Drinking Holiday Insurance

SandC

Foreign travel is a luxury is it not? So if you're paying for a luxury then why not stick another cost of £15-£20 per person on top for insurance? I dunno what single trip insurance costs these days but I pay around £65 for a year's multi trip worldwide cover. Luckily never had to use it.

Anyone who is saying it's not worth buying, do you have cover for, say, your mobile phone? People seem happy to pay out for that every month which, quite frankly, bewilders me when they often won't pay out for other insurances.

duchy

zagfles wrote: »

So why doesn't he just stay in the Dublin hospital to recover? If I was confined to hospital I wouldn't really care whether it was in Dublin, London or Paris. We had a relative in a foreign hospital (well not foreign to him as he now lives there) and he chatted over Skype to his friends/relatives every day, including us.

Wonder how many people living in the north of Ireland take out travel insurance for their cross-border shopping trips?

Presumably though you are single and don't have a partner with a job or children who need to attend school . If you have family you'd be faced with the choice of staying alone in a non local city- no visitors -or paying out to ship them over to be with you , pay for their accommodation to be there-plus loss of the partner's earnings and disruption to the children's education. If you wanted to keep your home mortgage or rent of course would still need to be paid. Of course if you still live at home with parents then it's a non issue and your eat nothing but hospital food and have no cash for extras and just need to find the fare home (bank of Mum and Dad again no doubt ) is your solution.

Most people though would prefer their loved ones close by rather than be alone when seriously ill or injured ! (Your relative is a bit of a straw man argument -he's in a "home" hospital-if he's well enough to have numerous daily chats on Skype he's not *that* ill-plus internet access is an extra in most hospitals home and abroad- how would you pay for it -Bank of Mum and Dad again ?) Again insurance pays a daily amount when you are in hospital that covers expenses like snacks, internet access, phone calls etc. If you are only getting SSP (or worse) and still need to pay rent or mortgage that money needs to come from somewhere. I'd imagine anyone who thinks travel insurance is an unnecessary expense probably feels the same about a critical illness policy.

With regard to your question about NI residents going on cross border shopping trips - My understanding is the Republic has such a higher cost of living it isn't something people do anymore - but I'm working with some of the guys in NI this afternoon so perhaps I'll ask them.

I suspect though with no water to cross there's probably some reciprocal agreement between the health authorities North and South (for residents) as it would be in most cases a short ambulance ride to return you over the border (often shorter than transferring a critical patient from a local hospital to a specialist unit over here) and a cheaper option than keeping you for the hospitals and their budgets.

There's an awful lot of differences between how things work on the mainland and how they work in NI as the practicalities of their proximity to the Republic make it often more sensible to have reciprocal agreements and part of the reason why Stormont exists.

andrewf75

zagfles wrote: »

So why doesn't he just stay in the Dublin hospital to recover? If I was confined to hospital I wouldn't really care whether it was in Dublin, London or Paris. We had a relative in a foreign hospital (well not foreign to him as he now lives there) and he chatted over Skype to his friends/relatives every day, including us.

Wonder how many people living in the north of Ireland take out travel insurance for their cross-border shopping trips?

I think the fact that we have to cross a sea to go abroad makes is psychologically a bigger deal. Its also why people say things like "travelling to Europe" when we're already in it! As you say anyone crossing a land border wouldn't bother with insurance.

zagfles

Pollycat wrote: »

No it wasn't beyond me.

I just couldn't see why you were bringing in the issue of dental implants in the UK.

I'm sure anyone who goes to the dentist in the UK is aware that treatment is not free (unless you're on certain benefits).

You appear to be obsessed about dental implants for some bizarre reason.

You still don't get it do you? Or you're being deliberately obtuse as you haven't got an answer as to why people don't insure against an unlikely risk that could cost £10k in the UK but are stupid not to insure against an unlikely risk that might cost £10k in France.

zagfles

duchy wrote: »

Presumably though you are single and don't have a partner with a job or children who need to attend school . If you have family you'd be faced with the choice of staying alone in a non local city- no visitors -or paying out to ship them over to be with you , pay for their accommodation to be there-plus loss of the partner's earnings and disruption to the children's education.

Wrong, I'm married with a family. And I wouldn't expect them to travel just to visit me in hospital, why do you think I mentioned Skype. And that would apply whether or not I have insurance, no way would I expect them to miss school just so they can come hospital visiting! Whoever pays the cost.

Sorry but the next few paragraphs of your post are simply pointless rambling based on an incorrect assumption.

With regard to your question about NI residents going on cross border shopping trips - My understanding is the Republic has such a higher cost of living it isn't something people do anymore - but I'm working with some of the guys in NI this afternoon so perhaps I'll ask them.

I suspect though with no water to cross there's probably some reciprocal agreement between the health authorities North and South (for residents) as it would be in most cases a short ambulance ride to return you over the border (often shorter than transferring a critical patient from a local hospital to a specialist unit over here) and a cheaper option than keeping you for the hospitals and their budgets.

So are you saying "repatriation" to the UK is free for NI residents but not GB residents? How would it work if the person in the Dublin hospital was a NI resident?

zagfles

andrewf75 wrote: »

I think the fact that we have to cross a sea to go abroad makes is psychologically a bigger deal. Its also why people say things like "travelling to Europe" when we're already in it! As you say anyone crossing a land border wouldn't bother with insurance.

What about GB residents who visit NI, crossing a sea but not an international border? What if they then cross a land border to the Republic

theEnd

Travel insurance doesn't cover you if you're drunk!!!

What's the point of it then????

When does anything bad happen to you when you're sober??

bagand96

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.

Note to self, must add travelling to Europe without insurance to my bucket list. Sounds exciting!

Pollycat

zagfles wrote: »

You still don't get it do you? Or you're being deliberately obtuse as you haven't got an answer as to why people don't insure against an unlikely risk that could cost £10k in the UK but are stupid not to insure against an unlikely risk that might cost £10k in France.

What do dental implants - either in the UK or in France - have to do with anything?

Why are you obsessed with the subject of dental implants?

duchy

Interesting
I literally wouldn't be able to stop my OH from travelling to me if I was in hospital abroad. We're certainly not a dependant joined at the hip couple but he wouldn't entertain not been there for me. Fortunately though- the travel insurance would cover it

I can sort of understand why your spouse or children might not want to fly over at the weekends to visit you though if you wouldn't want them to. You'd probably only argue with them