Travel Insurance

Discussion in 'Motorhome Insurance General Discussion' started by Coolbeanz, Apr 12, 2014.

  1. Coolbeanz

    Coolbeanz Funster

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    The only thing left to sort before we head off to Europe on 10th May is travel insurance for longtermers. I am assuming I will need to get a "backpackers" type policy. Does anyone have any recommendations please? Any experience of good or bad companies would be welcome. :BigGrin:
     
  2. vwalan

    vwalan Funster

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    most long termers dont bother with travel insurance . use the ehi card use hospitals that arent private . i travel for up to 6months most ears dont hardly know anyone that as it . save the money and enjoy life.
     
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  3. Coolbeanz

    Coolbeanz Funster

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    but would we be covered if one of us was unfortunate enough to become seriously ill and needed to be flown back home? Do you know if the EHI card covers that?
     
  4. Puddleduck

    Puddleduck Funster

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    EHI does not cover repatriation. It gives you the same rights / benefits that the inhabitants of the country you are in receive.

    A lot depends on your personally acceptable level of risk.
     
  5. Coolbeanz

    Coolbeanz Funster

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    Having received 3 lots of bad news in the last 2 weeks alone then I guess I would be better to get myself some cover. I have realised that life has a habit of throwing curved balls when you least expect it so for the sake of approximately £190 a year its a no brainer I suppose. My friend's 17 year old son died last week from a brain haemorrhage, my work colleague has just been diagnosed with terminal cancer at the age of 51 and my dearest friend has been battling cancer for 9 years and it has now returned. I think I would rather have a policy and not need it than need it and not have it. :Smile:
     
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  6. vwalan

    vwalan Funster

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    no ,it doesnt cover it. but why would you want to be b. there are hospitals worldwide.
    uk isnt the only place with them .
    i know lots that have opps in maroc as they do a good job.
    mind their hospitals are equal if not better than ours . even in some asian hospitals its very good .
    try and get health cover for a trip to india by road or a round trip of africa . you soon give in and just take to the road. if it happens it does .
    i have charcot marie tooth disease and throat cancer , try getting cover with those two .
     
    Last edited: Apr 12, 2014
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  7. Puddleduck

    Puddleduck Funster

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    I couldn't get health insurance last year as I was waiting for surgery. The specialist said "it's only for a month so just go, you know what to do if you get ill better than most doctors, take an emergency pack, the sun will do you the world of good." I went and really enjoyed myself - had one day when I was really tired, used one of the vials from the emergency pack, and just spent the day sleeping and chilling and using room service. Better than being 'ick at home! I was a lot better the next day but just took things easy.

    I would prefer to have repatriation insurance but wouldn't panic if I was hospitalised in foreign parts, after all the NHS send folk to Europe for some things. You can't predict the future so enjoy the now or you will regret the things you haven't done because of "what if".
     
    Last edited: Apr 12, 2014
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  8. sedge

    sedge Funster

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    My company suddenly want an extra £350 to cover me for all the things I've had for years and years and they already knew about.

    I can't find any cover that isn't very limited in terms of length of trip or which bits of me they will cover. It's no help to do it without these pre-existing because if someone said eg of course her diabetes etc made it more complicated, they wouldn't cover me for eg a broken leg - see what I mean?

    I concluded, if it was going to cost way over £1,000 annually for the privilege, we'd just have to cross that bridge at the time and if we had to liquidise some assets to pay for getting one of us back, then so be it.

    I think it's more expensive to bring you back in an air ambulance than in the hold in a box sort of thing; in which case if it's bad perhaps it would be cheaper if it's really bad? :Sad: And you have the consolation that you were enjoying your holiday at the time!

    If it's something routine like a break or appendicitis, then EHIC rules.
     
  9. Coolbeanz

    Coolbeanz Funster

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    The quotes I have had are only around £190 for a year's cover for both of us so it seems quite cheap to me. I just wondered if anyone has tried to claim and their insurer played hard to get.
     
  10. sedge

    sedge Funster

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    I've had to claim - once for a lost watch and twice medical. First time I hurt my leg in Majorca, second time I ran out of insulin in Australia.

    What happened was, I went to the loo in Heathrow and though I don't usually do any such thing, for some reason decided to do my jab in the cubicle. Nice big loo roll holder to put all my stuff on.

    Some hours later, when lunch came round the lady next to me got out her Novorapid pen and gave herself a jab. I chuckled, grinned at her and reached in my bag ... yes, I'd left all my stuff on top of the loo roll holder!

