Long stay annual holiday insurance

Sandtree

Slinky said:

Sandtree said:

bigfer said:

can you not buy back to back insurance with two separate policies?

Not generally, most insurance requires that they cover the whole holiday and require their coverage to start before your flight leaving the UK. 

There are specialist policies you can buy, though not from UK insurers and so a little "buyer be warned", that are able to be bought when you are already overseas but coverage tends to be weak outside of medical plus no Financial Ombudsman support etc if things go wrong. 

LindaJL said:

Sandtree said:

Neruda said:
Note that if you stay abroad for longer than the 45 days then the insurance from your bank will be invalid for the whole of your trip.

Certainly is if you dont inform them beforehand but Barclay's package travel insurance (from Aviva) can be extended for an additional premium but this is on a trip by trip basis. 

For the OP - what risks are you actually wanting covered? Given you are spending 6 months a year there presumably you have local property insurance, you say you just have budget flights, EHIC/GHIC gives you medical access in line with a Spanish person etc. 

Actually we acre coming to the idea that really we are covered for pretty much anything that matters. We live in our own house, flights are negligible, we have the new GHIC card and even golf insurance! I did check with my bank they definitely don't extend before or during a holiday, not for the 90 days we would be needing.
Thank you all for the advice.

The only obvious gap is medivac/repatriation so if one of you became seriously ill/injured you'd need to stay in Spain until well enough to travel on a normal commercial flight whereas travel insurance may look to bring you back to the UK by special charter with doctors/equipment etc when you are still ill but well enough to be moved. 

If this is important will depend on your family/friends situation etc but many do want to be near those when ill.

Wonder what happens if you overstay your permitted time in Spain due to being stuck in hospital for example. And would your partner be required to go back to the UK leaving you on your own?

Same as when a tourist falls under a bus in the UK and end up in hospital for months going over their visa free period.

You'd normally be applying for an emergency visa on compassionate grounds though each country will have its own rules, exact name and how likely they'll allow the accompanying spouse/friend etc... not many countries are going to kick someone out the country where medical advice is they cannot be moved.

Dr_Crypto

If you wanted to have private cover you could look at a Spanish private policy?

jackieblack

LindaJL said:

Sandtree said:

Neruda said:
Note that if you stay abroad for longer than the 45 days then the insurance from your bank will be invalid for the whole of your trip.

Certainly is if you dont inform them beforehand but Barclay's package travel insurance (from Aviva) can be extended for an additional premium but this is on a trip by trip basis. 

For the OP - what risks are you actually wanting covered? Given you are spending 6 months a year there presumably you have local property insurance, you say you just have budget flights, EHIC/GHIC gives you medical access in line with a Spanish person etc. 

Actually we acre coming to the idea that really we are covered for pretty much anything that matters. We live in our own house, flights are negligible, we have the new GHIC card and even golf insurance! I did check with my bank they definitely don't extend before or during a holiday, not for the 90 days we would be needing.
Thank you all for the advice.

Is it worth opening an account with a bank that does offer the cover you’re looking for? 🤷🏻‍♀️