Medical insurance for 90 days abroad

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MikeandKath

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Swift Kontiki 645
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Hi all. Can anyone point me in the direction for 90 day travel insurance. I have been with the Nationwide for years. They have just changed supplier and the cost has gone up excessively - well over double what we paid last year.
Thanks. Mike
 
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We have used Total Travel Insurance for our 90 days which starts next week and cost £280 which includes a few medical conditions. They have a policy which does not include the stuff that we don’t really need and is aimed mainly at repatriation.
 
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We were with Nationwide, too and the cost to insure for 2 x 90-day trips with Aviva was prohibitive.
We have taken out an annual multi-trip policy with Virgin Money for less than half the cost of the Nationwide/Aviva policy. Each trip can be up to 92 days.
 
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You could also try LV. I have just paid £232 for their Premium policy which covers 90 days with a few medical things covered and is for 12 months.
 
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Virgin Money do 94 days per trip, I recently paid £167 for multi-trip cover (ages 61 & 66), and by going via Top cashback I should also get cashback on it of over £20.

Annual Multi Trip Travel Insurance | Insurance | Virgin Money UK

Credit cards, Mortgages, Savings, ISAs, Investments and Insurance – Our quest to make banking better starts here
uk.virginmoney.com uk.virginmoney.com
 
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Try LV online. Just taken ours out for 60+ days away. IIRC you may need their annual policy rather than a single trip one.
 
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David and Sally said:
Try LV online. Just taken ours out for 60+ days away. IIRC you may need their annual policy rather than a single trip one.
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Yes, I've just done LV online. £190 (with some medical conditions), annual Premium policy.
(The basic one doesn't cover 90 days).
If I'd gone for a single trip policy it came out at £311! 🙄

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I got mine through CAMC 94 days including breakdown cover cover I don't remember the exact amount, but around £300
 
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MikeandKath said:
Hi all. Can anyone point me in the direction for 90 day travel insurance. I have been with the Nationwide for years. They have just changed supplier and the cost has gone up excessively - well over double what we paid last year.
Thanks. Mike
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Don't forget the Nationwide policy includes breakdown. For us it covers 2 people driving 3 different vehicles - 2 of which are over 10 years old (one 20 years old) including Europe. That can work out quite expensive so as a package I still find Nationwide cover is still competitive.

The medical cover is also worldwide so we will use it this month on a trip around Patagonia. Plus if you also have a savings account with Nationwide you will get a £100 thank you each year.

It all depends what you need.
 
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We went virgin 129 for the pair of us multi European trip 90 day coverage per trip. 59 and 57.
No medical alerts given to them as none of my answers for my spinal injury triggered further investigation.
I rang them to query this and they said you can tell us about it and it's 150 more or you can just not tell us about it and you're covered.
Tough choice 💰
 
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Rob & myself are just going down this route too as we both have flexplus acs & mhs & with Aviva taking on the travel insurance its no longer worth it for either of us.

I've just taken out LV breakdown but via asda - this has worked out cheaper than going to LV direct for some reason.

I've also taken out LV travel premier insurance for £94 annual multi trip. I do have other policies with them.

The post office also gave a decent quote & was very reasonable for my daughter (with pre existing conditions) she's in her 30's & you can extend trip length & add cruise cover which we need.

We'll both be downgrading the flexplus to the free account as we're both happy with Nationwide for the time being.
 
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Just been refused by Virgin, 72 heart attack 10 year,s ago no explanation given fit as a fiddle !
 
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We've changed to a Nationwide free account, taken Virgin multi-trip, 92-day travel insurance, added van breakdown to our Comfort policy (£81), and taken AA family breakdown for 4 people driving any car (£112).
We've saved in excess of £400.
 
