Los Gigantes Message Board

All About Los Gigantes in Tenerife => General Discussion => Topic started by: unhappy on July 16, 2020

Title: Travel Insurance
Post by: unhappy on July 16, 2020
To all members a note of caution, my wife & myself were caught up in the flight cancellation problems in March this year & after contacting our Travel Insurance Company & explaining that we were stranded in Tenerife & they said that's OK you are covered but keep your receipts, which we did

We booked our accommodation from the 03/01/20 to 02/04/20 and our one way outward flight for the 03/01/20, when the Pandemic started we booked our return flight early on the 27/02/20 for March we then had 2 flights cancelled & were left stranded in Tenerife.

Although we caught the first flight that flew back to the UK on the 01/05/20 it has cost us about £1500.00
to pay for extra accommodation, medication, & taxis to get home.

The WARNING is because we did not book a return flight when we flew out on the 03/01/20 the Insurance company have now declined our Insurance claim for these costs, saying it is classed as curtlaling our holiday. ( work that one out)

I am sure there are many owners like us, when we owned our own property over there & went over for long periods, only booked a one way flight so we could fly home anytime that suited us but it appears we are NOT Insured if we do this
Title: Re: Travel Insurance
Post by: Georgie on July 16, 2020
The best thing is write to the financial services compensation scheme part of the regulatory Fca

See what happens then
Title: Re: Travel Insurance
Post by: angiebabes on July 16, 2020
Thatís just ridiculous Unhappy. Can you get onto your lawyer and challenge this? You took first available flight. Where does it state in your policy that you must book a return flight for cover to kick in? Seems insurance look for any loophole.  I had insurance for a cruise that was cancelled in May due to virus, they too tried to say they werenít responsible and no refund, but I replied that I was and would take further action, seven days etc.... and next thing there was a refund in my bank account.
Title: Re: Travel Insurance
Post by: will on July 18, 2020
This happened to my friend a number of years ago.She fell ill and was in hospital for a week, and the insurance paid for the stay in hospital and all the treatment.
She arranged her own flight home and was told to keep all receipts, to claim on her return to the UK.
Her policy was a 90 day cover, but after claiming the insurance would not pay and demanded the hospital fees back.The reason was she was on a one way ticket and could have stayed more than the 90 days, therefore the policy was invalid.
She was lucky because my friend had rang and told them she was on a one way ticket but would be returning before the 90 days.The advisor told her this would be fine, but she only had her telephone bill confirming she had rang, it still took a solicitor to sort it out and she still did not get the refund for flight tickets and other expenses.
Title: Re: Travel Insurance
Post by: Tanemera on August 03, 2020
I took out travel insurance in June with Nationwide so, after reading this thread, I phoned to check if we needed to book return flights before departing.  The agent said he had never been asked the question before and thought it was definitely NOT required.  I explained what I had read (on this forum) so he went off to check the policy book and his supplementary information.  After some time he came back to confirm that there was no mention of the requirement so it was definitely safe to assume that we could travel out without booking a return.  Great, I thought, but I then asked him to send me an email to confirm what he had told me.  He said he couldn't send emails but our conversation was recorded so no problem. He then decided to check with his team manager.  The result....NO, I would not be covered unless I booked a return flight before departure.  And they wonder why we don't trust insurance companies!
Title: Re: Travel Insurance
Post by: Georgie on August 03, 2020
Madness
Title: Re: Travel Insurance
Post by: nophead on August 03, 2020
I think the reason is if you have booked both ways then the airline has to get you back either by flying you or finding you another airline and paying the cost. If you have only booked a single flight their duty of care ends when they get you there.

If you subsequently book a return flight as another single they can just cancel it and as they haven't taken you anywhere yet (as far as that flight is concerned) they don't need to bring you back.

So insurance companies would end up picking up the cost, rather than the airline.
Title: Re: Travel Insurance
Post by: Tanemera on August 04, 2020
On the other hand, nophead, if I book a return then have to return early in an emergency, Nationwide agreed that they would have to pick up the cost of the new ticket, whereas if I did not have a return pre-booked they would have no liability. So it is to their advantage for me NOT to book a return flight.
With regard to the airline's responsibility for repatriating passengers with return tickets, try explaining that to Ryanair! We were dumped by them in March and never received the applied for and promised refund. Our credit card provider eventually reimbursed us after 3 months.

Title: Re: Travel Insurance
Post by: Tanemera on August 05, 2020
A further twist to my Ryanair experience.  My card provider has advised me that Ryanair have disputed my claim for reimbursement of the return portion of our tickets.  They say we were "no shows" for the flight which THEY had cancelled 8 days previously (without offering any alternatives)!
Title: Re: Travel Insurance
Post by: unhappy on August 11, 2020
Hi everybody & thank you to those that replied to my original post, I now have an update & a decision from my travel/holiday Insureries.

