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14 Mar 2019
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TOPIC: Long stay travel insurance for 75+

Long stay travel insurance for 75+ 14 Mar 2019 12:38 #104361

Thanks for the info - but they only cover for sub 71 year olds. OK for the ever-loving, but no good for me!

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Long stay travel insurance for 75+ 14 Mar 2019 11:45 #104359

www.msh-intl.com/en/europe/individuals/individuals-healthcare-solutions-more-than-a-year.html
seems to offer a reasonable price for us, not quite your age yet, but it may be worth looking at.

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Long stay travel insurance for 75+ 13 Mar 2019 20:47 #104352

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Brendan Whelan wrote: .... I spotted the following at the very bottom of the quote "Travellers' medical restrictions …....will not be covered." There was then list excluding the medical conditions I had told them about.

I experienced either this or a 'not possible' with a couple of online quotation sites.

On the phone to NW's insurer they ran through my condition and treatment and came up with a price to cover it. I think phoning, when the details are unusual, is generally better than using an online system designed for the simple cases.

Pete

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Pete Milne, Quo Vadis , Europe

Long stay travel insurance for 75+ 13 Mar 2019 19:21 #104351

Sorry to hear that Brendan. I went through the same process again just to check I'd not missed anything and being hyper honest about my medical conditions. As I didn't get any medical exclusions listed I must assume they were all accepted. So it clearly depends on the severity of ones condition.
There were/are a lot of providers offering cover with a maximum trip length of 31 days but this is useless as we're out for 75+ days at a time and there's no point in trying to fudge it if it comes to a claim, these insurance companies will take any excuse to refuse a pay out.

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Long stay travel insurance for 75+ 13 Mar 2019 15:31 #104350

As my own annual travel insurance is nearly due for renewal I have been following this interesting thread.
I went through the online LV forms answering the multitude of questions and then was offered what looked like a very good price. However, I spotted the following at the very bottom of the quote "Travellers' medical restrictions …....will not be covered." There was then list excluding the medical conditions I had told them about. Whilst I don't expect any medical problems whilst boating, this is the key aspect I want covered. ( I don't particularly care about delayed ferries, lost clothing, etc because the costs involved are manageable. ) For a number of years I have had annual travel insurance with Staysure but there default cover is only for up to 31 days at a time but they may offer an extension for an additional fee.
In summary, I suggest checking the small print of any insurance policy!
Brendan ( Brunel )

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Long stay travel insurance for 75+ 12 Mar 2019 20:03 #104340

Well Judy, thanks for that clarification. Nonetheless your post directed me toward LV= and I found they could satisfy my needs and wants. So it's Kismet I suppose. Thank you.
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Long stay travel insurance for 75+ 12 Mar 2019 19:43 #104339

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I should just correct both an error and a misconception - I mistakenly deduced from the NW website that LV=Direct were the underwriters for the NW travel cover, in fact it is UK Insurance as observed by others. And I don’t have this NW account myself - so no cover myself ... as yet!

Nonetheless , errors notwithstanding, I have found this set of forum postings to be most helpful and they have certainly led to us knowing now how to proceed - should the worst happen 😄. For which, many thanks to you all for responding to my original question.

Judy
MV Mon Amie

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Long stay travel insurance for 75+ 12 Mar 2019 12:01 #104324

David Warren wrote: If Cliff is talking about health insurance with LV then this is or appears to be good value. My insurance through Nationwide is underwritten by U.K. Insurance Ltd which is part of Direct Line whilst the breakdown cover is with LV.


In a previous post Bob has said that UKI underwrites Nationwide and I subsequently looked at their site. They, in fact, supply their product through many brands, Nationwide being just one. Further, they own Direct Line, Churchill and Green Flag. I therefore went to Direct Line for a quote, however this floundered for some reason that escapes me now. It'll be related to trip length, ….. oh no...., I remember now.., it was pre-existing conditions. Their site did not cater for these - one had to phone in and I didn't want to do that just now (I'm on my sick bed and virtually deaf!!)

