mazandcol Posted August 23, 2019 Share Posted August 23, 2019 Can anyone recommend travel insurance for travel outside EU. We're going to USA for a couple of weeks and it'll be our first time outside Europe since moving to France. If it's any help we're 69 and 73 years old. Any suggestions welcome! Link to comment Share on other sites More sharing options...
woolybanana Posted August 23, 2019 Share Posted August 23, 2019 Staysure works for us and we are in your age bracket. Link to comment Share on other sites More sharing options...
suein56 Posted August 23, 2019 Share Posted August 23, 2019 Wooly do you know how Staysure are if you have ongoing medical problems ie OH has stents and we both have managed high blood pressure ? Link to comment Share on other sites More sharing options...
mazandcol Posted August 23, 2019 Author Share Posted August 23, 2019 Thanks woolybanana - I'll have a look at them now. Link to comment Share on other sites More sharing options...
Gardengirl Posted August 23, 2019 Share Posted August 23, 2019 I was looking at Staysure and trying to find out how many days each year would be covered.However, I read these reviews and didn’t pursue the search:https://www.tripadvisor.co.uk/ShowTopic-g298031-i1222-k7126323-o90-Used_Staysure_Travel_Insurance-Fethiye_Mugla_Province_Turkish_Aegean_Coast.htmlNo travel insurance can be said to be of use until after a claim, when you know how the company deals with it.................. Link to comment Share on other sites More sharing options...
woolybanana Posted August 23, 2019 Share Posted August 23, 2019 I don’t know, Sue. Try asking them, maybe? Link to comment Share on other sites More sharing options...
pip24 Posted August 23, 2019 Share Posted August 23, 2019 Lv work for me Link to comment Share on other sites More sharing options...
suein56 Posted August 23, 2019 Share Posted August 23, 2019 pip24 wrote : Lv work for me You live in the UK ? Do LV cover French residents ? Link to comment Share on other sites More sharing options...
Judith-aka-Judith Posted August 23, 2019 Share Posted August 23, 2019 Globelink work for me, in that age group, and used for several years. Will insure even if French resident. Basedin Ely, UK, search for Globelink should find them. Can insure online, there is a medical questionnaire, any problems re medical coverage, you can ring them ... Link to comment Share on other sites More sharing options...
Spider Posted August 23, 2019 Share Posted August 23, 2019 I did a lot of research before our last trip to the USA and found most expat insurance very expensive. We chose annual cover for multi-destination holidays of 90 days or less including USA and Japan with Mondassure. e have used them twice now for trips to US and Asia but not had to claim (fortunately!)https://www.mondassur.com/fr/comparatif-assurances/mondassur-assurance-voyage.htmlI rang them to make sure they spoke English as I doubt doctors in the US would speak French. There are no questions asked about present health (I believe they are not allowed to ask in France - as is the case with top-up insurance). The only doubt I had at the time was the relatively low amount of cover for major treatment which was 150,000€. I believe that has now doubled but we have not purchased this year yet so not sure.The annual premium we paid last year was in the region of 240€ Link to comment Share on other sites More sharing options...
suein56 Posted August 23, 2019 Share Posted August 23, 2019 Judith-aka-Judith wrote : Globelink work for me, in that age group, and used for several years. Will insure even if French resident. Basedin Ely, UK, search for Globelink should find them. Can insure online, there is a medical questionnaire, any problems re medical coverage, you can ring them ... Thanks for that Judith .. have you ever had need to make a claim from them for whatever reason? Link to comment Share on other sites More sharing options...
suein56 Posted August 23, 2019 Share Posted August 23, 2019 Spider wrote : I did a lot of research before our last trip to the USA and found most expat insurance very expensive. We chose annual cover for multi-destination holidays of 90 days or less including USA and Japan with Mondassure. We have used them twice now for trips to US and Asia but not had to claim (fortunately!)"https://www.mondassur.com/fr/comparatif-assurances/mondassur-assurance-voyage.html">https://www.mondassur.com/fr/comparatif-assurances/mondassur-assurance-voyage.html.I rang them to make sure they spoke English as I doubt doctors in the US would speak French. There are no questions asked about present health (I believe they are not allowed to ask in France - as is the case with top-up insurance). The only doubt I had at the time was the relatively low amount of cover for major treatment which was 150,000€. I believe that has now doubled but we have not purchased this year yet so not sure. The annual premium we paid last year was in the region of 240€.Thanks Spider : without being rude could I ask are you in our 69 .. rapidly approaching 70 .. age-group ?Edit : Just testing if i can edit this using Opera .. time will tell. Link to comment Share on other sites More sharing options...
