Travel insurance

For help finding/discussion about good insurance rates.

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Travel insurance

Postby GeoffSmith » Mon 20.03.2017, 23:05

Having informed my free-with-my-bank-account travel insurers (AXA via Lloyds) about my heart attack, I am no longer covered for any future heart problems and they won't quote me for cover. We will only be travelling to Spain and if the worst happens, I'll just recuperate at our villa as we're both retired, so I only really wanted to put my wife's mind at rest and cover the very unlikely scenario of repatriation. Ignoring the fact that the blood pressure/anticoagulant/statin medication make it less likely that I have an event now, I have spent most of the day filling in online questionnaires, ringing around answering the same questions and getting similar answers: You can't have a subset of the one-size-fits-all policy, annual cover is declined or ridiculously expensive (£500-£1000) and 3 weeks cover is £200+. I eventually came across some names I had not heard of before on a Which site and I've managed to get annual cover with Blue Bear for just over £100.

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Re: Travel insurance

Postby lotusflasherman » Tue 21.03.2017, 04:58

Geoff,
I reckon Travel Insurance is one of the biggest scams going. OK if you're going to Bangkok but not needed for Europe where reciprocal heath care exists.
Have a hunt around here for what our European Health Insurance Card already provides free of charge ...www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx

Pop up window "What is and isn't covered by EHIC" says ..

Each country's health system is different and might not include all the things you would expect to get free of charge from the NHS. This means you may have to make a patient contribution to the cost of your care. For more information, see our county-by-country guide.

Not covered

The EHIC is not an alternative to travel insurance. It will not cover any private medical healthcare or costs, such as mountain rescue in ski resorts, being flown back to the UK, treatment on cruises or lost or stolen property. This makes it important to have both an EHIC and a valid private travel insurance policy. Some insurers now insist you hold an EHIC, and many will waive the excess if you have one.
The EHIC will not cover your medical expenses if you are going abroad specifically to have treatment (including giving birth). Read more about planned treatment abroad.
You may not be able to use the card in some parts of the EEA, as state-provided healthcare may not be available.

Covered

The card provides you with the right to access state-provided healthcare on temporary stays at a reduced cost or, in many cases, for free. This includes treatment of a chronic or pre-existing medical condition that becomes necessary during your visit.
It includes routine maternity care (not only because of illness or an accident), as long as you're not going abroad to give birth. However, if the birth happens unexpectedly, the EHIC will cover the cost of all medical treatment for mother and baby linked to the birth.
The EHIC covers the provision of oxygen and kidney dialysis, although you will have to arrange and pre-book these treatments before you go on holiday. You can ask your GP or hospital for advice, but make sure you are not booked with a private healthcare provider, as these are not covered by the EHIC.
The card also covers routine medical care for people with pre-existing conditions that need monitoring.


Also information here ...https://www.gov.uk/working-abroad/healthcare-and-insurance
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Re: Travel insurance

Postby Dave Eds » Tue 21.03.2017, 07:07

Have you got breakdown cover?

Make sure it has the homestart and get you home options. Sarah can just shovel you into the car and call them to sort it while she goes back to the sunlounger.

Job done :-D

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Re: Travel insurance

Postby Saltire » Tue 21.03.2017, 08:34

Geoff

I've had similar problems in he past, having had epilepsy as a child. Glad you're sorted now, but I've always had much better results by going through a broker who specialises in travel insurance - there are one or two.

I think the challenge for both of us will be when we're over 75 and still looking; the insurers seem even less keen to cover you at that age :(
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Re: Travel insurance

Postby dapinky » Tue 21.03.2017, 09:43

The policy that I have (carried over from one I got as part of a Group Insurance scheme when i was working) gives full cover up to age 70, and icluded pre-existing conditions. A real bargain at £12 a month (also includes full European breakdown/recovery, so Spuds idea can still work!!) + life/critical illness cover for both me and Angie.

However, once I become 70, it'll no doubt get expensive to replace - hence doing all of my 'long-distance' travelling now.

Just before Christmas my brother was hospitalised in Spain with pneumonia - the EHIC covered the hospital stay, but he couldn't fly home (for 10 weeks) and his travel insurance were not forthcoming, claiming that it was as a result of pre-existing COPD (which they later rescinded and paid up his expences) - in the meantime, they had to get home from Spain overland at their own expense - trains, hotels, ferry and me collecting them from Plymouth docks....... a right old palaver.
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Re: Travel insurance

Postby GeoffSmith » Tue 21.03.2017, 09:54

Yeah, I thought about Steve when I was considering whether to or not Dave. My cardiologist has confirmed that the Spanish teams on he Costa Blanca are good, so my plan would be to sit by the pool and recuperate after such an event. Sarah's obviously got jobs lined up for me in the UK (like new hoses on the Elan) so a £100 safety net is worth the peace of mind.
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Re: Travel insurance

Postby clemo » Tue 21.03.2017, 10:12

I'm sorry i cannot offer any advise but it as interesting read .
My mother had pneumonia in Alicante at the beginning of the year , Flybe were good enough to change both flights ( Mum & Dad ) after she made a typical rant inappropriately placed on their facebook page .

As for the picture of the lady in the wheelchair there is hope for pinky yet . That is at Siem Reap ( Cambodia ) where me and him will be on the 7th 8th 9th . He has a nasty habit of injuring himself whenever we go moped'ing around the world .

Is sangria not the answer Geoff ?
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Re: Travel insurance

Postby rip » Tue 21.03.2017, 10:22

lotusflasherman wrote:I reckon Travel Insurance is one of the biggest scams going. OK if you're going to Bangkok but not needed for Europe where reciprocal heath care exists.

I had better make sure I'm covered since I'll be in Bangkok in a few weeks' time.
A friend of mine got food poisoning in Thailand a while back. He flaked out while in the bathroom & cracked his head on the bath, so you never know when you may need the cover.
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Re: Travel insurance

Postby muley » Tue 21.03.2017, 20:12

Yes, travel insurance is a problem for us. 3 month trips to NZ... Premiums are a little lower because the state covers all accident-related problems. Age is the main problem..

BIL had a massive claim last year (broke a hip in Argentina, got kicked off a cruise) Loss adjusters tried every trick to avoid paying, but fortunately he had declared ALL his health issues so they paid most of the £25K and got an ambulance from plane to home in the U.K.
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