To think that people are idiots for not buying travel insurance

[MenyMeny]

Maybe it's because of the numerous high profile cases of people dying abroad but I don't understand why so few people seemingly buy travel insurance.

I've seen at least three cases where people have passed away with no travel insurance and are now fundraising to cover costs.

I was also on a SM post where numerous people were saying how they never bought travel insurance as they "didn't see the need" even when they admit to travelling abroad numerous times a year.

Frankly, if you can afford a trip abroad, you can afford cover or AIBU?

Oh how terrible! So sorry.

If you have ongoing health problems you are more in need of travel insurance. It is expensive because of the high risk of you making a claim.
my 81 year old mum has stopped holidaying abroad due to the cost, I have told her to pay it whatever it is if she can afford it as holidaying abroad was what gives her the most pleasure.
Now she sits at home doing very little instead!

So long as you have a GHIC, you'll be covered for almost everything medical.

Excellent facilities and they are well used to dealing with holiday makers.

You'll be fine.

Repatriation if something serious happened and you needed to fly home with a medical team? Ongoing costs associated with not being passed as fit to fly home? I doubt it!

It is true for come conditions. My OH's cancer barely increased our travel insurance costs. It's a long term cancer, treated by long term drugs, and the risks of anything disastrous happening during a week or two is minimal. The medical screening is very clever and detailed. His cancer isn't one that's going to suddenly cause a collapse or need immediate/urgent attention as he's been steady with no side effects or problems for three years! They don't just ask whether a traveller has cancer, they ask exactly what type, date of diagnosis, number of hospital admissions, number/type of drugs, etc.

That's exactly what all the Go Fund Me people thought. It may cover routine/common stuff, but won't cover repatriation, longer term care, etc., nor will it cover costs of your family/next of kin to stay with you (hotels, etc).

Did you consider having the funeral in Australia?

Err the context is, this poster has no choice, she had insurance, stayed longer in Mallorca and now cannot get cover... there is no point hitting her with a series of highly unlikely scare stories.

I remember reading a sorry tale a while back.

A young lad on a gap year in SE Asia decided to hire a moped, came off and very badly injured his leg (in danger of losing it). He had insurance but moped riding was excluded.

His father was having to remortgage his house to raise the money to bring his son home. The injury meant he couldn't travel on a normal flight.

A silly, spur of the moment, decision had massive consequences.

How often do people think 'it will be fine'? The French campsite we were staying on this year had a quad bike course for kids. I wonder how many people think about their travel insurance before booking their kids in.

...again, did you bother to read her situation?

Some countries do require this

My ex was taken seriously ill in the US, costs would have bankrupted us if we didn’t have insurance.
I also know someone whose husband died (very unexpectedly) whilst on holiday, and repatriation costs are not cheap if you don’t have insurance.
as some others, mine is free with my bank account so I don’t have to worry about it. But for most people without health conditions it’s pretty cheap, so very stupid not to get it.

I posted earlier about Lloyds not covering DH because he needs a hip replacement at some point. I opened a new Flexplus account with Nationwide today as they use Aviva who only want a year's medical history and will cover pre-existing conditions. I did an assessment before I opened the account and they'll cover him for the £13 a month fee plus £110 upgrade.

It's only £14 a year more than I was paying Lloyds and we'll both have mobile phone insurance rather than just me.

I have just used Coverwise and last trip was with Cedar tree, give them a try.

I don’t get it! Like you say. Pay all that money for a holiday and then don’t get travel insurance? Then have the cheek to ask for a go fund me to bring home.

They were on lockdown so no one could enter unfortunately

That all sounds very tough. So sorry you had to endure it 💐

During the lockdown I tried to search the number of funerals which were taking place, because it seemed to me that so many thousand people died, that it seemed impossible to imagine the number of funerals which were taking place.

I couldn't get any numbers for funerals, not by area, county or Funeral Directors. Each time I tried, all I had were the numbers allowed to attend the funeral.

It left me wondering what was happening to the bodies of those who died. There were so many, if you recall, that the Government changed the death certificate to record a covid death only if the deceased had tested positive during the previous 28 days, when the numbers began to decline. People still died in their thousands, they just didn't have covid on the death certificate.

Were we ever told how many funerals took place during the pandemic?

Depends on the insurance.

I have 2 disabling chronic illnesses and a genetic disorder. I’m a wheelchair user and on multiple medications.

BUT- none of them are hospital/medical emergency creating. They don’t work like that- I’ve never spent a day in hospital except for 24 hours for labour.

My insurance through my bank account covers me without any extra premium.

https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsregistrationsummarytables/2020

probably safe to assume that apart from the odd under the patio diy ones the number of funerals/ cremations is the same as the number of deaths.

The deaths were obviously registered. My interest was wondering when funerals were taking place. There was so many rules about the number of people who attended the funerals, but no information as to when those funerals were.

It seemed to me a simple enough search, to find out how many funerals were taking place at any time during the pandemic as there were so many thousands dying and funeral directors isolating too. If information had been available, I would not have questioned it.

I think it’s unbelievably selfish to travel without insurance, if something happens to you, it’s your family who end up re-mortgaging/taking on huge debt to manage the situation.

I do have sympathy for people who don’t fully understand what their insurance covers or doesn’t cover and think that should be made far clearer.

I used to do some medical re-patriation work and the costs are astronomical.

Dangerous to do this though as if you have to cancel for one of you being ill or another reason then the people not on that same policy won’t be covered to cancel