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Also worth noting that Travel Insurance is moving to Europe Assist, and they don’t allow you to postpone your trip, they have the standard reimburse if you need to cancel. I renewed in August, will likely wait for my next retention offer next year and then cancel.
I think the move to Europ Assistance is a particularly bad one – and I hadn’t realised there were negative changes to coverage. They are considerably less well regarded in the insurance circles I (tangentially) move in. Definitely not a change driven by anything other than cost reduction and not an insurer I would pick for a premium product.
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