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Travel Insurance for European Train Travel

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JustPassingBy

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17 Oct 2018
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Hello

In December I visited family in Vienna. We started from London, travelled by Eurostar to Amsterdam, spent a few days there and then intended to travel onward to Vienna by Nightjet. At 3pm on the day we intended to travel from Amsterdam to Vienna I got an SMS message and email informing me that all Nightjet services that night were cancelled due to heavy snow in Germany. I was unable to get through to OEBB by phone (unsurprising given the volume of cancelled trains). I needed to be in Vienna by lunchtime the next day so booked an overnight hotel at Schiphol and a flight the following morning. The flight was relatively expensive (nearly £250 per ticket) and I noticed later the last few seats on that flight were going to significantly more.

OEBB eventually refunded the train tickets (more than a month later) but refused any additional payout - claiming we made our own decision on where to stay/how to travel. Whilst strictly true, I find it a bit harsh given the difficulty in reaching anyone at OEBB that day.

On looking at travel insurance, I noted they had a term limiting any cover to train journeys that originated in the UK. From a quick look around, this seems to be pretty standard. It seems that I might have been able to argue the case if we'd not had a stopover in Amsterdam (not sure).

So my question is this... for future trips, is anyone aware of travel insurance that covers multi-stage trips like this?
Or trips where for example you fly outbound but travel by train back? We have a trip like this coming up soon (fly to Berlin, return via Nightjet and Eurostar).

Thanks
 
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stuu

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Joined
2 Sep 2011
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3,762
Your post has prompted me to check my travel insurance as I'm planning a trip later this year, it hadn't occurred to me that insurance may not cover that sort of trip. I have done them before and assumed that I was!

Looking at my terms and conditions, a journey such as Nightjet then Eurostar would be covered because it specifically says a journey towards your home area, and both of those clearly would be, but T&Cs vary of course. I'm going to phone my provider and check what they have to say though

A google search lists a number of providers who do offer backpacking/interrail cover which definitely would cover any sort of multi-stage trip
 
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