Travel Insurance

Cycle-touring, Expeditions, Adventures, Major cycle routes NOT LeJoG (see other special board)
LittleGreyCat
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Re: Travel Insurance

Postby LittleGreyCat » 20 Jan 2019, 7:13pm

One point I haven't seen raised on this resurrected thread is the EHIC card in the event of the dreaded No Deal Brexit.

Now, most of us probably hope that won't happen (at least, not at the end of March 2019) if we are planning to tour in mainland Europe this year, but it does occur to me that at least some of the insurance risk assessment may assume that the policy holder will be entitled to free medical treatment within the EU.

https://www.bbc.co.uk/news/world-europe-44850972 takes the tack of more or less "Well, it won't happen." but finishes with dire(ish) warnings.

This makes me wonder if we should be checking with the insurers to see if this will have any potential impact on existing cover - assuming, that is, that there are different premiums for EU and non-EU touring.

Edit: https://www.insurancebusinessmag.com/uk/news/auto-motor/insurers-on-no-deal-travel-insurance-will-continue-to-operate-in-the-normal-way-122570.aspx sugggests that it should be fine. Probably worth double checking with individual policies, though.

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Cunobelin
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Re: Travel Insurance

Postby Cunobelin » 20 Jan 2019, 8:52pm

This is the biggest problem at the moment, as no-one knows and the advice is different.

ABTA is a fairly good guide and their advice is:

European Health Insurance Card and travel insurance

The European Health Insurance Card (EHIC) allows any EU citizen to access state medical care when they are travelling in another EU country. In the event of a no-deal Brexit, UK registered EHICs will no longer be valid.

ABTA has always advised holidaymakers and business travellers to make sure they have appropriate travel insurance, whether they have an EHIC card or not, as there are limitations to EHIC.

When travelling in the EU and beyond, it is important you take out travel insurance and check that it covers your current circumstances, including any medical conditions. If you have an annual policy, make sure you check the Terms and Conditions and contact your insurance provider if you’re not sure.

Advice on travel insurance can be found here.



In October 2018 the Government proposed the The Healthcare (International Arrangements) Bill

It will establish the basis for a new arrangement allowing the European Health Insurance Card (EHIC) scheme to continue after 2020, subject to an agreement with the EU. EHIC grants UK nationals access to free healthcare abroad, and pays for 250,000 medical treatments each year.

For the 190,000 expat state pensioners who have chosen to live in the EU and those intending to retire to the EU, it will help by safeguarding reciprocal healthcare if there is no EU deal.

Lord James O’Shaughnessy said:

Whether on holiday, working or retiring abroad, British people want to know they can access the same high quality healthcare that they enjoy in the NHS.

This Bill will allow us to implement new healthcare arrangements with other countries – in the EU and elsewhere – so that UK citizens can travel with confidence.


The ABI has its own Statement
Releasing a comprehensive guidance covering both motor insurance and travel insurance, the ABI has offered an assurance that in the event that the European Health Insurance Card (EHIC) system is not replaced, travel insurance will still work as designed.

“Despite ‘no deal’ uncertainty about the European Health Insurance Card (EHIC), I want to reassure people that their travel insurance will continue to operate in the normal way when it comes to medical expenses, as emergency medical treatment is a standard feature,” stated ABI director general Huw Evans.

“Customers should always double-check their travel insurance policy meets their full needs.”



So the general picture (as with all Brexit) is confused, but it appears that if you ensure your insurance is valid and fully covers your needs and possible eventualities you are safe enough

LittleGreyCat
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Joined: 7 Aug 2013, 8:31pm

Re: Travel Insurance

Postby LittleGreyCat » 20 Jan 2019, 9:38pm

The other side of the coin is that previously you could "wing it" with no insurance knowing you still had the EHIC as a backstop.

Looks as though you now need health insurance if you go abroad to mainland Europe.

simonhill
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Location: Essex

Re: Travel Insurance

Postby simonhill » 21 Jan 2019, 10:42am

Reading all the stuff about the no EHIC, I would be a bit concerned about the validity of current travel insurance. All the assurances above come from trade bodies, travel bodies, etc. None of them are legally binding. Travel insurance companies are quite rightly fairly tough on sticking to their T&Cs and if your T&Cs say that you must have an EHIC card and use it if appropriate, then you would be breaking the rules.

I have just read my newly issued travel policy and it says "You must" get an EHIC.

This is all part of what I call the it'll all be alright on the night syndrome whereby on everything relating to Brexit we are assured, don't worry it will be OK, everyone will be sensible. Given that there are so many things to be sorted and given that we have very few people to do it, I would worry about many things falling through the cracks.

Although I think it will probably be OK, if it were me, I would get confirmation from my travel insurance company not a trade body, etc.

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CJ
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Re: Travel Insurance

Postby CJ » 21 Jan 2019, 7:04pm

I mentioned a comparison table of insurances I've been compiling. If you're interested it's avaialble to view and download from my Google Drive as an Excel spreadsheet (with links to insurers' websites) and PNG image (for those who can't open Excel).
Chris Juden
One lady owner, never raced or jumped.

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Graham
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Re: Travel Insurance

Postby Graham » 22 Jan 2019, 1:10pm

This topic now also saved, as a link, in :-
"Too Good to Lose - non-technical"

MrsHJ
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Re: Travel Insurance

Postby MrsHJ » 22 Jan 2019, 2:27pm

CJ wrote:I mentioned a comparison table of insurances I've been compiling. If you're interested it's avaialble to view and download from my Google Drive as an Excel spreadsheet (with links to insurers' websites) and PNG image (for those who can't open Excel).


Great job.

simonhill
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Re: Travel Insurance

Postby simonhill » 22 Jan 2019, 4:23pm

Yes, good stuff. I've bookmarked for future reference. Thanks Chris.

One correction, Insureandgo Gold annual is 90 day max trip length (well it is for me). This falls to 31 if 66 or over.

Given that many on this forum seem to be in the 60 plus bracket, the age thresholds are (very annoyingly) important.

Strangely my recently issued Insureandgo policy booklet doesn't mention the Budget or the Black policies, only Silver and Gold, although I can see them referred to on the website.

MrsHJ
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Re: Travel Insurance

Postby MrsHJ » 24 Jan 2019, 11:39am

CJ wrote:I mentioned a comparison table of insurances I've been compiling. If you're interested it's avaialble to view and download from my Google Drive as an Excel spreadsheet (with links to insurers' websites) and PNG image (for those who can't open Excel).


Have you looked at yellow jersey insurance? Looks good for those doing sportives etc

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Graham
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Re: Travel Insurance

Postby Graham » 24 Jan 2019, 5:35pm

MrsHJ wrote:Have you looked at yellow jersey insurance? Looks good for those doing sportives etc

CJ doesn't do sportives. CJ does cycling for transport, but definitely not cycling for sport.

MrsHJ
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Re: Travel Insurance

Postby MrsHJ » 25 Jan 2019, 5:55am

Graham wrote:
MrsHJ wrote:Have you looked at yellow jersey insurance? Looks good for those doing sportives etc

CJ doesn't do sportives. CJ does do cycling for transport, but definitely not cycling for sport.


Not sure if we are talking the same thing? It mentions sportives on this page....https://www.yellowjersey.co.uk/cycle-travel-insurance/

Nb their comparison page covers snowcard, CTC, sportscover direct and one I don’t think we’ve looked at which is dogtag. https://www.dogtag.co.uk