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Travel Insurance query

andreahh24 Avatar
8y, 6m agoPosted 8 years, 6 months ago
I am jetting off to Spain soon with my partner and Son.
My question is...
Is it ok for me to insure my partner and son together on one policy and then get another for myself?
The reason I ask this is because I have been in hospital, and have pre existing medical conditions so my insurance will be through the roof (I was quoted almost as much as the holiday cost for myself.)
My plan is to get a basic insurance for myself as I know my medical card (that replaced the E111) means I get free hospital treatment in Europe anyway so I don't really see the need of specialist medical insurance also.
Thing is...If we are all insured together and anything happens to our baggage, if they found out I had been in hospital they would not replace anything. If we were insured seperately at least my partner and Son would get theirs replaced.

I am aware this is a naughty thing to do but paying for an insurance I don't need is a rip off.
andreahh24 Avatar
8y, 6m agoPosted 8 years, 6 months ago
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1 Like #1
You should always declare any pre existing illness and then choose wether or not to have it covered by the insurance then at least you can all go on the same one. Should you fall ill before you go and you all have to cancel your son and partner will not be able to cancel and claim on theres as they were aware of the pre existing illness for yourself
#2
Checkingirl
You should always declare any pre existing illness and then choose wether or not to have it covered by the insurance then at least you can all go on the same one. Should you fall ill before you go and you all have to cancel your son and partner will not be able to cancel and claim on theres as they were aware of the pre existing illness for yourself


You are right. I will call them tomorrow and see if they are willing to insure me after declaring all medical conditions.
Thanks for the advice. Rep added.
1 Like #3
andreahh24
You are right. I will call them tomorrow and see if they are willing to insure me after declaring all medical conditions.
Thanks for the advice. Rep added.

Who are looking at quotes with?? Try travel supermarket they are quite competitive so might be cheaper
banned 1 Like #4
I bank with the Royal Bank Of Scotland, 'free' travel insurance is included as one of the benefits. I think we pay £12 a month for the Royalties Gold account. I have a couple of existing conditions and all is covered with no additional premium. Perhaps your bank offer something similar.

Another thing to remember, If you're only worried about your luggage at the airport, then claim from them directly for any damage/loss where the handling company are to blame. I think the amount covered is approx £800 per person as long as you follow the reporting procedure straight away or as soon as is known,
1 Like #5
aScottishBloke
I bank with the Royal Bank Of Scotland, 'free' travel insurance is included as one of the benefits. I think we pay £12 a month for the Royalties Gold account. I have a couple of existing conditions and all is covered with no additional premium. Perhaps your bank offer something similar.

Another thing to remember, If you're only worried about your luggage at the airport, then claim from them directly for any damage/loss where the handling company are to blame. I think the amount covered is approx £800 per person as long as you follow the reporting procedure straight away or as soon as is known,

We're with Barclays..Additions plus £14.50 a month.
Free travel insurance.. declare your conditions and your covered...
Had to claim last year.. broken ankle..They were great all taxi + expenses, two extra seats on plane.. all paid for..
Lots of other benefits like RAC, phone insurance etc. Well worth the cost.

Before we used Barclays we used [url]www.direct-travel.co.uk[/url] They were also cheap and helpful with any existing conditions.
banned 1 Like #6
just get baggage cover as EHIC does cover you in the EU for medical care.

Everyonr on hol shoudl have one.

http://www.dh.gov.uk/en/Healthcare/Healthadvicefortravellers/DH_4135688
#7
The EHIC only covers you for hospital treatment and not for repatriation so should you have an accident and need air ambulance home or to purchase 2 or 3 seats on the returning aircraft or for anything other than the hospital you have to pay for it. If for instance you picked up an ear infection in a pool and had to stay in resort another week and Doc will not issue a fit to fly cert, you are covered for the treatment but not for the cost of your extra weeks accom but if you are insured the ins would pick up the bill
#8
Checkingirl
The EHIC only covers you for hospital treatment and not for repatriation so should you have an accident and need air ambulance home or to purchase 2 or 3 seats on the returning aircraft or for anything other than the hospital you have to pay for it. If for instance you picked up an ear infection in a pool and had to stay in resort another week and Doc will not issue a fit to fly cert, you are covered for the treatment but not for the cost of your extra weeks accom but if you are insured the ins would pick up the bill


That's interesting to know.
That could very well sway my decision.

I have called the insurance company I was thinking of going with (Pure) and they told me I need to call another company (Ace) to find out if I can be covered. The girl didn't seem to have a clue.

I am so fed up of paying upwards of £120 just for insurance for myself and then either not needing it, or if something does go wrong, waiting until I get home to see a doctor!
#9
rockyfella
We're with Barclays..Additions plus £14.50 a month.
Free travel insurance.. declare your conditions and your covered...
Had to claim last year.. broken ankle..They were great all taxi + expenses, two extra seats on plane.. all paid for..
Lots of other benefits like RAC, phone insurance etc. Well worth the cost.

Before we used Barclays we used [url]www.direct-travel.co.uk[/url] They were also cheap and helpful with any existing conditions.


Thank you. I took your advice and browsed their website.
For just a few £'s more I have insured myself with them. I declared pre existing conditions were present for which I just accepted the waiver...so much easier than spending half an hour on the phone declaring everything.
Rep added.
#10
We're with Barclays and have Additions plus too at £14.50 a month. Works well as we have a joint account, meaning we are both insured separately (hols and RAC). Perfect as we don't always travel together - the kids are insured even if only one of us travels with them.

EDIT: see that you've gone with Barclays - good choice as there are a lot of extra benefits too. Just in case you decide to go the joint a/c route, it's very easy to add your OH's name to your a/c or vise versa - and even if you've already signed up there is a cooling off period so you can still make these changes...
banned#11
another vote for barclays additions as it also covers emergency breakdowns in the home. I got a blocked drain and rang barclays and dynarod were here within an hour!

Mind you, they charged £350 for 20 minutes work. Glad they paid and not me lol
#12
Liddle ol' me
We're with Barclays and have Additions plus too at £14.50 a month. Works well as we have a joint account, meaning we are both insured separately (hols and RAC). Perfect as we don't always travel together - the kids are insured even if only one of us travels with them.

EDIT: see that you've gone with Barclays - good choice as there are a lot of extra benefits too. Just in case you decide to go the joint a/c route, it's very easy to add your OH's name to your a/c or vise versa - and even if you've already signed up there is a cooling off period so you can still make these changes...


I went with Direct. I bank with Halifax (for my sins). They do offer travel insurance amongst other things for a tenner a month but I would't really use anything they offered.

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