Travel/Medical Insurance

Lazyboy

Lazyboy

Joined
Apr 17, 2016
Posts
613
Likes collected
770
Location
Peterborough, Cambridgeshire
Funster No
42,532
MH
Carthago Chic E Line
Exp
Since March 2004
Any one able to advise on a company that will give sensible priced cover for 2 people over 66 years old with 90 day duration for Europe?
Currently we are with Avanti. Just called to ask if any rebate was available as due to the current situation we are unable to travel abroad.
Their reply is we will give you a new 15 month policy for the cost of a 12 month policy but it has to be taken out now to qualify for the "rebate". The rebate reduces every day moving forward. So currently £47.28 "rebate" against a new policy for 15 months (although we may still not be able to travel abroad this year). I cynically suggested that they would increase the policy price anyway to which they replied no we have only had our "normal" increases. The outcome is that they want a 33% increase on the equivalent policy which we took out December 18th 2019. To clarify, if we cancel the policy there is no rebate at all.
I know it is not their fault that this virus has caused major upsets but 33% seems a little strong.
We don't need baggage cover or even cancellation cover just medical if possible.
Just to let you know we do not have any cover with our bank account.
Thanks
Lazyboy
 
I do fear it will soon become prohibited because of the price. As long as seniors are willing to pay excessively high prices, it will continue to increase me thinks.
 
We took out a 6 month single trip Travel Insurance through C & CC (Intana) at a cost of £204 last
November, with a commencement date of Jan 20 this year. Despite having an open return ticket to the end of April, we were advised by the British FO to get out of Morocco in late March. Morocco had closed all its sea links. We had to pay £1360 for a one way ferry ticket from Tangier to Sete in France.
C & CC (Intana) will not reimburse us for our additional travel costs, as they say we were not covered for a 'Peril Based Situation'. Robbing bastards - we did however insist on a pro-rata refund since we couldn't travel anywhere else during the remaining 3 months due to lockdown. Caveat emptor, or in layman's language, 'Dick Turpin wore a mask'. :mad:
 
Yes got one of those thanks. thinking about the unpredictable to a degree. Broken leg/arm. Repatriation etc.

Subscribers  do not see these advertisements

 
Just thinking about it how would anyone go on who had a broken arm then caught covid? I bet they would get out of it.
 
Stealaway said:
Don't you have one of these EHIC cards?

www.nhs.uk

Applying for healthcare cover abroad (GHIC and EHIC)

Find out if you're eligible to apply for a new UK EHIC or UK Global Health Insurance Card (GHIC).
www.nhs.uk www.nhs.uk
Click to expand...
that's all I use & usually as i have to physically go & get it each time I wish to travel, 2 trips at least, I don't bother since learning that anyone entitled to the provison of one that doesn't actually have it can get one from their provider over the phone & with the hospital/doctor/medical person being required to actually obtaining it. Not that you'll find many that even know that is what the rules are.
bigtwin said:
Doesn’t really help. It isn’t medical insurance.

Ian
Click to expand...
No it is worse than car insurance & basically not worth the paper it's written on.

Subscribers  do not see these advertisements

 
bigtwin said:
Doesn’t really help. It isn’t medical insurance.

Ian
Click to expand...
Stealaway said:
Didn't know that. What's the difference?
Click to expand...

EHIC only covers treatment at public hospitals and (I think) emergency or urgent. It will not pay for repatriation.

Many years ago I had an expensive pair of glasses broken when we were in Paris. My travel insurance paid for an eye test and a replacement pair of glasses whilst we were there. I did have my spares with me and had the receipt for the pair that got broken at home (which I had to provide as evidence of course) :)
 
I met a bloke last year, can't remember where, but Europe somewhere, and the ehic card is all he's ever bothered with for twenty years.
I said ah yes but you've been lucky not to need a medic. He assured me quite the contrary, both he and his wife have had quite considerable medical assistance, broken leg, cut foot, sprained ankle, he even had a heart scare and got excellent care all for free with the ehic. I think this was mostly in Spain.
It made me wonder why I bother with travel insurance at all especially with premiums rising with age.
I may consider self insuring when we can next cross the moat again.
 
