Why You Need Travel Insurance - British Heart Fou...

British Heart Foundation

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Why You Need Travel Insurance

MichaelJH profile image
MichaelJHHeart Star
7 Replies

Recently a few people have hinted at making do with no or inadequate travel insurance. This link shows how a grandmother ended up with a bill in excess of £50,000 when she developed heart trouble on a cruise:-

telegraph.co.uk/news/2018/0...

The family set up a crowd funding appeal but this did not reach 30% of the bill. You have been warned!

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MichaelJH profile image
MichaelJH
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7 Replies
Calliope153 profile image
Calliope153

Some years ago I was traveling in the US with my husband when he developed an infected eye. We were covered by a private health insurance and his work insurance (he worked for a very large American company). Our total coverage was in excess of 3 million dollars. They would not even triage him until I had paid upfront... everyone very sympathetic as we were so well covered but no treatment until money guaranteed. The final bill even included a charge for each cotton wool swab used . No problem about getting the money back eventually. Be warned = even waving the paperwork may still mean upfront payment.

MichaelJH profile image
MichaelJHHeart Star in reply toCalliope153

A friend's father collapsed whilst on holiday in the US. He was diagnosed with pericarditis which needed surgery to the pericardial sac. He was in hospital for a month at a total cost of over £100,000. If uninsured they would probably have lost their home!

Blue_merchant profile image
Blue_merchant

Having SVT means your heart suddenly beats faster. This:

•usually lasts for a few minutes, but can sometimes last for several hours

•can happen several times a day or once a year – it varies

•can be triggered by tiredness, caffeine, alcohol or drugs – but often there's no obvious trigger.

If routine blood tests like Thyroid and Full blood counts are normal and echo is ok; the heart clinics regard it as an innocent arrhythmia. This does not mean you were born with a dodgy heart and should not stop you do regular exercise like jogging or swimming. If you get the symptoms frequently e.g. daily or 3-4/week some doctors prescribe beta blockers to help.

Hullensian profile image
Hullensian

Yes, your comments mirror a post I did a couple of week ago.

MichaelJH profile image
MichaelJHHeart Star in reply toHullensian

Please could you pop up a link to the post you are referring to? Thank you...

Hullensian profile image
Hullensian

Hi, Micheal, I have tried to get the Link, but can't, so I will precis what I can remember.

Three of my neighbours have died whilst abroad. Two were a married couple and were killed in a road accident (cause of death is obviously not relevant). Their daughter was flown out to Cyprus - apart from the arrangements for returning their bodies to England, their belongings had to be dealt with. The insurance company paid for her flights and accommodation and arranged and paid for repatriation of the bodies. The third neighbour was abroad with his wife. Their insurance company paid for one of their sons to fly out and stay with her whilst she waited for the insurance company to arrange for repatriation of the body. From what I can remember, it took 2 weeks for them to find space on a plane. My husband has had to claim for a 3 day stay in a French hospital, an operation in Cyprus, doctor visit in Menorca, a cancelled holiday for both of us when he was diagnosed with heart problems, and my list is nearly as bad. So, think carefully before travelling without insurance. Oh, one point, I usually book our holidays with a travel agent that only asks for £120 deposit, so, as our insurance is very expensive, I usually leave insurance until a couple of weeks before the final balance is due.

MichaelJH profile image
MichaelJHHeart Star in reply toHullensian

Thanks for clarifying...

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