weldted Posted April 20, 2018 Share Posted April 20, 2018 Hi, now approaching 70!! Who do you use for travel insurance for European travel. We are away for around six months in one go. Our LV policy only will cover for trips up 90 days. Link to comment Share on other sites More sharing options...
Ninian Posted April 20, 2018 Share Posted April 20, 2018 Hi, We use Holidaysafe Longstay. Link to comment Share on other sites More sharing options...
boyobaker Posted April 20, 2018 Share Posted April 20, 2018 HI We use NFOP National Federation of Pensioners. £275 for two persons. ONLY HAVE TO BE FIT TO TRAVEL. !2 MONTH COVER ALL COUNTRIES. Link to comment Share on other sites More sharing options...
Colinsburgh Posted April 20, 2018 Share Posted April 20, 2018 boyobaker - 2018-04-20 12:58 PM HI We use NFOP National Federation of Pensioners. £275 for two persons. ONLY HAVE TO BE FIT TO TRAVEL. !2 MONTH COVER ALL COUNTRIES. NFOP policy is an annual policy but the time away is limited. See below from website:. "NFOP Over 50’s Annual Travel Scheme The NFOP Travel Insurance scheme is available to all NFOP members aged between 50 and 79 years of age residing in the UK. Worldwide Cover, No declaration of medical conditions You must be ‘Fit to Travel’ defined as: If you had contacted your medical practitioner prior to departure, he/she would not have advised against travel and/or Travel is not for the purpose of obtaining medical treatment You have not been given a terminal prognosis Policy Benefits: Full Worldwide Cover No medical screening information is required No limit to the number of journeys A total of 183 days can be spent overseas during any period of insurance Any single trip can last for up to 65 days (45 days for Caribbean, USA or Canada travel) Winter sports cover up to 17 days Members can opt to include partners, spouses and children (until their 21st birthday) Pre-existing medical conditions are covered as long as members are fit to travel and not terminally ill" It is a good policy but not suitable for people taking extended holidays beyond 65 days. Peter Link to comment Share on other sites More sharing options...
Derek Uzzell Posted April 21, 2018 Share Posted April 21, 2018 This link lists providers said to offer ‘backpacker’ travel insurance policies with long trip lengths. https://www.money.co.uk/travel-insurance/backpacker-travel-insurance.htm There may well be restrictions regarding age and existing medical conditions (and the cost may be high), so reseaching the terms and conditions would be essential. Link to comment Share on other sites More sharing options...
david lloyd Posted May 31, 2018 Share Posted May 31, 2018 I was thinking the NFOP insurance may be an appropriate product for us but we would need more than 65 days. Most companies do have limits but also have facilities to increase the limit - usually for an additional fee - so I wondered if anyone using NFOP has been able to increase the length of stay and can also confirm the price stated above (£275 for 2 persons) is standard for this policy before I go ahead and join. Many thanks, David Link to comment Share on other sites More sharing options...
tugga Posted June 5, 2018 Share Posted June 5, 2018 I always use Staysure. We both have pre existing conditions (quite a lot actually) and I find them very reasonable. We are 69 and 68 though. Link to comment Share on other sites More sharing options...
Tinlizzie Posted June 5, 2018 Share Posted June 5, 2018 We have our travel insurance free through nationwide flex plus. You do have to declare conditions and length of stay and you get charged extra if it is over 30 days. Last time it was £130 for 90 days away and 1 condition I think. Link to comment Share on other sites More sharing options...
david lloyd Posted June 7, 2018 Share Posted June 7, 2018 tugga - 2018-06-05 4:23 PM I always use Staysure. We both have pre existing conditions (quite a lot actually) and I find them very reasonable. We are 69 and 68 though. Thank Cheryl, Did a quick quote online with Staysure which was quite good for the basic policy (about £250) but with the medical conditions and age came to £841 for 100 days over Dec to Mar. NFOP may still be a better option if I can ascertain whether they would do more than 65 days. David Link to comment Share on other sites More sharing options...
pottypam Posted June 8, 2018 Share Posted June 8, 2018 Try Caravan Club covers health and the van . If you take both, cover is for any trip up to 365 days and repatriation of vehicle if necessary. Covers existing medical conditions. You do have to answer several questions but if you are in reasonable health you will be fine. We are in our 70s and had no problems last year. Can’t remember the exact cost but it was definitely less than £400. Have used the service twice for smallish problems with the van (damaged exhaust and fuel leak) and the service was great. They found the garages and made the appointments. This year it covers you if your vehicle breaks down within 48 hours before the start of your holiday. Link to comment Share on other sites More sharing options...
