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#11
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InsureAndGo insurance - more like insure and don't go
Alan S wrote:
On Tue, 20 Jan 2009 22:45:21 +0000, (David Horne, _the_ chancellor (*)) wrote: I'm wondering how much I've saved in the last 20 years by never buying insurance. You're extremely fortunate if that is true. I'm hardly alone. On each of my trips I ended up ahead on insurance; usually only a little. If you're seriously saying that you've claimed on insurance on every trip, then you're perhaps _very_ unlucky. -- (*) of the royal duchy of city south and deansgate www.davidhorne.net (email address on website) "The fact is that when I compose I never think of and never have thought of meeting the listener." -George Perle |
#13
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InsureAndGo insurance - more like insure and don't go
On Wed, 21 Jan 2009 00:27:59 +0000,
(David Horne, _the_ chancellor (*)) wrote: Alan S wrote: On Tue, 20 Jan 2009 22:45:21 +0000, (David Horne, _the_ chancellor (*)) wrote: I'm wondering how much I've saved in the last 20 years by never buying insurance. You're extremely fortunate if that is true. I'm hardly alone. On each of my trips I ended up ahead on insurance; usually only a little. If you're seriously saying that you've claimed on insurance on every trip, then you're perhaps _very_ unlucky. No, but I am in a different health-care system. I pay about AU$200 per month for our Private Health Insurance. In Oz we have a mix of Public and Private health care. When we are out of the country that insurance is inactive, so I suspend premiums during our absence. To put that in context, on my '03 trip I wandered the world for just under 5 months, thus saving a little under $1000 on health insurance. My travel insurance premium was less than that, so I was already ahead. I wasn't covered for my pre-existing illnesses (I have a few:-) but I would have been covered for any accidents or other afflictions. When I returned I claimed for a lost jacket (left on a restaurant chair), some stolen sunglasses and a couple of other trivial things. I pointed out to them that they had done pretty well for covering a diabetic leukemic travelling with an arthritic through multiple countries, 20+ flights, two ferries, four hire cars, countless hotels and a train. They paid without a qualm. It was similar on my second trip in '06; the claim was mainly for two pieces of luggage. One was destroyed by BA, the other by AA, who describe this as "fair wear and tear": http://www.flickr.com/photos/alan_s/3213992077/ (you should have seen the insides:-) Neither would reimburse me, the insurance did. On my third trip I needed treatment by a doc in Hong Kong. http://loraltravel.blogspot.com/2008...g-kong_29.html Both the insurers and I were grateful that it occurred there and not in NYC. Mate, I strongly advise you NEVER to go to the US of A without insurance. I know far too much about the US medical system to ever do that myself. Doing that would be a form of financial Russina Roulette. Cheers, Alan, Australia -- http://loraltravel.blogspot.com Latest: Drivers, Stepped Wells and Baolis |
#14
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martin and horne, horne and martin etc etc
Yawn
"Martin" a écrit dans le message de ... On Tue, 20 Jan 2009 22:43:20 -0000, "someone" wrote: We had a big holiday trip planned to Central America in early January, flying from London to Madrid, and then Madrid to our destination in Central America. Due to industrial action by Iberia Airlines in Madrid, we were marooned there in a queue, unable to leave, and with no food or sleep for 18 hours, then our onward flight was cancelled and we had to fly back to U.K. InsureAndGo who we had insurance with told us to read the small print, which of course said we were only covered if the cancellation occurred on the first leg (London-Madrid) of the holiday and not for any others. What a rip-off. Don't insure with them. So how much have Iberia paid you in compensation? and what did you do about going to the toilet for 18 hours, cross your legs? -- Martin |
#15
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InsureAndGo insurance - more like insure and don't go
"someone" wrote in message ... We had a big holiday trip planned to Central America in early January, flying from London to Madrid, and then Madrid to our destination in Central America. Due to industrial action by Iberia Airlines in Madrid, we were marooned there in a queue, unable to leave, and with no food or sleep for 18 hours, then our onward flight was cancelled and we had to fly back to U.K. InsureAndGo who we had insurance with told us to read the small print, which of course said we were only covered if the cancellation occurred on the first leg (London-Madrid) of the holiday and not for any others. What a rip-off. Don't insure with them. I thought that after you set off you became the problem of the airline rather than anyone else. On the other hand I stopped insuring with 'Insure and Go' this year because they put their prices up too much. Incredibly Halifax are now cheaper... -- William Black I've seen things you people wouldn't believe. Barbeques on fire by the chalets past the castle headland I watched the gift shops glitter in the darkness off the Newborough gate All these moments will be lost in time, like icecream on the beach Time for tea. someone |
