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Travel insurance. Do I have to pay also

Galway, Ireland
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Travel insurance. Do I have to pay also

Hi I always buy travel insurance when going to pdla. Am I covered for all hospitals/doctors. Do I have to pay money myself also if I am admitted to public/private hospitals for medical attention. Am confused looking at previous correspondence. Travelling from ireland. Would like clarification please. Thanks in advance. This is very important for people travelling.

Staffordshire...
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for Staffordshire
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1. Re: Travel insurance. Do I have to pay also

You would normally be covered on your insurance for admittance into a private hospital. You may have to pay the excess that you agreed when you took out the policy but you need to read the small print.

Sunderland
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2. Re: Travel insurance. Do I have to pay also

Hi

Make sure that if you have to go to hospital , get in touch with the insurance firm first ,if you can .

We were directed to a hospital by a holiday rep , after an accident , and told to pay and claim back on the insurance .

We did this , but because we did not inform the insurance company first and ok it , they refused to pay out .

As already said , check the small print .

Erith, Kent
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for Mijas, Sitio de Calahonda
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3. Re: Travel insurance. Do I have to pay also

Don't forget to take your EHIC card, available free from the NHS in the UK, here's a link to the Irish version

citizensinformation.ie/en/…e111.html

Staffordshire...
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4. Re: Travel insurance. Do I have to pay also

I'm glad this post got reinstated. Goodness knows why it was a closed post first thing this morning. Why on earth did someone report it?

London England
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5. Re: Travel insurance. Do I have to pay also

So is Teneriffe part of the EU? I've always found the EU/NHS thing confusing. So according to what Nick Clegg was arguing a few weeks ago during a televised debate with Nigel Farage, as EU members we have the right to free and instant healthcare in any EU nation, but in saying that it's recommended to carry the NHS card when travelling to Spain/Greece etc just in case you need hospital or clinic care. Surely if you have a UK passport then that's enough? Can someone clear this up please?

Thanks.

Staffordshire...
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6. Re: Travel insurance. Do I have to pay also

This is what it says on the website .....

"Your European Health Insurance Card (EHIC) will enable you to access the necessary state-provided healthcare in Spain at a reduced cost, or sometimes for free when on a temporary stay. The Spanish health authority determines what treatment is considered necessary and cannot wait until your return to the UK."

The EHIC is free to apply for and you would be advised to apply for it and take the card with you. Better still take out private insurance. It's not expensive if you search online and most people can get it for around £12-15 for their stay. For peace of mind it's worth paying for it.

Edited: 26 May 2014, 19:08
London England
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7. Re: Travel insurance. Do I have to pay also

So being in the EU is NO guarantee that you will get free healthcare as another EU state member without a EHIC card, unlike what Nick Clegg stated a few weeks ago. No wonder he just got a beating at the polls :)

Thanks.

Leeds
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8. Re: Travel insurance. Do I have to pay also

Other countries are nowhere near as accommodating as the UK when it comes to handing out free health care. As usual we play by European rules, other do not. I always pay for travel insurance. Anyone that doesn't for the cost of 3/4 beers is frankly mad. I have a European health card too and always travel with it. They are free and easy to get. I have never needed either the insurance or the card but no one knows what is around the corner so get insurance for piece of mind. Comparison sites offer great deals from reputable companies.

Tenerife, Spain
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9. Re: Travel insurance. Do I have to pay also

EHIC is for EMERGENCY treatment, broken leg, heart attack, severe sunburn - it does not cover illnesses/symptoms you already have before coming on holiday if you have a problem with these then you must use your travel insurance, otherwise the state hospital will refuse to treat you and that is where the bad press comes in. Check out the link below to see how to use your EHIC it gives a short video.

tripadvisor.co.uk/ShowTopic-g187479-i153-k74…

Hampshire, UK
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10. Re: Travel insurance. Do I have to pay also

I used to work in the travel insurance industry.

Let's say for argument's sake at the end of your holiday you got a tummy bug and were admitted to hospital with severe diarrhoea and vomiting, and missed your flight home.

Your EHIC will NOT cover the cost for your partner to stay on at the hotel, cost of their additional food and drink, their travel costs to visit you each day you are in hospital, taxi back to the airport when you are ready to come home, new flights home for both of you, new taxi to pick you up from UK airport and take you home.

Oh, and if you have a broken leg you will need 3 seats to yourself on the return flight. So you could end up having to pay for 4 seats for 2 people.

All this is assuming you are well enough to get on a commercial flight by yourself. I won't even go down the route talking about the cost of nurse/doctor escorted repatriations or air ambulances.

Or - if the worst happens (God forbid) - EHIC does not cover repatriation of remains. A terrible burden for remaining family (in UK or abroad) to have to deal with.

Three simple rules

1) Always take your EHIC

2) always buy travel insurance

3) Always tell your travel insurer about previous medical conditions - and if they exclude them, find another insurer.

It's really not worth the risk. If you fall ill, your insurer can and will check with your GP whether you have related previous medical history before deciding whether to cover your illness.

Last year my parents ended up stuck in Benidorm for an extra week when Dad suffered chest pains 2 days before they were due home. The bill for the angiogram alone was 10,000 euros. Plus the cost of the hospital bed at around 400 E per day (yes, really!). Plus cost of any other tests. Plus an extra week at their 4* AI hotel for Mum...maybe 400E. Plus last-minute prices for new flights home, another £400 for the two of them. Plus a new taxi home from LGW. Thank God they had travel insurance and had declared all previous history.

The other reason to have travel insurance? Cancellation. Let's say you have to cancel an upcoming holiday because you have become unwell and cannot travel - or a family member has passed away suddenly. Your holiday company won't give you your money back. The EHIC can't help either. Again, this is where travel insurance is worth it's weight in gold.

If you can't afford travel insurance to cover your previous illnesses, you won't definitely won't be able to afford the bills if you fall ill abroad....

I hope you have a great time. Travel safe, and insured :)

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