david lloyd Posted June 11, 2018 Share Posted June 11, 2018 pottypam - 2018-06-08 9:57 PM Try Caravan Club covers health and the van . If you take both, cover is for any trip up to 365 days and repatriation of vehicle if necessary. Covers existing medical conditions. You do have to answer several questions but if you are in reasonable health you will be fine. We are in our 70s and had no problems last year. Can’t remember the exact cost but it was definitely less than £400. Have used the service twice for smallish problems with the van (damaged exhaust and fuel leak) and the service was great. They found the garages and made the appointments. This year it covers you if your vehicle breaks down within 48 hours before the start of your holiday. Thank pottypam, tried this last year but not only was the cost quite high then this year they wanted even more - can't recall the exact quote but in the realms of £600+. Naturally, everyone's circumstances are different so it's always quite hard to compare. David Link to comment Share on other sites More sharing options...
tonyishuk Posted June 11, 2018 Share Posted June 11, 2018 Not sure if you want to include the vehicle as travel insurance, or see that as recovery insurance. For health insurance, I am looking at web sites recommended by the Martin Lewis money saving site. Which has some feed back about slippery insurance companies that refuse to pay out,even after Omsbud have ruled against them for mispractice. Rgds Link to comment Share on other sites More sharing options...
michaelmorris Posted June 11, 2018 Share Posted June 11, 2018 We use EHIC Plus. They only cover stuff that's not already covered by an EHIC card. Very reasonable. Of course what will happen with EHIC cards post Brexit is anyone's guess ?? Link to comment Share on other sites More sharing options...
david lloyd Posted July 6, 2018 Share Posted July 6, 2018 Wow - we must be worse than either of us (or the doctors) thought. After clarifying exactly what we should be declaring as our medical conditions with the GP I spent a happy afternoon either online or over the phone with various insurance providers (including 'specialist' insurers) but have not even been able to secure a quote now! I've checked our pulse and BP and we both seem to be alive - we even managed to get round Sainsburys for the shopping without collapsing so thought we were in pretty good health but apparently not. Quite apart from the sheer high cost of one or two, there were others who wouldn't provide cover (including people like EHIC+) and one 'specialist' in pre existing conditions that could quote but only for 62 days in Europe. When informed that there are tens of hundreds of elderly people with medical conditions travelling to winter destination for up to 6 months he was astounded. So am at a significant crossroads now. I can keep trying other companies until I have exhausted all possibilities or face the thought of travelling just on the EHIC. I really should keep trying, I know, but it's just the thought of going through all the questions again and again and again and again...........you get the point. David Link to comment Share on other sites More sharing options...
Mike88 Posted July 6, 2018 Share Posted July 6, 2018 david lloyd - 2018-07-06 4:35 PM So am at a significant crossroads now. I can keep trying other companies until I have exhausted all possibilities or face the thought of travelling just on the EHIC. I really should keep trying, I know, but it's just the thought of going through all the questions again and again and again and again...........you get the point. David I wouldn't contemplate not having insurance. One month ago my wife was taken by ambulance to a hospital in Barcelona after collapsing with a stroke. There were no previous indications that this would happen. She was taken to a private hospital and, despite the fact the insurance terms and conditions stated that medical emergencies should be dealt with through the EHIC system, the insurance company paid up as well as for the flight home, an overnight hotel at Gatwick and my train journey to Southampton where my car was parked. ( Our holiday was not motorhome based). Total cost over £11000 and it could have been far far worse. In some areas of Spain for example most hospitals seems to be in the private sector where the EHIC card is not accepted. There must have been a State hospital in Barcelona but fortunately the insurance company (LV) realised it would have been inappropriate for my wife to be moved to a State hospital. Thankfully she is now on the mend but heaven knows what would have happened without insurance. Link to comment Share on other sites More sharing options...
david lloyd Posted July 6, 2018 Share Posted July 6, 2018 Mike88 - 2018-07-06 6:51 PM david lloyd - 2018-07-06 4:35 PM So am at a significant crossroads now. I can keep trying other companies until I have exhausted all possibilities or face the thought of travelling just on the EHIC. I really should keep trying, I know, but it's just the thought of going through all the questions again and again and again and again...........you get the point. David I wouldn't contemplate not having insurance. One month ago my wife was taken by ambulance to a hospital in Barcelona after collapsing with a stroke. There were no previous indications that this would happen. She was taken to a private hospital and, despite the fact the insurance terms and conditions stated that medical emergencies should be dealt with through the EHIC system, the insurance company paid up as well as for the flight home, an overnight hotel at Gatwick and my train journey to Southampton where my car was parked. ( Our holiday was not motorhome based). Total cost over £11000 and it could have been far far worse. In some areas of Spain for example most hospitals seems to be in the private sector where the EHIC card is not accepted. There must have been a State hospital in Barcelona but fortunately the insurance company (LV) realised it would have been inappropriate for my wife to be moved to a State hospital. Thankfully she is now on the mend but heaven knows what would have happened without insurance. I know it can be quite worrying mike88 - my brother-in-law suffered a heart attack whilst on holiday in Majorca some years ago and had to have a quadruple bypass before being flown home. Fortunately, he had insurance in place. What your experience does highlight however, is that the risks are not necessarily higher for people with pre-existing conditions and yet we can easily be singled out either for much higher premiums or, worse, no insurance cover at all. So, if it is the latter and we don't want to take the risk then our days of overseas motor homing are at an end. David Link to comment Share on other sites More sharing options...