Might be worth trying Eurotunnel but it would be a single trip policy as there annual cover is only for 31 days at a time. They've also changed the "rules" so that you now have to have a journey booked with them to use it. No idea how much they charge for a single trip policy but their annual policy is less than £90 for both of us, both over 66 which is what you asked.
 
It all depends on your attitude to risk and how well you are I think :)

Martin's Uncle died when on holiday in Spain. Because they had insurance his body could be repatriated for burial near his home. The alternative was the equivalent of a Public Heath funeral in Spain.
 
Lazyboy said:
Yes got one of those thanks. thinking about the unpredictable to a degree. Broken leg/arm. Repatriation etc.
Click to expand...
If there are two of you that can drive your MH, broken leg or arm or indeed a lot of things, even Corona, the other person could get you home.
Bit different than a package holiday.

Subscribers  do not see these advertisements

 
Figaro said:
I met a bloke last year, can't remember where, but Europe somewhere, and the ehic card is all he's ever bothered with for twenty years.
I said ah yes but you've been lucky not to need a medic. He assured me quite the contrary, both he and his wife have had quite considerable medical assistance, broken leg, cut foot, sprained ankle, he even had a heart scare and got excellent care all for free with the ehic. I think this was mostly in Spain.
It made me wonder why I bother with travel insurance at all especially with premiums rising with age.
I may consider self insuring when we can next cross the moat again.
Click to expand...
We are with nfu for house insurance and for about £40 for two, you can add travel insurance, we have both got it, ok, there's a catch, age fine no limit, but they don't include existing conditions, Julie has had cancer but fully recovered so not likely to be an emergency with that, and I have blood pressure with tablets it's fine so hopefully not a problem but for all other things it is the same as all the others.
So between the ehic and this cover I think it pretty much covers it for £20 each (y)
 
Puddleduck said:
It all depends on your attitude to risk and how well you are I think :)
Click to expand...
I guess that's the truth. I'm 75, I've no medical conditions and I don't take any medications and have been travelling a lot with just the EHIC card every year around Europe by car, m/h and motorbike since retiring 25 years ago . Since I've never had to use the EHIC cover maybe I'm overconfident of its worth and have become too laissez-faire about getting private cover. (Un)fortunately I can put off making any purchase decision at present.
Later.: Just realised that for the past two years I've had breakdown and health cover with my FlexPlus a/c although I haven't studied the detail other than paying a nominal over-70 excess.
 
Last edited:
chaser said:
We are with nfu for house insurance and for about £40 for two, you can add travel insurance,
So between the ehic and this cover I think it pretty much covers it for £20 each (y)
Click to expand...
That sounds very good. Pity I've just renewed my house insurance.
 
denisejoe said:
Might be worth trying Eurotunnel but it would be a single trip policy as there annual cover is only for 31 days at a time. They've also changed the "rules" so that you now have to have a journey booked with them to use it. No idea how much they charge for a single trip policy but their annual policy is less than £90 for both of us, both over 66 which is what you asked.
Click to expand...
The requirement to have a booking started last year I believe. It still would have been cheaper for a friend of ours to do that but not use it.
 
There’s nothing wrong with the EHIC card at all as it gives us the state care of the country you are in. I am sure there are lots of us hoping that a reciprocal arrangement will be arranged for after the end of the transition period. Then at least we will be OK in Europe as long as we know that in some EU countries the care is not free and you have to top it up. I will still be taking out travel insurance because of repatriation issues as I’d rather be at home for any long term or terminal care. At the moment Coronavirus won’t be covered on new policies, who knows by next year, it might be if there’s a vaccine or a good treatment or immunity is well understood. I bet it will be pricey. Some people will be happier about taking risks with their health than others but it’s always been like that. I’m neurotic about travel health insurance but less afraid of getting Coronavirus in the UK .

Subscribers  do not see these advertisements

 
Great advice as always carolyn We always have EHIC (and also hope the scheme continues) but also have private insurance.

