Medical insurance advice

Your Red Pennant will cover it if you take motoring and personal

Red Pennant cover up to 185 days for single trip motoring and medical. When ever I have looked for alternative medical insurance for our two month trips I have never succeeded in finding anything that works out any cheaper, particularly if you have existing medical conditions.

David

We look at the number of days covered and tailor our trips to suit.

You need to factor in when you leave home, but once back in UK you don't need to count any days to reach home (despite  what it says)

FrankCraig. Much depends how old you are, and you don't say.

When we were younger we could buy worldwide medical insurance - either an annual policy or long stay single trip - very cheaply. Single trip can be any length up to a full year and the insurance companies often refer to them as backpacker policies. At that time of life we never used Red Pennant.,

Now we are very old Red Pennant is actually the affordable one. All the others are now at our age very expensive .

Yes, with being VERY (73 + 67)  old (is that VERY old these days?) and having pre-existing conditions, Red Pennant is good for us too.

The fact that we only feel about 30 does not seem to be taken into account!!

Yes, with being VERY (73 + 67)  old (is that VERY old these days?) and having pre-existing conditions, Red Pennant is good for us too.

The fact that we only feel about 30 does not seem to be taken into account!!

Old? Still a young couple!

On thread, some credit and bank cards offer cover, which they seldom mention. It is worth checking out. I spent a considerable period in Azerbaijan, I had to buy my airline tickets on Barclay card and had to return eacn 3 months. This I intended to do anyway, and it gave me free insurance.

Some banks and building societies do indeed give free medical cover but as with all things you have to read the small print. In October we went to Brussels for a few days via Eurostar. We knew that Nationwide gave free cover so I phoned them. Unfortunately they would not cover Margaret as 10 months previously she had, had a heart bypass operation so we ended up paying £60 for four days and that was the cheapest I could find!!! Come the anniversery of the operation they will be happy to provide cover free. 

I wonder if Red Pennant covers Azerbaijan

David

You say you have Red Pennant. This is the club's foreign cover so if you have that then medical expenses should be arranged with that. If you only have Mayday which is the UK cover you need Red Pennant or similar as repatriation of a motor home from Europe, if needed, is very expensive.

I am starting to fall out with Red Pennant as they will not cover my wife since she has been put on Warfarin, I have had to take out a seperate policy for her, so I may well  look elsewhere to cover the both of us.

Admiral

Admiral does not say where he is going, also things may have changed, plus it is a very specific exclusion. However, when we went abroad in 2014 Red Pennant did not load my premium for pre existing medical conditions. It was the first time an insurer had ever done that, so I questioned it to be sure I was covered. We were only going to France and that and a few other countries were exempted from most pre existing medical condition surcharges. They even pointed me to the appropriate bit of the T&C's so I could satisfy myself I was covered.