E111 travel insurance??????

zappahey

dmg24 wrote: »

The insurance I have taken out today (American Express) states it!

If it's that same Amex one as mine, it says that you are advised to get an EHIC, it does not insist. Furthermore, if you do get an EHIC, the excess will be waived.

Is that what yours says or do they insist? Which policy is it, as the Amex T&Cs are online, so we can link to them and know which policy to avoid?

Altarf

dmg24 wrote: »

The insurance I have taken out today (American Express) states it!

From the Amex T&Cs

Reciprocal Health Agreement - European Health Insurance Card (EHIC)
If you are travelling to a European Union country, we advise you to apply for a European Health Insurance Card (EHIC).
This card entitles you to certain free or reduced cost health cover arrangements in European Union countries, and if you use it to reduce the cost of a medical claim under Section 2 Medical Emergency and Repatriation Service, you will not have to pay the excess in respect of that claim.

So you would save the excess, but still not the same as -

vikingaero wrote: »

Some travel insurers insist that you mitigate the cost of any medical treatment by having a valid E111 card.

vikingaero

Altarf wrote: »

From the Amex T&Cs

Reciprocal Health Agreement - European Health Insurance Card (EHIC)
If you are travelling to a European Union country, we advise you to apply for a European Health Insurance Card (EHIC).
This card entitles you to certain free or reduced cost health cover arrangements in European Union countries, and if you use it to reduce the cost of a medical claim under Section 2 Medical Emergency and Repatriation Service, you will not have to pay the excess in respect of that claim.

So you would save the excess, but still not the same as -

Amex waive the excess and so do a few other insurers. From my years of working in insurance, more budget insurers and even holiday companies are beginning to insist on compulsory EHIC.

For example:

http://www.smilehols.com/Terms%20and%20NEW%20Conditions%20on%20booking%20a%20holiday%20with%20Smile%20Hol.htm

Point 5 of the above link.

pandas66

The E111 is good for the medical/medication you might need but not for any thing personal.

I travelled to Cyprus 3 years ago with 2 children, aged 13/14 and 10/11. I fell ill, ended up in hospital for 3 days and hotel/food and travel for 3 of us as we 'missed' our flight home.
The insurance company sent a rep out to me, offered anything I needed. Offered to bring my Mum to me to look after the boys. Arranged all other requirements that may have been neccesary. It was an extremely small price (£20) but the cover, the assurance and the arrangements we recieved was 2nd to none.

Altarf

vikingaero wrote: »

Amex waive the excess and so do a few other insurers. From my years of working in insurance, more budget insurers and even holiday companies are beginning to insist on compulsory EHIC.

For example:

http://www.smilehols.com/Terms%20and%20NEW%20Conditions%20on%20booking%20a%20holiday%20with%20Smile%20Hol.htm

Point 5 of the above link.

The link does not relate to an insurance policy, and appears to be terms set by a rather small specialist holiday company.