ubiquitous
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Yes, and VHI (and some credit cards) cover for these situations, which is why I never buy travel insurance.
True, but up to a certain limit afaik, €50k?
Cover for in-patient hospital costs of up to €65,000.
We'll arrange for an air ambulance home for further treatment if medically necessary.
Travel insurance also covers you for cancellation, curtailment, missed departure, delay, personal liability, etc...
You MUST have a travel insurance if you go package holidays, so no choice there.
I'll grant that package providers like to insist on it, but I've never had to.
I agree. And on a more general point it often makes no sense to insure for relatively small risks that one can probably cover for yourself.Travel insurance is generally a waste of time in relation to compensation for lost belongings etc. Its main purpose is to pay for emergency medical treatment while abroad and to facilitate repatriation home in the event of death or serious injury.
If people read the terms & conditions of insurance policies and other agreements before they signed on the dotted line then it might help.If travel insurance companies were more honest with people, they would admit this, but then again as consumers we are suckers for gimmicks, even useless gimmicks.
What is it recently?
when I rang the claims dept they told me I wasn't covered for leaving from the UK. I'd taken such holidays many times before, having no idea that I wasn't covered for anything!
You mean anywhere other than US? Sounds risky to me.u need travel insurance for the US. i wudnt bother with it for europe etc
Relying on VHI for a holiday outside europe (E111 covers you in EU) is not sensible. €65,000 is not a lot for medical in patient costs if you are involved in an accident. Although VHI will pay for an air ambulance they will only fly you if there is a bed here to take you. So if you are very ill with say head injuries you can only come back to ireland when you have arranged a bed in Beaumont. Now as we all know the only way into a public hospital in ireland (can't get brain surgery done privately) is through A&E or off a list following a consultants referral. No decent foreign hospital is going to release a stable patient to an air ambulance with no hospital bed at the other end.
(can't get brain surgery done privately)
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