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Travel insurance going to Spain

Posted: Thu Jul 30, 2020 6:25pm
17 replies642 views6 members subscribed
chris whitley

Posts: 93

23 helpful points

Location: Lo Pagan

Joined: 3 Oct 2018

Does anyone know of an insurance company that will offer cover to Spain now it’s on the foreign office don’t travel to list?

RichT

Posted: Thu Jul 30, 2020 7:23pm

RichT

Helpful member

Posts: 133

101 helpful points

Location: Lorca

Joined: 13 Sep 2019

Posted: Thu Jul 30, 2020 7:23pm

It's very unlikely that any insurers will provide cover, as it's a general exclusion on all policies (although some business policies may have special clauses that allow for this).

I'm normally quite risk-averse and would never travel without insurance, however, thinking about this situation and what travel insurance covers:

Cancellation - if my flight is cancelled, the airline will refund me (eventually).

Lost baggage - I don't carry much of value.

Medical - this to me has always been the chief reason for travel insurance. However, the EHIC card is still valid until 31st December 2020, which provides cover for any urgent treatment in Spain. If (God forbid) anything really serious happened, it doesn't cover repatriation, which you would assume is a low risk of occurring, but very high cost if it did; and I have also heard of examples where people have used a private doctor or ambulance by mistake, which isn't covered by the EHIC.

If you were thinking of driving to Spain, it would also be worth checking your car insurance and breakdown cover as they may have similar exclusions.

I think the governement will change their advice, just not sure how soon...


chris whitley

Posted: Thu Jul 30, 2020 7:37pm

chris whitley

Original Poster

Posts: 93

23 helpful points

Location: Lo Pagan

Joined: 3 Oct 2018

Posted: Thu Jul 30, 2020 7:37pm

RichT wrote on Thu Jul 30, 2020 7:23pm:

It's very unlikely that any insurers will provide cover, as it's a general exclusion on all policies (although some business policies may have special clauses that allow for this).

I'm normally quite risk-averse and would never travel without insurance, however, thinking about this situation and what travel insurance covers:...

...

Cancellation - if my flight is cancelled, the airline will refund me (eventually).

Lost baggage - I don't carry much of value.

Medical - this to me has always been the chief reason for travel insurance. However, the EHIC card is still valid until 31st December 2020, which provides cover for any urgent treatment in Spain. If (God forbid) anything really serious happened, it doesn't cover repatriation, which you would assume is a low risk of occurring, but very high cost if it did; and I have also heard of examples where people have used a private doctor or ambulance by mistake, which isn't covered by the EHIC.

If you were thinking of driving to Spain, it would also be worth checking your car insurance and breakdown cover as they may have similar exclusions.

I think the governement will change their advice, just not sure how soon...


Thank you Rich this is really helpful what you have said.

Barbara50

Posted: Thu Jul 30, 2020 8:46pm

Posts: 61

30 helpful points

Location: Mula

Joined: 22 Dec 2019

Posted: Thu Jul 30, 2020 8:46pm

chris whitley wrote on Thu Jul 30, 2020 6:25pm:

Does anyone know of an insurance company that will offer cover to Spain now it’s on the foreign office don’t travel to list?

Hi.  Battleface Insurance will cover for Covid and all the usual stuff.  I got a quote yesterday and it's not cheap, but worth paying so you can visit your 2nd home/have a holiday x

chris whitley

Posted: Thu Jul 30, 2020 9:02pm

chris whitley

Original Poster

Posts: 93

23 helpful points

Location: Lo Pagan

Joined: 3 Oct 2018

Posted: Thu Jul 30, 2020 9:02pm

Barbara50 wrote on Thu Jul 30, 2020 8:46pm:

Hi.  Battleface Insurance will cover for Covid and all the usual stuff.  I got a quote yesterday and it's not cheap, but worth paying so you can visit your 2nd home/have a holiday x

Thank you Barbara. I have in fact contacted Battlefield and you are right about them re Covid. The problem is they wont cover me or my wife for covid because we are aged over 59. But they do cover you even if foreign office say not travel etc . 

Barbara50

Posted: Thu Jul 30, 2020 9:09pm

Posts: 61

30 helpful points

Location: Mula

Joined: 22 Dec 2019

Posted: Thu Jul 30, 2020 9:09pm

chris whitley wrote on Thu Jul 30, 2020 9:02pm:

Thank you Barbara. I have in fact contacted Battlefield and you are right about them re Covid. The problem is they wont cover me or my wife for covid because we are aged over 59. But they do cover you even if foreign office say not travel etc . 

Ah, didn't want to ask your age!! As an earlier response said, your EHIC card will cover all your medical (including COVID) as long as you use Public and not Private medical services. Good luck 🤞 

Barbara50

Posted: Thu Jul 30, 2020 9:10pm

Posts: 61

30 helpful points

Location: Mula

Joined: 22 Dec 2019

Posted: Thu Jul 30, 2020 9:10pm

Barbara50 wrote on Thu Jul 30, 2020 9:09pm:

Ah, didn't want to ask your age!! As an earlier response said, your EHIC card will cover all your medical (including COVID) as long as you use Public and not Private medical services. Good luck 🤞 

https://ec.europa.eu/social/main.jsp?catId=1021&langId=en&intPageId=1754

chris whitley

Posted: Thu Jul 30, 2020 9:22pm

chris whitley

Original Poster

Posts: 93

23 helpful points

Location: Lo Pagan

Joined: 3 Oct 2018

Posted: Thu Jul 30, 2020 9:22pm

Thanks again, really helpful what you have provided.

DonnaDiana

Posted: Fri Jul 31, 2020 8:08am

Posts: 89

44 helpful points

Location: Águilas

Joined: 18 Mar 2018

Posted: Fri Jul 31, 2020 8:08am

This was a very helpful thread from start to finish.  Someone asking a question and for advice and then receiving helpful and useful information without any sarkie remarks or comments.  Makes a nice change.

Ryan

Posted: Fri Jul 31, 2020 12:40pm

Posts: 56

22 helpful points

Location: Lo Pagan

Joined: 1 Jun 2016

Posted: Fri Jul 31, 2020 12:40pm

Hi

Yes I have just took out insurance with Battleface for my wife and I + 2 children and it has cost £151 for a 2 week period.

But yes as others have said it excludes those over 59 unfortunately.

Thanks

Ryan

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