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Travel Insurance for an Irishman Help!

Daniel Crowe

Member
Past OR future Camino
Camino Frances 2018

VDLP (2020)
Hi everyone,

I've been writing in a lot lately, but everyone has been brilliant so far in what I've been asking!

This time around I'm looking for travel insurance. I'm flying from Ireland to Biarritz in September to do the Camino Del Norte. Can anyone advise specifically on what would be needed to include in the travel insurance? Or better yet, can anyone give a name of a place to look for good prices and coverage? Is single travel okay? Or should it be the "hiking package"? Just need a little clarity.

Thanks again!
 
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peregrina2000

Moderator
Staff member
Hi everyone,

I've been writing in a lot lately, but everyone has been brilliant so far in what I've been asking!

This time around I'm looking for travel insurance. I'm flying from Ireland to Biarritz in September to do the Camino Del Norte. Can anyone advise specifically on what would be needed to include in the travel insurance? Or better yet, can anyone give a name of a place to look for good prices and coverage? Is single travel okay? Or should it be the "hiking package"? Just need a little clarity.

Thanks again!

Hi, Daniel,
There are several threads, but the ones I can think of deal with insurance questions for those living in the US or in Canada. This is a very country-specific issue. If you are from Ireland, you should change the title of the tread to indicate that (Or I can do it for you if you can’t), because my advice about travel insurance (I live in the US) would be irrelevant for you in Ireland.
 

Katia Taam

Active Member
Past OR future Camino
Every year, since 2000. Most times portuguese camino also twice the french camiño. Two time Le Puy .
I´ve been traveling to Europe all my life and I always use Allianz. They are all over Europe and they are extremely efficient. I needed help 2019 when I had a bad knee injurie walking the Portuguese way and they help me finding a doctor near were I was and also a magnetic resonance and, best of all, did not have to even know how much it all cost. They called me every day to see how I was , very personal and nice.
 

Kathar1na

Member
Past OR future Camino
To Santiago and back (roads & paths; Tours; Francés; sea; roads & paths)
I agree with @peregrina2000 who suggested to change the thread title to make it clear that this is a question from a traveller from Ireland.

I am not familiar with the travel insurance market in Ireland, I guess it is similar to the one in the UK and what I mainly know is that the offers on the UK's market are quite different from the travel insurance markets in some countries in continental Europe where I am vaguely familiar with suitable offers.

My gut answer to @Daniel Crowe would be that he doesn't need a "hiking package" and that a "single travel" is enough but this is better answered by people from Ireland and, possibly, from the UK.
 

RRat

Active Member
Past OR future Camino
Planning 2017
Hi everyone,

I've been writing in a lot lately, but everyone has been brilliant so far in what I've been asking!

This time around I'm looking for travel insurance. I'm flying from Ireland to Biarritz in September to do the Camino Del Norte. Can anyone advise specifically on what would be needed to include in the travel insurance? Or better yet, can anyone give a name of a place to look for good prices and coverage? Is single travel okay? Or should it be the "hiking package"? Just need a little clarity.

Thanks again!
I'm puzzled why anyone from Europe would need "Travel Insurance". The air fare is minimal, you have socialized health care that's recognized in Spain, and traveling with inexpensive luggage. I'm from the US. My fare is around $1000 and my healthcare policy would likely be troublesome in Europe. The travel insurance that covers healthcare that I can purchase will reimburse me after I pay out of pocket. Just hope I have a large enough credit limit to cover the immediate out of pocket cost. And emergency transportation home is at the mercy of the insurance company discretion.
 
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Kathar1na

Member
Past OR future Camino
To Santiago and back (roads & paths; Tours; Francés; sea; roads & paths)
I'm puzzled why anyone from Europe would need "Travel Insurance".
Ah, the mysterious ways of foreigners ... ☺️. I won't answer the question as I don't want to derail the thread but in order to get things going, I googled "single trip travel insurance" site:.ie, and since Allianz had been recommended already, I went for booking.allianz-assistance.ie and asked for a quote for a single traveller from Ireland, 55 years old, for three weeks in France and Spain. I didn't even look at the benefits included but you can find them on their website. Here are the results. Any advice for @Daniel Crowe?

Allianz Ireland.jpg
 

C clearly

Moderator
Staff member
Past OR future Camino
Most years since 2012. Hoping now for 2022.
I'm puzzled why anyone from Europe would need "Travel Insurance"
I agree that the term "travel insurance" is too vague, but "need" is equally vague. People buy insurance to get services that are not included in their basic system, or to get the help and convenience of an insurance company handling the details in a foreign country.

Here is a cautionary tale of an experience with injuries and insurance.
 

