Nanner
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Post by Nanner on Jul 7, 2017 3:47:03 GMT
In particular, insurance against lost luggage. Do you get it?
DD is all in a tither about whether she needs it. She's going to London. When DH and I travel, we get trip cancellation, but not luggage insurance.
She wants me to "ask my board" if they feel it's necessary.
What do you think? Thanks!
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Post by mom on Jul 7, 2017 3:51:24 GMT
Nope. Don't ever get it.
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Post by freecharlie on Jul 7, 2017 4:13:00 GMT
Is she taking something super irreplaceable with her?
There is nothing in my luggage I can't replace.
In short, no
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Post by cmpeter on Jul 7, 2017 4:22:38 GMT
No, but I've never bought any type of trip insurance.
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Nanner
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Post by Nanner on Jul 7, 2017 4:23:01 GMT
Is she taking something super irreplaceable with her? There is nothing in my luggage I can't replace. In short, no Nothing super irreplaceable. I've told her I don't think she needs it. I think she can still get some reimbursement if they lose it |
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pridemom
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Post by pridemom on Jul 7, 2017 4:25:01 GMT
I get trip insurance to cover for illness/injury, inability to travel, lost luggage, etc. A policy won't cost much but will cover lost luggage, as well as other issues that could come up.
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milocat
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Post by milocat on Jul 7, 2017 4:27:57 GMT
No. We have a WestJet (airline) mastercard and it covers us for medical (which was the only thing I previously purchased).
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scrappinmama
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Post by scrappinmama on Jul 7, 2017 4:36:41 GMT
We get trip insurance and it covers lost luggage. I mostly get it to cover for medical and travel delays, but the lost luggage is also included. I use www.insuremytrip.com/. You put in the details and it will give you multiple insurance options and prices to choose from. I wouldn't travel overseas without travel insurance. |
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sueg
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Post by sueg on Jul 7, 2017 5:58:25 GMT
I don't travel without insurance - I have an annual policy that covers Medical, travel delays and luggage among other things.
If you lost your luggage, it is not just whether your things are replaceable - you have to replace them, and the airlines have low limits and not-fun rules about when and how much you can spend. What they give you immediately is practically nothing - an amenities pack, and a promise they won't keep about how soon you'll get your stuff back.
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Deleted
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Aug 18, 2025 21:07:41 GMT
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Post by Deleted on Jul 7, 2017 8:57:26 GMT
I always have travel insurance if I'm going overseas which covers cancellations, delay, lost luggage plus medical. Although we are covered for basic medical treatment in EU countries I still have extra medical overage that travel insurance covers.
She will need medical insurance over here. Our healthcare only covers UK & EU citizens on a reciprocol arrangement.Check whether her medical insurance covers her when she's abroad.
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Post by anniefb on Jul 7, 2017 8:59:01 GMT
I get travel insurance that covers medical as well as lost luggage, travel interruptions and lost or stolen documents. That's usually what all travel insurance covers here. I've never heard of luggage being excluded. It gives me peace of mind - the policy I usually get includes cover in case luggage is delayed for 12 hrs or more in which case there's up to $1000 per person to replace essential items.
I would always get comprehensive travel insurance for overseas travel.
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Post by birukitty on Jul 7, 2017 11:30:56 GMT
We get trip insurance and it covers lost luggage. I mostly get it to cover for medical and travel delays, but the lost luggage is also included. I use www.insuremytrip.com/. You put in the details and it will give you multiple insurance options and prices to choose from. I wouldn't travel overseas without travel insurance. That's what I used on my recent trip and found it a great website to use. I wouldn't travel overseas without it either. It wasn't very expensive and I traveled worry free with it. You just never know what can happen when you travel. Better safe than sorry I say. |
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wellway
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Post by wellway on Jul 7, 2017 11:43:14 GMT
We always get travel insurance, we have an annual plan for the family. I won't travel without it, too many horror stories of people being unwell overseas, needing to be medically repatriated and it costing a fortune.
Our plan not only covers overseas but travel within the UK too.
Lost luggage it only a small part of the reason we have travel insurance.
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wellway
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Post by wellway on Jul 7, 2017 11:52:50 GMT
Just think of it this way, get a policy with a good company and in the event of any issues she will have someone on hand who has dealt with every variation of travel problem, will have knowledge local to the country she is in and all the phone numbers, processes and procedures needed to smooth any situation she finds herself in, lost luggage, lost passport, medical issue, lost money etc. It would be peace of mind for you too.
