Another vote for LV here. We have used them several times for trips beyond the EU and they offer reasonable rates, good cover and - most importantly for us - a maximum trip length of 90 days for us old fogies. Jenny has a couple of pre-existing conditions and the annual policy works out at around £300.
On the other hand, when spending time in Spain, we rely wholly on EHIC. The health service down here is excellent and free. The problem with EHIC is that the standard of care varies from member country to member country so you need to check it out for where you are going before deciding whether you need extra cover. Also, EHIC doesn't include repatriation but that doesn't matter to us; if it matters to you then you need insurance. Our motorhome insurance (with Safeguard) includes bringing the van back home if I become incapacitated.
That Flexiplus account looks too good to be true, if I'm not mistaken one gets 3% interest on the first £2500 & nil thereafter.
Therefore, if I deposit 2.5 thou into the account, I'll get £75 interest to come off the £120 yearly cost but I'll have to add £90 for the prolonged period, which still sounds reasonable for worldwide travel insurance. There's also other benefits like mobile phone insurance.
Or am I missing something here???
Britons were wild camping long before campsites, it's a basic human right.
As an adjunct ref the ski insurance. Spoke to a semi ex-pat on the ski lift today who says he uses normal insurance/ehic? But then bumps it up with local ski cover "skineige" or something like that, sorry, I'm being a bit vague as haven't had the chance to do my normal, geeky, internet research around the ideas.
But given that to move from 45 to 60 day cover, which we did purely because of the ski issues, cost us an extra £112 it's something I will investigate.
The member formally known as Star Trekker and DavidV
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