Medical insurance

[vzac]

Does any one take this out when traveling in Europe and if so who do you use thanks.

 

[stevewagner]

I think you’ll find that most do as part of their travel insurance. We use the Nationwide travel insurance that comes with the flex account at £18 a month which includes medical, vehicle breakdown & recovery for any vehicle we are in and mobile phone cover.

 

[Baggydave]

Does any one take this out when traveling in Europe and if so who do you use thanks.

Nationwide flex account & ehic card. (Now ghic)
Wife spent two weeks in Spanish hospital with leg infection on one of our trips. She had an habit of scratching it with her walking stick!
Own room & fantastic treatment, they even organised English speaking staff. Food great. Didn’t cost a penny. This was in Burgos & I stayed on the aire then the campsite.
Better treatment & accommodation than the nhs by far. At least here in Eastbourne & dgh. Gave us meds to see us home too.

 

[Lenny HB]

A bit of a risk not to, if you need repatriating costs are enormous could be £50k or more, even an operation in a French hospital could cost you a few grand as you have to pay 20%. The GHIC only gives you the same cover as the locals.
Also a taxi or ambulance will often take you to a private hospital which will cost you a fortune.

We use the insurance that comes with our Lloyds Bank account.

 

[carolyn]

We have travel insurance with our Lloyds bank account, it’s an obsolete Premier account so covers us worldwide up to 62 days up to age 80.

Madness not to . Think of repatriation costs. People talk about dying overseas and say they’d be happy to be buried there. That’s fine but imagine having a stroke and suddenly having long term care needs. I’d want to be at home in a system I understood.The doctors might understand English abroad but all the support staff won’t outside touristy areas.

 

[vzac]

We always have insurance, but I am finding it difficult and very expensive we go for upto 3 months, so nationwide is no good for us, and I do not require full travel insurance as our breakdown covers repatriation of vehicle and people. I understand the costs of hospital medical as I was once paralysed in France. But am struggling to find medical insurance for Europe without it costing (quoted £693) for an annual all EU cover.

 

[carolyn]

On the whole more expensive insurance is more expensive for a good reason! I don’t mean to be unsympathetic but the older we get the more likely we are to have things go wrong that are expensive. Although youngsters have accidents they aren’t as frequent as the Daily Mail wil have you believe and they mend quickly .

 

[Nirvanauk]

You would be mad not to.

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[scotzsue]

I just wish you could get cover for repatriation only

 

[stevewagner]

We always have insurance, but I am finding it difficult and very expensive we go for upto 3 months, so nationwide is no good for us, and I do not require full travel insurance as our breakdown covers repatriation of vehicle and people. I understand the costs of hospital medical as I was once paralysed in France. But am struggling to find medical insurance for Europe without it costing (quoted £693) for an annual all EU cover.

Still a lot cheaper than treatment or repatriation costs

 

[Tykatem]

We used virgin for annual multi trip cover (single trip 94 days) £318 for both of us in our 70's (inc couple of med conditions).

Pete

 

[Puddleduck]

I'd never travel without proper medical / travel insurance.

I had to claim last year (previous provider of Nationwide policy) as I was taken into hospital in the UK following a fall and we had to cancel our holiday (not motorhome). Without the insurance we would have lost £10,000. Luckily the reason for the fall was a pre-declared and accepted condition so no wriggle room.

Always declare medical conditions or you are wasting the premium. Yes, might put up the cost of the policy but what's the point in paying for a policy if you are going to negate it by being less than fully honest?

 

[Fidge]

Just bought 90 days insurance for two people, both with medical conditions, and in our seventies for £299 with Goodtogo ins.

 

[vzac]

Just bought 90 days insurance for two people, both with medical conditions, and in our seventies for £299 with Goodtogo ins.

Thanks will have a look
Cheers

 

[pandas]

I think you’ll find that most do as part of their travel insurance. We use the Nationwide travel insurance that comes with the flex account at £18 a month which includes medical, vehicle breakdown & recovery for any vehicle we are in and mobile phone cover.

But limited in the length of day covered

 

[Nanniemate]

We always have insurance, but I am finding it difficult and very expensive we go for upto 3 months, so nationwide is no good for us, and I do not require full travel insurance as our breakdown covers repatriation of vehicle and people. I understand the costs of hospital medical as I was once paralysed in France. But am struggling to find medical insurance for Europe without it costing (quoted £693) for an annual all EU cover.

Having had a relative in hospital for 6 months until stable and then a full medical team and airlift repatriation

The cost of additional accomodatoon lost ongoing booking and all the other bits that go with it

Lenny HB 's suggestion of £50,000 ,is a huge underestimation if some serious goes wrong

We often discussed that as a family 3 houses 8 vehicles contents holidays etc how much it cost us as in insurance bearing in mind up until then the only claims ever made from any of the 3 family homes was

1 stolen car ...mine
1 flood burst pipes parents.

Every penny was worth it as the money those insurance companies took off us was invested so when we needed it

They paid

Which meant we all kept our houses and savings

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[The Wino]

On average insurance companies must charge more in premiums than they pay out obviously as otherwise they wouldn't be able to pay their operating costs and make a profit so they wouldn't survive. However when it's potentially a very expensive loss like on travel medical costs for most people it's a no brainer as if they are the unlucky one it's going to have a very big effect on their savings to pay themselves. In general we don't insure everything I don't insure my musical gear worth a few thousand we have a very high voluntary excess on car insurance we have no new for old cover on house insurance no insurance on white goods drain cover etc etc as they are all things where if we were unlucky we'd just pay ourselves but on holiday medical cover id definitely take it out. I'd actually sooner travel abroad without breakdown cover than health cover.