Ater a lot of forwards & backwards from the 23/02/2020 when we realized we were going to be Stranded/Abandoned by the Airlines & our Government & when we contacted our Insurers & were informed that as we had taken out the correct Insurance prior to any Coronavirus or Pandemic we were fully covered under our Travel/ Holiday Insurance, I will add a Company that we have had this kind of Insurance with for many years

Today after many months of not agreeing with their Incorrect & stupid definition,  that we curtailed our holiday, when we were left stranded & abandoned for a further month abroad after our holiday had finished.

They have finally seen the light, & this is before we took legal action or contacted the Financial Ombudsman & they are now going to pay our claim in full.

How stupid they have been, they have now also agreed to compensate us for their stupid inefficiency, the compensation now covers our return flights, a cost we had never claimed in our original claim, because we would have had to pay to get home anyway.

People may say the Travel Insurers are under a lot of pressure to pay claims that Airlines & Tour Operators should be paying, that is their problem to sort out, but to refuse paying legitimate claims is taintermont to fraud,

I don't here these Insurers saying how many Millions they have saved when there was virtually no cars on the road, so very little car accident claims, or homes being occupied all day so leaving the gas on when you went to work & returning to find your home burned down or burglaries just did not happen.

They need to get their act together & pay legitimate claims from the " little people " who pay their premiums in good faith, thinking they are covered, & go after the Corporates who are bending the rules to suit themselves at our expense.

I will let you know when the payment hits our bank & no doubt a nice bottle of bubbly will be opened to celebrate. 
Title: Re: Travel Insurance
Post by: pilgrim on August 11, 2020
Well done! and good for you - for fighting back!!
Title: Re: Travel Insurance
Post by: unhappy on August 12, 2020
Thanks Pilgrim, just a further update today I received an email from them with a further apology & also increasing my compensation.

My advice to anybody if you beleive you are in the right & no matter how big the Company is, fight them.
Title: Re: Travel Insurance
Post by: angiebabes on August 12, 2020
Unhappy,please advise which company you took your insurance out with.
Title: Re: Travel Insurance
Post by: unhappy on August 14, 2020
I will supply the name of the Ins Comp, I am just waiting for our claim payment to hit our bank.
Title: Re: Travel Insurance
Post by: unhappy on August 27, 2020
Hi everybody & again thank you for your comments, I can now disclose who the Insurance Company concerned is, but just to add how inefficient they have been they have now not only paid our claim in full but have over paid the compensation they promised us. ( "of course we will inform them ") .

The company is UK Insurance, the problem is they are owned by RBS & supply Insurance to a plenitude of  Companies like other banks, building societies, supermarkets etc so be aware.

We will now be looking for a sole travel Insurance company on renewal.
Title: Re: Travel Insurance
Post by: Tanemera on August 27, 2020
It was UK Travel Insurance who I renewed with through my Nationwide FlexPlus account (£13/month).  As I reported earlier on this topic, they were confused over whether I would be covered if I booked a one way flight.  They said "yes", then retracted and said "no".  So I wrote to them and explained the possible difficulty in  booking a return flight for 90 days in the future.  They phoned me and said they had reviewed the situation at the highest levels and now understood the situation.  They assured me that it would not be a problem provided I booked a return flight asap after arriving at my destination.  I asked for this in writing which they refused, but assured me there was a note on my file plus a recording of our discussion.  So it remains a bit vague, but acceptable. 

I think the UK Travel Insurance deal I have through Nationwide is excellent (other banks and groups have similar deals).  "Free" worldwide travel insurance but plus £65 for being of a certain age and another £108 for extending to 90 days. (I also have to extend my UK property insurance for 90 days unoccupancy - worth remembering this).  Plus I have free car breakdown/recovery insurance throughout UK and Europe (saving me over £100 on my usual cover) and mobile phone insurance. It's reassuring to know that I can have this insurance regardless of age and they seem to be very reasonable on medical surcharges.

It will be interesting to hear from you Unhappy regarding your efforts to obtain insurance from a specialist company.  I tried several for annual multi-trip insurance and all had restrictions on the period (mostly 30 - 45 days), age (mostly 75-79). or total  number of days per year (120).  I had decided to take single trip insurance, which was available but expensive, when I was recommended to Nationwide.
Title: Re: Travel Insurance
Post by: unhappy on August 27, 2020
We also obtained our travel insurance through our Nationwide accounts & also paid at extra premium for over 30 days which is the norm the same with our home insurance with Lloyds bank.

It is a little unsettling that they will not put the return flight info in writing, thus giving them any excuse to refuse any claim like they did with us.

