Travel Insurance - cross channel

[st599]

Yes, my wife had to spend a day in a French hospital and had to pay personally up front. It proved impossible to get the money back later against the GHIC.
The cost was 800e so, considering the initial price of insurance and probable excess, in that case the money difference was perhaps negligible. As you say, It's the biggie that causes more worry.

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The GHIC gets you the same cover as a local, not free cover. In France you get A and E for a small fixed cost, further costs depend on what type of hospital you went to.

When we have been to Holland on the boat we have just used standard travel insurance because the costs we want to insure relate to medical cover, repatriation loss/theft etc as opposed to anything to do with the passage across the N. Sea (including any associated delays) or the boat, which has its own insurance. Sailing in national waters of the U.K. and EU countries appears to be acceptable in most standard policies so I figured we had covered what we needed to.

Am I missing something?
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Many insurance policies out club looked at cover sailing as part of a trip, but not if it's the sole reason for the trip.

 

[bluerm166]

I have to say that when we had our estate car broken in to at Honfleur and the bag containing all my holiday clothes etc etc were taken we found that Insure and Go were absolutely useless.( since I don't keep receipts for my total modest wardrobe etc)
Fortunately NFU Mutual were absolutely brilliant ( if astute) and covered everything we expected to recover from I and G including £50 cash that my wife had tucked into a pocket.
They are not cheap but we are still with them.

 

[gjgm]

As a little test, I just got an annual ,couple,EU, "Sailing included" quote : £350. I didn't trawl through the contract as it was just out of curiosity driven by this thread.

And another was £900!

 

[mogmog2]

And another was £900!

Oof! Same company with different parameters, or different company?

 

[gjgm]

Oof! Same company with different parameters, or different company?

Two companies. Guess others may get different quotes.
Leaving lost property etc.aside, and that you may have to pay something in Eu, but does GHIC cover most, except possible repatriation?
Doubtless your insurance co will be delighted to get you home and get you into ( free for them) NHS!

 

[mogmog2]

Two companies. Guess others may get different quotes.
Leaving lost property etc.aside, and that you may have to pay something in Eu, but does GHIC cover most, except possible repatriation?
Doubtless your insurance co will be delighted to get you home and get you into ( free for them) NHS!

IDK yet, this is all I know and it's enough to put the wind up me "A UK EHIC or UK GHIC is not a substitute for travel insurance. It may not cover all health costs and never covers repatriation costs. You should make sure that you have travel insurance as well as a UK EHIC or UK GHIC."
I've got a while to find out...

 

[Ribtecer]

Whilst on a driving holiday in the Alps last September I was taken to a GPs surgery with complications to previous surgery to my stomach relating to the altitude.

GP charged €80 and sent me straight to Briançon Hospital, after treatment and then a CT scan, they kept me in over night. Absolutely marvelous treatment all covered on my GHIC card. They gave me a prescription and sent me to a local Pharmacy, €25.00

Thanks Emmanuel, I was/am truly very grateful.

 

[Greg2]

Many insurance policies out club looked at cover sailing as part of a trip, but not if it's the sole reason for the trip.

Interesting. The company we have annual insurance with found it difficult to answer our questions when I asked about the policy covering a sailing holiday but concluded that when in national waters we would be covered and for our Holland trips, which were some years ago, we explained what was intended when taking out the policies. I guess making sure is prudent!
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[lustyd]

Am I missing something?

Possibly just that there’s a time limit on standard travel insurance (and home insurance if away!) so may not fully cover longer cruising.

 

[Greg2]

Possibly just that there’s a time limit on standard travel insurance (and home insurance if away!) so may not fully cover longer cruising.

Good point - we have only done two week holidays as opposed to extended cruises but that is something for us to look into as longer trips are now more likely.
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[lustyd]

Good point - we have only done two week holidays as opposed to extended cruises but that is something for us to look into as longer trips are now more likely.
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Then also note that GHIC has a time limit too. Things get very frustrating the longer you’re gone