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Urgent Question

Posted: Sun Oct 6, 2019 3:41pm
14 replies439 views7 members subscribed
Chrisjk

Posts: 72

Location: Albir

9 helpful posts

Hi All, I hope you can give me some Advise about my Travel Insurance. My Wife and I Purchased  Earlier this Year before we came to Spain to get our Residencia, but due to Complications with that we spent 5 Months in Spain, then we Returned to the UK for the Summer before coming back to Spain a few Days ago. Unfortunately My Wife has fallen Seriously ill. Our Problem is that we have exceeded the 90 Day Limit of our Yearly Insurance. So will the Insurance know how long we have spent in Spain ?  Thank You in Advance..... Chris

PeteKnight

PeteKnight

Super helpful member

Sun Oct 6, 2019 4:05pm

Posts: 1715

Location: Villamartin

1924 helpful posts

Posted: Sun Oct 6, 2019 4:05pm

At some point I would imagine that they’d ask you for your travel dates since the start of the policy. Lying to them isn’t a good idea, as if they smell a rat they may ask for travel documents etc.

If you’ve found to have lied then they’ll probably prosecute and you’ll be blacklisted (can we still say that?) so would find it difficult to obtain insurance of any type in future.

Do you have EHIC cards?

Pete.

Chrisjk

Chrisjk

Original Poster

Sun Oct 6, 2019 4:52pm

Posts: 72

Location: Albir

9 helpful posts

Posted: Sun Oct 6, 2019 4:52pm

Hi Pete, my Name is Knight also, lol . Yes we have EHIC Cards, but I am looking at the worse case scenario, that she wont Survive, Apparently they cant do a Lot for Her. and I would like to "Take her Home to the UK"     Chris

Kelvin1960

Kelvin1960

Helpful member

Sun Oct 6, 2019 5:32pm

Posts: 317

289 helpful posts

Posted: Sun Oct 6, 2019 5:32pm

Hi Chris

Firstly, may I offer you and your wife my best wishes.

My wife was taken ill while we were away a few years ago. Among the first questions asked by our insurer was for evidence of checked-in flights, to determine the duration of our trip.

Some insurance policies are annual multi-trip. I suggest you check your policy; if you have an annual multi-trip policy, your current trip only started a few days ago.

PeteKnight

PeteKnight

Super helpful member

Sun Oct 6, 2019 5:50pm

Posts: 1715

Location: Villamartin

1924 helpful posts

Posted: Sun Oct 6, 2019 5:50pm

Hi Chris,

Well, hopefully it won’t come to that, but I’d guess that if it did then the British Embassy would be the best people to advise you about the best course of action.

Fingers crossed that all goes well.

Pete.

Movingon

Movingon

Helpful member

Sun Oct 6, 2019 7:08pm

Posts: 808

Location: Albatera

474 helpful posts

Posted: Sun Oct 6, 2019 7:08pm

" if you have an annual multi-trip policy, your current trip only started a few days ago." 

Yes but they could still want to see your travel history and the onus is always on you to prove what you say not for them to disprove.

Hope all goes well for you. 

RayD

RayD

Legendary helpful member

Mon Oct 7, 2019 9:59am

Posts: 3340

Location: Catral

2311 helpful posts

Posted: Mon Oct 7, 2019 9:59am

Chrisjk wrote on Sun Oct 6, 2019 4:52pm:

Hi Pete, my Name is Knight also, lol . Yes we have EHIC Cards, but I am looking at the worse case scenario, that she wont Survive, Apparently they cant do a Lot for Her. and I would like to "Take her Home to the UK"     Chris

Has she been seeing a doctor in the UK or in Spain?

If you have applied for residencia earlier this year you must have either an S1 or private medical insurance as you can't apply for residence without one or the other.

If she hasn't seen a Spanish médico yet I suggest that you take her and her EHIC and passport to your Centro de Salud and ask for their help. You can explain that you are waiting for residencia to come through and ask them to see her in the meantime. It is obviously an emergency and I'm sure they will sort something out for you, even if only to give you a temporary SIP.

If you don't speak Spanish, take along someone who does, like a translator.


Chrisjk

Chrisjk

Original Poster

Tue Oct 8, 2019 11:47am

Posts: 72

Location: Albir

9 helpful posts

Posted: Tue Oct 8, 2019 11:47am

Kelvin1960 wrote on Sun Oct 6, 2019 5:32pm:

Hi Chris

Firstly, may I offer you and your wife my best wishes.

My wife was taken ill while we were away a few years ago. Among the first questions asked by our insurer was for evidence of checked-in flights, to determine the duration of our trip.

Some insurance policies are annual multi-trip. I suggest you check your policy; if you have an annual multi-trip policy, your current trip only started a few days ago.

Hi Kelvin, Thanks for your reply. Yes we have an Annual Multi Trip Insurance but it has a Maximum Stay Limit of 90 Days and we Exceeded that on our First Visit Here Last Winter.  Regards   Chris

Chrisjk

Chrisjk

Original Poster

Tue Oct 8, 2019 11:58am

Posts: 72

Location: Albir

9 helpful posts

Posted: Tue Oct 8, 2019 11:58am

RayD wrote on Mon Oct 7, 2019 9:59am:

Has she been seeing a doctor in the UK or in Spain?

If you have applied for residencia earlier this year you must have either an S1 or private medical insurance as you can't apply for residence without one or the other.

If she hasn't seen a Spanish médico yet I suggest that you take her and her EHIC and passport to your Centro de Salud and ask for their help. You can explain that you are waiting for residencia to come through and ask them to see her in the meantime. It is obviously an emergency and I'm sure they will sort something out for you, even if only to give you a temporary SIP.

If you don't speak Spanish, take along someone who does, like a translator.


Hi Ray Thank for your Reply. Yes she has an S1 and Residency but we have yet to Register on the Spanish Health System. She was Sent to  UCIE ? by Ambulance and is now in an Induced Coma,but the Prognosis is not Good at all. I will be Opening a New Thread Soon about Her Condition and to Give a Warning to Fellow Brits. Regards    Chris

Saranda

Mon Oct 14, 2019 8:42am

Posts: 6

Location: Albir

Posted: Mon Oct 14, 2019 8:42am

You could talk to your insurance company and ask for an extension. You have to pay an extra but that will be cheaper than other options.

I am spanish and I speak english. I could help you if you need me at the centro de salud or any other office.

Good luck and regards

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