Shortly after that Judy wrote that her cover was underwritten by LV= and I pursued that - with some success. Guess NW spread it around.


Cliff
Juniper

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Long stay travel insurance for 75+ 12 Mar 2019 11:31 #104322

If Cliff is talking about health insurance with LV then this is or appears to be good value. My insurance through Nationwide is underwritten by U.K. Insurance Ltd which is part of Direct Line whilst the breakdown cover is with LV.

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Long stay travel insurance for 75+ 12 Mar 2019 00:35 #104311

For the information of others I report that, I have been to LV= direct and got a quote for £254.54 for annual cover = 2 x persons, any number of trips with a maximum of 90 days per trip (this varies with ones age - under 65's is longer, over 80's are shorter) , inland waterways cruising/sailing, pre-existing med conditions.

Obviously everyone's situation and needs will be a little different but on the basis of the above and in comparison with other quotes I've had I consider them to be offering good value for money. Of course, I won't actually be doing anything until I find out whether the EHIC card has a future or not!!
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Long stay travel insurance for 75+ 11 Mar 2019 20:18 #104308

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Cliff Bartlett wrote: I'd rather not go through the phaff of re-arranging my banking set-up if it can be avoided.

There's very little faff in opening an account and arranging a standing order to meet the £750 pm input to it. I just rearranged a few standing orders - and use it for occasional cash withdrawals - as an extra to my regular bank account. Having more than one bank account can be quite useful in the occasional event that a card goes wrong or isn't accepted somewhere.
As to using L&V direct, an individual is unlikely to beat the negotiating power of Nationwide, with 000's of customers

Pete
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Pete Milne, Quo Vadis , Europe

Long stay travel insurance for 75+ 11 Mar 2019 18:51 #104304

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Hello Cliff,

You can get details on the policy even if not already signed up to the NW account itself. Here is what it says re who the underwriters are:

“FlexPlus UK & European Breakdown and Recovery Assistance is underwritten by Liverpool Victoria Insurance Company Limited.
Britannia and Britannia Rescue are registered trade marks and are trading styles of the Liverpool Victoria group of companies.
Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Registered address for all Liverpool Victoria companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333”

Best wishes,

Judy
MV Mon Amie
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Long stay travel insurance for 75+ 11 Mar 2019 18:07 #104302

Cliff Bartlett wrote: This is all most interesting. However I'd rather not go through the phaff of re-arranging my banking set-up if it can be avoided. So.… I'm thinking.... NW is a bank, not an insurer as such. They must have the product provided and underwritten by others; an associate pecking rhaps. So can any of you Flex account holders tell me from the really small print who actually provides the cover? So that I can approach them indirectly.
Thanks

Cliff


You are right and you are wrong, Cliff.

Right in that the policy is underwritten by an insurance company, UK Insurance from memory bu since we are about to take off I can’t check at the moment.

Wrong in that NW is a building society.

Cheers,

Bob
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Bob & Bobbie Marsland
MS La Chouette
In DBA Barge Register:
barges.org/members/bargeregister/bargeregister-search?assetaction=detail&vesselid=165

Long stay travel insurance for 75+ 11 Mar 2019 17:42 #104300

Judy Evans wrote: Apologies all!

I cannot read a two-column document, clearly (and it was section 6 not section 2) to save my life! I now see the list of water-based activities, including cruises.

I would still want verbal confirmation (with written to follow) that this does also include permanent cruising under one’s own operation as opposed to cruises on a professionally operated vessel under someone else’s command 😄

Apologies again,

Judy
MV Mon Amie


Jody,

Pleased to read your latest as I was just about to write with chapter and verse from the NW conditions. Since I am presently waiting to board a plane to Budapest, I was working on my I-phone. Interestingly, the "Cruises" category has been moved from the (rather unusually) " Land based activities" section in my booklet to the "Water based activities - must be in inland or coastal unless otherwise stated" section in the online version you quote.

Anyway, I am more than happy that we are covered and do not propose to "touch it's ears" with a further enquiry. Should you do so perhaps you will post here your conclusions.

