Health insurance required for EU entry

[Fisherman]

We got flooded last November, a foot deep throughout, and were not insured for flood. I changed our insurance to get more than 30 days unoccupied cover.
At the last minute an exclusion for flooding popped up, so I thought if we get flooded I'll just have to pay for it - and I did.
We're not all the same.

Really sorry to hear about your flooding, but I never meant or stated everyone was the same. People can genuinely forget to renew their insurance, or if living in a flood area insurance may not even be possible. But the example I gave some were insured so that was not the case.

 

[alcam]

We got flooded last November, a foot deep throughout, and were not insured for flood. I changed our insurance to get more than 30 days unoccupied cover.
At the last minute an exclusion for flooding popped up, so I thought if we get flooded I'll just have to pay for it - and I did.
We're not all the same.

Think a lot of homes are excluded from cover for flooding ?
Individual examples about those who are at it not necessarily relevant to general behaviour.

 

[r4dent]

Well stuff you lot then! Never fear. There are thousands of Rock God groupies on YouTube etc that will chip in to get me home! Or maybe if I fall off an alp and get splatted they will just be a shrine there for me and they can all do some kind of annual Pilgrimage. "Here lies (Whats left of him) the artist formally known as Rock God Baz.

Freddie Starr had a similar idea.
In the end a single fan picked up the whole tab and saved him from a pauper's grave in Spain.

 

[RSD7a]

Why we'll always buy insurance.

Wife and I were hospitalised in Turkey 2 years ago with Legionnaire's disease. We received round the clock care for three weeks in a private hospital, then given 72 hours recuperation in a 5* hotel followed by nurse escort on the plane (she flew out from UK) back to our house in Scotland (oxygen needed). The standard of care left our NHS in the shade. We've both since made a full recovery, thankfully. Doing the detailed LV claim docs on a smart phone from a hospital bed feeling very ill was stressful, but shelling out tens of thousands of ££s in hospital fees would have been infinitely worse. The hospital wouldn't discharge us until LV had paid the bill. Credit to LV, our annual insurance premium the next year was barely affected. Being a one off infection it's not counted, by them, as a pre existing condition.

 

[alcam]

Why we'll always buy insurance.

Wife and I were hospitalised in Turkey 2 years ago with Legionnaire's disease. We received round the clock care for three weeks in a private hospital, then given 72 hours recuperation in a 5* hotel followed by nurse escort on the plane (she flew out from UK) back to our house in Scotland (oxygen needed). The standard of care left our NHS in the shade. We've both since made a full recovery, thankfully. Doing the detailed LV claim docs on a smart phone from a hospital bed feeling very ill was stressful, but shelling out tens of thousands of ££s in hospital fees would have been infinitely worse. The hospital wouldn't discharge us until LV had paid the bill. Credit to LV, our annual insurance premium the next year was barely affected. Being a one off infection it's not counted, by them, as a pre existing condition.

The above would certainly be an incentive to get insured

 

[Winterskp]

For those people like me who still think insurance is a good thing and have a medical history, I just found this website that lists insurers who'll quote for longer trips, pre-existing conditions, and the over 80s. It's government sponsored, amazingly, but you have to approach each company directly.

https://www.moneyhelper.org.uk/en/everyday-money/insurance/use-our-travel-insurance-directory

 

[colinm]

I have used the company below for many years after being recommended to me by a friend with epilepsy, they have changed the way they operate over the years, but usually work out OK.

Travel Insurance

Get specialist travel insurance for pre-existing conditions with The Insurance Surgery. We provide specialised life insurance, learn more and get a quote today!

www.the-insurance-surgery.co.uk

 

[Winterskp]

I have used the company below for many years after being recommended to me by a friend with epilepsy, they have changed the way they operate over the years, but usually work out OK.

Travel Insurance

Get specialist travel insurance for pre-existing conditions with The Insurance Surgery. We provide specialised life insurance, learn more and get a quote today!

www.the-insurance-surgery.co.uk

Alas! Just been in touch with this company who tell me they only use Staysure for travel insurance. I've had seriously expensive quotes from them before, shan't look at them again! It's back to Nationwide then . . .

 

[Winterskp]

. . . but they did just email me a code (TIS20) to get 20% off a Staysure quote, which was very kind of them, so we'll see!