One other thing once you reach the age of 70 which we are now both over, free insurance via Nationwide / UK Insurance ceases.
Title: Re: Travel Insurance
Post by: Tanemera on August 27, 2020
Yes Unhappy, "free" insurance ceases but you only pay a small amount to extend this indefinitely.  I pay £65 as I am over 75.  They have clients over 100!

If you are concerned about the situation regarding return flight booking, give them a call on 0800 051 0154    and ask them if they would allow you a concession on this.  Make a note of the agent's name and time/date of the call and you should be OK as all calls are recorded.  They seem to be aware of the anomaly but changing the rules would be too complex, which is understandable as they probably work with several underwriters..
Title: Re: Travel Insurance
Post by: unhappy on August 27, 2020
Tanemera, you must have got a good deal out of them, our premium is over £200.00 & my wife was 70 Dec 2019 & our renewal was Nov 2019.

We spoke to 5 different people at UK Ins & if it was not for one lady working there who did not agree with their own decision, I doubt that our claim would have been paid.
Title: Re: Travel Insurance
Post by: Tanemera on August 28, 2020
I don't understand why you are being charged so much, Unhappy.  As I said, I am over 75 (as is my wife) and the fee is £65 total for both of us.  Add another £108 to extend from 30 to 90 days.  Total £173 plus, of course, the £13/month fee for the Nationwide FlexPlus account.  Total £329 pa for worldwide insurance, age over 75, multiple 90 day trips.  Even if I could get this level of cover from a regular insurance company (which I can't) it would be significantly more expensive.
Title: Re: Travel Insurance
Post by: unhappy on August 28, 2020
Tanemera, our cover for that £200+ is for European cover only, I am going to go back to them & ask them why we have been charged at all, my wife is the policy holder & when she renewed the policy she was only 69
Title: Re: Travel Insurance
Post by: el presidente on August 28, 2020
Tanemera
The Nationwide FlexPlus Account insurance seems an excellent deal! Do you have to hold the account for a set time before you qualify for the insurance?
Thanks
Title: Re: Travel Insurance
Post by: Tanemera on August 29, 2020
No, El Presidente, you don't.  In fact I phoned the underwriter, UK Insurance, first on 08000 51 01 54 and explained that I wanted to take advantage of the Nationwide FlexPlus  travel insurance deal but that I did not yet have an account.  Allan went through all the details, quoted me for the age waiver and the 90 day extension, gave me a reference number and asked me to call back when I had a Nationwide account number.  I then opened my FlexPlus account on line, got an account number and called him back.  I charged my extras to my credit card.  I then arranged for £13/month to be transferred monthly from my normal bank account to my FlexPlus account and this was first debited at the end of the following month.
Title: Re: Travel Insurance
Post by: unhappy on August 29, 2020
They also did a flex account with free Insurance, but they have stopped this for new customers.

You can now only get the flexplus account
Title: Re: Travel Insurance
Post by: el presidente on August 29, 2020
Thank you Tanemera
Title: Re: Travel Insurance
Post by: blarer on August 30, 2020
To get people travelling again wouldn't a simple solution be to make Governments make it mandatory for Insurance Companies to provide cover for people travelling against their Foreign Office advice. I wonder what percentage of people who take out travel insurance make claims, I suspect it's quite small. so the risk to the insurers would be small.
Title: Re: Travel Insurance
Post by: nophead on August 30, 2020
Why would governments do that? The UK government doesn't want people to travel overseas and is making it as hard as possible.
Title: Re: Travel Insurance
Post by: Tanemera on August 30, 2020
I understood the Canarian government were guaranteeing visitors full medical cover for Coronavirus.  This is via the French company AXA  and runs until late 2021.
Title: OASIS
Post by: LucyW on August 30, 2020
The Oasis have posted a notice on their website to inform that they are closing the premises 2nd Sept. It would appear to be a permanent closure from the tone of the notice. A massive blow for LG tourism.
Title: Re: Travel Insurance
Post by: blarer on August 30, 2020
The Canadian Government are, but if you travel against the Foreign Office advice of only essential travel your travel insurance is null & void.
Title: Re: Travel Insurance
Post by: pilgrim on August 30, 2020
Oh I hope not, we have been going there for nearly 20 years! Tennis then more recently bowls.
Remember young Olivier now a bit older, but always so welcoming, and recent years her boyfriend on the corner patio bar.
They have also spent some money in recent years since the Old man died, refurbishing and new pool area.
Very sorry to hear, a little jewel in the village with stunning views!
Title: Re: Travel Insurance
Post by: nophead on August 30, 2020
You can get travel insurance for trips against fco advice here: https://www.staysure.co.uk/fco-advice-travel-insurance/

No idea how much it costs.