#16
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InsureAndGo insurance - more like insure and don't go
On Wed, 21 Jan 2009 10:40:48 +0100, Martin
wrote: The argument here should be about the quality of that insurance, not the need for it. Cheers, Alan, Australia Some of us have normal medical insurance that covers the situation you describe. In non-European countries? Even in some European countries you would be taking a risk. Cheers, Alan, Australia -- http://loraltravel.blogspot.com Latest: Drivers, Stepped Wells and Baolis |
#17
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InsureAndGo insurance - more like insure and don't go
"Martin" wrote in message news On Wed, 21 Jan 2009 21:35:01 +1100, Alan S wrote: On Wed, 21 Jan 2009 10:40:48 +0100, Martin wrote: The argument here should be about the quality of that insurance, not the need for it. Cheers, Alan, Australia Some of us have normal medical insurance that covers the situation you describe. In non-European countries? Even in some European countries you would be taking a risk. Even in Australia and it certainly covers Turkey. http://www.migrationnews.com/index.c...location_Guide "Nationals of countries with reciprocal health agreements with Britain are also entitled to treatment from the NHS, although exemption from charges is usually limited to emergency treatment. Countries with reciprocal agreements include: EEA nations, Anguilla, Australia, Barbados, British Virgin Islands, Bulgaria, Channel Islands, Falkland Islands, Gibraltar, Montserrat, New Zealand, Romania, Russia, St Helena, Switzerland, Turkey, and the Caicos Islands." I doubt very much that you would want to rely on a "government" hospital in Turkey, tim |
#18
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InsureAndGo insurance - more like insure and don't go
"Nationals of countries with reciprocal health agreements with Britain
are also entitled to treatment from the NHS, although exemption from charges is usually limited to emergency treatment. Countries with reciprocal agreements include: EEA nations, Anguilla, Australia, Barbados, British Virgin Islands, Bulgaria, Channel Islands, Falkland Islands, Gibraltar, Montserrat, New Zealand, Romania, Russia, St Helena, Switzerland, Turkey, and the Caicos Islands." I doubt very much that you would want to rely on a "government" hospital in Turkey, In places where the state facilities aren't very good (the Diyarbakir hospital didn't look very impressive) there aren't any private ones to turn to. In places like Istanbul or Antalya, the state one will be as good as anything in Europe. So it's a non-issue there. Supposedly it helps to bribe the staff in Romania. If you find yourself needing hospitalization in West Lothian, see if your insurance covers a helicopter airlift to somewhere that knows the meaning of "hygiene". St Johns Hospital in Livingston is the filthiest medical facility I have ever seen (I was in there for a week, in which time nobody came round to mop up the pool of puke I left on the bedside table after coming round from the anaesthetic). The Royal Infirmary in Glasgow isn't much better. ==== j a c k at c a m p i n . m e . u k === http://www.campin.me.uk ==== Jack Campin, 11 Third St, Newtongrange EH22 4PU, Scotland == mob 07800 739 557 CD-ROMs and free stuff: Scottish music, food intolerance, and Mac logic fonts |
#19
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InsureAndGo insurance - more like insure and don't go
"Martin" wrote in message ... On Tue, 20 Jan 2009 22:43:20 -0000, "someone" wrote: We had a big holiday trip planned to Central America in early January, flying from London to Madrid, and then Madrid to our destination in Central America. Due to industrial action by Iberia Airlines in Madrid, we were marooned there in a queue, unable to leave, and with no food or sleep for 18 hours, then our onward flight was cancelled and we had to fly back to U.K. InsureAndGo who we had insurance with told us to read the small print, which of course said we were only covered if the cancellation occurred on the first leg (London-Madrid) of the holiday and not for any others. What a rip-off. Don't insure with them. So how much have Iberia paid you in compensation? and what did you do about going to the toilet