Health/travel insurance for longtermers away from UK is a myth

Discussion in 'Motorhome Insurance General Discussion' started by sciac2001, Mar 1, 2018.

  1. sciac2001

    sciac2001 Funster

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    Firstly, many thanks to all who have in the past, given me names of Insurance companies and Brokers who might offer Health Insurance cover for our regular extended trips away from UK.
    Having tried them all and many many more besides, it seems that anyone who has toured away from the UK for more than 6 months will not be eligible for cover with any of the companies contacted.

    If anyone has actual experience to the contrary and is currently covered accordingly, I would be eternally grateful for contact details.

    Thanks.
     
  2. C+C

    C+C

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    I am 77 with high blood pressure and cholestrol joint cover for myself and wife ( 60 ) £382 pa with LV max per trip 90 days no limit to no of trips.£20 cheaper if member of CSMA/Boundless
    Would appreciate if anybody has better
     
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  3. Dazzlin

    Dazzlin Funster Life Member

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    We have used the online broker Justtravel.com for the last few years.

    Every year we take out a "Single Trip" travel insurance policy, usually from about sept/oct to june/july the next year and name the countries we will be visiting. I then cross off the baggage and cancellation cover (not needed in the van) leaving us with the required medical cover!

    As far as I am aware this will provide the cover required. As an example, 11 months cover for a forty-something and a fifty-something (cholesterol and diabetes T2) is £270 pounds - worth it in my eyes.
    An annual policy with the same spec is about £40 but is restricted to 60 day trips.

    Specify "Single Trip Policy" and pick the length of cover required!!!

    PS. Never claimed and hope we never do, but you only usually need it if you haven't got it!
     
    Last edited: Mar 1, 2018
  4. sciac2001

    sciac2001 Funster

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    Thanks both.

    C+C : unfortunately, my requirement is for much longer than 90 days and all done on a single trip.
    Dazzlin: I noted Justtravel from one of your earlier posts. I contacted them but they refused to take me on. Its not the length of the trip that is the problem, it is that I have been away from the UK for more than 6 months when applying. All other Insurers/Brokers sing from the same songbook.
     
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  5. matamoros

    matamoros Funster

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    Don't think anyone will start a trip insurance when you have already started a trip, bit trying to insure your car after you have had an accident.
    I have annual multi trip with 120 day max through Nwide Flexplus account, not cheap though.
     
  6. Dazzlin

    Dazzlin Funster Life Member

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    Could you not just get a cheap flight back to the UK and get cover from then?

    We have been back a couple of times since september.
     
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  7. sciac2001

    sciac2001 Funster

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  8. sciac2001

    sciac2001 Funster

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    Agreed, but this issue originated back in 2014 after I had successfully taken health insurance out for our first 7 months' trip. When we applied for a renewal to do our 2nd trip a couple of months later, we were told (by the same Insurer, Staysure) that because we had stayed away from the Uk for over 6 months on our first trip that they could not insure us again as we were not regarded as resident.
    It has been the same tale with all other Insurers ever since.
     
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  9. sciac2001

    sciac2001 Funster

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    Yes, but why should it come to that? I have my UK address, pay UK taxes, am on the Electoral Roll and am simply doing what I love doing. Smells of bureaucracy based on ignorance to me. Thks again.
     
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  10. gus-lopez

    gus-lopez Funster

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    Unfortunately none of that counts. If you are out more than six months what they are saying is actually correct, you aren't 'resident'.
     
  11. sciac2001

    sciac2001 Funster

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    So, I am a "citizen of nowhere"......... Now where have i heard that before?

    It just seems ridiculous that no insurer will take us on. Do you know if you would have the same problem with Insurers in Spain, Gus? (Or indeed, do the Dutch and German longtermers have the same issues?)
     
  12. Stroppy Bird

    Stroppy Bird Funster

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    Last edited: Mar 1, 2018
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  13. matamoros

    matamoros Funster

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    I think most of these insurances have a clause about being resident for the 6 months prior to the start, I don't know how that works for multi trip policies with longer stays like our 120 day one. Never bothered with one until this year, might not bother when this one runs out especially if the premium goes up.
    Edit: Could possibly be connected to the 6 month residency rules discussed in another thread.
     
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  14. Jim lea

    Jim lea Funster

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    You’d be surprised, have had to do it three years running for my son, it’s just a simple disclaimer form supplied by the insurance company. Only reason we’ve had to do it is they don’t send out reminders and he’s already travelled by the time we realise insurance is due.
     
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  15. Theonlysue

    Theonlysue Funster Life Member

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    I use insure and go.
    You set the time limit and level of cover.
    You can do it online.
     
  16. gus-lopez

    gus-lopez Funster

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    I have no idea regarding here the only way would be to ask the question of them.
     
  17. SteveandDenise

    SteveandDenise Funster

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    @sciac2001 Would it not be an option to take a insurance with a company that is based in the country where you are touring, just a suggestion
     
  18. sciac2001

    sciac2001 Funster

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    I imagine that I would fall foul of that country's residence requirements, just as I do in UK.
    (Plus of course, I tend to tour various countries on each trip.)
     
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  19. webby1

    webby1 Funster

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    The OP is absolutely right and I think many of the later posts miss what was being said.

    When taking out a travel insurance policy they ask whether you have lived in the UK for 6 months in the last 12 in total. We had been back in UK for just 6 months but had taken a holiday abroad for 2 weeks in that time. She suggested I wait 2 weeks to take out the policy and would then be covered.

    Apparently it is to stop ex pats living abroad but using "travel insurance" to cover themselves.

    So if @Dazzlin returns in June/July and then takes a new policy out in September/October I do not think they will be covered.........................and if you make a large claim no doubt they will check.
     
  20. DJP

    DJP Funster

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    From their website
    Single and annual trip travel insurance
    For both single and annual trip cover, our travel insurance for people aged over 65 will cover you for up to 31 days per holiday. Enough time to bungee jump in New Zealand, cruise around the Caribbean, or simply relax by the pool in Benidorm. And, if you choose an annual multi-trip policy, we can even cover your grandkids for free too!
     
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