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Offline unhappy

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Re: Travel Insurance
« Reply #60 on: September 25, 2020 »
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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.

Offline Samijoe

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Re: Travel Insurance
« Reply #61 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.

Offline unhappy

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Re: Travel Insurance
« Reply #62 on: September 25, 2020 »
We will thanks

Offline angiebabes

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Re: Travel Insurance
« Reply #63 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

Offline nophead

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Re: Travel Insurance
« Reply #64 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?

Offline Tanemera

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Re: Travel Insurance
« Reply #65 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.

Offline nophead

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Re: Travel Insurance
« Reply #66 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.

Offline Shifnalgirl

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Re: Travel Insurance
« Reply #67 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!
« Last Edit: September 27, 2020 by Shifnalgirl »

Offline angiebabes

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Re: Travel Insurance
« Reply #68 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

Offline unhappy

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Re: Travel Insurance
« Reply #69 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

Offline angiebabes

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Re: Travel Insurance
« Reply #70 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

Offline unhappy

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Re: Travel Insurance
« Reply #71 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.

Offline Shifnalgirl

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Re: Travel Insurance
« Reply #72 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
« Last Edit: September 28, 2020 by Shifnalgirl »

Offline unhappy

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Re: Travel Insurance
« Reply #73 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.

Offline angiebabes

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Re: Travel Insurance
« Reply #74 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.

Offline unhappy

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Re: Travel Insurance
« Reply #75 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.


Offline Shifnalgirl

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Re: Travel Insurance
« Reply #76 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

Offline unhappy

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Re: Travel Insurance
« Reply #77 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.

Offline angiebabes

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Re: Travel Insurance
« Reply #78 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.

Offline angiebabes

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Re: Travel Insurance
« Reply #79 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.

Offline nophead

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Re: Travel Insurance
« Reply #80 on: September 28, 2020 »
Doesn't an EHIC card cover health care or are you looking for repatriation cover, etc. ?

Offline Shifnalgirl

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Re: Travel Insurance
« Reply #81 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.

Offline angiebabes

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Re: Travel Insurance
« Reply #82 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!

Offline unhappy

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Re: Travel Insurance
« Reply #83 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

Offline angiebabes

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Re: Travel Insurance
« Reply #84 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.

Offline unhappy

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Re: Travel Insurance
« Reply #85 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

Offline Shifnalgirl

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Re: Travel Insurance
« Reply #86 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.

Offline Samijoe

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Re: Travel Insurance
« Reply #87 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.

Offline nophead

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Re: Travel Insurance
« Reply #88 on: October 20, 2020 »
Having looked at Higos, staysure, battleface and avanti I don't think any insurance policies actually cover covid against fco advice.

Battleface say they cover Coronavirus disease (COVID-19) medical expenses only but they also say they don't cover

Quote
b. Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2)
c. any mutation or variation of SARS-CoV-2

But these are just different names for Covid-19 and there are already at least 2 mutations, so it just looks like a con trick to me.

And Janet Anscombe said this recently:

Quote
I am involved in three claims at present against companies that have refused to pay out because the holidaymaker was travelling against official Government advice … despite the policy explicitly offering cover for those travelling against official Government advice


So we are contemplating going without insurance because the only cover we need is medical insurance and the most likely reason would be for covid. I think we will just underwrite ourselves as we can get hold of serious cash pretty quickly and have high limits on our credit cards. Should also get basic care from our EHIC cards.

Offline unhappy

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Re: Travel Insurance
« Reply #89 on: October 20, 2020 »
Don't know when you are traveling, but just looked at Jet2 for flights, they are not listing any until 01/11/20 & that may change, but what I did notice they are offering an all costs Travel Insurance policy, that includes covid & fco advice not to travel.

I don't know the price, it is for a single trip, the flights are cheap & I would think if you booked out & return flights they may offer this Insurance.