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Uninsured travellers believe the government will pay

Thank you for pointing that out @yorkshirecat
I think because so many of us are regular cruise travellers we forget about those that have never cruised or mountain climbed.

London

Slightly off the point, but it’s also worth cruise virgins knowing that you might need to pay extra on your insurance premium for river and ocean cruises. We have annual worldwide insurance and thought we had everything covered. However, when booking our first river cruise with Fred Olsen, they informed us that we should contact our insurers to see whether we would need additional cover. Indeed we did and I had to make an additional payment.

I was also surprised to learn that there is an additional premium to be paid once you trek above certain heights. (As I discovered when helping one of my sons to arrange his travel insurance at the airport before he flew off for a mountain hiking holiday!) It’s not just the dangerous sports that need extra cover.

Like you @Solent_Richard it is some years since applying for insurance from scratch not that it matters with the policy I have. You mentioned the United States and I said ‘Not just the U.S’ which you have shown to be correct by the form stating also Canada and the Caribbean which to the best of my knowledge that whilst being part of North America are not part of the U.S.

London

Fossil wrote:

Solent_Richard wrote:

Most insurance companies add an increased premium for travel to the United States
Yes they do, and not just the U.S

While it is a while since I ‘started from scratch’ for a quotation for an Annual Travel policy I seem to recall the question seem to centre around whether one intends to travel to Europe or Worldwide with a supplementary question for ‘Worldwide’ as to whether Canada, the Caribbean and the USA will be included…

As I say, it’s a while since I applied from scratch so correct me if I’m out of date.

Solent_Richard wrote:

Surely the ‘Health’ element of ‘travel’ insurance already occupies the highest percentage cost of the package.

Yes it does

Solent_Richard wrote:

Most insurance companies add an increased premium for travel to the United States

Yes they do, and not just the U.S

London

Fossil wrote:

What will happen after BREXIT, if it happens. Rumours are that health insurance for holidays will rocket as there is no EHC.

Surely the ‘Health’ element of ‘travel’ insurance already occupies the highest percentage cost of the package.

Most insurance companies add an increased premium for travel to the United States or, as I prefer to word it, offer a discount if your not a true ‘world’ traveller.

What will happen after BREXIT, if it happens. Rumours are that health insurance for holidays will rocket as there is no EHC.

London

Just a pointer from personal experience, I scratched my eye whilst in Corfu, and we were directed to an eye doctor, who did make the eye comfortable, when we asked about the European health card he replied’ I am a private doctor you may only use this in the hospital for free trearment’ it cost me 100 euros , I did have private insurance.CG

And here’s another more general point with some good advice from the Sales Manager at Citybond…

"Making sure that you have adequate travel insurance cover for you needs is not of SOME importance, it is of EVERY importance. There is a wide selection of policies available to choose from, with substantial differences in cover. The main areas to concentrate on are cancellation, medical and personal possessions. Policy summaries or feature tables illustrating these levels of cover should be available to you before you buy. Make sure that you have covered the full amount of money that you have paid for your trip so that you are not left with a shortfall should you need to cancel. Make sure that your valuable items that you are taking with you are covered by your house insurance or that you have enough single item limit on your policy. (With both of these sections you can extend this cover on request).

Our other piece of advice is never assume that an EHIC is all you need when travelling in Europe. The cost of repatriation is enough to make you shiver, even from the warmest climes"

London

Hi Gemma

I wasn’t aware of these kind of restrictions for residents in Malta, so I asked our partner insurance company Citybond to take a look at your point, and they have given an encouraging response:

"any travel insurance scheme you have arranged though Citybond Suretravel can be purchased by EU residents, has no age restriction for single trip policies and has fully integrated medical screening available online. You can also select Malta as your country of residency".

So you could maybe try them for a quote next time to give you peace of mind when you travel (also you get a 10% discount if you book online) http://www.silvertraveladvisor.com/Part … artnerInfo

Hope that’s helpful, Debbie

London
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