mikeincharente Posted July 26, 2009 Share Posted July 26, 2009 When we used to live in UKland we had an annual travel insurance policy which covered us for Europe. Is there such a policy for travellers in France? Our big concern is that sometimes we have to catch a connecting flight - but now there is no such thing, we fly 2 seperate flights, so the airlines insurance is double to each way. Link to comment Share on other sites More sharing options...
gosub Posted July 26, 2009 Share Posted July 26, 2009 This is one of the big players to give you a start.http://www.mondial-assistance.fr/en/individuals/products/travel.htm Link to comment Share on other sites More sharing options...
Nell Posted July 26, 2009 Share Posted July 26, 2009 Credit Agricole Gold MasterCard Link to comment Share on other sites More sharing options...
Maricopa Posted July 26, 2009 Share Posted July 26, 2009 I use columbus direct. Link to comment Share on other sites More sharing options...
sharkhunter Posted July 26, 2009 Share Posted July 26, 2009 Columbus direct say that for their annual travel ins you must begin and end your travels in the UK. Not a lot of good if you live in France or elsewhere which i believe the original poster intimated, unless i have read it wrong............... Link to comment Share on other sites More sharing options...
Maricopa Posted July 27, 2009 Share Posted July 27, 2009 [quote user="sharkhunter"]Columbus direct say that for their annual travel ins you must begin and end your travels in the UK. Not a lot of good if you live in France or elsewhere which i believe the original poster intimated, unless i have read it wrong...............[/quote]No you may have input the details into their system wrong. I live permanently in France, and I can assure you my insurance is correct. On the page I linked to the first thing you have to do is use the drop down to say where your residency is. Link to comment Share on other sites More sharing options...
val douest Posted July 27, 2009 Share Posted July 27, 2009 Trailfinders does a very competitive annual multi-trip policy for anyone residing in Europe - see http://www.trailfinders.comand go to insurance (among the headers at the top).My daughter had occasion to claim last year; I remember her saying they were very helpful and the claim was paid promptly and in full. Link to comment Share on other sites More sharing options...
sharkhunter Posted July 27, 2009 Share Posted July 27, 2009 Hi Maricopa, thanks for that, had another go using drop down menu and there was no mention of having UK base. The total was almost 300 euro for world wide for my wife and i, thats way more expensive than in UK, price we pay for being in France i guess. Just to say that i have used NOMAD Insurance to travel to Africa this year and is on par with Columbus, Hugh. Link to comment Share on other sites More sharing options...
val douest Posted July 28, 2009 Share Posted July 28, 2009 Gosh - that seems a lot! The Trailfinders premiums are quoted in £ sterling whatever European country you are resident in and their standard annual policy works out at £144 for a couple under 66. But after that it doubles...(and after 70 it triples!). Link to comment Share on other sites More sharing options...
NormanH Posted July 28, 2009 Share Posted July 28, 2009 I would second Nell.You don't need a separate travel insurance if you pay with the right card, in her and my case Crédit Agricole Gold Mastercard. Link to comment Share on other sites More sharing options...
hakunamatata Posted July 28, 2009 Share Posted July 28, 2009 We would love to return to Africa for another holiday and when we lived in UK we were insured with Saga who were excellent but who cannot cover us over here. They gave full cover for all OH's existing illnesses i.e. diabetes, heart problems etc. His illnesses are the stumbling block because most companies dont even want to quote a higher premium they just do not want to know. Has anyone out there the same problem with travel insurance and are there any solutions - I dont really want to go on my own! Link to comment Share on other sites More sharing options...
mikeincharente Posted August 3, 2009 Author Share Posted August 3, 2009 Thanks to everyone who came up with an answer, very helpful! Link to comment Share on other sites More sharing options...
hakunamatata Posted August 3, 2009 Share Posted August 3, 2009 Wish I could say the same, anyone want to come to Kenya with me next year? Link to comment Share on other sites More sharing options...
val douest Posted August 4, 2009 Share Posted August 4, 2009 Apologies, Margaret, if you have already looked at all these references with no success but if not, they may be worth investigating. The most interesting one appears to be the first as it says it covers UK and EU residents and has a special policy for those with pre-existing conditions. (I have no personal knowledge of any of the companies.)http://www.mrlinsurance.co.uk/travel-insurance.aspxhttp://www.expatfinancial.com/travelinsurance.htmhttp://www.jsinsurance.co.uk/travel_insurance/faq/health/pre-existing_medical_condition_cover.html (the companys offer insurance for french residents)http://www.the-insurance-surgery.co.uk/index.htm?ref=There are also a few insurance companies offering travel policies listed on the AngloInfo site.Good luck!Val Link to comment Share on other sites More sharing options...
hakunamatata Posted August 4, 2009 Share Posted August 4, 2009 Thank you Val, I have looked at the first one and unfortunately its a NO. I will look at the others but dont hold out much hope, thank you so much for your information which I am sure will be useful for someone. I guess it is risk it without insurance or just stay at home an vegitate!!!!! Link to comment Share on other sites More sharing options...
hakunamatata Posted August 5, 2009 Share Posted August 5, 2009 Hello again Val, I have had time to look at the other links and I may have found what we want with the Insurance Surgery link, they do charge extra but only £100 which is nothing really for peace of mind. Thank you again. Link to comment Share on other sites More sharing options...
val douest Posted August 5, 2009 Share Posted August 5, 2009 Great news, Margaret - I hope it works out and that you are able to plan a return visit to Africa together.Val Link to comment Share on other sites More sharing options...