Title: Re: Travel Insurance
Post by: Tanemera on August 31, 2020
I found the link to the Canarian governments Covid insurance for visitors.....

https://www.schengenvisainfo.com/news/spains-canary-islands-to-provide-travel-insurance-for-tourists-in-case-of-covid-19/
Title: Re: Travel Insurance
Post by: cs on August 31, 2020
Just renewed our annual travel insurance policy with Staysure 15 months for the price of 12 until 3 September and paid and extra £31.20 for European Travel Advice Extension Cover, which covers you for when the FCO advice against all but essential travel, for everything except whatever the FCO are advising against travel for. Use code FB15 for 15% discount
Title: Re: Travel Insurance
Post by: Tanemera on September 01, 2020
I tried Staysure and they would only do 35 days on an annual multi-trip policy for over 70's. 

I also tried Goodtogo, Insure-and-go,,MoneyUK, Saga, MPI, Confused.com, AllClearTravel, Alpha, Explore Insurance, NFU, Age UK, Direct Line, OK, JD Travel, FreeSpirit, all a for 90 day, multi-trip, over 75 policy.  Only MPI (one 90 day trip only, but negotiable) came close, along with Saga (who have a max of 120 days total p.a).  Most of these were for Europe only.

The only one who met my requirements for multiple 90 day trips, over 75 (no max), worldwide was Nationwide.  In fact, the total cost for my annual multi-trip policy is significantly less than all of the above wanted fro a single trip policy. 
Title: Re: Travel Insurance
Post by: blarer on September 02, 2020
Does anyone know of a Travel Insurance company that provides cover for travel against Foreign Office advice for essential travel only ?
Title: Re: Travel Insurance
Post by: Tanemera on September 03, 2020
Did you look at my post #32, Blarer.  This could possibly be a solution.  My insurance excludes cover for Coronavirus but I am not clear is just for the health cover or if it also excludes baggage, cancellation, etc. as well.  Probably best not to ask. 
Title: Re: Travel Insurance
Post by: cs on September 04, 2020
Yes Blarer - see my post above, Staysure, it was an add on, an extra £31.06 on our annual travel insurance policy, weíre now covered for everything the policy covers except Covid. The 15 months for the price of 12 has finished but you might still get 15% discount with the code. Weíre under 70 and apparently there are restrictions for over 70ís but not sure if itís more than length of stay as I didnít look.
Title: Re: Travel Insurance
Post by: el presidente on September 04, 2020
Unfortunately the FCO are advising against all non essential travel to Spain (includes the Canaries). As a matter of interest, a quote from Staysure's website;

"Keep an eye on the FCOís travel advice, as itís changing rapidly at the moment. Itís important that you check your destination is safe to travel to before you go. Your cover would become invalid if you decided to go on holiday while your destination is unsafe. Even if advice changes while youíre on holiday, you wonít be covered if your destination was listed as unsafe when you travelled".

Title: Re: Travel Insurance
Post by: nophead on September 04, 2020
I assume that means their normal insurance, not the policy they offer that explicitly covers you for travel against advice but not for the reason the advice is for. So in this case you would only not be covered for covid.
Title: Re: Travel Insurance
Post by: Tanemera on September 04, 2020
Yes, CS, when you reach 70 you will find very few insurers who want your business.  I am over 75 and it gets worse!  Foreign car hire also becomes more difficult, particularly in the USA.
Title: Re: Travel Insurance
Post by: Georgie on September 04, 2020
If you think we in the uk have it bad

Been to cambridge hospital today to check out my ears and it was an American doctor

She said 30 thousand usd for 4 night stay in hospital for covid 19

Blimey xx
Title: Re: Travel Insurance
Post by: unhappy on September 04, 2020
Answer is don't go to the USA, their is only a nutter in charge over there, Tenerife is much better anyway
Title: Re: Travel Insurance
Post by: nophead on September 04, 2020
Decided not to go to USA again many years ago. Their border officials are not welcoming and just too much hassle after 911.
Title: Re: Travel Insurance
Post by: blarer on September 05, 2020
Hypothetical question. If an Ex Pat with many years of legal living in Spain was to visit the UK without travel insurance and needed medical care would the NHS charge for this care ?
Title: Re: Travel Insurance
Post by: cs on September 05, 2020
as a visitor youíd have to pay but if you were returning to live in the UK you wouldnít have to pay
Title: Re: Travel Insurance
Post by: blarer on September 11, 2020
It seems to me that a major stumbling block in getting people travelling again is the Foreign Office advising on only essential travel thus invalidating travel insurance policies. Isn't about time pressure was put on the Insurance companies to provide policies that cover the Foreign Office advice for all age groups to help the tourist industry recover. Quarantine isn't a problem for a lot of people but lack of travel insurance is. I can't really see an improvement in things until A) there are insurance policies for all age groups that covers Foreign Office advice or B) there is a vaccine.
 I wonder if there are any figures published that show what the Insurance companies made form the premiums and how much they paid out in claims.
Title: Re: Travel Insurance
Post by: nophead on September 11, 2020
Who is going to apply pressure to the insurance companies? The UK government won't because they don't want us to travel.

