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!

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