Do you buy travel insurance when travelling overseas?

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Travel insurance can be costly and a challenge to arrange, especially if you have a pre-exisitng medical condition.

When you arrange a holiday do you also arrange travel insurance?  Or would you risk travelling abroad uninsured and be prepared to pay for any issues, if and when they cropped up?

 

Do you buy travel insurance when going overseas?

337 people have already voted, what's your opinion? Yes No

What are your views on this?

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Gili-153
23rd Nov 2014
1
Thanks for voting!
I generally take out insurance as it is a requirement of the package operator. However, theirs is usually very expensive, so I arrange my own cover.
Within Europe medical treatment (basic) is covered by your EHIC card, but commonly things like ambulances may not be! I know this from my experience in France.
Insurance also generally covers other factors such as delayed, cancelled or missed flights, and if you are skiing then loss of equipment, piste closure or avalanche.
Hilary Backhouse
20th Nov 2014
3
Thanks for voting!
We have just spent 3 weeks in America. Our travel insurance cost £400, which was actually the cheapest quote we could find. Some of the quotes were outrageous and actually were more than the holiday cost!
The most annoying thing about these companies is that they will not allow you to exclude certain conditions...you either have to exclude all or none of them.
My hubby was treated for Prostate Cancer 2 years ago and has been in remission ever since. He would have quite happily excluded that condition (which we think is the one that boosted the cost), as it is not the type of illness that would require emergency treatment. Does anyone know of a reasonably priced policy (is there such a thing for our age group?!) that allows you to pick and choose what you exclude? This £400 really spoiled the excitement of booking our first holiday in 8 years.
Archiebald
21st Nov 2014
1
Thanks for voting!
Hilary out of interest which company did you get your holiday insurance with in the end? thanks!
Hilary Backhouse
21st Nov 2014
1
Thanks for voting!
Hi Archiebald,
We used AllClearOptions.co.uk 🙂
moneybags
20th Nov 2014
2
Thanks for voting!
It seems expensive but compared to the price of the holiday its not too bad, I wouldn't travel without, thank goodness I've never had to claim anything in the 30 years I've been holidaying abroad.
Baxi
20th Nov 2014
2
Thanks for voting!
If you're in Europe you are covered but anywhere else is another story. It's always a good idea to think ahead I think. I've heard so many stories about people who have been robbed whilst overseas, loosing all their belongings.

Only last week my partner was involved in a robbery in Marbella. A gang of Moroccans went into a bar and stole handbags, wallets etc and when he and his friend confronted them they were attacked. He ended up with a semi-detached retina, his friend with kidney damage and a burst ear drum ... You never know what might happen to you when you're travelling.
tigerlily
20th Nov 2014
2
Thanks for voting!
Haven't bought travel isurance for years as I am covered by my bank card or credit card depending on which one I use to pay for trip.
Robbinn
20th Nov 2014
4
Thanks for voting!
I always buy travel insurance when going overseas, wherever I am going. I have had two friends, with two different experiences:
The first (in her late sixties) was in Spain when on the second day suffered a TIA. She was hospitalized for a whole month, undergoing many different tests and was not allowed to travel for six weeks. Thankfully her insurance company covered everything (and her husband's extra expenses of staying on to be with her) until she was fit to travel.
My second friend was not so lucky - she had insurance but was in the USA when she broke her leg. She had not disclosed the fact that she had treatment for breast cancer four years previously and this invalidated her policy. Somehow they managed to pay for minimum treatment (which was very expensive) but the cost of getting home was horrendous as she needed so much space.
Crochetmad57
20th Nov 2014
3
Thanks for voting!
I paid £92 for my last trip to US in Oct. I have to have pre existing illness ins. It's criminal how much I have to pay. I wouldn't be without insurance but usually worry that I might need it, worrying if I'm fully covered for anything. I'm always hearing stories about people having bad experiences with insurance companies. I've never made any type of claim so not experienced anything myself. Let's hope I never have to .
Hilary Backhouse
20th Nov 2014
1
Thanks for voting!
That was a very cheap insurance. Which company did you use?
Hilary Backhouse
21st Nov 2014
1
Thanks for voting!
We used AllClearOptions.co.uk
Hilary Backhouse
21st Nov 2014
2
Thanks for voting!
I can't believe I answered my own question!!! Should have been a reply from Crochetmad57. That was a whopping senior moment I had 🙁
There doesn't seem to be an option to remove my reply!
Karen3231
20th Nov 2014
2
Thanks for voting!
That's, of course, was supposed to be 'cricket bat splint' sorry
Karen3231
20th Nov 2014
2
Thanks for voting!
Always buy travel Insurance. But, as I found out this year, one does not always get treated well or appropriately.

Broken knee in Nepal and being told they cant fly me home for 2 weeks! Refused to pay for my mobile phone calls caused by them phoning me!

Had to get myself home on a scheduled flight with a broken knee (all be it placed in a crocket bat splint by Kathmandu hospital supported with crutches) to my local hospital! Not good service.

Check and don't go for the easy option of a tour operators suggestion.
Archiebald
20th Nov 2014
1
Thanks for voting!
That is very bad service from that insurance company Karen especially when somewhere so far from home like Nepal. I would have thought they would want to get you home asap so they don't have to pay for hospital treatment outside of the UK?
Karen3231
20th Nov 2014
2
Thanks for voting!
You would have thoughts so Archibald, and the insurance was through recommendation of one of the UK's top Adventure Companies! They weren't any help either and also added to my mobile phone bill and stress levels! Over it now mentally but wary of travel insurance via operators now
2
Thanks for voting!
Hope you have recovered from your knee injury now Karen3231 🙁
Karen3231
20th Nov 2014
3
Thanks for voting!
Operation as success. Thanks for asking. Another year of Physio and I can resume reeking and fell walking. Being allowed to ride my horses again at Christmas-best present ever
Karen3231
20th Nov 2014
3
Thanks for voting!
Reekin! Trekking I mean. Typing on iPhone not good without glasses!
Archiebald
19th Nov 2014
3
Thanks for voting!
Always I do not think you can risk it although as we get older it is becoming more expensive. Wish a company would do good deals when people are in their 70s and 80s. My parents are in their late 80s and really struggle to get travel insurance at all now.
Jo Kingham
19th Nov 2014
2
Thanks for voting!
I have a pre-existing medical condition so get absolutely stung when it comes to travel insurance. I've learnt to shop around and have come across some sites that are better value than others but I always have to pay a huge amount to get cover.
Peter
19th Nov 2014
2
Thanks for voting!
I get worldwide travel insurance included with my Nationwide bank account so I'm always covered. I've had to make claims before for lost luggage and a skiing injury so wouldn't think of going anywhere without being covered. It's really worth shopping around though - I was amazed in the difference in price charged for the same level of cover by different companies. Some are a complete rip off!!
Hilary Backhouse
20th Nov 2014
1
Thanks for voting!
But does this Nationwide insurance cover pre-existing conditions? We were told no when we enquired.
Archiebald
19th Nov 2014
1
Thanks for voting!
Thats what we have found as well Peter. Its best to look at comparison sites and phone a couple of brokers as well.

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