TRAVEL INSURANCE

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18 Oct 2019 18:09 by Meryt Star rating. 27 posts Send private message

We'll be in Spain for 4 and a half months from the end of October and I just don't know what to do re Travel Insurance.  I've had single trip quotes from under £500 to over £1200!  W/cholesterole do have pre-existing meical conditions (the usual hypertension for those over 60, but we are very fit  for our age).  Is it best to insure here in the UK or better to get a Spanish Insurer?  Is that evev possible?  What do other long-term renters do?  Any advice would be gratefully recieved.  We have EHIC cards but they may not be valid before we return to the UK.





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18 Oct 2019 18:15 by Meryt Star rating. 27 posts Send private message

Sorry!  I didn't notice /cholesterol jumping between the W and e of 'We'.  It should be after hypertension.  I couldn't see 'edit' when I sent the post!  Doh!





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18 Oct 2019 21:32 by mariedav Star rating in Ciudad Quesada. 951 posts Send private message

Well, all depending on what happens on Saturday, you may not be able to come to Spain for 4 and half months. 

If there is no transition period and the no deal whatsoever kicks in then you may find you are limited to a maximum stay of 90 days.

However, assuming all goes well and the trough guzzling MPs we have (can you believe they are asking for an allowance for child care as they are working the 3rd Saturday in 70 years?) actually vote for Bojo's deal or we get a transition period then you could stay for your planned period of time then try Globelink. We use them as they cover expats from Spain but also include hypertension (my husband) and high cholesterol as standard with no need to declare them as a pre-existing condition.

Just tried them for a 70 year old couple and it came to £241 each for 4 and half months (wiithout winter sports coverage).

Seems a bit better than your quotes.

 

 





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18 Oct 2019 21:32 by mariedav Star rating in Ciudad Quesada. 951 posts Send private message

Well, all depending on what happens on Saturday, you may not be able to come to Spain for 4 and half months. 

If there is no transition period and the no deal whatsoever kicks in then you may find you are limited to a maximum stay of 90 days.

However, assuming all goes well and the trough guzzling MPs we have (can you believe they are asking for an allowance for child care as they are working the 3rd Saturday in 70 years?) actually vote for Bojo's deal or we get a transition period then you could stay for your planned period of time then try Globelink. We use them as they cover expats from Spain but also include hypertension (my husband) and high cholesterol as standard with no need to declare them as a pre-existing condition.

Just tried them for a 70 year old couple and it came to £241 each for 4 and half months (wiithout winter sports coverage).

Seems a bit better than your quotes.

 

 





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19 Oct 2019 08:29 by Mickyfinn Star rating in Spain and France. 1823 posts Send private message

I think it depends a lot on if you want your cover to include repatriation. That usually bumps up the costs. Of course, the EHIC does not cover that. You may be better advised if you want that just to contract simple repatriation cover and then rely on the EHIC for any emergency treatment. Spain and Britain are currently negotiating an arrangement that keeps the EHIC valid for visitors. Most UK insurance companies in this market will do that.



_______________________
Time is the school in which we learn Time is the fire in which we burn. Delmore Schwartz.



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19 Oct 2019 09:55 by Kavanagh Star rating in Oil Drum Lane Newcas.... 680 posts Send private message

Kavanagh´s avatar

If EHIC remains in force you may find some insurance companies insist you exhaust all possibilities of using it before they will consider a health claim. Why not wait until the future of EHIC is known?  



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19 Oct 2019 18:09 by Meryt Star rating. 27 posts Send private message

Thank you all for your helpful advice.  We'll wait as long as possible to see if our EHICs will be valid.

Mariedav, we'll try Globelink.  Thank you for trying out costs for an older couple.  It was very kind of you.





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23 Oct 2019 16:22 by acer Star rating. 1300 posts Send private message

Hi Meryt,

With a pre-existing condition is good to try a specialist broker - preferably one who is a member of the British Insurance Brokers Association (BIBA).  Being a member means they have satisfied high professional standards.

I googled and found "Travel Insured"  https://www.travelinsured.co.uk/travel-insurance-pre-existing-conditions.

You might also wish to read this, from their website - https://www.travelinsured.co.uk/article.php/110/about_disclosing_blood_pressure_and_cholesterol_on_your_travel_insurance

Hope you find this useful.





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23 Oct 2019 18:48 by Kavanagh Star rating in Oil Drum Lane Newcas.... 680 posts Send private message

Kavanagh´s avatar

Hello Meryt

Travel insurance can be invaluable outside the EU, but you need to consider if it is needed in your circumstances. Many UK home insurance policies cover items away from home, like your Liz Taylor diamond ring.