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Post by paperaddictedpea on Jul 7, 2017 12:02:21 GMT
I always get travel insurance for any expensive vacations - mainly in case of unexpected cancellations or delays, but it covers lost luggage as well. It's not that expensive and worth it for peace of mind, in my opinion. I generally use Travel Guard.
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Post by lesley on Jul 7, 2017 12:12:34 GMT
I can't think why you would let her travel abroad without travel insurance.
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Post by gar on Jul 7, 2017 12:13:12 GMT
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Post by gar on Jul 7, 2017 12:14:06 GMT
I can't think why you would let her travel abroad without travel insurance. My thoughts too |
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Post by lesley on Jul 7, 2017 12:45:11 GMT
You obviously don't want to think about things that could go wrong, but that is the whole point of insurance. And it needn't be catastrophic. What if she were to get chickenpox the day before she is due to leave? She wouldn't be allowed to fly. If she gets it at home, she can obviously stay at home, (and you have no way to reclaim the cost of the trip), but if the spots showed up the day before she is due to leave London, where would she go? You would need to book extra nights in a hotel until the spots dried up, and then buy another flight home. Her suitcase could disappear for good in either direction. There go all the nice new clothes she bought for her trip. And try convincing the airline that her jeans were from Diesel and not Walmart. Do you know how much it would cost for her to be treated for dehydration due to vomiting and diarrhoea? Or if she broke her ankle? What about appendicitis? If someone pickpockets her bag, steals all her money, passport and phone, wouldn't you prefer if there was someone who could replace those items that wasn't you? And God forbid that something catastrophic did happen. How much would it cost to fly your DD's body home? My dad died on holiday in Bulgaria 32 years ago, while it was still a Communist country. The red tape for getting his body home was a nightmare, but thankfully the insurance company did it for us, and covered the £10,000 costs. Can you tell that travel insurance is something I feel strongly about?  |
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Nanner
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Post by Nanner on Jul 7, 2017 13:10:50 GMT
I always have travel insurance if I'm going overseas which covers cancellations, delay, lost luggage plus medical. Although we are covered for basic medical treatment in EU countries I still have extra medical overage that travel insurance covers. She will need medical insurance over here. Our healthcare only covers UK & EU citizens on a reciprocol arrangement.Check whether her medical insurance covers her when she's abroad. Yes, her medical insurance covers her while travelling abroad. She's there for 6 weeks doing research. |
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Nanner
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Post by Nanner on Jul 7, 2017 13:13:04 GMT
You obviously don't want to think about things that could go wrong, but that is the whole point of insurance. And it needn't be catastrophic. What if she were to get chickenpox the day before she is due to leave? She wouldn't be allowed to fly. If she gets it at home, she can obviously stay at home, (and you have no way to reclaim the cost of the trip), but if the spots showed up the day before she is due to leave London, where would she go? You would need to book extra nights in a hotel until the spots dried up, and then buy another flight home. Her suitcase could disappear for good in either direction. There go all the nice new clothes she bought for her trip. And try convincing the airline that her jeans were from Diesel and not Walmart. Do you know how much it would cost for her to be treated for dehydration due to vomiting and diarrhoea? Or if she broke her ankle? What about appendicitis? If someone pickpockets her bag, steals all her money, passport and phone, wouldn't you prefer if there was someone who could replace those items that wasn't you? And God forbid that something catastrophic did happen. How much would it cost to fly your DD's body home? My dad died on holiday in Bulgaria 32 years ago, while it was still a Communist country. The red tape for getting his body home was a nightmare, but thankfully the insurance company did it for us, and covered the £10,000 costs. Can you tell that travel insurance is something I feel strongly about? She has trip cancellation and medical insurance through her visa and her university insurance. It's only luggage insurance she doesn't have and is wondering about. It will cost her about $200 because from what she can see, she can't get it alone. She has to bundle it with cancellation insurance, which she doesn't have. |
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Nanner
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Post by Nanner on Jul 7, 2017 13:14:44 GMT
I can't think why you would let her travel abroad without travel insurance. My thoughts too As I said above, she has trip cancellation insurance and medical insurance. Luggage insurance is the only concern She's 30, so not a teenager living at home under our roof. Even so, I have told her that I am happy to pay for it. And I will. |
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Nanner
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Post by Nanner on Jul 7, 2017 13:17:08 GMT
We get trip insurance and it covers lost luggage. I mostly get it to cover for medical and travel delays, but the lost luggage is also included. I use www.insuremytrip.com/. You put in the details and it will give you multiple insurance options and prices to choose from. I wouldn't travel overseas without travel insurance. That's what I used on my recent trip and found it a great website to use. I wouldn't travel overseas without it either. It wasn't very expensive and I traveled worry free with it. You just never know what can happen when you travel. Better safe than sorry I say. Is it only for Americans? We're in Canada |
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Post by Darcy Collins on Jul 7, 2017 13:20:48 GMT
I never buy travel insurance. Actually that's not true - our package for the African safari included it. But normal overseas - nope. Our health insurance covers us internationally. On the one instance where we had to cancel a trip at the last minute due to a family member's death, the airlines and hotels were great about refunding - the hotel just straight refunded, United rolled into future travel with no change fees. The one time I'd consider it would be cruising as unforeseen travel delays could really screw you up - but otherwise i don't bother.
