Holiday insurance claims - experiences
Discussion
Was wondering if anyone had any experience of accidents in their hotel and experiences of insurance payouts?
Missus has fell through the plastic pool guttering today, only stood on it. She’s probably 9 and half stone so not an effer! Went with a bit of a bang and leg has swelled up a fair amount, she is in pain when you touch the area too.
Hotel doctor advised we go to hospital tomorrow morning for an x-Ray. Took plenty of photos and reported to reception at time of event.
Our question is, is it worth it? If she’s in horrendous pain tomorrow then fair enough but just wondered everyone else’s experiences of similar?
Missus has fell through the plastic pool guttering today, only stood on it. She’s probably 9 and half stone so not an effer! Went with a bit of a bang and leg has swelled up a fair amount, she is in pain when you touch the area too.
Hotel doctor advised we go to hospital tomorrow morning for an x-Ray. Took plenty of photos and reported to reception at time of event.
Our question is, is it worth it? If she’s in horrendous pain tomorrow then fair enough but just wondered everyone else’s experiences of similar?
A GHIC card is available
Maybe a temporary one?
https://www.nhsbsa.nhs.uk/get-healthcare-cover-tra...
Check with your Insurer as to whether you need to notify them first before any treatment. Some have a helpline to call.
Maybe a temporary one?
https://www.nhsbsa.nhs.uk/get-healthcare-cover-tra...
Check with your Insurer as to whether you need to notify them first before any treatment. Some have a helpline to call.
We used Holiday Safe for a trip to Turkey a few years ago, both kids got ear infections resulting in my wife and daughter needing to stay another week. They were brilliant, organised everything and covered all costs.
The bills were pretty small though in comparison to what they could have been for a hospital stay and surgery.
The bills were pretty small though in comparison to what they could have been for a hospital stay and surgery.
Abc321 said:
Thanks for contributions. Woke up this morning and she’s not too bad, albeit a little bruised so not gonna pursue further.
Will look into the GHIC card though so that’s helpful!
GHIC and EHIC are only useful if it is not a private facility so no substitute for insurance. Many places (like ski resorts) there is no choice. Had three claims for medical stuff. All paid in full and for the smaller stuff insurers don’t require you to notify them.Will look into the GHIC card though so that’s helpful!
Youngest child managed to get splinters in their foot whilst in Italy a few Christmases ago. We couldn't get them out. Phoned the travel insurance, they gave us the details of a hospital to take them too. Turned out they gave us the wrong details for the hospital. Anyway with the help of google translate I managed to get him to an A&E hospital, where they spoke perfect English. 10 minutes later the splinters had been removed and his feet were dyed with iodine. total cost €0 - the hospital refused to take any payment for fixing my child.
Griffith4ever said:
You can get an emergency GHIC online on a govt web site. I did it on my phone in the back of an ambulance in Austria. Your insurance will insist you use it as your firts point of call.
Pleased she is looking up!!I’ve had a few claims on my family travel insurance over the years and not once has any insurer ever mentioned G(E)HIC at all.
The constant intimations from PHers that it’s either a genuine alternative to insurance or “first port of call” are just inaccurate.
What country are you in at the moment?
The wife t
tted her ankle at a water park in Portugal a couple of years ago. We went to the local quack, got referred to a clinic for an X-ray, then went back to the quack who said it wasn’t broken and prescribed pain killers. All paid for and come to less than €50. The insurance excess was €50!
The wife t
tted her ankle at a water park in Portugal a couple of years ago. We went to the local quack, got referred to a clinic for an X-ray, then went back to the quack who said it wasn’t broken and prescribed pain killers. All paid for and come to less than €50. The insurance excess was €50!craig1912 said:
Griffith4ever said:
. Your insurance will insist you use it as your firts point of call.
They generally don’t, as you can’t use a GHIC in a private facility which is generally your only choice.My ski insurance was very clear that you should 1st try and use your GHIC cover.
Alorotom said:
Griffith4ever said:
You can get an emergency GHIC online on a govt web site. I did it on my phone in the back of an ambulance in Austria. Your insurance will insist you use it as your firts point of call.
Pleased she is looking up!!I’ve had a few claims on my family travel insurance over the years and not once has any insurer ever mentioned G(E)HIC at all.
The constant intimations from PHers that it’s either a genuine alternative to insurance or “first port of call” are just inaccurate.
No one (not me, for sure) is saying you should "rely" on GHIC, but, it gives you emergency cover in all of Europe, which is not to be sniffed at.
"What your card covers
You can use your card to get state healthcare that cannot reasonably wait until you come back to the UK (sometimes called "medically necessary healthcare"). This includes things like:
emergency treatment and visits to A&E
treatment or routine medical care for long-term or pre-existing medical conditions
routine maternity care, as long as you're not going abroad to give birth"
Claimed recently when our youngest developed chicken pox while away and it delayed our return by around 4 days IIRC.
Not too bad on the whole. You do have to wait a while for the claim to be settled but we put all the sensible expenses on there and they didn't quibble it.
We ended up staying in our hotel but the hotel they initially planned to move us to was actually nicer than the hotel we were in from an adults perspective.
As an aside we spoke to quite a few different medical professionals who all told us completely different things around when it's safe to fly with CP. Staggers me that the medical profession can't agree when an extremely common virus is and isn't contagious. Think the info we were given differed by a good 10 days.
Not too bad on the whole. You do have to wait a while for the claim to be settled but we put all the sensible expenses on there and they didn't quibble it.
We ended up staying in our hotel but the hotel they initially planned to move us to was actually nicer than the hotel we were in from an adults perspective.
As an aside we spoke to quite a few different medical professionals who all told us completely different things around when it's safe to fly with CP. Staggers me that the medical profession can't agree when an extremely common virus is and isn't contagious. Think the info we were given differed by a good 10 days.
Griffith4ever said:
Except I used my GHIC in a private hospital in Austria. Didn't pay a penny, nor claim any insurance.
My ski insurance was very clear that you should 1st try and use your GHIC cover.
Sorry but you are wrong, a GHIC card does not cover a private hospital, it only covers treatment in a state healthcare facility with the same level of cover as a local.My ski insurance was very clear that you should 1st try and use your GHIC cover.
You can “try” and use your GHIC card but it is of no use whatsoever in a private facility and as I said before you don’t often have the choice. I claimed for circa £800 for a skiing accident, never offered my GHIC and my insurer never asked if I had and I didn’t notify them in advance. All paid in full.
https://www.moneysupermarket.com/travel-insurance/...
Edited by craig1912 on Monday 25th August 21:44
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