Sprogster Posted August 5, 2009 Share Posted August 5, 2009 Care needs to be taken with Annual Travel Insurance policies to read the small print very carefully, as to what reporting obligations are required if you develop a new illnes or chronic health condition, whilst under cover. Otherwise, you can find your policy invalidated when you come to claim, if you did not keep the insurance company updated as to changes in your health. Link to comment Share on other sites More sharing options...
hakunamatata Posted August 5, 2009 Share Posted August 5, 2009 Yes I understand Sprogster but we will probably only go for a one trip cover and the company will be kept well informed, we are not new to travelling just new to being old and infirm!!!!!! Link to comment Share on other sites More sharing options...
NormanH Posted August 5, 2009 Share Posted August 5, 2009 I know I can be irritable, but Nell and I have both explained that if you pay by Gold Master card you don't need separate Health insurance for travel, at least that is how I read the contract.Nobody seems to have taken notice of that, even to the extent of proving me wrong (which I would be interested in as it would change the way I do things!) Link to comment Share on other sites More sharing options...
Nell Posted August 5, 2009 Share Posted August 5, 2009 Dare I say again - Credit Agricole Gold mastercard - no health questions asked, worldwide cover, no questions about are you going to bungee jump etc. etc [:D]Cost 122 euro a year and that covers member and spouse/partner + any children under about 25 or so. also each time you use the card as a CB (pay shopping,garage,restaurant, whatever, 10 cents for every use comes off next years fee. This may build up to very little for some, but can add up quite nicely for others.Also subtract 37 euro from the 122 euro, as that is what it costs for a normal CB card per annum Link to comment Share on other sites More sharing options...
NormanH Posted August 5, 2009 Share Posted August 5, 2009 Quite so.I think there is a British mindset which tries to find equivalents in France where it is not necessary.For example if you have a French car insurance you don't need a separate breakdown insurance (style AA)and if you pay with the Gold card we have talked about you don't need a separate travel insurance.As I also pointed out on another thread, with that card I pay on the 27th of the month, so all my medical bills which I pay with that card have usually been re-reimbursed before they are taken out of the account Link to comment Share on other sites More sharing options...
hakunamatata Posted August 5, 2009 Share Posted August 5, 2009 Hi NormanH It is interesting regarding the CA Gold Card but I think you should look more carefully into the cover offered for travel insurance. It doesnt make sense that a company will insure someone with multiple serious illnesses for travel abroad. We are talking about heart problems and diabetes here not minor ailments. I would seriously look into your agreement and I will have a look at the terms and conditions as well. Link to comment Share on other sites More sharing options...
hakunamatata Posted August 5, 2009 Share Posted August 5, 2009 Fly high protection With the Gold Cartwin, get anywhere in the world of assistance services and insurancecancellation or interruption of a journey, loss, theft, damage to your luggage damage / theft of a rental car, Relief on the ski slopes That is all it says on the internet regarding travel cover, it doesnt mention anything about sickness or existing conditions or for any airline problem or disability caused by an accident. I would look at it again Norman if I were you. We had cover with our credit card in the UK but we still took out travel insurance. Link to comment Share on other sites More sharing options...
Nell Posted August 5, 2009 Share Posted August 5, 2009 I hope I am not breaking any rules here....Below right is the ''''gold card cover'''' - and you can phone britline (or email) and they will answer any individual questions you may have (all in english) Both OH and I have pre-existing medical conditions and this was a question I asked - They don't want to know !! MasterCardGold MasterCardBank servicesWithdrawals / paymentsStandard limitsSuperior limitsEmergency services-In the event of loss or theft of the card when abroad, emergency foreign currency, a replacement card in on average less than 72 hours.The Bonus GoldBonus GoldN/AA bonus of 0.10 € for all withdrawals made at CA cash distributors and all payments made with the card (not including Moneo), deductible from your second annual card fee. Annual card fee for first card holder*33.50€105.00€Assistance services – Cover from the moment you become a card holderPersons coveredFamily members**, only when they travel with the card holderFamily members**, whether they are travelling with the card holder or notTransfer and repatriationYesYesReimbursement of medical fees when abroadYes, up to 11000€Yes, up to 155000€Legal assistance abroadYesYes- legal expensesUp to 800€Up to 3100€- an advance of legal expensesUp to 3100€Up to 15500€- an advance of bailUp to 3100€Up to 15500€Recovery fees from ski slopesYes, up to 4600€Yes, up to 10000€Assurance services – Cover from the moment you pay using the cardPersons coverFamily members**, only when they travel with the card holderFamily members**, whether they are travelling with the card holder or notAccidents while travelling (death or permanent disability)YesYes- Whilst travelling on public transportUp to 95000€Up to 310000€- Whilst aboard a hire vehicleUp to 46000€Up to 46000€Cancellation or interruption of voyage -Yes, up to 5000€Delayed flights or trains, delayed baggage-Yes, up to 250€ per event, 1600€ per annumLoss, theft or deterioration of baggage checked in whist using public transport-Yes, up to 800€ per event, 1600€ per annumPublic liability when abroad-YesSnow & mountain (recovery from ski slopes + transport to hospital + reimbursement of costs)-YesDamage / theft of hire vehicles on the condition that they have been reserved and the rental fees paid-YesOther servicesDedicated hotline***-YesTravel agency-YesShow reservations-YesCar rental-YesDelivery of flowers / wines-Yes* Tarifs correct on 01/05/2007. Please note that there is a 50% reduction for second and subsequent card holders.** This includes cover for members of the family under 25 years who are considered to be under the fiscal charge of the cardholder; ascendants who are under the fiscal charge of the cardholder; the known partner of the cardholder or spouse.*** Number printed on reverse of Gold MasterCard, accessible worldwide 7 days/7 & 24H/24 Link to comment Share on other sites More sharing options...
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