Over 80's Touring
God willing I will celebrate my eightieth birthday in November, thus falling out of my bank account provided International Travel insurance! I will have to prepare an alternative option before next year as I do not intend to cease taking my holidays in France yet awhile.
How have others coped? Any experiences, good or bad, would help my deliberations. Probably an 'unknown' at the moment is the effect that Brexit may have on reciprocal health matters.
Comments
-
Start saving !
Red Pennant will cover you - but there will be a serious price hike once you pass 80. But otherwise for personal/ medical insurance you can only use the well known comparison sites - Compare the Market, GoCompare and so on, and see what they offer you. Nothing will be cheap.
Happy birthday !
0 -
Sadly we have done our last trip to France his year we’re 83 & 85. We have used Red Pennant for years until this year, we felt we were being ripped off when price rose from £240 to £620 for 8 weeks, so we just went with Nationwide bank insurance. My wife had accident in a supermarket which really has knocked her back so we have decided that’s the lot.
0 -
I'm not so far if the big 80 either and our annual travel insurance also teminates then but I am beginning to feel as though I have been there, done that, got the T-shirt and else where is not a lot different. I may well be content to just tour in the country.
peedee
0 -
It seems the Club have abandoned the over eighties as far as travelling abroad and they no longer make it easy for those of us who have not quite got there by completely misunderstanding some fairly normal medical conditions. I would like to see the Club publish some evidence that older people and those with conditions like diabetes are at greater risk that those that never ever see a doctor!
David
4 -
I would seriously look at the limitations of EHIC if I were you. It’s for state care not any private care. If it came to medi vac home or life & death situ’s the individual would pick up the tab not EHIC. It screams out that it’s not an insurance replacement😕
2 -
But I think you are not yet 80, Harry.
The question is what to do after one reaches that age and there are better priced alternatives. For instance we are going across in a week's time - to see friends, so no caravan - the car is covered annually overseas with Green Flag and so we have taken out a single trip travel insurance policy with M&S (which actually means HSBC bank). It's not cheap, but the Red Pennant Personal Cover quote was simply ridiculous.
1 -
Thanks for the comments - all very interesting. I have taken out Red Pennant for thirty years or so, always as a twelve month cover just in case we decided to 'go again', but we never did. We have called on them on two or three occasions and were sorted very efficiently.
I will certainly shop around as I certainly don't want to stop yet awhile and UK traffic/motorways/weather etc destroys the holiday, for me at any rate.
My daughter has transferred to C & CC and it looks as if I will have to follow for economic reasons.
0 -
The cover based on the Nationwide FlexPlus Account has lost some of it's attraction after they are withdrawing the 3% interest paid on the first £2500, from November 2019. This interest contributed about £6 a month towards the £13 a month cost
0 -
What age range do they cover?
0 -
Sorry, but that is a bit misleading as general advice. It very much depends on what medical conditions you have between you. We were quoted and extra £255 on top of the "free" insurance to go to Europe which made Red Pennant look positively good value!!!
David
0 -
Although we've strayed away from the 80 plus problem, this discussion of health insurance is a worthwhile subject. We would echo DK's warning about generalization, and would add a warning about buying 'cheap'. You need to read the exclusions and conditions, as well as how the insurer is to be contacted in the event of a medical problem. Some of you may be aware of a recent case in which an insurance company refused to pay £37,000 cost of an emergency heart op because the claimant had had himself admitted to hospital.
0 -
Good point Chasncath when young and fit insurance is necessary to cover the 'rules', serious use in a health emergency isn't seen as a major likelihood. Over 80 and you realise that insurance is for a much more practical reason!
Car recovery etc is fairly simple to evaluate by careful reading of the documents, health insurance is a bit more difficult.
0