 

[Mr and Mrs Tupcox]

Bern trying to get travel insurance for last 12 months or more,
Conditions, prostrate cancer and lymph nodes.(had radiotherapy all good now psa .05
On hormone treatment, all so having treatment for Haemochromatosis ,
Osteoarthritis,
Most will not offer insurance and one wanted £750 fir 6 weeks travel to Australia..
So I went with out insurance,
Canceled nationwide will not cover so canceled our flex plus acount.

 

[2cv]

Many years ago I broke my arm in France. The cost of treatment and repatriation from that one event certainly exceeded all premiums that I will ever pay afterwards.
I had a work colleague whose son was badly injured in a fall with inadequate insurance. Had to sell his house and reach out to friends in order to treat and repatriate him. Others can be very adversely affected by having too little or no cover.

 

[RSD7a]

Somewhere on this forum or it's sister forum was mention of a company who gives age related travel insurance with no questions about existing conditions. Been searching but damned if I can find it now. I'm not imagining it, but it may just have been another forum entirely. Anyone else remember or can find it? Think it was a year -18 months ago I read it.

 

[TeamRienza]

The insurance you are searching for is probably the National Federation of Occupational Pensioners (NFOP) who offer a one price, (virtually) no health questions asked and is in conjunction with Civil service insurance company.
You need to be a member, costs about £25 annually. The policy starts on 1st march? and irrespective of when you join the premium is the same.
Used to be worldwide, but now an EU version is available at a lower price.
I have been a member for many years, but check the website as my info may be out of date.

Davy

 

[RSD7a]

The insurance you are searching for is probably the National Federation of Occupational Pensioners (NFOP) who offer a one price, (virtually) no health questions asked and is in conjunction with Civil service insurance company.
You need to be a member, costs about £25 annually. The policy starts on 1st march? and irrespective of when you join the premium is the same.
Used to be worldwide, but now an EU version is available at a lower price.
I have been a member for many years, but check the website as my info may be out of date.

Davy

Thatzit. Thanks Davy.

I think it's well worth a look, especially for people with pre existing conditions. Also, provided you start your policy before age 79 and keep it going, there's no age limit. Main condition seems to be you must be medically fit to travel. What you pay depends simply on your age. There's simply a table of charges.

https://nfoptravelinsurance.org.uk/

 

[TJBi]

Might be worth trying All Clear. They quoted my partner a premium very slightly higher than that quoted by Staysure but included all pre-existing conditions whereas Staysure would not cover those.

 

[jann]

Have a look at Red Pennant.
There aren't many questions to answer.

 

[Winterskp]

Thatzit. Thanks Davy.

I think it's well worth a look, especially for people with pre existing conditions. Also, provided you start your policy before age 79 and keep it going, there's no age limit. Main condition seems to be you must be medically fit to travel fit to travel. What you pay depends simply on your age. There's simply a table of charges.

https://nfoptravelinsurance.org.uk/

This looks brilliant, as long as (a) you're still under 80, and (b) you don't need trips over 65 days. Membership cost is nominal, and the insurance cost is unbeatable. If I wasn't 80 already, and didn't want 90 days trips in the EU, you'd have to hold me back!

 

[whitebeach]

Why we'll always buy insurance.

Wife and I were hospitalised in Turkey 2 years ago with Legionnaire's disease. We received round the clock care for three weeks in a private hospital, then given 72 hours recuperation in a 5* hotel followed by nurse escort on the plane (she flew out from UK) back to our house in Scotland (oxygen needed). The standard of care left our NHS in the shade. We've both since made a full recovery, thankfully. Doing the detailed LV claim docs on a smart phone from a hospital bed feeling very ill was stressful, but shelling out tens of thousands of ££s in hospital fees would have been infinitely worse. The hospital wouldn't discharge us until LV had paid the bill. Credit to LV, our annual insurance premium the next year was barely affected. Being a one off infection it's not counted, by them, as a pre existing condition.

Which company is 'LV'?

 

[marchie]

Which company is 'LV'?

London & Victoria Insurance as was, donkeys years ago - since rebranded as 'LV' in fluorescent green capitals - hard to miss!

Steve

 

[RSD7a]

London & Victoria Insurance as was, donkeys years ago - since rebranded as 'LV' in fluorescent green capitals - hard to miss!

Steve

L is for Liverpool I think. But it's academic since any internet search using "LV" will go straight to them.