rupert123 Posted July 7, 2018 Share Posted July 7, 2018 david lloyd - 2018-05-31 8:32 PM I was thinking the NFOP insurance may be an appropriate product for us but we would need more than 65 days. Most companies do have limits but also have facilities to increase the limit - usually for an additional fee - so I wondered if anyone using NFOP has been able to increase the length of stay and can also confirm the price stated above (£275 for 2 persons) is standard for this policy before I go ahead and join. Many thanks, David Have been with them for several years now. Policy is a limited stay one but is unbeatable for price if you have medical issues. Phone them they are very helpful. Link to comment Share on other sites More sharing options...
stevec176 Posted July 7, 2018 Share Posted July 7, 2018 I got my European annual policy with Saga for £147 and I have quite a few problems. Currently limited to 45 days but can extend to 90 with a max of 120 days in policy year. Last year I was with Staysure and would have renewed but their max period was 30 days and they wouldnt extend. By the way I'm only 66. Link to comment Share on other sites More sharing options...
Basil Posted July 7, 2018 Share Posted July 7, 2018 We changed to NFOP last year as we were finding the cost off other insurances with relatively minor problems, according to the specialist, were getting excessive, not had a claim so can't comment personally but those that recommended it to us have had to use it and found it exemplary. Also as you get older and suffer with more conditions the premiums for other insurances will only get worse, the NFOP insurance will take you on up to 79 years of age, BUT once you are on the scheme you can remain as long as you pay your premium each year. For us £255 for both of us per annum is an absolute bargain. Bas Link to comment Share on other sites More sharing options...
david lloyd Posted July 7, 2018 Share Posted July 7, 2018 rupert123 - 2018-07-07 11:33 AM david lloyd - 2018-05-31 8:32 PM I was thinking the NFOP insurance may be an appropriate product for us but we would need more than 65 days. Most companies do have limits but also have facilities to increase the limit - usually for an additional fee - so I wondered if anyone using NFOP has been able to increase the length of stay and can also confirm the price stated above (£275 for 2 persons) is standard for this policy before I go ahead and join. Many thanks, David Have been with them for several years now. Policy is a limited stay one but is unbeatable for price if you have medical issues. Phone them they are very helpful. Yes did phone them rupert123 - £641.11 with a maximum of 65 days so I asked if I could have two 65 day policies running one after the other but no joy. David Link to comment Share on other sites More sharing options...
david lloyd Posted July 7, 2018 Share Posted July 7, 2018 stevec176 - 2018-07-07 12:44 PM I got my European annual policy with Saga for £147 and I have quite a few problems. Currently limited to 45 days but can extend to 90 with a max of 120 days in policy year. Last year I was with Staysure and would have renewed but their max period was 30 days and they wouldnt extend. By the way I'm only 66. Thanks Steve - haven't tried Saga but will give them a call. David Link to comment Share on other sites More sharing options...
rupert123 Posted July 7, 2018 Share Posted July 7, 2018 david lloyd - 2018-07-07 9:41 PM rupert123 - 2018-07-07 11:33 AM david lloyd - 2018-05-31 8:32 PM I was thinking the NFOP insurance may be an appropriate product for us but we would need more than 65 days. Most companies do have limits but also have facilities to increase the limit - usually for an additional fee - so I wondered if anyone using NFOP has been able to increase the length of stay and can also confirm the price stated above (£275 for 2 persons) is standard for this policy before I go ahead and join. Many thanks, David Have been with them for several years now. Policy is a limited stay one but is unbeatable for price if you have medical issues. Phone them they are very helpful. Yes did phone them rupert123 - £641.11 with a maximum of 65 days so I asked if I could have two 65 day policies running one after the other but no joy. David I do not understand the #641 price, we only pay #295 for wife and myself. Link to comment Share on other sites More sharing options...
Basil Posted July 8, 2018 Share Posted July 8, 2018 david lloyd - 2018-07-07 9:41 PM Yes did phone them rupert123 - £641.11 with a maximum of 65 days so I asked if I could have two 65 day policies running one after the other but no joy. David Something wrong here! NFOP is a fixed price irrespective, so don't understand your quote of £641.11, the fixed price we paid was £275 this year for the both of us! Bas Link to comment Share on other sites More sharing options...
stevec176 Posted July 8, 2018 Share Posted July 8, 2018 My wife has just received her Insure and Go renewal and it has gone up from £90 to £160. The only thing that has changed is that she has had another birthday and is now 66. Big con, but we need it. Link to comment Share on other sites More sharing options...
Ronnieus Posted July 8, 2018 Share Posted July 8, 2018 NFOP. Was £195 for 1 person. No screening. Good luck. Link to comment Share on other sites More sharing options...
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