Insured, or not?

Hi Cheryl

A week or so ago, a member stated they had contacted their insurer who stated they were covered for “emergency medical assistance, including C19”. They suggested I check with my insurer. Woopee!! I rang my insurer, SAGA, to check our status. I was informed that, as it states on the website, we were covered for emergency medical assistance, including C19, and repatriation in the event of C19.

That’s me off to Spain then 😎

Reading your post this morning, I thought belt and braces, I’ll ring again. After trying for ages, I couldn’t get through so decided, yawn, to look at the policy. Guess what, you’re right, we won’t be covered. Either I didn’t explain my circumstances clearly, or they were misunderstood. I can only apologise unreservedly. 🤪🥂

Thank you Angebadge but maybe you rang them before the FCO advised against all non-essential travel?
I have turned down thousands of claims in my working life and every time the reason for the refusal was in the terms and conditions, I couldn't have done it otherwise.
With travel insurance a big problem is cover provided via a bank account where people have gone years thinking they are fully covered but unless they tell the insurer of all medical conditions diagnosed or treated after the insurance was first taken out they could be on a very sticky wicket.
I was mainly concerned that people were travelling without cover which could lead to big problems should something go wrong.

Hi Cheryl

Well, I’ve just learned something from your post. A friend of ours is an ex banker (!) and constantly reminds us (crows actually😂😂) that he gets his insurance “free” as part of his account t’s and c’s. As both he and his wife now multiple health conditions, I shall have the pleasure of crowing to him that they’re possibly not adequately covered. Seriously, they’re very close and treasured friends, however......🤪🥂

https://www.thisismoney.co.uk/money/bills/article-8571861/Can-warzone-travel-insurance-cover-Spain.html
Possibly but with many exclusions.

Hey Ray.

😂😂

Wasn’t it Betty Grable’s legs? I think Marilyn had other insurable  “assets” 🤪🥂

There you go! Some smartypants, I think it was WDG,  suggested it was an Avatar! As if. As I said at the time, that’s what I see every morning when I look in the mirror. 🤪🥂

Hi I have been reading a lot of people are getting insurance with Battleface who cover FCO enclosing quote

I have read the basic t&cs and the quick quote only covers those up to the age of 59 otherwise you need to contact them for a quote. There is no cover for cancellation, curtailment or lockdowns and doesn't cover any pre-existing conditions, even if you have not yet been diagnosed and are on a waiting list for any investigations or taking any medication apart from very general ones such as birth control.
You cannot get cover if you have any respiratory conditions or heart problems, strokes or diabetes.
So, if you have a clean bill of health and are reasonably young, you can get cover and this is because even if you do get Covid, you are very unlikely to need hospital treatment or need to be repatriated.

I have spent a good part of my working life turning down claims where people thought they were covered (and paying those that were) and another few years in fraud detection. Enough to know that insurers are not going to be gung ho about Covid so I can only suggest that everybody who thinks they are insured should have a good long read of the terms and conditions, especially the exclusions, your responsibilities and the declaration that you sign.
For those who pay for a bank account with travel insurance included, chances are you took that out years ago and have since collected a range of ailments and conditions that you have not advised the insurer about which, in many cases, could lead to the medical cover being invalid.