I will be cancelling my policy and going with staysure if I go at all. Not too bothered going without any insurance if I have to as the EHIC card should cover medical problems and as the flights were only £25 each way times two I can afford to lose that. I own the accommodation and it has buildings and contents insurance so what else can go wrong? I have never claimed on an any insurance policy in my life.
Title: Re: Travel Insurance
Post by: angiebabes on September 23, 2020
Anyone know of insurance company covering over 70ís for six months, with covid cover to a country FCDO advise not to travel to, ie Tenerife in Spain ? Have tried Staysure, defacto, comparison sites and canít find any.
Title: Re: Travel Insurance
Post by: nophead on September 23, 2020
I doubt there is one for Covid when the advice for not travelling is explicitly due to the risk of Covid.

To encourage people to travel the Canarian government have a policy to cover just Covid: https://www3.gobiernodecanarias.org/noticias/turismo-suscribe-una-poliza-de-asistencia-en-viaje-que-cubre-la-cuarentena-de-los-turistas-en-las-islas/ (https://www3.gobiernodecanarias.org/noticias/turismo-suscribe-una-poliza-de-asistencia-en-viaje-que-cubre-la-cuarentena-de-los-turistas-en-las-islas/). I have no idea how good it is.

Title: Re: Travel Insurance
Post by: blarer on September 23, 2020
No, been trying for months. Perhaps when people top renewing or buying policies and the Insurance Companies start to lose business some might start appearing. With so many people out of work it'll only be the over 70's that will be able to afford to travel would have thought it would be good market to target. I guess nothing much will happen until the Foreign Office changes it's advice or there is a vaccine.
 There was an article in a paper recently about a free Find-a-Broker service run by the British Insurance Brokers' Association ( 0870 950 1790 ) or www.biba.org.uk. Haven't tried it yet, but will do, doesn't seem much else about at the moment.
Title: Re: Travel Insurance
Post by: Georgie on September 24, 2020
A TUI advert last night on television said they include covid insurance if you book with them

Not sure if they are going to tenerife though
Title: Re: Travel Insurance
Post by: blarer on September 24, 2020
Usually Covid Insurance cover is only valid if the place you're staying in has a VV licence or you own it.
Title: Re: Travel Insurance
Post by: Edward Bear on September 24, 2020
Don't confuse him blarer as it is only a signal to put some more useless claptrap on the website.
Title: Re: Travel Insurance
Post by: Georgie on September 24, 2020
Edward

I rang tui to discuss the royal sun apartment and the tui hotel and it was covered

Even though I have not read the small print

Rather than having a moan read it or like the good old days send your weekly jokes

Negative comments are boring
Title: Re: Travel Insurance
Post by: blarer on September 24, 2020
Did TUI say they also supply cover for travelling against Foreign Office advice ?
Title: Re: Travel Insurance
Post by: unhappy on September 25, 2020
Although we always book our holidays independently, we booked yesterday with Tui at the Royal Sun for a 2 week break next month.

A few reasons why, we wanted a break, it was very good value for money but the main reason Tui were offering the same Insurance as the Canarian Government via AXA insurance for Covid.

We do not agree with most of the things nophead says but we have worked very hard all our working life to have the income & freedom to enjoy it which we will even if it means wearing a mask everywhere.

Many of our business friends are struggling in Tenerife & we hope we can support them when we go over, we will be eating out every night, hopefully they will be open.

We have just watched the BBC news reporting on the pubs closing at 10.00pm, when are the young people in the UK going to learn, all they could moan about was it was not what they expected going to uni to be kicked out of the pub at that time, I always thought going to uni was to further your education, yes socialize but not every day & night of the week. ( I am glad they can afford it ) if they did not perhaps they would also not keep moaning about repaying their student loans. 
Title: Re: Travel Insurance
Post by: nophead on September 25, 2020
Well I feel sorry for students. In Scotland, where households can't mix they came from home to accommodation blocks of 12 with shared kitchen and bathroom. A good way to multiply infections by 12.

They can't socialise or even go to the pub or restaurants and, because they are a new household, they can't go back home either. All their lectures are online, so what is the point? They have to pay through the nose for accommodation and tuition but might as well be in prison.

Either the government is totally incompetent or they are deliberately going for herd immunity among students before letting them mix with the tutors or return to their parents.