Lost luggage wouldn't ever be purchased as I never check bags.
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melanieg
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Post by melanieg on Jul 7, 2017 13:22:20 GMT
Baggage alone is super expensive. I always buy a non medical package which inch the baggage along with cancellation and interruption.
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Post by gar on Jul 7, 2017 13:23:16 GMT
She's 30, so not a teenager living at home under our roof. Even so, I have told her that I am happy to pay for it. And I will. Ah! That doesn't change my thoughts on insurance but I was imagining she was 17 or something. So she's got the different items of insurance separately rather than on one policy. |
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Post by Darcy Collins on Jul 7, 2017 13:25:25 GMT
You obviously don't want to think about things that could go wrong, but that is the whole point of insurance. And it needn't be catastrophic. What if she were to get chickenpox the day before she is due to leave? She wouldn't be allowed to fly. If she gets it at home, she can obviously stay at home, (and you have no way to reclaim the cost of the trip), but if the spots showed up the day before she is due to leave London, where would she go? You would need to book extra nights in a hotel until the spots dried up, and then buy another flight home. Her suitcase could disappear for good in either direction. There go all the nice new clothes she bought for her trip. And try convincing the airline that her jeans were from Diesel and not Walmart. Do you know how much it would cost for her to be treated for dehydration due to vomiting and diarrhoea? Or if she broke her ankle? What about appendicitis? If someone pickpockets her bag, steals all her money, passport and phone, wouldn't you prefer if there was someone who could replace those items that wasn't you? And God forbid that something catastrophic did happen. How much would it cost to fly your DD's body home? My dad died on holiday in Bulgaria 32 years ago, while it was still a Communist country. The red tape for getting his body home was a nightmare, but thankfully the insurance company did it for us, and covered the £10,000 costs. Can you tell that travel insurance is something I feel strongly about? She has trip cancellation and medical insurance through her visa and her university insurance. It's only luggage insurance she doesn't have and is wondering about. It will cost her about $200 because from what she can see, she can't get it alone. She has to bundle it with cancellation insurance, which she doesn't have. $200 just for lost luggage? Hell no - put anything expensive in her carryon. |
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Nanner
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Post by Nanner on Jul 7, 2017 13:43:13 GMT
Ok, so she spoke to them, and can get luggage alone for $115. It didn't show her that when she was looking online.
As I said, she has good medical and trip cancellation insurance while travelling abroad through her university plan. She's' already checked into that. So she doesn't have to worry about that. It covers her for 120 days, while getting online medical only covers up to a maximum of 30 days anyway. And she'll be gone for 45 days.
She will have her laptop in her laptop bag which she will use as her carry on. Because she's going for 6 weeks though, she's checking a larger bag. She tried to get everything she needed in her carry on suitcase, but couldn't do it. So she's checking one.
And finally, because she found out it's NOT going to cost her $200 (actually it was $240), she's getting just a lost luggage insurance policy.
Thanks for all of your responses! Much appreciated!
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Nanner
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Post by Nanner on Jul 7, 2017 13:48:53 GMT
Ah! That doesn't change my thoughts on insurance but I was imagining she was 17 or something. So she's got the different items of insurance separately rather than on one policy. Yes. medical and trip cancellation already, through her university insurance plan. (She's a phd student and also works at the university). Trust me, none of us travel out of the country without medical insurance. |
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Post by Darcy Collins on Jul 7, 2017 13:56:44 GMT
Did she use a cc to purchase the flight? You might double check if her card covers lost luggage. I was curious if my mileage cc offered any protection and discovered it covers lost luggage and actually trip cancellation insurance as well (!). So apparently I always travel with travel insurance and had no clue.
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