Health Insurance for long term travel

Discussion in 'Motorhome Insurance General Discussion' started by Originalsmoothie, Jul 10, 2016.

  1. Originalsmoothie

    Originalsmoothie Funster

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    We are going to be travelling in Europe for five months from November this year. Are there any insurers who will cover a trip of this length?

    A recent two week trip has prompted this enquiry. My fiance tripped and badly sprained her wrist. Fortunately, a trip to the local pharmacy for a wrist brace and lotions was enough to resolve the problem, but I don't know what we would have done if she had broken it. The accident was a timely prompt to sort out some decent medical cover for this coming winter.
     
  2. Boringfrog

    Boringfrog Funster

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  3. Originalsmoothie

    Originalsmoothie Funster

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    Thanks for that but there maximum cover appears to be for 90 days using their online quotation form. Am I missing something?
     
  4. Graham and Jane

    Graham and Jane Funster Life Member

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    Try staysure they do multi and annual.
     
  5. shawn&emma

    shawn&emma Funster

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  6. Originalsmoothie

    Originalsmoothie Funster

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  7. Brisey

    Brisey Funster Life Member

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    This is from their website which states no upper age limit.
    • Longstay Info
    • FAQs
    • Travel Tips & Advice
    Single Trip travel insurance is ideal for a wide range of holidays, whether you are heading abroad for a two week sunshine break or an action-packed adventure holiday!

    With this policy there is no upper age limit, over 100 activities available to be included and trips can be from as little as 3 days up to 365 giving you plenty of reasons to travel and live your life to the full.

    Cover includes cancellation, emergency medical expenses, personal possessions, legal expenses as well as gadget insurance options available.
     
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  8. vwalan

    vwalan Funster

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    most i know dont bother. just take ehic card . just remember you want a public ambulance and hospital . not a private one .
    even harder as you get older and have on going health things .
     
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  9. Lenny HB

    Lenny HB Funster

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    Can often work out cheaper to fly back for a day or two to keep in the time limit of your insurance. Check you motorhome policy as most will not let you leave the vehicle unattended for more than 36 hours without notifying them.
     
  10. Originalsmoothie

    Originalsmoothie Funster

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    The problem at the moment is that my fiance is from the USA, so I have to make extra sure that she is covered.
     
  11. Lenny HB

    Lenny HB Funster

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    Most UK insurances terms say that journey must start & end in the UK and policy needs to be in force traveling.
     
  12. Speve

    Speve Funster

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    You need to use single trip policy for more time we used them for our last trip of 5 months
     
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  13. jaygee

    jaygee Funster

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    EHIC card ok for treatment but , god forbid, should it be a long term problem and you need to return to UK whilst incapacitated you will not be covered. This is why you need additional insurance. Also 'annual policies' do not usually allow travel longer than 30/60 days which is why you need to look for 'Long stay' insurance.
    As an example there was a gent staying where we are in Spain that had a severe stroke and was treated in hospital - they have now said his emergency care is finished and he has to leave the hospital and either pay for a private convalescent hospital or fly home with specialist care - both mega expensive!
     
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  14. pyro

    pyro Funster

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    Interesting thread. On Portugal, we usually go private, and at 20 euros a consultation, it isn't breaking the bank. EHIC card merely puts you into the local queue, with private appointments you jump that process.

    My wife recently had an emergency (massive infection on her ear) and we were told by the dr (on phone) to get a specialist ENT hospital consultant to look at it. The whole process from start to finish took less than 3 hours and cost us 35 euros. Again, hardly breaking the bank, even at today's exchange rates.

    EHIC took care of prescription costs, which shames our charges in the UK. The pharmacist charged 72 cents for 5 items

    As you will be travelling, probably best to take out a long term policy. Especially with the Spanish, who appear to exploit the Brits
     
  15. sedge

    sedge Funster

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    Well indeed - certainly as we age, if not before, strokes are something we might all have happen.