University is where you meet people of similar intellect with similar interests. Normally fresher's week has organised events for meeting and mixing. When I went I did plenty of socialising, formed a lot of friendships, some I still have today and the government paid for the education, accommodation and beer money and was debt free. So I think the young today have it rough, even without covid.

Good luck walking up the hill or the steps to the Royal Sun in a mask.
Title: Re: Travel Insurance
Post by: unhappy on September 25, 2020
Why would I need good luck, I am not hiring a pedal car.

As for the Government being totally incompetent "your words" I suppose all the other Governments around the world are incompetent as well, because they blame young people for NOT being responsible & spreading the virus.

No doubt you are in the lunny camp along with the leaders in the USA, India & Brazil.
Title: Re: Travel Insurance
Post by: Samijoe on September 25, 2020
Unhappy, Iím sure you will not regret booking. Everything seems so much better in the sun. Forget the troubles and uncertainties at home for a few weeks   :)
Title: Re: Travel Insurance
Post by: unhappy on September 25, 2020
Thanks Samijoe, we will not, it has been our second home for over 30 years our friends get feed up with us talking about it, they say here they go they again talking about the big " T " , but we have many happy memories when our son was alive that's why we try to enjoy life to the full.

If we can get a rental we will be over for 3 months January onwards, unfortunately the house we rented last year the owner has decided to move to Tenerife and live in it, how inconsiderate of him.
Title: Re: Travel Insurance
Post by: Samijoe on September 25, 2020
You will hopefully find another lovely place for your stay in January. Canít imagine why the owner you rented from prefers to live in LG 😉Keep making happy memories.
Title: Re: Travel Insurance
Post by: unhappy on September 25, 2020
We will thanks
Title: Re: Travel Insurance
Post by: angiebabes on September 27, 2020
Has anybody any information on how to get cover to go to TENERIFE whilst FCDO advise against travel and caŮarŪan government only insuring Covid if you are in legal rental accommodation or a hotel? Anyone with their own place found insurance for over 70ís long stay, short stay, anything? Thank you
Title: Re: Travel Insurance
Post by: nophead on September 27, 2020
Can't you use the staysure insurance for everything but Covid and the CaŮarŪan government one for covid? That is the idea behind it, or do staysure not cover over 70?
Title: Re: Travel Insurance
Post by: Tanemera on September 27, 2020
I believe Staysure limit their annual travel insurance to 30 days for age over 70, but their single trip insurance is OK and competitive.  A friend of mine has had annual cover with Staysure for several years and they didn't exclude Covid when he renewed in August.  Not sure if the FO advice affects this.
Title: Re: Travel Insurance
Post by: nophead on September 27, 2020
Staysure have a special policy to travel against FCO advice and that explicitly excludes the reason for the advice, so covid in this case. I don't think any normal policies cover against advice.
Title: Re: Travel Insurance
Post by: Shifnalgirl on September 27, 2020
With regard to a comment Blarer made about BIBA (British Insurance...) we contacted them, they put us in touch with a company called Higos in the Uk, excellent cover for travelling against FCO, full Covid cover and pre exsisting medical conditions not cheap but well worth peace of mind we had quotes for a 93 day stay and a 55 day one we have gone with them as the Canarian government arrangement with Axa is 30 day max stay. Great service from Higos to!
Title: Re: Travel Insurance
Post by: angiebabes on September 27, 2020
With regard to a comment Blarer made about BIBA (British Insurance...) we contacted them, they put us in touch with a company called Higos in the Uk, excellent cover for travelling against FCO, full Covid cover and pre exsisting medical conditions not cheap but well worth peace of mind we had quotes for a 93 day stay and a 55 day one we have gone with them as the Canarian government arrangement with Axa is 30 day max stay. Great service from Higos to!

Yes thanks for this, they are getting back to me tomorrow, but as we were stuck in Tenerife during lockdown, we havenít been back in UK six months so they may not cover us! Fingers crossed. They are very thorough and professional
Title: Re: Travel Insurance
Post by: unhappy on September 27, 2020
Angiebabes, I have just seen the message you sent me, sorry I did not reply before but that airline were excellent.

I am trying to understand are you still in Tenerife & want a flight home, if so check with Tui they are doing flights one way from the 20/10, we have booked a holiday because they cover for covid.

If you want Travel insurance for the future, if you go on to staysure site there is a conversation with their CEO & Simon Caudwell the chap who is always on the BBC when they want travel info & the CEO clearly states from a question from Simon that they cover for travel against FCO advice & covid.

I have just obtained a comprehensive yearly quote from them for £196.00 for my wife & myself & we both have pre existing health problems also.

Hope this helps
Title: Re: Travel Insurance
Post by: angiebabes on September 27, 2020
Angiebabes, I have just seen the message you sent me, sorry I did not reply before but that airline were excellent.

