Drinking Holiday Insurance

jackyann

The cheaper travel insurance asks you to use your EHIC or reciprocal agreement health cover, then covers the rest.
That means you are covered for getting back or for your body being repatriated (sorry!), but it means you are not paying excessive amounts for private, unnecessary, treatment.
I have had this cheaper, standard insurance for a long time, and it was when I went on my first "package" holiday that I realised how the holiday companies try to sell you their own, expensive insurance.

As for being intoxicated - this seems ridiculously vague to me. There is a big (although unquantifiable) difference between having a few drinks and being incapably drunk. I sadly suspect that a young man in an Eastern European city will be assumed to be "intoxicated" whilst a nice middle aged lady in the Dordogne isn't. Someone tell me I'm wong!

duchy

zagfles wrote: »

No this thread is about someone who wants insurance which covers getting rat-a**ed. Nobody seems to have answered the OP's question and pointed out a suitable policy, just the usual stories about how insurance companies don't pay out if you're ratted yet still the lectures about getting insurance!

They need a specialist broker - you perhaps missed that post.
Problem is getting ratted and hurting oneself is considered high risk so will cost the OP a few hundred at best assuming they can find an underwriter prepared to take them on.

Probably be cheaper to cancel the Turkey holiday and rebook for Benidorm even with cancellation charges than take out such a policy.

George_Michael

zagfles wrote: »

Who do you think would pay to get your remains home if you died in the UK 300 miles from home?

My family would pay but the amount that they would have to pay would only be a fraction of the cost compared to bringing my remains from another country.
They would have to pay for (amongst other things):


Export certificate,
Certified copy in English of the death certificate,
Coffin sealing certificate,
Certificate of embalming,
and as the body will need to be brought back in a zinc or lead lined coffin, this may well have to be paid for.

Moto2

George_Michael wrote: »

My family would pay but the amount that they would have to pay would only be a fraction of the cost compared to bringing my remains from another country.
They would have to pay for (amongst other things):


Export certificate,
Certified copy in English of the death certificate,
Coffin sealing certificate,
Certificate of embalming,
and as the body will need to be brought back in a zinc or lead lined coffin, this may well have to be paid for.

Just get them cremated where they die and either ship the ashes back of have them scattered/disposed of there?

A friend of my wife was murdered in Thailand and the authorities had him cremated within days.

zagfles

Moto2 wrote: »

Just get them cremated where they die and either ship the ashes back of have them scattered/disposed of there?

A friend of my wife was murdered in Thailand and the authorities had him cremated within days.

And I bet it was cheaper than a typical UK funeral.

bagand96

zaax wrote: »

Please explain how you get to this idea, considering EHIC card covers health; only £250 (max) if you are robbed or lose a non valuable item (mobile phones / tablets aren't covered); flight delay is only £50 (though £250 from the airline); volcanic ash not covered; the only thing that it does cover is emergency air evac.

I knew someone who was otherwise fit and healthy with no health issues or history. Went to France on holiday and had a brain haemorrhage. Out of the blue. Now, the French health system responded well but the recovery was going to be drawn out and in the end repatriation was decided by their family to get them back to the UK to continue their treatment.

In the end it happened by road. But needed medical staff all the way through France and from Dover to a hospital in the south of England. Cost was not far off £10,000. Luckily they were insured. If it had been a transfer by air ambulance it would have been nearer £25k.

I know I couldn't afford that without remortgaging, maybe even downsizing. Is the chance of it happening remote? Yes. It is worth not insuring? Not for me.

There's also the cancellation protection.... the benefit of which is proven on this forum almost weekly.

pendragon_arther

If a helicopter smashes into you when you're drunk, because your body is more relaxed there is a likelihood you will survive much better than if you were sober. Also if you crossed the road when ratfaced and an articulated lorry flung you twenty yards into the air the same phenomina is likely to occur.

Seriously, and I don't think you or anyone else here is being so, just don't tell the insurance company you're intending on destroying your livers.

Pollycat

zagfles wrote: »

Well look on the EHIC website then. That's right. So anyone travelling to France without travel insurance is no more stupid than a French person who doesn't have private health insurance. If you got your teeth smashed in your accident in York, see how much you'd have to pay for a set of implants. You won't get them on the NHS. Usually about £2k+ per tooth, so maybe £10k. Do you have insurance that covers that? If not, better not travel to York Even private dental insurance doesn't usually cover implants.

I'm sure EU citizens visiting the UK get lectured about that in the same way as UK citizens visiting EU countries.

What a very strange post.

Moto2

We seem to be turning into a very risk adverse society, even the slightest of risks has to be mitigated by an increasing amount of people, I guess it's why an awful lot of people now get their excitement from a screen rather than real situations.
Some people need some perspective, to describe going abroad without being insured to the hilt as very stupid is stretching it a bit, driving the wrong way up the M1 at 70mph is very stupid, going without insurance is just a different choice.

pleasedelete

I was once next to a nurse on a plane. She was flying out to Australia in business class via Singapore to then fly back with a Uk patient. There were going to be 2 of them with him flying back- all 3 in business. Imagine how that much costs. She is on standby and has a couple of hours to get to the airport to go anywhere in the world.