If you need to run down to a private doctor with a cough or cold you may well be asked to pay (about €50 tops). You could always go to a Spanish pharmacy who are excellent.

Currently your EHIC covers all your emergency health needs. You are unlikely to be ever refused treatment for anything at a Spanish hospital with an EHIC and your passport.

Travel insurance companies have been making a fortune for nothing.



_______________________
ALWAYS BE POLITE & FRIENDLY. PLEASE AVOID ARGUMENTS & CONFRONTATIONS. PLEASE PM ME IF YOU HAVE AN ISSUE. Donate to save the children



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23 Oct 2019 19:24 by mariedav Star rating in Ciudad Quesada. 951 posts Send private message

Kavanagh, what a terrible piece of advice.

What if extended care is needed after something goes wrong? The Spanish system won't pay for that. It also won't pay for any medication which may be needed if you stay longer. What if you miss your flights back? Travel insurance will pay that but the EHIC won't.
What if the worst happens and repatriation is needed, not just on death but incapacity and you need a special flight or nursing care to get back? The Spanish system won't pay for that.

Loads of other situations that insurance will pay for not covered by the EHIC. 

Anyone not taking out travel insurance is being disingenous and at least Meryt is showing responsibility. 





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23 Oct 2019 20:30 by Kavanagh Star rating in Oil Drum Lane Newcas.... 680 posts Send private message

Kavanagh´s avatar

Mariedav

You seem to be full of what if’s. Perhaps Meryt should find out what cover they have before throwing money at insurance that they don’t need and will never pay out. Many UK home policies and even free bank account policies have away from home travel insurance and are comprehensive. Your advice is reckless.



_______________________
ALWAYS BE POLITE & FRIENDLY. PLEASE AVOID ARGUMENTS & CONFRONTATIONS. PLEASE PM ME IF YOU HAVE AN ISSUE. Donate to save the children



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23 Oct 2019 20:58 by acer Star rating. 1300 posts Send private message

His comments are highly opinionated but not the same in value.

I would like to hear the justification for the comment "... Travel insurance companies have been making a fortune for nothing...  That's nonsense. 

The effect of the Internet and comparison websites virtually all sectors of the insurance market have never been more competitive.





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23 Oct 2019 21:05 by mariedav Star rating in Ciudad Quesada. 951 posts Send private message

"What ifs"? Isn't that what insurance is all about? What if someone smashes into your car, you have car insurance. What if your house gets burgled, you have contents insurance. What if a wall falls down in your house? You have house insurance.

What about the lady who broke her neck on a water slide in Benidorm? Insurance paid for her to get home.

Or the couple who live across from me who had their flights cancelled when the Iceland volcano went off some years ago? Nearly 300 euro for medication for their extended stay and almost 800 euro for alternative flights home. Good job they had insurance.

To suggest  a couple in their 70s don't need travel insurance is far more irresponsible and, quite frankly, rather stupid.

 





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24 Oct 2019 06:31 by acer Star rating. 1300 posts Send private message

Mariedav,

You are quite right to say so. 

I'm a firm believer in free speech, but some of the "advice" from a small number on here is appalling.  It's a pity, Kavanagh and Angel Eyes undermine the value of this site.





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24 Oct 2019 07:06 by Mickyfinn Star rating in Spain and France. 1823 posts Send private message

Mariedav: To suggest a couple in their 70s don't need travel insurance is far more irresponsible and, quite frankly, rather stupid.

I agree and support that statement. The EIHC card provides for basic emergency care. There are times in life much more is needed. The cost of comprehensive insurance is worth the peace of mind as you travel. S**t happens when you least expect it.



_______________________
Time is the school in which we learn Time is the fire in which we burn. Delmore Schwartz.



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24 Oct 2019 09:36 by Kavanagh Star rating in Oil Drum Lane Newcas.... 680 posts Send private message

Kavanagh´s avatar

Meryt seems to be cost sensitive. All I was suggesting is that they audit what they already have, or maybe not have before buying any insurance. What does their buildings and contents cover (does it have items away from home cover?).

Lloyds Bank offer free travel insurance.  If you're a Gold, Platinum, or Premier Account holder and you're under 80, the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports.

Currently the EHIC covers emergency medical needs. On some occasions seeking medical treatment without using the EHIC card can mean the travel insurer will refuse to pay out.

Acer, please remark on the thread subject and abstain from your personal trivial insults.

 


This message was last edited by Kavanagh on 24/10/2019.

_______________________
ALWAYS BE POLITE & FRIENDLY. PLEASE AVOID ARGUMENTS & CONFRONTATIONS. PLEASE PM ME IF YOU HAVE AN ISSUE. Donate to save the children



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