Cheers,

Bob

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Bob & Bobbie Marsland
MS La Chouette
In DBA Barge Register:
barges.org/members/bargeregister/bargeregister-search?assetaction=detail&vesselid=165

Long stay travel insurance for 75+ 11 Mar 2019 17:41 #104299

This is all most interesting. However I'd rather not go through the phaff of re-arranging my banking set-up if it can be avoided. So.… I'm thinking.... NW is a bank, not an insurer as such. They must have the product provided and underwritten by others; an associate perhaps. So can any of you Flex account holders tell me from the really small print who actually provides the cover? So that I can approach them indirectly.
Thanks

Cliff

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Long stay travel insurance for 75+ 11 Mar 2019 16:57 #104298

I've used the FlexPlus insurance for many years. Made a few claims on mobiles and last December on the travel insurance supplementing EHIC in a
French hospital. All very efficient with hospital accounts liaising directly to pay the "personal" 20% not covered by EHIC. Was pleasantly surprised by the unexpected £25/day hospital benefit cheque arriving in the post! Most of my claim was for taxi transport - €300 - and paid out with no sight required of receipts, or suggestion that I might have used a bus and only bus costs would have been reimbursed!! I did point out that one ambulance trip, justified, would have cost more than the taxi trips.
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Colin Stone
KEI
www.luxe-motor.kei.co.uk
DBA - The Barge Association
DBA - De Binnenvaartvereniging
DBA - L’Association des Péniches de Plaisance

Long stay travel insurance for 75+ 11 Mar 2019 14:48 #104294

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Thank you Pete,

Well, following my initial mis-reading of the NW policy document 😩 I am now fairly sold on their account as the way to go ... for which many thanks to you all for your prompt and informative responses.

We will await the outcome of this week before making firm arrangements, but feel much more positive about how to react than we did yesterday!

Happy cruising, everyone.

Judy and Bob
MV Mon Amie
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Long stay travel insurance for 75+ 11 Mar 2019 13:54 #104293

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I endorse Bob's recommendation of Nationwide, which I've used for years. I write off the £13/month for their car breakdown service included in the FlexPlus account, which I've tested in Belgium and France and been very satisfied with.

As to the Travel/Health insurance, the extra £50 that David mentions for >75 years is now £65 for >70,as Bob quotes - still a bargain to me.
Also I'm currently being treated for a prostate condition - and was amazed to find they asked only an extra £60 pa (on the basic 31-day policy).
So, for me, with age and a pre-condition, the basic charge is only £125 pa.

Nationwide also has one of the best bank exchange rate for ATMs and credit card purchases.

Pete
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Pete Milne, Quo Vadis , Europe

Long stay travel insurance for 75+ 11 Mar 2019 12:41 #104292

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Apologies all!

I cannot read a two-column document, clearly (and it was section 6 not section 2) to save my life! I now see the list of water-based activities, including cruises.

I would still want verbal confirmation (with written to follow) that this does also include permanent cruising under one’s own operation as opposed to cruises on a professionally operated vessel under someone else’s command 😄

Apologies again,

Judy
MV Mon Amie

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Long stay travel insurance for 75+ 11 Mar 2019 11:59 #104291

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Hello David (and Bob),

Following Bob’s comments on the NW account I have looked further into it, including the list of activities included as “covered” in their policy document. I may be misreading it, but as far as I can see, UNLESS you have previously declared boating as an activity it is NOT covered in their general list NOR is it covered in their Hazardous Activites list - have you therefore declared boating as your mode of travel to be assured of your cover?

Here is a link to the Policy Document, and sections 2 and 9 cover what is and isn’t covered, including the comments about what to do if the activity is not listed:

www.nationwide.co.uk/-/media/MainSite/documents/products/current-accounts/flexplus/P3349_FlexPlus_Worldwide_Family_Travel_Insurance_Policy.pdf

Bob, what am I missing, as you say you have satisfied yourself by looking at this document that you ARE covered?

Judy
MV Mon Amie

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