Insurance Product when FCO advise against all but essential travel

JamTomorrow

We are due to travel to Spain (Murcia) for a 2 week holiday on Saturday, we have had this booked since last year.  We are in a fortunate position whereby the quarantine upon return is not an issue for us as I work from home, my Wife doesn't work and the kids are only due back in school more than 2 weeks after we return.

Whilst there is a risk of Coronavirus we do not see that as a significant incremental risk to us versus other risk we face every day as we are all in good health with no commodities.

Typically we would always travel with insurance and even though you read of ~20% of people going on holiday without insurance I do not think we would take that risk.
Given that our existing insurance is rendered void by the FCO travel warning I would like to take out a new policy that recognises the FCO warning but still provides us insurance whilst we are out there for 2 weeks.  For example, if we are in a car accident I'd like to be insured, etc.
Is anyone aware or have used specialist insurance brokers in these situations that provide travel insurance when an FCO advisory is in place and if so can you recommend any?  
Thanks!
 

ailbhejoe

Hi - I have found a few companies (we are in the same position & still plan to go to Spain in a weeks time).  Battleface.com gave a quote online that provided cover against FOC advice and covered medical Covid claims (but not Covid disruption).  I've emailed a few others & waiting to hear -  High Risk Voyager is the company I have come across the most in my googling.

JamTomorrow

ailbhejoe said:

Hi - I have found a few companies (we are in the same position & still plan to go to Spain in a weeks time).  Battleface.com gave a quote online that provided cover against FOC advice and covered medical Covid claims (but not Covid disruption).  I've emailed a few others & waiting to hear -  High Risk Voyager is the company I have come across the most in my googling.

Thanks.  I'm going to try a few brokers from 9 and see what their advice is.  I'm happy for there to be no COVID disruption insurance but if a kid dives in the wrong end of the pool I want insurance for that.  Just looking for something against low likelihood, high cost events and happy to take a large excess to de-risk an insurer against the smaller claims that I'll cover myself.

ailbhejoe

If you find any, could you post on here too please?

blindman

Would the cover provided by the EHIC cover low risk events?

silvercar

blindman said:

Would the cover provided by the EHIC cover low risk events?

EHIC would cover everything that local people could access at local hospitals at the same cost as they pay.
It wouldn't cover repatriation to the UK.

blindman

So it depends on the OP's attitude to risk.

Low level events such as broken bones illness can be covered so long as the injured party can travel back without the need for an Air Ambulance.

Long stays in hospital say due to heart attack recuperation may start to get expensive, but how likely is that?

Death would necessitate repatriation at a huge cost -but again how likely is that?

JamTomorrow

blindman said:

So it depends on the OP's attitude to risk.

Low level events such as broken bones illness can be covered so long as the injured party can travel back without the need for an Air Ambulance.

Long stays in hospital say due to heart attack recuperation may start to get expensive, but how likely is that?

Death would necessitate repatriation at a huge cost -but again how likely is that?

Correct, it's all a cost/risk evaluation for which we all have our own risk profile.  For me it's that nightmare scenario from diving in the wrong end of a pool, slipping whilst running on wet tiles, car accident involving hospital treatment, etc.
These are those extremely unlikely events that could be big cost where in the unlikely event they occur I would want insurance.  If it was £5 for a family of 5 for 2 weeks we would all have it, if it was £1,000 very few, if any, would have it.

I got a quote from battleface after the tip above.  It would be £190 for us.  Some people will think that is a waste of money but that is a price I am prepared to pay to still get away with cover for the big unlikely events.

happyandcontented

I agree, I would never consider travelling without insurance. 

blindman

JamTomorrow said:

I got a quote from battleface after the tip above.  It would be £190 for us.  Some people will think that is a waste of money but that is a price I am prepared to pay to still get away with cover for the big unlikely events.

I would read the T&C's VERY carefully as, has been seen. travel insurers play fast and loose with their "rules".

JamTomorrow

blindman said:

JamTomorrow said:

I got a quote from battleface after the tip above.  It would be £190 for us.  Some people will think that is a waste of money but that is a price I am prepared to pay to still get away with cover for the big unlikely events.

I would read the T&C's VERY carefully as, has been seen. travel insurers play fast and loose with their "rules".

Agreed.  Important advice under normal circumstances, and these are not normal circumstances.