travel insurance?

arknor · 6 Oct 2022 at 14:08

Thekwango said:
doesn't cover all medical expenses though. travel insurance is still advised.

yea but if your pretty much in good health and not going extreme sporting your probably good.

It's a risk though, but how many medical treatments have people had in this country that weren't planned? it's pretty much in my eyes paying for something your 99% not likely to ever use

Thekwango · 6 Oct 2022 at 14:12

arknor said:
your probably good.

big ole risk to take that could cost you a serious chuck of change. but each to their own, if you'd rather not pay for it.

adidan · 6 Oct 2022 at 14:14

I always take it but then I like skiing.

For other trips I still take it, after seeing someone getting choppered off a ship to hospital and thinking "blummin hell I hope they have insurance" I pay it just for peace of mind.

Surveyor · 6 Oct 2022 at 15:42

arknor said:
yea but if your pretty much in good health and not going extreme sporting your probably good.

It's a risk though, but how many medical treatments have people had in this country that weren't planned? it's pretty much in my eyes paying for something your 99% not likely to ever use

Paying for something you're 99% not likely to ever use pretty much describes all insurance. My house is unlikely to burn down but I pay for insurance every year to be covered on the off chance it does.

arknor said:
if it's EU just get https://www.gov.uk/global-health-insurance-card

No idea why it's called "global" though...

Your own link says this isn't a replacement for travel insurance. It doesn't cover all health costs and it never covers repatriation costs. It also doesn't cover things such as:

Cancellation/curtailment
Missed departure
Delay
Travel abandonment
Baggage
Personal liability
Cash, travellers cheques etc.
Loss of passport

Cyber-Mav · 6 Oct 2022 at 15:44

Going india, last time i went and time before that i ended up with diaorrea which is probably standard exclusion for india.

Raymond Lin · 6 Oct 2022 at 15:45

Cyber-Mav said:
Going india, last time i went and time before that i ended up with diaorrea which is probably standard exclusion for india.

Not probably, more most definitely.

cheesefest · 6 Oct 2022 at 16:36

It really annoys me when people become ill or injure themselves abroad, didn't take any travel insurance out. Yet family and friends set up gofundme accounts for people to pay the mid 5 figure sum to take them home. Why should I pay towards someone who forgotten to pay £20-80 for travel insurance?

adidan · 6 Oct 2022 at 16:43

cheesefest said:
It really annoys me when people become ill or injure themselves abroad, didn't take any travel insurance out. Yet family and friends set up gofundme accounts for people to pay the mid 5 figure sum to take them home. Why should I pay towards someone who forgotten to pay £20-80 for travel insurance?

That's often struck me.

Oh please help our [random relative/friend] who went on an expensive trip to far away land and broke n number of limbs - now they can't afford the gazillion pound medical bill they ran up because they didn't take out insurance.

:rolleyes:

cheesefest · 6 Oct 2022 at 16:51

adidan said:
That's often struck me.

Oh please help our [random relative/friend] who went on an expensive trip to far away land and broke n number of limbs - now they can't afford the gazillion pound medical bill they ran up because they didn't take out insurance.

If they can afford a few grand for a holiday, then they can afford £50-80 for travel insurance.

Thekwango · 6 Oct 2022 at 17:08

cheesefest said:
Why should I pay towards someone who forgotten to pay

you shouldn't unless you want to, gofundme's aren't forced upon you. ignore and move on. moan less and life become's better.

Cyber-Mav · 6 Oct 2022 at 18:04

cheesefest said:
It really annoys me when people become ill or injure themselves abroad, didn't take any travel insurance out. Yet family and friends set up gofundme accounts for people to pay the mid 5 figure sum to take them home. Why should I pay towards someone who forgotten to pay £20-80 for travel insurance?

Lol where you getting 20 quid insurance from? All im seeing for 2 adults and a kid is 200+

M1k3H · 6 Oct 2022 at 18:12

I've had Nationwide Flexplus for a few years now. £13/month covers road assistance, phone insurance and travel insurance. If you use at least two of the products, worth it.

cheesefest · 6 Oct 2022 at 22:04

Cyber-Mav said:
Lol where you getting 20 quid insurance from? All im seeing for 2 adults and a kid is 200+

My insurance for my week’s holiday in Spain was £19. That was using a recommended insurer on MSE.

Raymond Lin · 6 Oct 2022 at 22:10

Cyber-Mav said:
Lol where you getting 20 quid insurance from? All im seeing for 2 adults and a kid is 200+

Even in the deep end of Covid when i went to Singapore, had to take out insurance for travel + Covid cover, it was like £10. I think the one i paid for Ireland in August was also under £20.

I can get a worldwide annual (minus USA and winter sports) for about £60.

bm_999 · 6 Oct 2022 at 23:27

as others have said declare it all, no body especially insurance companies want to pay out really

Cyber-Mav · 7 Oct 2022 at 07:53

thats a fact, having insurance gives peace of mind but getting insurance is the easy part, claiming on it is where the difficulties start. already seen with few companies i rang i cant get through to anyone so cant risk going with them. might not bother with the insurance this time round,

adidan · 7 Oct 2022 at 08:02

Cyber-Mav said:
might not bother with the insurance this time round,

Baldbloke · 7 Oct 2022 at 08:13

Before getting unwell I used to get travel insurance for twenty quid for a week.
Then i got diagnosed with cancer. When I was undergoing treatment the average travel insurance quote I got was six hundred pounds for a week in europe. Really simple to get. Just declare the condition and get the insurance. I don't think so. Robbing gits.

Then I tried a company called "insurancewith". Declare the condition then got presented with a form asking 64 questions asking details about it. These I answered as accurately as I could. Which was a real pain in the butt. Worth the effort though. I got a quote for £100. Never claimed on it so I couldn't vouch for them.

Cyber-Mav · 7 Oct 2022 at 08:40

That's the issue, going on trust pilot seems a lot of these companies dont pay out or make it very difficult.
Was looking at replacement passport thingy if its stolen and you would have to pay access per person and that doesnt mean insurance send you replacement passports. You still got to go through the emergency travel documents process on gov.uk and 100 quid per person. And when insurance access is 95 quid it makes ya wonder...

Surveyor · 7 Oct 2022 at 08:54

Cyber-Mav said:
That's the issue, going on trust pilot seems a lot of these companies dont pay out or make it very difficult.
Was looking at replacement passport thingy if its stolen and you would have to pay access per person and that doesnt mean insurance send you replacement passports. You still got to go through the emergency travel documents process on gov.uk and 100 quid per person. And when insurance access is 95 quid it makes ya wonder...

Buy better insurance.

https://www.moneysupermarket.com/travel-insurance/lost-or-stolen-passports/

Most travel insurance policies cover lost and stolen passports, or at least cover the cost of the replacements.

If you do lose your passport the insurance policy will waive the excess claim fee. This isn’t always the case, so it is worth checking.

Sometimes, travel insurance will cover costs like additional flights or extra nights in a hotel while you wait for your emergency travel document. This can be in place of or as well as the replacement fees – so make sure to read the small print.