I am trying to understand are you still in Tenerife & want a flight home, if so check with Tui they are doing flights one way from the 20/10, we have booked a holiday because they cover for covid.

If you want Travel insurance for the future, if you go on to staysure site there is a conversation with their CEO & Simon Caudwell the chap who is always on the BBC when they want travel info & the CEO clearly states from a question from Simon that they cover for travel against FCO advice & covid.


Thank you so much unhappy. I am so confused as I phoned Staysure and they said they wonít cover if the FCDO has advised against travel, but will cover for covid prior to travel, ie for flights or accommodation  paid for like hotels or rentals, BUT wonít cover if you are going to own property and whilst you are actually in a country not advised to travel to. However, Iíve been told by others that Staysure do cover so will phone again tomorrow as we are keen to use our flights booked prior to covid for October to spend our usual winter in Tenerife.

I hope you and your wife have a lovely time as Iím sure you will as TENERIFE is such a wonderful place for mind, body and soul and is our go to place to relax and enjoy life. Thanks for replying.
I have just obtained a comprehensive yearly quote from them for £196.00 for my wife & myself & we both have pre existing health problems also.

Hope this helps
Title: Re: Travel Insurance
Post by: unhappy on September 27, 2020
Hi Angiebabes I know how difficult this Insurance problem can be, it was myself who opened this subject post about how an Insurance company like UK Insurance tried not to pay a legitimate claim that they said they would pay on the 27/02/20 & it took us until the 12/08/20 for them to agree our claim was justified & pay us.

I will also contact staysure tomorrow & refer them to what their CEO has said in that interview.

And yes I agree Tenerife has been our second home for many years & we did invest hundreds of thousands of pounds there & still love the place.

If we get there in October you will be assured we will enjoy ourselves, also I have just booked a car for 2 weeks only £71.60, support the local companies & we will have plenty of masks & be careful.
Title: Re: Travel Insurance
Post by: Shifnalgirl on September 28, 2020
Ok so we had really had to drill Staysure down on this point but we got to the bottom of it in the end! So unhappy you are right about what their CEO says but unfortunately not the two together so they insure for Covid but only when travelling with FCO advice and they insure you to travel against FCO advice but will not cover you for Covid in this scenario, he said to us don’t know of anyone that would hence we then went to Higos and got full cover for the lot. So if you are going to Tenerife for a stay of over 30 days you will not be covered for Covid unless you buy the cover from a specialist. If the Canaries get removed from the FCO list then we will insure with Staysure because then the Covid cover kicks in until then we will stay with Higos
Title: Re: Travel Insurance
Post by: unhappy on September 28, 2020
Shifnagirl, Thanks for that info I will ring staysure & see what they say, reference your comments.

We still have our Travel Insurance & as you know my wife was in the Travel Industry for over 30 years & our closest friends still have their own specialised Executive Travel Company, so we get a lot of up to date info.

The reason we have booked to go to the Royal Sun was it was very good value & Tui are offering Covid Insurance as opposed to going Independently as we always have & will do so in the future.
Title: Re: Travel Insurance
Post by: angiebabes on September 28, 2020
Ok so we had really had to drill Staysure down on this point but we got to the bottom of it in the end! So unhappy you are right about what their CEO says but unfortunately not the two together so they insure for Covid but only when travelling with FCO advice and they insure you to travel against FCO advice but will not cover you for Covid in this scenario, he said to us donít know of anyone that would hence we then went to Higos and got full cover for the lot. So if you are going to Tenerife for a stay of over 30 days you will not be covered for Covid unless you buy the cover from a specialist. If the Canaries get removed from the FCO list then we will insure with Staysure because then the Covid cover kicks in until then we will stay with Higos

I too phoned Staysure again today as their website wording is ambiguous to say the least. I was again advised categorically as you say that they will not cover if you contract covid whilst away in Spain. Iím waiting to hear back from Higos who seem our last hope to be able to come over for the winter.

I got caught up in quite a nasty exchange on Facebook over the weekend by someone claiming to be a travel agent telling me I was spreading gloom and doom and preaching about Staysure not covering you for covid if contracted whilst in Spain. Some people on Facebook are really vicious when you are trying to be helpful and save people from possible catastrophic outcomes if they travel thinking they have cover and discover they donít.
Title: Re: Travel Insurance
Post by: unhappy on September 28, 2020
I have also phoned Staysure, this is what they say :-

They will cover you for travel against FCO advice, but there is a small extra charge for this.

They will NOT cover you for covid.

The maximum period they will cover is 5 weeks only & will not extend this if you are over 70.

I hope this helps everybody.

