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Travel, Car & health insurance cover

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  • 04-05-2014 3:31pm
    #1
    Fiskar
    Closed Accounts Posts: 1,599 ✭✭✭


    Hi all, Hoping those with experience of the USA can help with this query.

    Heading Stateside soon but need to sort out the travel insurance with health cover and the car insurance.

    Car Insurance - Is it best to take out the fully monty (Excess + CDW) or just excess only. Big price difference on the websites offering this.

    Travel Insurance with Health Cover, as we have no current private health insurance who is best to offer this? I presume health cover comes under the Travel Insurance?

    Many thanks in advance for the help.


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    #2
    coylemj
    Registered Users Posts: 25,445 ✭✭✭✭coylemj


    Fiskar wrote: »
    Travel Insurance with Health Cover, as we have no current private health insurance who is best to offer this? I presume health cover comes under the Travel Insurance?

    You'd need travel insurance anyway, even if you had local cover under VHI or Laya or whatever because medical bills in the US can quickly go well beyond the basic cover they give you when travelling. Virtually all travel insurance includes health cover, just make sure that you say upfront that you're going to the US and make sure the small print has a very large limit like 3 or 4 million dollars.

    Can't advise you on the car excess, I believe that's typically sold as a separate policy to regular travel insurance.


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    #3
    Dave1442397
    Registered Users Posts: 303 ✭✭Dave1442397


    Check with your credit card company for rental car insurance. A lot of cards here give you the same insurance coverage that you pay extra for at the rental agency. Selling insurance is how they make a lot of money :) If you are covered by your credit card issuer, decline the insurance at the counter. They will usually give you the hard sell, but if you're covered, you don't need it.


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    #4
    dave2pvd
    Registered Users Posts: 1,511 ✭✭✭dave2pvd


    Dave1442397 wrote: »
    Check with your credit card company for rental car insurance. A lot of cards here give you the same insurance coverage that you pay extra for at the rental agency. Selling insurance is how they make a lot of money :) If you are covered by your credit card issuer, decline the insurance at the counter. They will usually give you the hard sell, but if you're covered, you don't need it.

    Be careful! What credit cards will sometimes cover is secondary insurance, not primary. Secondary refers to the portion unpaid by a standard auto insurance policy. I think this is referred to as the 'excess' in Ireland? In the US, the term is deductible.

    Good article here: http://www.bankrate.com/finance/credit-cards/does-your-credit-card-insure-a-rental-car-1.aspx


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    #5
    Fiskar
    Closed Accounts Posts: 1,599 ✭✭✭Fiskar


    Tesco Bank in Ireland does not offer travel insurance, they are my CC provider.

    Car insurance, I may go through insurance 4 car hire with full CDW as I have not had a happy time with rentals picked up over the years.


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