    All the spares were in the hand luggage so Pete had to get it out. When we got to Oz I had to go to the docs, get a scrip and go to the pharmacy.

    The claims chap didn't really understand it, he thought it should come under the 'baggage' section cos it was lost baggage. Hang on says I - this is medicine, without which I would probably have DIED. Now can you put it under the Medical Expenses section please?

    He did and paid it!

    On both occasions we paid on plastic and just claimed reimbursement when we got home. In the case of the clinic in Palma, with my leg, if I had had my insurance policy with me when I got there, they would have sent the bill direct to insurers and I would not have had to part with a penny piece.

    The doctor in the resort had looked on a list in his drawer and sent me to the clinic that insurer dealt with. It was very very easy!
     
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  11. chaser

    chaser Funster

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    We both have staysure, it's around £60 each with one or two exceptions , but as for getting back , don't see any problem as unless both of you are Ill together, with a motorhome one of you can drive the other home, not as bad as being on holiday somewhere , package tour or cruise or something, at least you have wheels, but thought for £120 it's well worth it.
     
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  12. Welsh girl

    Welsh girl Funster Life Member

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    We bought travel insurance for our 7 month trip around Europe.
    We used staysure, we found them best on price.
    We haven't used it with 3 weeks to go till we get back but still feel peace of mind.
    We know we would get NHS (similar) in each country but we are worried about repatriation.
    With the EHIC cards, the cards plus passport must be on your person to be able to claim free cost I read somewhere.
    We don't carry our passports everywhere only the cards so presumably wouldn't be covered if not travel insurance covered ?
     
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  13. SUGGY

    SUGGY Funster Life Member

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    We are with American Express , just gone up from £137 from to £247 , 40days out of the uk,
    Going up to around £600 for 60 days and £900 for 120 days cover ,

    i phoned to ask why and was told you are now over 60 , i said i was last year and the reply was er yes we missed that so you got a cheep year :Rofl1:

    One of the reasons i used them was they have offices in marakech and cassablanca :Smile:

    I have spoken to a few people who have gone for Safesure also through the C&CC ,


    It would be great if members would put " approximate " ages and prices on their posts for us to get an idea of what people are paying ,
    also the number of days out of the UK they are allowed and how many times per year
     
    Last edited: Apr 13, 2014
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  14. vwalan

    vwalan Funster

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    hi. in most of europe its an offence not to be carrying your id card or passport. shame uk dont have id cards.
    going swimming or having a bath they let you off of course. ha ha .
    but beware it can cause problems if you arent carrying your passport.
     
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  15. chaser

    chaser Funster

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    We are 67and 62, mine was £39 last year at 65 but nearly doubled this year at 66 with no other changes, but they did say it stays the same to 70
    Hth:thumb:
     
  16. Coolbeanz

    Coolbeanz Funster

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    Looks like I'll be giving staysure a try! :thumb:
     
  17. scotjimland

    scotjimland Funster Life Member

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    I agree with Alan..


    If you are fulltime as we were ..home is where you are parked. Being repatriated would have been that last thing we wanted..

    3 years on the road with two kids in tow and didn't take out insurance.. In that time had several visits to doctors and dentists in France and Spain with better service than you get in the UK:thumb:

    If however being repatriated is important, then take out insurance..
     
  18. bobandjanie

    bobandjanie Funster Life Member

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    What I mainly want from travel insurance, and you have to make sure it is included if it is important to you, is the repatriation of a body. Many will think I am daft, when you are dead you are dead blah blah but I have a very strong conviction about wanting to be buried. Which is almost an impossibility abroad as they are very hot :Rofl1: on cremation. Jane :Smile:
     
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  19. Coolbeanz

    Coolbeanz Funster

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    I think repatriation is important because although general medical care may be as good, if not better, in a lot of Europe if myself or my husband became seriously ill requiring long term medical care I would rather be in the UK with the support of my family.

    I just got an excellent quote from staysure until I read the small print and it was limited to 35 days per trip so I will call them to discuss a quote :Doh:
     
  20. Puddleduck

    Puddleduck Funster

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    I've found the Post Office very good - they cover stuff that even so called specialist companies don't.

    What we paid won't help others as I pay extra due to unusual medical stuff. Last year The Post Office gave us enough insurance to satisfy the cruise company but excluded a couple of my medical issues. They covered DH though. I'm not sure how long they cover abroad as standard but you can increase it - they also cover kayaking excluding white water for no extra charge.

    The Post Office also covers the UK.

    I've not made a claim so can't say how good they are that way. Just another company to try for comparison.
     
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