Title: Re: Travel Insurance
Post by: Shifnalgirl on September 28, 2020
Thanks both this stacks up with my research, tbh itís a bit of a minefield and like you Angiebabes I have been posting on Facebook just to try and be helpful and save people having to do all the research that we had to do to ensure we were fully covered. Sorry you received some abuse there are a lot of misconceived views out there! I hope Higos come good for you please let us all know
Title: Re: Travel Insurance
Post by: unhappy on September 28, 2020
Further to my last post I have also spoken to UK Insurance as we still have an annual policy with them, the one we claimed against when we were left stranded in Tenerife.

They will cover for everything except Covid, even travel against FCO advice for Covid, but will not pay for repatriation or extra accommodation if you catch Covid

Everything else on our policy is fully covered, now looking forward to our holiday because the Covid issue is either covered by Tui or the Canarian policies.
Title: Re: Travel Insurance
Post by: angiebabes on September 28, 2020
Further to my last post I have also spoken to UK Insurance as we still have an annual policy with them, the one we claimed against when we were left stranded in Tenerife.

They will cover for everything except Covid, even travel against FCO advice for Covid, but will not pay for repatriation or extra accommodation if you catch Covid

Everything else on our policy is fully covered, now looking forward to our holiday because the Covid issue is either covered by Tui or the Canarian policies.

Oh thatís good news Unhappy, Iím pleased youíve got covered ok. Unfortunately as we own our own property the government wonít cover us but Iím still waiting to hear back from Higos and will certainly report back.
Title: Re: Travel Insurance
Post by: angiebabes on September 28, 2020
Sadly I have received insurance quote tonight from Higos Insurance,  via email and they will not cover for covid19. They will cover to travel to a country the FCO have advised against travelling to, but without covid cover we cannot risk it. Very sad but must stay safe.
Title: Re: Travel Insurance
Post by: nophead on September 28, 2020
Doesn't an EHIC card cover health care or are you looking for repatriation cover, etc. ?
Title: Re: Travel Insurance
Post by: Shifnalgirl on September 29, 2020
Angiebabes I would double check this with them over the phone, I was at first confused with some of the wording but then they pointed me to the cover letter that said Covid cover up to £10 million, we are definitely covered so I am baffled why you are not the only thing I can think of is age? We are 51 and 57 I do hope you can get sorted.
Title: Re: Travel Insurance
Post by: angiebabes on September 29, 2020
Doesn't an EHIC card cover health care or are you looking for repatriation cover, etc. ?

Yes EHIC does cover but there is debate as to whether it will cover us after 31/12/2020. When I called the UK Office they said if a pensioner you would be covered but there is a question as to whether SPAIN will still accept the EHIC after that date, ie the hospital you end up in, all a grey area Iím afraid!
Title: Re: Travel Insurance
Post by: unhappy on September 29, 2020
All very good information it seems many Companies cover for travel against FCO advice but not Covid, I even rang a Company called Battleface they cover for war zones & dangerous situations, again cover for FCO but not Covid.

There are some Companies who say they cover Covid but, looking at their Customer Service rating I would not go near them with a barge pole.

"Which" say Nationwide is the most comprehensive Travel Insurance but an account is required & £750.00 a month deposited & now only the Flex Plus is available to new customers.

Angiebabes it might be worth giving them a call 0800 051 0154 as they might cover for new customers
Title: Re: Travel Insurance
Post by: angiebabes on September 29, 2020
GREAT NEWS - HIGOS INSURANCE DO COVER FOR COVID19 whilst travelling abroad!!!

I phoned this morning, spoke to Deborah, as the wording was ambiguous and she immediately said, ĎI know what youíre going to say............í and assured me we are covered for the winter for covid as well as the usual insurance cover.

Do phone them, they actually make the cover personal to your needs rather than blanket questions usually asked on all the websites.

Cost is up, a lot, but what can you expect in these difficult times.
Title: Re: Travel Insurance
Post by: unhappy on September 29, 2020
Hi that is good news, I did give them a call but they will only do one off long period policies 3/6 months, they will not do an annual policy but the cover is for FCO & Covid
Title: Re: Travel Insurance
Post by: Shifnalgirl on September 29, 2020
Angiebabes thatís great news we deal with Deborah as well she is excellent. Yes unhappy they do not do an annual policy but what they can do is a date related policy for a given stay (we had two quotes a 55 day period and a 93 day to suit our already booked flights) during the dates you are insured you can travel back and then return as much as you like hope this may help.
Title: Re: Travel Insurance
Post by: Samijoe on September 29, 2020
Really hope everyone planning a trip here manages to sort appropriate insurance. Our stay has been lovely, even wearing masks becomes routine. Had some enjoyable meals at Mamma Luciaís, Green Corner and Asturias as well as Jardin del Sol. Glasses of vino seem to have got larger !! Quarantine permitting we will be back December.