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Subject Topic: Travel insurance (again!)
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PersonJoannaLesley
15/12/2023 at 11:26am
 Location: South Northamptonshi
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I'm looking for suggestions please. We have booked a very cheap trip to Barcelona in January for our 45th wedding anniversary. Due to OH's medical conditions over the past year or so, I am struggling to get quotes, although he is fit to travel. I have just had one for £1100 which is twice the cost of the break, but the cheapest that could be found. No quotes at all for annual insurance.

I have no qualms about medical issues, but I am concerned that one of us could slip and do an injury. Are there any insurance companies which provide accident cover only? We have GHIC cards.

Given the cost of the break, we would prefer to cover the cost of any cancellation ourselves, and are only taking hand luggage, so we really don't need all those bits.

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Freedom is a light caravan and an open road.


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PersonSGThomas
15/12/2023 at 1:18pm
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Have a look at any insurance offered by your carrier.
We had the same problem with the eye watering amounts that commercial companies required for over 80s with medical history.

Eurotunnel did it for £740 compared with the lowest commercial rate of over £2000. I have heard that airlines do something similar


Persondaddytent
15/12/2023 at 4:13pm
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Hello iv used able2travel Travel ins


PersonJoannaLesley
15/12/2023 at 4:56pm
 Location: South Northamptonshi
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Thanks folks. I have spent most of the day researching this. Finally, I tried LV as I have my car insured through them. Just what I wanted, with 15% discount as I am an existing customer. They do a reasonably priced policy which doesn't cover existing conditions and we were able to exclude baggage too. I could even upgrade it to an annual policy. It suits us fine, as we have no worries about OH's health and are only concerned about unforeseen slips, trips etc.

Thanks for the suggestions.

-------------
Freedom is a light caravan and an open road.


Don't forget to leave a review of the French and other European campsites you have visited!


Personbofs
via mobile 15/12/2023 at 4:59pm
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Useful to know about LV, thanks you.


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PersonDavid Klyne
15/12/2023 at 8:00pm
 Location: Milton Keynes
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Have you looked at Age UK. We have used them a couple of times for short trips.

David


Personclbewi
15/12/2023 at 10:29pm
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We use Avanti

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Claire and Colin


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PersonVal A
17/12/2023 at 8:32pm
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Quote: Originally posted by JoannaLesley on 15/12/2023
Thanks folks. I have spent most of the day researching this. Finally, I tried LV as I have my car insured through them. Just what I wanted, with 15% discount as I am an existing customer. They do a reasonably priced policy which doesn't cover existing conditions and we were able to exclude baggage too. I could even upgrade it to an annual policy. It suits us fine, as we have no worries about OH's health and are only concerned about unforeseen slips, trips etc.

Thanks for the suggestions.


We use LV too. I just hope we never have to make a claim!


PersonJoannaLesley
18/12/2023 at 8:32am
 Location: South Northamptonshi
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Quote: Originally posted by Val A on 17/12/2023
Quote: Originally posted by JoannaLesley on 15/12/2023
Thanks folks. I have spent most of the day researching this. Finally, I tried LV as I have my car insured through them. Just what I wanted, with 15% discount as I am an existing customer. They do a reasonably priced policy which doesn't cover existing conditions and we were able to exclude baggage too. I could even upgrade it to an annual policy. It suits us fine, as we have no worries about OH's health and are only concerned about unforeseen slips, trips etc.

Thanks for the suggestions.


We use LV too. I just hope we never have to make a claim!



I guess everyone is in that boat! However, I'd rather make a claim and lose a few hundred, than do so and lose thousands if it is rejected. We have no intention of going beyond Europe and reckon we can make a dash for home if Nick's health deteriorates, but we see no reason why it should. Just so long as we are covered for unforeseen accidents that's fine by us.


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Freedom is a light caravan and an open road.


PersonKelper
23/12/2023 at 2:52pm
 Location: Northern Ireland
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Is it not the case that an undeclared condition means you would not be able to claim for anything related to it ... but OK for all else ... if you have (say) a dickie heart, but slipped and broke an ankle ... then that would be covered?


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PersonSGThomas
via mobile 23/12/2023 at 5:51pm
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Remember that loss adjusters' role is to minimise costs for the underwriter, not to be kind to the policy holder. Any loophole which can prevent payment is used. It would be argued that your "dickie" caused you to fall and therefore break leg. That is why I like Eurotunnels' insurance because there is no need for medical history


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Personfiona f
via mobile 23/12/2023 at 9:22pm
 Location: Didsbury Manchester
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Another argument is if you need surgery for a broken ankle, your ‘dickie heart’ makes you more of an anaesthetic risk with potential consequences which you may not be covered for
Fiona


PersonJoannaLesley
26/12/2023 at 8:33am
 Location: South Northamptonshi
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I'm OK with no conditions, other than a single tablet for blood pressure. On the other hand, OH has a list as long as your arm. It's either this, or not being able to travel (we don't use Eurotunnel these days and DFDS refused to cover us even before the problems of the last year). We will take our chance I think.

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Freedom is a light caravan and an open road.


PersonFiona W
via mobile 26/12/2023 at 10:37am
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There seems to be a deal of variation between what insurers require you to declare. In a conversation with Staysure, when asked to declare ‘everything’, I somewhat sarcastically said - what, even my husband’s Athlete's Foot? Yes. And my HRT? Yes. Neither needs to be declared for us to be regular blood donors, and that process is pretty strictly screened.
I turn 70 next year, and the number of days in any one trip reduces greatly enough to impact on my annual visit to my sister in NZ. Time to start shopping around again, I think!

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2024 = 20 sites / 41 nights. 2023 = 9/23. 2022 = 13/35. 2021 = 11/29. 2020 = 4/20. 2019 = 13/35. 2018 = 20/33. 2017 = 10/22. 2016 = 19/33. 2015 = 15 sites / 27 nights. Didn't count 1976 to 2014.


PersonAncient Uncle
via mobile 26/12/2023 at 4:39pm
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Definitely shop around. I was 78 when we went to NZ for 8 weeks and I had a number of medical issues. Having looked on line, I then telephoned the insurance company to make sure. They seemed quite happy. Even travelling via USA was not a problem.


Personromany
01/1/2024 at 11:02pm
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just done 5 quotes for multi trip annual cover for two both aged 69 one with multiple conditions.
travel for you,= £1535 ltd 40 days each trip

allclear= £1082 50 days each trip

avanti= £763, 35 days each, one trip could be increased to 55 days extra cost
ltd to 180 days in policy life.

virgin money basic= £500, 35 days any one trip.

virgin money gold= £823 ltd to 94 days per trip

another company actually stopped mid quote when I declared stents

all of these companies were very keen to stress they covered all present medical conditions as long as they were declared unlike some cheaper companies. Two offered a discount if i excluded Spain and potugal reason given spain and portugal now the most expensive for treatment in europe.
(this has not been my experiance using ehic or ghic card )

Post last edited on 01/01/2024 23:20:14

Post last edited on 01/01/2024 23:22:57

Post last edited on 01/01/2024 23:25:10

Post last edited on 01/01/2024 23:27:11



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