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Just had a quote from virgin for annual multi trip cover (single trip 94 days) £318 for both of us in our 70's (inc couple of med conditions). Well pleased :giggle:

Pete

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bellabee said:
We've changed to a Nationwide free account, taken Virgin multi-trip, 92-day travel insurance, added van breakdown to our Comfort policy (£81), and taken AA family breakdown for 4 people driving any car (£112).
We've saved in excess of £400.
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I'd be interested to see how you have saved £400. Nationwide at £18 per month = £216 a year. Your breakdown alone is £193.

How much is your Virgin travel ins? How many 90 days per year were you intending to to do with Nationwide? Additional health charges?

Virgin certainly doesn't work for me - 92 days worldwide cover is nearly £1000. 62 year old with just basic common medical conditions. Are people maybe just getting European cover not worldwide?

Screenshot 2025-01-07 151455.webp
 
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Tykatem said:
Just had a quote from virgin for annual multi trip cover (single trip 94 days) £318 for both of us in our 70's (inc couple of med conditions). Well pleased :giggle:

Pete
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European cover or worldwide?
 
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VXman said:
I'd be interested to see how you have saved £400. Nationwide at £18 per month = £216 a year. Your breakdown alone is £193.

How much is your Virgin travel ins? How many 90 days per year were you intending to to do with Nationwide? Additional health charges?

Virgin certainly doesn't work for me - 92 days worldwide cover is nearly £1000. 62 year old with just basic common medical conditions. Are people maybe just getting European cover not worldwide?
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As follows- The £18 per month, more or less, cancels out the breakdown.

We make 2x90-day trips per year, for which Aviva quoted us £480 per trip.

Our annual multi-trip trip, 92-days-per trip, policy with Virgin was £470 total.

We are both over 70 and each have a couple of the usual preexisting conditions.

We do not need worldwide cover.
 
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Remember Co-op Bank have just been bought by Cov Building Soc so what was available previously might not be now.
 
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Odd-no-more said:
I got mine through CAMC 94 days including breakdown cover cover I don't remember the exact amount, but around £300
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For info - Red Pennant only covers vans up to 4250kg, there is a substantial surcharge if you are heavier than that
 
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Apologies, VXman , I was mistaken. Just checked my bank statement and it was £393 that we paid for the Virgin insurance, and not £470.

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bellabee said:
Our annual multi-trip trip, 92-days-per trip, policy with Virgin was £470 total.


We do not need worldwide cover.
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These are the key differences that many people are missing when they say Nationwide is now expensive.

If you want worldwide travel then Nationwide is very competitive. I am sure there are many like us who enjoy motorhoming in Europe but also like to get a bit further afield too.

We do a couple of months in Europe, another month separately, some UK travel and one or two long haul flight destinations. In this situation Nationwide is still very competitive.

For Europe only and 2x 90 days it is clearly not. Why buy worldwide when you don't need it.
 
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For Virgin Money Gold Annual Multi Trip (Worldwide excluding US, Canada, Mexico and the Caribbean) I pay £171 inc 20% Insurance Premium Tax. I am aged 67. Covers trips up to 92 days.
 
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We upgraded our Lloyds Current account which includes amongst other benefits, travel insurance (I think for upto 180 days) and Family AA breakdown cover.

Yes it costs £22.50 a month account fee, but when you set that against the cost of Travel Insurance and AA Cover (in our case for 2 cars), we were quids in!
 
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Bernie P said:
We upgraded our Lloyds Current account which includes amongst other benefits, travel insurance (I think for upto 180 days) and Family AA breakdown cover.

Yes it costs £22.50 a month account fee, but when you set that against the cost of Travel Insurance and AA Cover (in our case for 2 cars), we were quids in!
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It would be interesting to compare cover between Lloyds and Nationwide. Everyone is complaining about Nationwide price as it went from £13 per month to £18, but additionally there are changes to the way extensions to cover work.

I might do some investigation and produce a comparison at some point.
 
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We have Nationwide Flex as well which at the basic £18 is worthwhile but after decaring some pretty insignificant "pre-existing" conditions they wanted another £180! I get the impression that decaring anything is just a justification to whack up the charges.
 
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