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TOPIC: Long stay travel insurance for 75+

Long stay travel insurance for 75+ 02 Feb 2020 15:24 #113454

  • Pete Milne
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Judy Evans wrote: Whilst we presently rely on the EHIC card for medical cover when travelling for 5-6 months on our boat in France we are preparing ourselves for the inevitable and investigating travel insurance once the EHIC card is no longer applicable.

This has become very relevant again (as the future of EHIC is uncertain) and there were some good points made in the conversation.

Pete

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

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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

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

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

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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

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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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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
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Long stay travel insurance for 75+ 11 Mar 2019 18:07 #104302

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

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

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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

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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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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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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
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Long stay travel insurance for 75+ 11 Mar 2019 11:24 #104288

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We have had the travel insurance with our Nationwide account for many years. The only stipulation is that you have to pay £750 per month into the account to get the free part of the insurance. After 75 years of age we had to pay an extra £50 and fora trip to the USA only £90 which is incredible value at our ages. We used it once in France when Penny was in hospital for a week and the back up was great.
Will look into the extension for long term cover.
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Long stay travel insurance for 75+ 11 Mar 2019 10:50 #104287

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Judy Evans wrote: Thanks Bob,

We do already have NW accounts, although not the serviced ones. However, we have been advised to be wary of insurance linked to bank accounts in this way, most recently by members of the CA. Have you actually confirmed with NW and their insurers that your policy covers your particular activity ie living and travelling for the duration of your trip on your own boat. Many policies have this excluded in their (very) small print - indeed, we now realise that previous years of travelling with such types of insurance (when we had children on board we were less casual about such things!) we were reliant on cover that didn’t actually exist if we had needed to claim on it! Hopefully yours is okay, though, and I will certainly look into it.

Judy and Bob
MV Mon Amie


Hello again Judy and Bob,

I called Nationwide earlier this morning but before I read your latest, above.

The cost of increasing the cover to 180 days is £264. For increasing to 60 days, which we may wish to take, is £60. So, if one adds the £13 per month to the age related upgrade of £65 the annual premium comes to:

For up to 31 day trips (any number): £221
For increasing a trip to 60 days: £281
For increasing a trip to 180 days: £485

Since I read your post after my call I have read the booklet, : "Flex Plus Current Account - Worldwide Family Travel Insurance Policy" and satisfied myself that I am covered for cruising on our barge on the inland waterways of Europe, which is where we keep La Chouette.

I suggest you ask Nationwide to send you a copy of all the details of a Flex+ account including the booklet mentioned above. I would be interested to learn your assessment after doing that.

Best wishes,

Bob
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Long stay travel insurance for 75+ 11 Mar 2019 10:03 #104286

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Thank you Sharon, I’ve looked at this and am pleased to see that they allow us Brits to apply although we are not US citizens - I was investigating an Australian policy which threw me out as soon as I said I was from the UK! I’ve looked at the policy small print and cannot find anything specifically excluding our type of “water sport” - that is where most of the hiccups lie. However, it is very costly for us with our age and medical conditions - over £1,500 if we take a reasonable excess, so close to Topsail.

The irony of all this is that we actually just need a piece of paper to confirm we HAVE insurance, in the event of BREXIT and the need to apply for long stay visas for France in future years. Like Cliff we have prepared ourselves for “self-insuring” and have cash to get home AND the dental kit 😄. It may be that a policy that is potentially no use to claim on but is cheap is all that we will need (or get) to demonstrate the necessary paperwork when asked.

Let’s see what unfolds (unravels) this week ....

Judy and Bob
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Long stay travel insurance for 75+ 11 Mar 2019 09:43 #104285

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Thanks Bob,

We do already have NW accounts, although not the serviced ones. However, we have been advised to be wary of insurance linked to bank accounts in this way, most recently by members of the CA. Have you actually confirmed with NW and their insurers that your policy covers your particular activity ie living and travelling for the duration of your trip on your own boat. Many policies have this excluded in their (very) small print - indeed, we now realise that previous years of travelling with such types of insurance (when we had children on board we were less casual about such things!) we were reliant on cover that didn’t actually exist if we had needed to claim on it! Hopefully yours is okay, though, and I will certainly look into it.