Spider Posted August 24, 2019 Share Posted August 24, 2019 Same Link to comment Share on other sites More sharing options...
CeeJay Posted August 24, 2019 Share Posted August 24, 2019 For the last 6 years I have used Mondassur for lengthy trips to New Zealand from France.Not had to claim though, thank goodness.My age profile is 75+, no questions about pre-existing conditions. Link to comment Share on other sites More sharing options...
Judith-aka-Judith Posted August 24, 2019 Share Posted August 24, 2019 Sue, happily, no. I did ask them if I could claim for a hire car to get me back to France when I had an accident in the UK, as my own insurers were being difficult (they said I hadn't asked them first, in fact I had, but the message didn't get passed on by my agent who was on holiday, and no-one picked it up in her absence), but they. Globelink, said, no, as it wasn't really covered by travel insurance, which I understood, but asked anyway!, but they were very nice about it, and replied, which is what you want as well.So, I cannot judge on how they would cope if you claimed, and though I suspect they will be like other insurances and try and get out of it if they can, I do feel that they would come up trumps if it were covered by the insurance. I take out an annual policy because I travel quite a bit, but it is going up in price as I age! Link to comment Share on other sites More sharing options...
mazandcol Posted August 24, 2019 Author Share Posted August 24, 2019 Thanks to everybody - plenty to check out there! Link to comment Share on other sites More sharing options...
nomoss Posted August 24, 2019 Share Posted August 24, 2019 Our private Spanish health insurance covered us for travel outside Spain under a policy with Europ Assistance, which is a French international group with subsidiaries in many other countries.I claimed from them once, and the claim was treated quickly and satisfactorily. Link to comment Share on other sites More sharing options...
Loiseau Posted August 24, 2019 Share Posted August 24, 2019 QUOTE Spider“...The only doubt I had at the time was the relatively low amount of cover for major treatment which was 150,000€...."Gosh, to contemplate travel to the US with that limit is a bit scary. Forty years ago, my then insurance company said medical cover for 1 million dollars would be about right. Link to comment Share on other sites More sharing options...
Spider Posted August 26, 2019 Share Posted August 26, 2019 [quote user="Loiseau"]QUOTE Spider“...The only doubt I had at the time was the relatively low amount of cover for major treatment which was 150,000€...."Gosh, to contemplate travel to the US with that limit is a bit scary. Forty years ago, my then insurance company said medical cover for 1 million dollars would be about right.[/quote]Scare tactics by insurance companies to get you to pay over the odds for travel insurance! Since when have you ever heard of medical care in the US costing millions?The average cost of a hospital stay is around $16,000 which is about 14k Euros. I would think a greater cost would be repatriation to France in the most serious of cases, this is handled separately by the insurers. As I said earlier I believe the cost per treatment has now been increased to 300,000€ which is about $336k. Link to comment Share on other sites More sharing options...
Théière Posted August 26, 2019 Share Posted August 26, 2019 Maybe however a case of a lady with travel insurance, who suffered a heart attack but insurance wouldn't pay as the hospital didn't call them first. Had a bill of £46,000 and had to sell their home in the UK to pay it. Link to comment Share on other sites More sharing options...
Spider Posted August 26, 2019 Share Posted August 26, 2019 Good example of a high cost hospital treatment in the US. That's about $56k so well covered by the 300k € limit. I can hardly believe a US hospital not making sure the patient was covered by insurance. My son went for treatment and the first thing they asked was who provides your insurance. What a bum insurance company - which one was it (link?) or is this just Daily Mirror crap reporting again? Link to comment Share on other sites More sharing options...
Théière Posted August 26, 2019 Share Posted August 26, 2019 Too far back now, I was working in insurance for a while and it was a shocker. Link to comment Share on other sites More sharing options...
Spider Posted August 26, 2019 Share Posted August 26, 2019 Recommended cover by the people who should know:5 days to 1 month, we recommend $50,000 – $100,000 in medical coverageOne month to 3 months, we suggest $100,000-$500,000For three months or longer, $250,000 or more.https://www.internationalinsurance.com/articles/how-much-insurance-do-i-need.phpWe usually travel to high risk (as in expensive) countries for about 3 to 4 weeks at a time so Mondassure serves us quite well in cost v cover Link to comment Share on other sites More sharing options...
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