    Of course when you use the EHIC abroad, the NHS is billed - so even though you did not need to put your hand in your wallet and extract any dosh - 'we' still end up paying for the drugs ! Likewise - we bill other EHIC countries for any NHS treatment and drugs needed by their nationals.

    Has the Spanish exploiting the Brits been a recent thing? I hurt my knee in Majorca some years ago and didn't think to take my insurance policy to the clinic with me - we were told which clinic by the local doc in resort, after asking who our insurer was - he just looked it up on a list. I assumed we'd pay, and then reclaim it which we did, but we needn't have done. Local doc €5

    An examination, an X-ray, knee full of blood and swollen like a balloon, removal of 1.5L of it with a horse syringe, needle inserted along the bones (ee-ukkkk) - instant relief! and trussed up from foot to thigh with a TIGHT mile of wide elastic bandage, issued with a pair of elbow crutches, Byee! - €130 plus €17 for the crutches.

    He was emptying the blood into a 2L plastic measuring jug on the side as the syringe filled (it screwed on to the needle) and about halfway through he lifts it to show it me (thanks, I can see it mate) points to it and says in a very grave voice 'Sangre!' - well blow me down with a feather - whoever could have guessed that was what it was!! As it was my Spanish ain't that brilliant so he got a terse 'Si senor' (and now bloody well get on with it please went through my head) Happy chappy, he was whistling a tune as he worked ...... LOL
     
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  16. jumartoo

    jumartoo Funster

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  17. pyro

    pyro Funster

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    My only two experiences (non personal) have been dreadful. One is the daughter of a client who was on a bucket list holiday (inoperable cancer) and taken ill in Spain, fed false hope to get her into private hospital in Mardid, had £25k's worth of surgery (against advice of Marsden experts, who later said that surgery was dreadful and exacerbated her condition) and ended up being detained in hospital whilst private additional funding was arranged. A further £20k to shorten her life.

    The other came about as a result of a friend who suffered an RTA. They gave basics at A&E and then referred him to a private hospital after they established he was a foreigner. Cost him £7k to get out, as they wouldn't deal directly with his insurers (he did get the bills repaid after a long struggle with them)

    Doesn't mean everyone is on the make, but I only have two experiences to quote, and I accept neither are first hand. My advice to get insurance if travelling stands
     
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  18. RanC

    RanC Funster

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    Experience in Florida ( no MH connection ). Felt unwell with friends whilst out having dinner. Severe pins and needles in hands and feet. Collapsed in the night, rang friends in the morning, took me straight to Celebration Hospital, Kissimmee on the Tuesday morning. Admitted and started with every test imaginable,2 days later Thanksgiving Day. Second Lumbar puncture revealed Guillain Barre Syndrome. Straight to ICU, paralysed from the waist down.Blood taken 4 hour hourly for first 3 days. Max morphine permitted and then some paracetamol. Commenced treatment with some plasma, designed for my blood group etc. Cost was $28,000 a bag, and had 7 of them. Insurance company flew Pauline out, a nurse and a DR from UK, returned Business Class BA and private ambulance to Norfolk and Norwich Hospital, another 2 weeks. After which could walk 10 paces with a zimmer to the loo. Good enough to be discharged on Christmas Eve. Dodgy walking for 6 months, 4 years on still can't walk more than 2 miles. GBS effects 3 in 100,000, comes from stress, or viral infection, as in undercooked chicken etc. Every Dr seen and there were many, asked had I had a Flu jab as this is also a known trigger. Discovered by 2 French Drs in the 1st WW. Estimated total cost $300,000. All coverd by the Barclays Bank scheme. The staff at the insurance company that Barclays under wrote were faultless in all travel arrangements and treatment.Will never ever, travel without insurance.
     
  19. ianthebuilder

    ianthebuilder Funster

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    Ok,, I left the uk last December and was not looking to hurry back, but I did take a policy with virgin travel,, six/6 months for £150 , they only do six months max I was informed, but it was a good policy! Hope it helps! X
     
  20. mojo

    mojo Funster

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    We have used a backpackers policy for long term travels
     
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