Personal travel insurance when abroad, do you bother or not?

Discussion in 'Continental Touring' started by shawn&emma, Oct 29, 2015.

  1. shawn&emma

    shawn&emma Funster

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    Just sorting the last few bits out before we head across the water for a few months. Previous trips we had taken out a 'Backpackers' insurance which covered us for the 5 months away at one time.
    Im just talking personal cover, not vehicle/breakdown cover.

    What would we need cover for, we've got our medical cards and don't want all the lost baggage delayed flight stuff.

    Just after some views as to what others do, or don't do when abroad for several months

    Shawn.
     
  2. Robert Clark

    Robert Clark Funster Life Member

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    Yes!
    In particular medical cover
    We'd never travel anywhere without travel insurance. Even in Europe, because if you had an accident you'd want bringing home
     
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  3. Forestboy

    Forestboy Funster Life Member

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    Yeah always have insurance and needed it on a couple of occasions.
     
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  4. Judge Mental

    Judge Mental Funster Deceased RIP

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    at your age silly not to.....
     
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  5. Oriel

    Oriel

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    Yes, I would say that you do need it.

    Someone skied into the back of me 2 years ago and I sustained a complicated fracture to my arm. The bill ran into thousands - thankfully I was fully insured. You might not be ski-ing but there's still other ways you can injure yourself.
     
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  6. mike mcglynn

    mike mcglynn Funster Life Member

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    Friends of ours went to America to Disneyworld and whilst there sadly the dad was taken ill and later died, the medical procedures that were carried out to try to keep him alive cost over 80thousand and bills were coming in up to 2 years later . Would you take that chance without insurance ?
     
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  7. scousebird

    scousebird Funster

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    A multi trip year long policy.
     
  8. denisejoe

    denisejoe Funster Life Member

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    Multi trip annual policy won't usually cover you for more than a few weeks, as far as I know. Mine is certainly only 30 days.

    Will need to look around next year for something which will cover us for longer once Joe retires. Anyone any idea who's does a good policy for longer trips?

    Denise
     
  9. Taran_Las

    Taran_Las Funster

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    Mine covers me for 90 days per trip. (Insure & Go. Gold cover under 66 years of age.)

    From their blurb:

    Annual multi-trip policies
    This gives you cover to travel as many times as you like during
    any one period of insurance, as long as no single trip lasts longer
    than 45 days (31 days if you are aged 66 or over). Under the
    Gold cover option the maximum length of a single trip is
    increased to 90 days if you are aged under 66. We also provide
    cover for up to 17 days for winter sports during the term of your
    policy (or 24 days if you have arranged Gold cover).
     
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  10. Dave and Ginny

    Dave and Ginny Funster

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    I had a good look about earlier this year and we're using these folk for our next three month trip.

    www.travelinsurance.co.uk

    They came with a few recommendations from earlier threads I came across. I like the way you can select what you want or don't want and we got a good price even though one of us had to declare a medical condition.
     
  11. mariner

    mariner Funster Life Member

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    No, haven't bothered for years!

    Mainly because 6 months away is not covered or the premiums are a joke!


    :cooler:
     
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  12. makems

    makems Funster Life Member

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    I have used Insure&go and although their standard policy is 90 days if you ask them they will extend for an addional premium. I've done it for the last couple of years.
     
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  13. Jonkil

    Jonkil Funster

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    EHIC
    +1 for separate cover.... Not cheap though..... until you need it that is.... Then it's invaluable.
     
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  14. chaser

    chaser Funster

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    And make sure it is still valid if you have not got a return ticket booked, most aren't!
     
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  15. chaser

    chaser Funster

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  16. Jonkil

    Jonkil Funster

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    Thank you.... Now there's something I was now aware of and we only ever book 1 way.
    Need to clarify with my insurers.
     
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  17. Reallyretired

    Reallyretired Funster

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    Swmbo insists. The return date is a pain though as I much prefer to book one way only. Used the tunnel insurance ladt time, as has no exclusions.
     
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  18. mickyc

    mickyc Read Only Funster

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    You should be aware that most European policies require you to use a hospital that is equivalent to an NHS hospital and you have to present your EHIC card.

    The policy will then allow you to claim the non EHIC balance, I had 3 day in a French hospital and the payment totalled €80 (exrays, scan, operation, drugs, food etc) I had to be transferred by ambulance to another hospital which cost a further €80

    So even with a stay in hospital, the claim was less than the premium.

    Having said that, we ski which could result in mountain rescue etc (very expensive) and in the event of a required repatriation the bill would be thousands, so for those reasons we'll continue to have insurance.
     
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  19. SteveandSue

    SteveandSue Funster

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    We take our EHIC cards and take a calculated risk that this will cover us for most eventualities - We expect to pay for anything other than emergency treatment. Main thing for us is good and unlimited time European wide breakdown/accident insurance cover as this is the most likely to be needed.
    Exception is winter sports insurance which we have needed (oooops!!!!)
    We travel mostly in Scandinavia so calculate our risk based on this - If we were going to Morroco or Romania for instance then we would re asses the risk.
     
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  20. denisejoe

    denisejoe Funster Life Member

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    Thanks everyone.

    Denise
     
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