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Author Topic: Holiday Insurance  (Read 3065 times)

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phoenix

Holiday Insurance
« on: March 30, 2010 »
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  • Those of us who have, or who have had  a serious medical condition and who have to pay extortionate holiday insurance should look here for  specialist  insurance companies with reasonable prices such as Insurancewith,  Insurepink, Free Spirit, All Clear Plus, Freedom Travel and It's So Easy.

    http://www.telegraph.co.uk/finance/personalfinance/insurance/7536453/Too-sick-to-insure.html

    orange

    Re: Holiday Insurance
    « Reply #1 on: March 30, 2010 »
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  • There was a warning in that article to shop around  - one of these companies was charging ?30 for two weeks
    of cover and another ?85 for the same thing.

    Offline gladys

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    Re: Holiday Insurance
    « Reply #2 on: March 30, 2010 »
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  • Significant other has cardiac probs . we use "Able to Travel". Never had a problem with them, they are very helpful in medical cover for existing conditions . He was admitted to the clinic in San Eugenio and they phoned regularly to see if I was ok and did I need anything. Annual cover for 2 about ?123 (both under 60 ....Just !)

    magsnmike

    Re: Holiday Insurance
    « Reply #3 on: April 01, 2010 »
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  • Minefield!!!!!!!

    I work in insurance and I would urge anyone to check the wording of any insurance being offered very carefully, particularly if it seems too cheap and if over 60 years of age.

    Check the financial limits imposed for emergency medical overseas assistance.

    Check repatriation limits.   Sometimes as the person being unwell you are covered for repatriation, but not your partner.

    Check for existing medical conditions, however small.

    Get a phone number to call for 24 hour medical assistance.

    I know its boring, but do read all of that small print!!!!!!!!!!!!!

    Fingers crossed you never need to use it.

    Sweeney Todd

    Re: Holiday Insurance
    « Reply #4 on: April 01, 2010 »
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  • I would agree with magsmike. I was recently attacked whilst visiting Las Vegas, thanfully I was able to continue my holiday. For a 4 mile trip in an Ambulance to Hospital ?400. A brain Scan  (yes they found one) and check up ?2000.
    You most certainly want a FREE PHONE number to contact your Insurance company as the Hospital I was taken to refused to use their phone unless I had a TOLL FREE number.
    Insurance is taken very lightly until we need it - it is always good to get a cheap one, but this can turn out to be false economy. There are some good deals out there but as magsmike says READ THE SMALL PRINT. I am very thankful I did.

    To finish on a more lighter note!!
    Ricky Hatton and I both have something in common. We both went to Las Vegas - We both had a fight - we both lost - we both finished up in Sunrise Hospital!!!!

    Ellen290965

    Re: Holiday Insurance
    « Reply #5 on: April 13, 2010 »
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  • I would reiterate MagsnMike post.  My stepfather took ill the Xmas before last whilst staying at El Varadero and unfortunately didn't recover. Whilst the insurance company and hospital liaised, some items weren't covered which my Mum had to deal with. In any circumstances, if a partner is going to be alone, even if the other is only hospitalised, it is vital that they don't have to be spending all their time making calls and dealing with issues which the insurance company could take over. They should only have to worry about being with their spouse.
    One of the things we did learn was that the interpretors at the hospitals are worth their weight in gold.
    Anyway - my moral is  - pay the little bit extra with a reputable company to ensure you are covered in every eventuality and always declare any health issues.

    orange

    Re: Holiday Insurance
    « Reply #6 on: April 16, 2010 »
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  • Talking about every eventuality.

    The Volcano Ash is being reported as being declared as an 'Act of God' by some Insurance Companies.

    No doubt there is expense for those who are not on a package.

    Does anyone have experience of being refused payments etc?

    Offline janey

    • Sr. Member
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    Re: Holiday Insurance
    « Reply #7 on: April 17, 2010 »
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  • Talking about every eventuality.

    The Volcano Ash is being reported as being declared as an 'Act of God' by some Insurance Companies.

    No doubt there is expense for those who are not on a package.

    Does anyone have experience of being refused payments etc?


    the people on package holidays are pretty badly hit, many of the hotels are charging for extra nights accomodation at full rate, and the families are having to pay hotel prices for food/drinks.  at least in the apartments they can eat as they would at home, cooking in, supermarket shopping etc.  my friend is in hotel jardin del tropical - a nightmare with 3 kids! no flight home yet.  been waiting since thursday.

    orange

    Re: Holiday Insurance
    « Reply #8 on: April 17, 2010 »
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  • So people in self catering apartments are being allowed to stay in them without charge and are the only travellers being looked after?

    Those with International Companies, ABTA Bonded, taking holidays that are protected under European Package Directives are
    paying extra and not being looked after?

    Hotel Jardin Tropical is in Costa Adeje - So they are charging extra and packages are not being looked after?

    This Volcano situation could go on and off for months.

    Those taking Package Holidays (which have always been seen as the safer and looked after option) need to know where they stand
    before travelling now then.