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travel insurance

Stotfold, United...
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2 reviews
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travel insurance

I suffer from a heart condition travel insurance is therefore expensive would the EHI card cover us in an emergency situation for medical requirements if needed in Tenerife

Erith, Kent
Destination Expert
for Mijas, Sitio de Calahonda
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11,843 posts
97 reviews
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1. Re: travel insurance

If you go to a public hospital rather than a private one it should but, you definitely need travel insurance too! Please don't travel without it, it could cost you dearly in that if you need repatriation or your family need to stay with you if you are hospitalised, then you would have to cover that cost.

I have several things wrong with me and my insurance premium has gone up over the years plus being over 60 doesn't help. Last year I went on all the price comparison sites and through www.Allcleartravel.co.uk - a comparison site that specialises in pre-existing conditions. I went through Quidco so got some cashback and took insurance with a company called Explorer Travel. They charged my OH and I £88 for 2 weeks in mainland Spain. This year, I'm coming to Tenerife for a week and they are charging £68 just for me, however, that was the best price I found.

I would never travel without travel insurance or the EHIC card (make sure its valid as it needs renewing every 5 years). Its not worth the risks, you only have to watch programmes like Emergency Abroad which looks at the hospitals and treatments in the Balearics to see how important it is.

cleethorpes
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11,533 posts
9 reviews
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2. Re: travel insurance

As said by CJB ,you really shouldnt travel without "Medical Insurance for Pre Existing Illness's " to run along side your general Travel Insurance .Things that can happen ,you may be presented with a bill for Ambulance services ,and though treatment "may " be covered by your EHIC it does not cover you for medication in lots of cases .Worst case situation you may need to be flown home ,and it maybe that its not a regular flight so high costs again would be incurred by yourself .Really i hope none of this is required but consider the price of the insurance against the costs of many thousands .

I too ,use All Clear and with health issues i have it comes to around £600 for annual trip cover and just over £400 for single trip .But i consider this as being an essential cost ,against what it could cost if anything should go wrong .

Shop around though for best prices and cover ,you could try Age Concern not just for oldies but younger ones too .Stay Sure is another ,

Tenerife, Spain
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16,971 posts
143 reviews
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3. Re: travel insurance

Many may have read it in both UK and Tenerife newspapers or seen on Facebook that a young man had an accident while on holiday in Tenerife at the end of January. He was on life support and his family wanted him back in the UK. I can only assume being a youngster he did not think insurance important but the family had to raise £30,000 for his return, that kind of money puts the cost of travel/medical insurance into perspective.

redqueenmusings.wordpress.com

London, England
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7,980 posts
76 reviews
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4. Re: travel insurance

Couldn't agree more with the comments made by the three previous posters. In addition to your EHIC it is IMPERATIVE you also have adequate private medical insurance.

My partner and I both have medical conditions, but I managed to get an annual premium for the two of us for about £93 from Flexicover. You need to shop around and it is a very tedious process, but quotes vary enormously. The difference in cost can be in £100's.

The insurance premiums seem to have risen considerably in cost in the past couple of years, so that is why you need to compare a number of companies. If you go away more then twice a year it is probably worthwhile to take out an annual policy.

There is a long thread from last year on the Valencia Forum with lots of company recommendations. I printed it out and picked a few companies from the list.

Bristol, United...
Destination Expert
for Puerto de la Cruz, Weston-super-Mare, Tenerife
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3,850 posts
166 reviews
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5. Re: travel insurance

Hi, my parents traveled by Saga, as insurance was included.

Erith, Kent
Destination Expert
for Mijas, Sitio de Calahonda
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11,843 posts
97 reviews
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6. Re: travel insurance

Did it include pre-existing conditions though Ricky? Most policies sold in conjunction with holidays don't include for pre-existing conditions and are pretty basic.

Bristol, United...
Destination Expert
for Puerto de la Cruz, Weston-super-Mare, Tenerife
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3,850 posts
166 reviews
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7. Re: travel insurance

My mother did have a pre existing condition. Not sure if she declared it. But I know they used Saga for a number of years because insurance was included. They didn't travel with anyone else.

Erith, Kent
Destination Expert
for Mijas, Sitio de Calahonda
Level Contributor
11,843 posts
97 reviews
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8. Re: travel insurance

If she didn't declare it she wouldn't be covered under her insurance. I've got several things wrong with me (all completely under control and most not needing medication) so I have to have full cover just in case things do go wrong, its starting to get expensive!

Rutland UK
Destination Expert
for Tenerife
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11,574 posts
20 reviews
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9. Re: travel insurance

If you took out an annual travel insurance and in the meantime you developed something , you will be covered , but always check this with your insurance just to be sure ..

I developed something and had to have several tests /scans etc ..I was discharged from the hospital after a few days , but still didn't have the results of a scan , but was fit to travel .. we reported to the insurance company and they said as long as this problem had occurred after we took out the insurance , I was covered ... to conclude this story , nothing untoward was found , and remains a mystery to this day 4 years later !

Sylla

Ireland
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569 posts
39 reviews
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10. Re: travel insurance

Direct insurance for us for pre existing