 

[vzac]

I agree with you all medical insurance is important ( I have been there). What I don't like on these Tavel insurances is the assumption you are flying and using hotels. I do not require cancellation of flight costs, lost luggage, hotel expenses and other bits and pieces associated with traditional holidays. It appears no one does an insurance for motorhome specific medical abroad. And insurance has risen massively. Pre COVID it was around £50, now for similar it's getting to £300. That's a massive rise

 

[Minxy]

We always have insurance, but I am finding it difficult and very expensive we go for upto 3 months, so nationwide is no good for us, and I do not require full travel insurance as our breakdown covers repatriation of vehicle and people. I understand the costs of hospital medical as I was once paralysed in France. But am struggling to find medical insurance for Europe without it costing (quoted £693) for an annual all EU cover.

The breakdown policy will not cover repatriation of people due to illness etc, its only for an issue with a 'poorly' mh which cannot be sorted abroad, so you do need full travel insurance.

 

[carolyn]

I agree with you all medical insurance is important ( I have been there). What I don't like on these Tavel insurances is the assumption you are flying and using hotels. I do not require cancellation of flight costs, lost luggage, hotel expenses and other bits and pieces associated with traditional holidays. It appears no one does an insurance for motorhome specific medical abroad. And insurance has risen massively. Pre COVID it was around £50, now for similar it's getting to £300. That's a massive rise

I haven’t looked at it myself but lots of people swear by the CAMC type policies that do breakdown and medical but they are more specialised and often dearer. You can’t have it all I’m afraid. We are a niche market. Bulk is always cheaper.

 

[The Wino]

I agree with you all medical insurance is important ( I have been there). What I don't like on these Tavel insurances is the assumption you are flying and using hotels. I do not require cancellation of flight costs, lost luggage, hotel expenses and other bits and pieces associated with traditional holidays. It appears no one does an insurance for motorhome specific medical abroad. And insurance has risen massively. Pre COVID it was around £50, now for similar it's getting to £300. That's a massive rise

I suspect that if they looked at the
cost of claims for motorhome travelling it might well not be that different to air travel. If the only driver has a medical claim what are the repatriation costs for them the other passengers and vehicle likely to be!

 

[Suenliam]

We pay a fortune (at least to us) for medical ins. Over £800 as one of us is over 80 with declared medical conditions although all have been fixed with surgery. Yes it is a lot of money, but cheap when you consider it gives us peace of mind and lets us enjoy our hols. I often remark that it is cheaper to die than to be ill abroad and need medical repatriation and all the costs that entails.I wouldn't risk my house etc. for the sake of saving a comparatively small sum of money.

Surprisingly our annual policy cost less than a single trip with the same company.

Sue

 

[Speve]

We have LV= annual cover we both have med problems and it’s around £350 for both of us with their premium policy and that give 90day cover as many times as you want over the year.

 

[G7UXG]

We use the insurance that comes with our Lloyds Bank account.

Lenny HB are you able to extend the cover to more than 30 days with Lloyds Bank? If so was the extra premium reasonable?

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[vzac]

Just sorted it £178 with virgin for the 2 of us annual cover for up to 93 days at a time. Seems to go to be true, but gone for it.

 

[Minxy]

We're with Virgin too for a similar price, good coverage compared to the high prices some other companies charge sometimes for lesser cover

 

[Emmit]

I think you’ll find that most do as part of their travel insurance. We use the Nationwide travel insurance that comes with the flex account at £18 a month which includes medical, vehicle breakdown & recovery for any vehicle we are in and mobile phone cover.

The medical side of it with NW is only £18 IF (Big IF) you are prepared to spend less than 32days 'over there' AND (another BIG word) you have No pre existing medical conditions and that includes any repeat medication in the previous 12mths.

I doubt that there are many on here that the above does not apply to.
Unless of course one does not visit the Doctor as a matter of principal.

 

[carolyn]

The medical side of it with NW is only £18 IF (Big IF) you are prepared to spend less than 32days 'over there' AND (another BIG word) you have No pre existing medical conditions and that includes any repeat medication in the previous 12mths.

I doubt that there are many on here that the above does not apply to.
Unless of course one does not visit the Doctor as a matter of principal.

The bit about repeat medication could catch a lot of people out I would think Derek, is that new? There can’t be many of us on MHF without a “drug cupboard” in our vans!

 

[Emmit]

Not many read the small print.

As one who has a NW flex account currently with UK Ins. but 3 days off that coming to an end.
We have not taken up the Aviva option because, uniquely for us for the first time for the last 10yrs. we have no trips, cruises or journeys abroad booked.

However, on our latest trip I was lent a copy of Aviva's T&C's.

I'm certain that amongst all sorts of conditions, the repeat prescription restriction was there.
Furthermore, I've just spoken to the friend who lent us the T&C's.
He reminded me that, in addition to the above, there are words to the effect that, you should declare a medication prescribed in the past 12mths. EVEN IF THAT MEDICATION WAS NOT ISSUED OR TAKEN!
That would cover the circs. where, after a visit to the Dr's, a prescription was issued but the patient "knows better" and refuses to take the medicine. I can think of several examples of people who have stated that to me in the past.
Further, you will recall that Mary has in the past had a serious illness.
Even after she was declared as in 'Clinical Remission' in January, when it came to renewing our travel Insurance in February, her liability to increased charges remained until she had been in remission for more than twelve months.

 

[stevewagner]

The medical side of it with NW is only £18 IF (Big IF) you are prepared to spend less than 32days 'over there' AND (another BIG word) you have No pre existing medical conditions and that includes any repeat medication in the previous 12mths.

I doubt that there are many on here that the above does not apply to.
Unless of course one does not visit the Doctor as a matter of principal.

They all load up where there are medical issues