- Time of past OR future Camino
- VdlP(2012) Madrid(2014)Frances(2015) VdlP(2016)
VdlP(2017)Madrid/Sanabres/Frances reverse(2018)
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Any others had positive experiences with this type of free insurance?
Usually "too good to be true" is just that.On all my caminos except this year, I have applied for private health insurance, at a cost of several hundred dollars, and have never had to use it. This year was the exception. I decided to try the complimentary health insurance offered in association with my bank/ MasterCard. I've always been reluctant to do this as it is free, and I didn't want to find out the hard way that "free" might turn out to be too good to be true.
Guess what? - this year, whilst visiting a relative in Portugal a few days before the start of my camino, I was hospitalised with a rather scary intestinal problem. The bill, (paid) came to nearly 1400E. On my return to Aus, I went through the very long-winded process of making a claim, and almost gave up on it, but yesterday I was re-imbursed, less an initial excess which I knew I would have to cover. So I'm very happy with the outcome.
Any others had positive experiences with this type of free insurance?
If I was unwell I wouldn't be able to do all the running around that you had to do for a simple claim.
To be fair to the insurance company, when the incident happened all I had to do was inform them immediately. The "running around" was all after I returned home.Process required more blind trust in a vendor than I would prefer with a potentially very important product like this.
On all my caminos except this year, I have applied for private health insurance, at a cost of several hundred dollars, and have never had to use it. This year was the exception. I decided to try the complimentary health insurance offered in association with my bank/ MasterCard. I've always been reluctant to do this as it is free, and I didn't want to find out the hard way that "free" might turn out to be too good to be true.
Guess what? - this year, whilst visiting a relative in Portugal a few days before the start of my camino, I was hospitalised with a rather scary intestinal problem. The bill, (paid) came to nearly 1400E. On my return to Aus, I went through the very long-winded process of making a claim, and almost gave up on it, but yesterday I was re-imbursed, less an initial excess which I knew I would have to cover. So I'm very happy with the outcome.
Any others had positive experiences with this type of free insurance?
Yes. I had to fly back early to New Zealand as my husband had had a stroke. So needed to change flight and buy extra train ticket. They covered it minus excess on provision of a medical certificate.On all my caminos except this year, I have applied for private health insurance, at a cost of several hundred dollars, and have never had to use it. This year was the exception. I decided to try the complimentary health insurance offered in association with my bank/ MasterCard. I've always been reluctant to do this as it is free, and I didn't want to find out the hard way that "free" might turn out to be too good to be true.
Guess what? - this year, whilst visiting a relative in Portugal a few days before the start of my camino, I was hospitalised with a rather scary intestinal problem. The bill, (paid) came to nearly 1400E. On my return to Aus, I went through the very long-winded process of making a claim, and almost gave up on it, but yesterday I was re-imbursed, less an initial excess which I knew I would have to cover. So I'm very happy with the outcome.
Any others had positive experiences with this type of free insurance?
Agreed, Scott; I do recognise that they have to protect against spurious claims.They always have a product disclosure document and remember they have their reputation to maintain
You should receive the same health care plan as those in Spain would receive. If it's expected that a Spaniard would pay for something like emergency dental then you'd pay the same. You can get it without the card but it really makes things easier for everyone to have it on you.Does the EU Health Insurance card apply in Spain (I'm Irish). I expect it does.
What about ordinary Irish Health insurances?. Do they transfer to Spain? Must ask. Will pass on any info I get from Irish Life Health. Perhaps others could check with Laya, Aviva and VHI.
Good to hear the Mastercard cover actually works, even if you have to claim at home after-the-fact. I've never had to use it. thank God.
As Sir AJP (Tony) O'Reilly used to say "information is friendly".
Yes I have. I had some issues after smoke inhalation in Vietnam and my credit card insurance paid up. It is all I ever use.On all my caminos except this year, I have applied for private health insurance, at a cost of several hundred dollars, and have never had to use it. This year was the exception. I decided to try the complimentary health insurance offered in association with my bank/ MasterCard. I've always been reluctant to do this as it is free, and I didn't want to find out the hard way that "free" might turn out to be too good to be true.
Guess what? - this year, whilst visiting a relative in Portugal a few days before the start of my camino, I was hospitalised with a rather scary intestinal problem. The bill, (paid) came to nearly 1400E. On my return to Aus, I went through the very long-winded process of making a claim, and almost gave up on it, but yesterday I was re-imbursed, less an initial excess which I knew I would have to cover. So I'm very happy with the outcome.
Any others had positive experiences with this type of free insurance?
This is the case for all travel insurance. We made a medivac claim in China, and the company wouldn’t confirm cover until they could call his gp on Monday morning. It was a long couple of days, and I needed the cash to get my partner admitted , and started making arrangement ps if I had to transfer a large amount for the medivac. Even though we’d declared pre existing conditions, they called and put the senior dr on the ward under pressure to define the diagnosis, so they could decline if they could find a non disclosed condition. They couldn’t and they paid.To be fair to the insurance company, when the incident happened all I had to do was inform them immediately. The "running around" was all after I returned home.
One piece of advice I would pass on, though. Be very specific and comprehensive when stating "pre-existing conditions". I had the impression that much of the claim process was to establish if I had been dishonest or remiss anywhere in the original application. Fortunately, I measured up, but I needed quite a bit of back-up from my GP.
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