Travel Insurance (1 Viewer)

[yorkshirepudding]

Like many people I'm looking for ways to save money. Does anyone know of an insurance company who will provide health insurance only? All policies I've had in the past cover for such as flight delays, cancellations and lost luggage. Claims for these are much less likely when you carry your home on your back aren't they so why pay for them.
Alternatavely woud you rely only on your European Health Insurance Card?

 

[callumwa]

Like many people I'm looking for ways to save money. Does anyone know of an insurance company who will provide health insurance only? All policies I've had in the past cover for such as flight delays, cancellations and lost luggage. Claims for these are much less likely when you carry your home on your back aren't they so why pay for them.
Alternatavely woud you rely only on your European Health Insurance Card?

Sound like you are effectively looking at private health care, but just whist you are travelling.
I used to have BUPA but now have cover with Allianz Worldwide Care. This covers me anywhere as the name suggests.
I don't know if the likes of Bupa or Allianz will do short term oversea policies, though I could guess these could be more expensive that say a standard travel insurance policy.

I also have travel insurance included in a package with my bank account, which covers trips up to 45 days at a time. This is conjunction with your European Health Insurance Card would probably cover you for most things.

Again it's important to know what you actually want the cover to protect you for, and then of course go through the T&C with a fine toothcomb, especially if you have any existing health issues.

 

[sedge]

Trouble with EHIC is it won't pay for repatriation, or if you travel with companions - family or others - won't pay for them to get home either.

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[sandyketton]

For this year's travels we will be relying on our EHIC for medical emergencies and ADAC for breakdown cover and repatriation home.

 

[sedge]

I don't think ADAC repatriate you by air ambulance if you eg get hit by a car whilst crossing the road and eg break your neck and need repatriating?

I think they only give repatriation for you and the m'home if your vehicle breaks down. In the event of me or Pete needing medical repatriation, quite frankly abandoning the motor home would be the least of my worries!

 

[sandyketton]

I understand that ADACPlus policy covers you for the vehicle breakdown, accident etc and also covers you and your family with any health, accident problems including repatriation.
I have to phone them shortly to confirm this but their translated handbook quotes the following.

Section 1 Which services are you protected?
The ADAC safe Insurance-AG provides benefits in the form of services or costs under the following conditions listed.

1 With what benefits we can help you with and protected persons with illness, injury, death and other emergencies, if you are on a journey (definition Section 5) be located?
- Sick Repatriation (Section 12)
- Accommodation costs (Section 13)
- Visiting the sick (Section 14)
- Escort service of children (Section 15)
- Unscheduled trip home (Section 16)
- Help in specific emergencies (Section 17)
- Collection of domestic animals (Section 18)
- Medicines and spectacles transit (Section 19)
- Help for loss of travel documents (Section 20)
- Help with language problems / Interpreter Service (Section 21)
- Vehicle driver retrieval failure (Section 22)

This is in addition to the vehicle breakdown service.

Hope this helps and I will post their telephone response if you wish.
Sandy

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[TheTwoOfUs]

Try Fortis. We've used them a lot in the past. If you intend using a bike (looking at your avatar) then make sure that you are covered in the event of an accident. Most policies only cover up to 125cc.

 

[Jenny Andrews]

Hi try direct travel insurance 0845 605 2500 we wanted 90days just medical
very good price
Jenny

 

[yorkshirepudding]

Thanks to all for your interesting replies. They have opened new avenues to explore.
It's not that I'm tight (no really!) but I resent paying for benefits I would not possibly qualify for. Once again, many thanks.

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[Loujess]

That's not tight, just sensible. I'd do the same.

Ivy