It's been mentioned before but there is a private "top-up" scheme for EHIC (https://www.europeplus.co.uk/info/ehicplus others may be available). I've never used it so don't know how good it is - and as always check the policy to make sure it does what you think it does.
 
Question for Chaser
With the NFU home insurance, how many consecutive days are you able to be away from your home?
This year I changed to C&CC as they gave us 90 consecutive days now we cannot take advantage.
 
Lazyboy said:
Question for Chaser
With the NFU home insurance, how many consecutive days are you able to be away from your home?
This year I changed to C&CC as they gave us 90 consecutive days now we cannot take advantage.
Click to expand...
Think it's only 30 mate but plenty for us, but think you can go for 90 in total.
 
Puddleduck said:
Great advice as always carolyn We always have EHIC (and also hope the scheme continues) but also have private insurance.

It's been mentioned before but there is a private "top-up" scheme for EHIC (https://www.europeplus.co.uk/info/ehicplus others may be available). I've never used it so don't know how good it is - and as always check the policy to make sure it does what you think it does.
Click to expand...
I did a quote of there a couple of years ago and it was as expensive as just buying the private insurance on its' own.
 
Our insurance is with Virgin which we got 90 days cover with for less than £100.

Subscribers  do not see these advertisements

 
Lazyboy said:
The outcome is that they want a 33% increase on the equivalent policy which we took out December 18th 2019. To clarify, if we cancel the policy there is no rebate at all.
Click to expand...
Throw it back at them, I had this twice with Virgin so I responded to their second refusal with the below:

... could you please check this is still the policy with the underwriter as many companies are doing pro-rata refunds due to the fact that many countries are not allowing travel to or within them because of the Covid restrictions which they have put in place and there is therefore no ability for us to realistically make use of the cover at all during the remainder of the insured period. ​

They agreed to refer it to the underwriter and I have now been told that they have agreed to give me a pro-rata refund which I have asked to be back-dated to March which is when I first asked for it to be cancelled and part-refunded.
 
bigtwin said:
Doesn’t really help. It isn’t medical insurance.

Ian
Click to expand...

So now it is medical insurance. :drinks:

Good because that all we have ever had over the last 20 years of touring Europe - with many thousands of miles on a motorbike
Except they won't pay for repatriation or a burial.
We do have around £10,000 on the credit cards for emergencies even if we cant drive back home.
A local public health burial will be perfectly OK. It's what I'll be having here.

Why would we need to buy private medical insurance?
 
Stealaway said:
So now it is medical insurance. :drinks:

Why would we need to buy private medical insurance?
Click to expand...

Because that’s what the OP was seeking:

Lazyboy said:
We don't need baggage cover or even cancellation cover just medical if possible.
Click to expand...


Stealaway said:
Good because that all we have ever had over the last 20 years of touring Europe - with many thousands of miles on a motorbike
Except they won't pay for repatriation or a burial.
We do have around £10,000 on the credit cards for emergencies even if we cant drive back home.
A local public health burial will be perfectly OK. It's what I'll be having here.
Click to expand...

Pleased for you.

Ian
 
chaser said:
If there are two of you that can drive your MH, broken leg or arm or indeed a lot of things, even Corona, the other person could get you home.
Bit different than a package holiday.
Click to expand...

Stealaway said:
So now it is medical insurance. :drinks:

Good because that all we have ever had over the last 20 years of touring Europe - with many thousands of miles on a motorbike
Except they won't pay for repatriation or a burial.
We do have around £10,000 on the credit cards for emergencies even if we cant drive back home.
A local public health burial will be perfectly OK. It's what I'll be having here.

Why would we need to buy private medical insurance?
Click to expand...

What happens is BOTH of you are badly injured so neither can drive but you need to get back to the UK? Unfortunately it does happen.
 
Wow you really are imagining the worst possible scenario :Eeek: but it's very unlikely to happen.

Kids and credit cards would probably sort it - but It's not going to happen:drinks:

Subscribers  do not see these advertisements

 

Join us or log in to post a reply.

To join in you must be a member of MotorhomeFun

Join MotorhomeFun

Join us, it quick and easy!

Join us

Log in

Already a member? Log in here.

Latest journal entries

Back
Top