence of departure and return dates and it will be disallowed if the trip exceeds the limit, even if the incident giving rise to the claim happens within that limit. This has just been confirmed to me on the insurers help line.

As a senior with less-than-perfect health, my rough plan for my CF starting 19/9 calls for 39 days walking plus 5 rest days and then staying on in Santiago over the following weekend. While 45 days is adequate for almost everyone, it’s likely to be just a little too short for me.

I have seen other policies that have a limit of only 30 days, which would be a bit short for many. So perhaps other forum members have encountered this problem and could offer opinions or, even better, leads to insurers with longer limits. I am aware of “Backpacker” policies but they have AGE limits, usually set at 45 years. I also know of insurers specialising in long term insurance but my quote for a 68 year old travelling to Spain for 50 days was €345!!!

Click to expand...

Loman said:

I hope I am posting this in the right subject section.

My annual multi-trip travel insurance has a limit on the duration of any one trip of 45 days. Any claim must include evidence of departure and return dates and it will be disallowed if the trip exceeds the limit, even if the incident giving rise to the claim happens within that limit. This has just been confirmed to me on the insurers help line.

As a senior with less-than-perfect health, my rough plan for my CF starting 19/9 calls for 39 days walking plus 5 rest days and then staying on in Santiago over the following weekend. While 45 days is adequate for almost everyone, it’s likely to be just a little too short for me.

I have seen other policies that have a limit of only 30 days, which would be a bit short for many. So perhaps other forum members have encountered this problem and could offer opinions or, even better, leads to insurers with longer limits. I am aware of “Backpacker” policies but they have AGE limits, usually set at 45 years. I also know of insurers specialising in long term insurance but my quote for a 68 year old travelling to Spain for 50 days was €345!!!

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MikeyD said:

Didn’t realise I need special insurance for backpacking?

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Bradypus said:

You don't need special insurance for walking the Caminos. Not a hazardous activity for insurance purposes. Standard travel insurance with medical and repatriation cover should be adequate. Backpacker policies are a specialised form of travel insurance intended mostly for young people travelling for long periods at a time. Typically a few months up to a whole "gap year". Most travel insurance is geared towards shorter holidays of only a few weeks and becomes very expensive if extended for so long.

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MikeyD said:

I’m from the UK, travelling out on the 23rd September to Leon. I’m 72 on the 24th. Any recommendations for travel insurance. Didn’t realise I need special insurance for backpacking?

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TravellingMan22 said:

Also if you are away for a long period check what it means for your house and content

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Bradypus said:

You don't need special insurance for walking the Caminos. Not a hazardous activity for insurance purposes. Standard travel insurance with medical and repatriation cover should be adequate. Backpacker policies are a specialised form of travel insurance intended mostly for young people travelling for long periods at a time. Typically a few months up to a whole "gap year". Most travel insurance is geared towards shorter holidays of only a few weeks and becomes very expensive if extended for so long.

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