Recommendations for travel/health Insurance

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have). They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

IANAL etc

If the trips are work related, isn`t it down to your employer to arrange
suitable cover ?

On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
wrote:

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have).

I've used this company in the past. I've never made a claim, so don't
know how good they are at paying up. However, they're quite good about
changing effective dates in mid-trip and things of the like.

http://www.worldwidemedical.com/home.htm

I don't think they have any residence requirements.





They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim



--
Barbara Vaughan
My email address is my first initial followed by my surname at libero dot it
I answer travel questions only in the newsgroup

"B Vaughan" wrote in message
...
On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
wrote:

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have).

I've used this company in the past. I've never made a claim, so don't
know how good they are at paying up. However, they're quite good about
changing effective dates in mid-trip and things of the like.

http://www.worldwidemedical.com/home.htm

I don't think they have any residence requirements.

Interesting, thanks. (I like the way that it
costs more as one gets older, shows that they
have though about the risks properly - as I have
if I were 25 might be "taking the chance".

Though I can't understand why "including US"
jumps in cost when the policy includes a pathetic
limit on medical cover.

I would have thought that if you choose the 50K
USD limit for medical care this doesn't buy much
in any country.

tim

tim (back at home) wrote:

[]
Though I can't understand why "including US"
jumps in cost when the policy includes a pathetic
limit on medical cover.

This is common, simply because the cost of medical cover there is so
much more expensive. The fact there is a cap doesn't make a difference.
If you break a leg in the US, it will cost a lot more than almost
anywhere else, hence the increase in the premium.

--
David Horne- http://www.davidhorne.net
usenet (at) davidhorne (dot) co (dot) uk
http://homepage.mac.com/davidhornecomposer http://soundjunction.org

In message , "tim (back at home)"
writes
Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.


Have you looked at the International Health cover provided by BUPA and
AXA etc.. I have been quoted around £1,000 p.a. for non residence and
excluding the typical GP type service. Maybe you dont think this is
reasonable?

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have).

I think they probably mean UK Resident, as against Non Resident, rather
than requiring that you have actually been here physically.

I also think that you will find that travel insurances tend to have
limits of around 31 days per trip/holiday and, if you will actually be
living and working there permanently, it is not "travel" insurance.

They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.


Give them a call and ask. I found BUPA and AXA reps. extremely helpful,
and not at all pushy.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.


--
Richard Faulkner

tim (back at home) wrote:
Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have). They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim

As with all cases of insurance, I'd recommend self-insuring if you can
afford the worst case scenario. After all, insurance companies are
rarely there for you when you need them anyway, especially when you need
them for the aforementioned worst case.
Irma

Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php

tim (back at home) wrote:
Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have). They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim

Normally E101 covers all expenses also in countries where it is not
accepted. in the sense that you pay first and then yr
Medical Company will reimbourse you.. unless you are a tourist
It means you have coverage if you are abroad for working or studying
purposes.

By the way. we do not have E101 anymore. but a kind of credit card..

On Wed, 3 May 2006 22:45:35 +0100, "tim \(back at home\)"
wrote:


"B Vaughan" wrote in message
.. .
On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
wrote:

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have).

I've used this company in the past. I've never made a claim, so don't
know how good they are at paying up. However, they're quite good about
changing effective dates in mid-trip and things of the like.

http://www.worldwidemedical.com/home.htm

I don't think they have any residence requirements.

Interesting, thanks. (I like the way that it
costs more as one gets older, shows that they
have though about the risks properly - as I have
if I were 25 might be "taking the chance".

Though I can't understand why "including US"
jumps in cost when the policy includes a pathetic
limit on medical cover.

I would have thought that if you choose the 50K
USD limit for medical care this doesn't buy much
in any country.

In the US, that might not even cover the ambulance.

I never chose such a low limit when travelling to the US. Did you
compare prices with low limit and high limit to see if the relative
difference changed much?

Maybe the cost of navigating the billing procedures is vastly higher
in the US? I remember spending so much time on the phone with doctors
and hospitals that I sometimes gave up and just paid the damn bill out
of pocket.

--
Barbara Vaughan
My email address is my first initial followed by my surname at libero dot it
I answer travel questions only in the newsgroup

B Vaughan wrote:

I would have thought that if you choose the 50K
USD limit for medical care this doesn't buy much
in any country.

In the US, that might not even cover the ambulance.

If you want to be taken seriously, try not acting the clown.
Irma

Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php