Judy and Bob
MV Mon Amie

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Long stay travel insurance for 75+ 11 Mar 2019 09:35 #104284

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Hello Cliff,

Yes, we are beginning to think that we need to be self-reliant too! We also have conditions that, whilst not life-threatening, require medication and send our premiums sky-high; Topsail were quoting over £1,500 for 6 months! And we too were just looking for the basic, get-us-home, policy - baggage loss and travel costs ancellation not being relevant to our situation. As this week unfolds we will know better what we have to do, of course!

Judy and Bob
MV Mon Amie
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Long stay travel insurance for 75+ 11 Mar 2019 05:44 #104283

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For our long stay visa in France we are required to have medical coverage that meets certain standards and includes a fly you home if you are in really bad shape provision. We get that from IMG- Patriot International Medical Insurance. It is not cheap and so far we have only tested it as far as 72 years old. The premium has been going up as our age goes up. It is adjusted for the time period you need it for, in our case usually about 7 months. It is real medical insurance that will cover doctor and hospital visits and medical procedures, though to be honest the couple times we have needed some emergency care in France the cost was so low we haven't bothered to put in an insurance claim for any sort of reimbursement.
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Long stay travel insurance for 75+ 11 Mar 2019 03:40 #104281

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Hello Judy and Bob,

We have Worldwide Family Travel Insurance through Nationwide by virtue of our Flex Plus current account. The account service charge is £13 per month and includes a multitude of benefits in addition to the travel insurance.

By coincidence, as we are going away for a few days, it came to my notice we are only covered for trips up to 31 days. However, when I studied the T & C booklet I found it is possible to extend that period to 180 days for an additional premium. Haven't found out how much yet as this only happened half an hour ago.

Those of us over 70 years of age have to pay a supplement or upgrade, as they call it, of £65 pa. If you have a joint Flex plus account only one upgrade is needed for both of you.

Here is the link to the insurance details:

www.nationwide.co.uk/support/support-articles/manage-your-account/travel-insurance/travel-insurance-with-flexplus

And here is a link to the details of the Flex Plus account:

www.nationwide.co.uk/products/current-accounts/flexplus/features-and-benefits

If you wish to switch from an account you have with a different bank to a Nationwide Flex+ account, email me and I can recommend you and you will receive £100 and I will receive £100 for doing so. My email is over on the left under my name.

Best wishes,

Bob
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Long stay travel insurance for 75+ 10 Mar 2019 23:51 #104278

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Hi Judy & Bob.
I've been looking into this on and off for a while now , with the somewhat depressing result that I have yet to find any provider that offers cover at anything like a reasonable premium.
My searches are not exactly like yours though. I'm 72 with a couple of controlled and non life threatening medical conditions, also we are away for periods not exceeding 90 days. Even so I'm getting quotes in the region £ 700 + for the pair of us! I've ferreted about looking for a provider that will just provide health cover only and none of the baggage/curtailment/cancellation cover. But the one or two that I discovered had restrictive time limits. I'll carry on digging but am rapidly coming to the conclusion that I'll have to self-insure.
If anyone comes up with a good provider I'll cheer, but my suggestion is to take as many medications as you can beg, borrow or steal from your GP/Pharmacist along with splints, bandages, plasters plus enough cash to have someone drive you back to UK overnight.
FWIW I recall that when we went long-distance offshore sailing we also took an emergency dental kit. These things are available.
Bon Chance
Cliff
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Long stay travel insurance for 75+ 10 Mar 2019 15:06 #104271

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Whilst we presently rely on the EHIC card for medical cover when travelling for 5-6 months on our boat in France we are preparing ourselves for the inevitable (Brexit) and investigating travel insurance once the EHIC card is no longer applicable. We understand that, should Brexit occur in an orderly manner, we still have the 2019 and 2020 seasons covered, but should a no-deal Brexit crash happen we are immediately vulnerable.

It is proving difficult to find insurance companies that will both cover such a long stay AND cover our mode of transport/living ie cruising on our own boat as opposed to a commercial vessel. Specialist insurers such as Topsail are incredibly expensive, and non-specialist insurers either reject us due to our ages (68 and 75) or exclude the use of motor boats and other watery pursuits in the (very) small print.

Surely we are not alone! Someone must provide this type of cover to the many of us out there, and at a reasonable price! Recommendations please!

Judy Evans and Bob Barker
MV Mon Amie

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