Travel insurance suggestions for separate PNR flight bookings to Europe?

[MarthaWolf]

Hi there, am flying to Singapore on FF points then onwards to France/Spain on a separate booking/airline - have cover from Allianz via Citibank Plat card used to pay for (business) SIN-CDG-BCN flights. Just wondering if anyone has preferred cover specifically in case of missed connections with multiple PNRs?

 

[tdimdad]

All travel insurances are the same in this regard: you need to check the policy detail for travel disruptions. Pretty much all of them cover missed connections but with different details included. They don't really depend on how you've arranged you ticketing but some do spell out expectations on the duration of your connections and how much the incoming flight needs to be delayed for the cover to apply. One that comes to mind immediately is minimum 4 hours in between the flights and the incoming delay needs to be >90 mins to be eligible for cover.

Though, already for your own peace of mind and certainty, it'll be good if you left a day between the connections just in case your first flight AU-SG is cancelled and you're rebooked for next day (or the original flight is heavily delayed).

 

[MarthaWolf]

One that comes to mind immediately

Which one? Which ‘some’? Thank you and well aware of all the rest of it, just after anyone’s recommendations, especially if they’d had to claim for J class. Won’t be spending a day in SG but more than 4hr stop on the way over at least, less concerned about return.

 

[tdimdad]

You may already be covered by your existing travel insurance.

This is how CoverMore has worded their policy (section 11, page 40):
"If within 72 hours of Your scheduled departure time, Your prepaid, scheduled transport or cruise is cancelled, delayed or rescheduled which means You won’t make it in time to get Your pre-booked connection, We will pay:
• the Additional public transport and accommodation costs You incur to arrive in time to catch the pre-booked connection or to catch up with Your scheduled itinerary (if You are unable to arrive in time), less any refunds or credits from the scheduled transport or cruise provider. This includes flights and transport to the next port of Your cruise and any accommodation costs;"...

Whether you rely on your CC's complimentary insurance or want to take out an additional one really depends on your own preferences. I have a comprehensive policy in addition to the CC insurance because the CC is quite limited but I want to be covered for certain potentially expensive events (e.g. high medical fees, a family member attending the local hospital, medical evacuation / transfers, etc). So far, I've been lucky enough to not need to (or care to) claim through TI (knocking wood) so no experience if a specific company performs particularly well or not.

 

[MEL_Traveller]

All travel insurances are the same in this regard: you need to check the policy detail for travel disruptions. Pretty much all of them cover missed connections but with different details included. They don't really depend on how you've arranged you ticketing but some do spell out expectations on the duration of your connections and how much the incoming flight needs to be delayed for the cover to apply. One that comes to mind immediately is minimum 4 hours in between the flights and the incoming delay needs to be >90 mins to be eligible for cover.

Though, already for your own peace of mind and certainty, it'll be good if you left a day between the connections just in case your first flight AU-SG is cancelled and you're rebooked for next day (or the original flight is heavily delayed).

I think it’s actually the opposite!

Most travel insurance companies *DON’T* cover missed connections! At least in terms of providing onward travel. (Most will cover a delay for food and accommodation.)

The exception is that most will cover alternative arrangements for important events, that you cannot miss… for example you are a keynote speaker at a conference. (Don’t know how many times they’re had to pay out on that one!) But it’s rare to find a policy that essentially covers a late inbound form of transport.

Covermore is one, I think Worldnomads is another. And there might be one or two more. But it’s the exception rather than the norm.

Always read the PDS!