Medical insurance advice
We have normal MH insurance & Red Pennant breakdown cover with the Club. Typical travel insurance doesn't really apply to us when travelling in Europe. Even 'Independent Traveller' insurance isn't really appropriate when away for 2-3 months. Many of our
posessions are covered by our home insurance anyway. There is of course our EHIC cards, which are fine, unless of course you have a real medical emergency & require repatriation. All we really need is a medical cover only for longer periods than a standard
2-3 week holiday. Does anyone have any experience or advice in this area? Any advice would be very much appreciated!
Comments
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Red Pennant cover up to 185 days for single trip motoring and medical. When ever I have looked for alternative medical insurance for our two month trips I have never succeeded in finding anything that works out any cheaper, particularly if you have existing
medical conditions.David
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FrankCraig. Much depends how old you are, and you don't say.
When we were younger we could buy worldwide medical insurance - either an annual policy or long stay single trip - very cheaply. Single trip can be any length up to a full year and the insurance companies often refer to them as backpacker policies. At that time of life we never used Red Pennant.,
Now we are very old Red Pennant is actually the affordable one. All the others are now at our age very expensive .
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Yes, with being VERY (73 + 67) old (is that VERY old these days?) and having pre-existing conditions, Red Pennant is good for us too.
The fact that we only feel about 30 does not seem to be taken into account!!
Old? Still a young couple!
On thread, some credit and bank cards offer cover, which they seldom mention. It is worth checking out. I spent a considerable period in Azerbaijan, I had to buy my airline tickets on Barclay card and had to return eacn 3 months. This I intended to do anyway,
and it gave me free insurance.0 -
Some banks and building societies do indeed give free medical cover but as with all things you have to read the small print. In October we went to Brussels for a few days via Eurostar. We knew that Nationwide gave free cover so I phoned them. Unfortunately
they would not cover Margaret as 10 months previously she had, had a heart bypass operation so we ended up paying £60 for four days and that was the cheapest I could find!!! Come the anniversery of the operation they will be happy to provide cover free.I wonder if Red Pennant covers Azerbaijan
David
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You say you have Red Pennant. This is the club's foreign cover so if you have that then medical expenses should be arranged with that. If you only have Mayday which is the UK cover you need Red Pennant or similar as repatriation of a motor home from Europe,
if needed, is very expensive.0 -
I am starting to fall out with Red Pennant as they will not cover my wife since she has been put on Warfarin, I have had to take out a seperate policy for her, so I may well look elsewhere to cover the both of us.
Admiral
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Admiral does not say where he is going, also things may have changed, plus it is a very specific exclusion. However, when we went abroad in 2014 Red Pennant did not load my premium for pre existing medical conditions. It was the first time an insurer had
ever done that, so I questioned it to be sure I was covered. We were only going to France and that and a few other countries were exempted from most pre existing medical condition surcharges. They even pointed me to the appropriate bit of the T&C's so I could
satisfy myself I was covered.0 -
SteveL, we were not going anywhere exotic just France and Spain, after having Red Pennant Multi-trip for many years we were disappointed with the treatment that we had fron the Club
Admiral
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I am starting to fall out with Red Pennant as they will not cover my wife since she has been put on Warfarin, I have had to take out a seperate policy for her, so I may well look elsewhere to cover the both of us.
Admiral
Admiral
Does that mean they won't cover her at all or just any conditions arising from taking that medication? Margaret had her bypass January 2015 and I was suprised that Red Pennant were perfectly happy to cover her for our trip to France for a month in September.
David
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Atlas direct, have been using these people for at least ten years now. They will give you cover for as many days you want, go on their website and enter the days you require.
I have checked their web site (Atlas) , they do not cover anyone over 64 tears old, but thanks anyhow
Admiral
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Atlas direct, have been using these people for at least ten years now. They will give you cover for as many days you want, go on their website and enter the days you require.
I have checked their web site (Atlas) , they do not cover anyone over 64 tears old, but thanks anyhow
Admiral
Write your comments here...Sorry about that still a young 60 but wife is 64 and this year had to phone them but didn't cost ant more.
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I am starting to fall out with Red Pennant as they will not cover my wife since she has been put on Warfarin, I have had to take out a seperate policy for her, so I may well look elsewhere to cover the both of us.
Admiral
Admiral
Does that mean they won't cover her at all or just any conditions arising from taking that medication? Margaret had her bypass January 2015 and I was suprised that Red Pennant were perfectly happy to cover her for our trip to France for a month in September.
David
David, my wife was diagnosed last December with Atrial Fibrillation and was prescribed Warfarin, Red Pennant will not cover any issues relaing to the Heart. I find it quite stupid as two years ago I had a Aortic Valve Replacement, and they cover me with no restrictions. In 2015 we had to take out a seperate Policy to cover her which we did with a Insurance Company that the CC Club recommended, how is that for (sorry cannot put it in words here).the problem we had was that they would only cover her for 31 days, where our RP cover was for 45 days. We then had to ammend our Tunnel for both trips in May and September and the site bookings that we had made that resulted in additional costs, so the CC Club totally messed up our holidays for the sake of one little pill. I have always on this Forum congratulated RP for their expertise and have recommended them to loads of people, not any more. When I questioned the Medical Screening team why, they said that they were told to tighten up on pre-existing problems. Grrrrrrrrrrrrrrr
Admiral
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Admiral
Your post above is interesting. I had AF and was put on Rivaroxaban whilst they sorted it out and I had a cardioversion. At the time we were not going abroad. We have a friend who has AF on a permanent basis and takes warfarin all the time but they only
go abroad for short periods. In 2015, eight months after Margaret's operation I rang the Club and fully expected an interrogation on this ( previously we had been through medical screening) and I was surprised to be told that they had simplified the process
and not putting people with normal age related ailments through the screening but just accepting those conditions. There is obviously a few conditions where that does not apply? Hope you get it sorted.David
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Eh...a very bold response AD, loud if not shouting
.No idea why the font came out like that but happy new year to you too!
David
I tried to edit it for you but only managed to change the colour.
David
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Most interesting. This forum is picking up the attributes of a M$Word document. If this website is coded using Mickeysoft products then its idiosyncracies will no longer come as a surprise.
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Anyone in the Insurance buisness answer the question
"" Why people who have problems diagnosed and are being treated, and taking there medication, are more expensibe to insure than those in the awning next door of the same age who are drinking, smoking and eating as much as they can, and are more likely to become ill through ignorance, or stupidity ?""
As the man said " Live long and prosper"
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