for 18 hours, cross your legs? Our tour company is working hard for us. So far we think they have got the cost of our cancelled Iberia flights back (slightly less than 25% of the total cost of our holiday, since we had other internal flights in Panama that we missed, as well as the holiday accomodation costs.). We are pursuing a claim with Iberia for ca. £2300 per person. When we finally got to the head of the queue, 1500 people and 18 hours later we insisted on a letter stating that our flight had been cancelled, which we got from the bored clerk. I also had lots and lots of time to write down the Air Passenger Rights charter which was posted in the check-in hall. To wit: "Cancellation - financial compensation is due unless your were informed 14 days before the flight, or you were rerouted close to your original times, or the airline can prove that the cancellation was caused by extraordinary circumstances." [A strike by Iberia staff cannot be called extraordinary, I think, since industrial action had been going on for some months, unbeknownst to us] "Airlines can be held liable for damages resulting from delays (limited to approximately ? 4,800), for damage to and loss of baggage (limited to approximately ? 1,200), and for injury and death in accidents. However, airlines shall not be liable if they have taken all reasonable measures to avoid the damages or it was impossible to take such measures." The airline took no measures to help us at all, never mind reasonable measures, the staff all disappeared, aside from the one young girl at the desk left to deal with about 1500 people. As I said, we had no food or sleep for 18 hours (48, if you start from when we left home until we arrived back home). There were toilets, and near the toilets a drinking fountain, so at least we had toilets and drinking water. There was a McDonald's with a queue of over 150 people at all times, and a cold sandwich bar which sold a slice of ham between two slices of a small baguette and a soft drink. We bought one in desperation, it was like eating cardboard. The toilets ran out of paper and soap so they were pretty dire by the time we came to the front of the queue. We had all started out as civilized people in a queue, helping each other out, standing in when someone wanted to go to the toilet or get water or whatever. But after 18 hours, and as we neared the counter with the (by now) two staff, there was more pushing and shoving, everyone vying for a place, and being accused of shoving in. It was just horrible, since we were all hungry and without sleep. It was without a doubt the worst 48 hours of my life. To get back to it, don't insure with Insure and Go, and don't fly with Iberia Airlines. someone |
#20
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InsureAndGo insurance - more like insure and don't go
On Wed, 21 Jan 2009 11:51:38 +0100, Martin
wrote: On Wed, 21 Jan 2009 21:35:01 +1100, Alan S wrote: On Wed, 21 Jan 2009 10:40:48 +0100, Martin wrote: The argument here should be about the quality of that insurance, not the need for it. Cheers, Alan, Australia Some of us have normal medical insurance that covers the situation you describe. In non-European countries? Even in some European countries you would be taking a risk. Even in Australia and it certainly covers Turkey. http://www.migrationnews.com/index.c...location_Guide "Nationals of countries with reciprocal health agreements with Britain are also entitled to treatment from the NHS, although exemption from charges is usually limited to emergency treatment. Countries with reciprocal agreements include: EEA nations, Anguilla, Australia, Barbados, British Virgin Islands, Bulgaria, Channel Islands, Falkland Islands, Gibraltar, Montserrat, New Zealand, Romania, Russia, St Helena, Switzerland, Turkey, and the Caicos Islands." I was well aware of the reciprocal agreement. When my wife needed a prescription urgently in Oxford neither the doctor's receptionist nor the pharmacist had heard of it or were prepared to research it. I spent quite a while trying to get them to do so. I paid £60 for the doc's appointment and about £15 for the prescription IIRC. The insurance reimbursed me on return. Nor was my mum, or the Turkish hospital, aware of any Oz/Turkey agreements. Things may look good on web-sites but turn out to be a little less useful in an emergency. That list does not include an awful lot of countries. I forgot to mention that my Gold-credit-card insurance has many limitations, particularly for car insurance excess removal. Having the travel insurance made a tremendous difference to car rentals in the USA - no need to pay the additional insurance which is usually higher than the rental. Cheers, Alan, Australia -- http://loraltravel.blogspot.com Latest: Drivers, Stepped Wells and Baolis |
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