RRat

Active Member
Past OR future Camino
Planning 2017
I´ve been traveling to Europe all my life and I always use Allianz. They are all over Europe and they are extremely efficient. I needed help 2019 when I had a bad knee injurie walking the Portuguese way and they help me finding a doctor near were I was and also a magnetic resonance and, best of all, did not have to even know how much it all cost. They called me every day to see how I was , very personal and nice.
Assuming you're not from Europe, did you just present your Allianz insurance card and all your financial responsibilities went away or at least for the most part? In the US if I show up to an emergency room I just present my insurance card and they will bill me later for the balance if there is any. They assume they are going to get paid at least 80%.
 
Hi everyone,

I've been writing in a lot lately, but everyone has been brilliant so far in what I've been asking!

This time around I'm looking for travel insurance. I'm flying from Ireland to Biarritz in September to do the Camino Del Norte. Can anyone advise specifically on what would be needed to include in the travel insurance? Or better yet, can anyone give a name of a place to look for good prices and coverage? Is single travel okay? Or should it be the "hiking package"? Just need a little clarity.

Thanks again!
Also looking--have been alerted to specifically look for ones that do not provide evacuation insurance/displacement for pandemics/country shutdowns/COVID-19. I have used Tin-Leg in the past to compare what is available and have been very happy---but never had to use any. the information includes ratings which I believe are helpful.
 

Kathar1na

Member
Past OR future Camino
To Santiago and back (roads & paths; Tours; Francés; sea; roads & paths)
I have used Tin-Leg in the past to compare what is available and have been very happy---but never had to use any. the information includes ratings which I believe are helpful.
I put my fictional data - 55 years old, three weeks in Spain, August/September, an Irish national and resident of Ireland - into the online form on the Tin-Leg website and the result was: No Tin Leg Policies Available. We apologize, you are not eligible for any Tin Leg policies.

Travel insurance policies are often tied to the residence of the insured person. Even when you get an insurance policy from a global insurer like Allianz, you often need to take the insurance package offered by them in your country of residence, and they don't always offer exactly the same package in every country where they operate.
 
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donalomahony

Active Member
Past OR future Camino
"Camino from 2013 to 2019" paused for now...
Hi everyone,

I've been writing in a lot lately, but everyone has been brilliant so far in what I've been asking!

This time around I'm looking for travel insurance. I'm flying from Ireland to Biarritz in September to do the Camino Del Norte. Can anyone advise specifically on what would be needed to include in the travel insurance? Or better yet, can anyone give a name of a place to look for good prices and coverage? Is single travel okay? Or should it be the "hiking package"? Just need a little clarity.

Thanks again!

Daniel, check how long your policy covers you for being "out of the country" in one visit.

Mine was 30 days. I called insurance company and they made a note at no extra charge. I needed a policy for 37 days.
 

mmmmartin

Active Member
Past OR future Camino
Santander-SdC bici '14
Plata bici '17
1/2 Plata bici '18
Frances a pie '18
(Porto a pie '19)
Assuming you're not from Europe, did you just present your Allianz insurance card and all your financial responsibilities went away or at least for the most part?
All citizens of EU countries have equal access to the government healthcare system as the locals. The OP might be lucky enough to have an irish passport so he's an EU citizen, any travel insurance is likely to tell him to get healthcare from the Spanish system, it'll be free. (I post this as a non EU citizen and without a trace of jealousy....😪).
I'm flying out next week and pondering whether it's worth having travel insurance at all.
 

Kathar1na

Member
Past OR future Camino
To Santiago and back (roads & paths; Tours; Francés; sea; roads & paths)
Since I don't live in the UK or in Ireland, I cannot say for sure but my impression is that the cheap and ready made "single trip travel insurance" that you can easily buy there include more than just sickness insurance.

Also, EU-Europeans who get or have travel insurance for trips within the EU are not worried about medical expenses that occur when you have a terrible blister or your knees or ankles hurt. You insure against the rare big events where you need to stay in hospital in Spain for many days if not weeks or months and/or would like to be transported home. The cautionary tale that happened in 2017 and is mentioned in an earlier post is such an example.
 
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trecile

Camino Addict
Past OR future Camino
Francés (2016 & 2017), Norte (2018), Francés-Salvador-Norte (2019), Portuguese (2019)
Assuming you're not from Europe, did you just present your Allianz insurance card and all your financial responsibilities went away or at least for the most part? In the US if I show up to an emergency room I just present my insurance card and they will bill me later for the balance if there is any. They assume they are going to get paid at least 80%.
That's not generally how it works with travel insurance in foreign countries. Firstly, I've never had an card issued to me from my travel insurer.
Twice, I've used medical services in Spain. The first time was at a public hospital, and they took my passport information, home and email addresses. They didn't have the ability to collect payment from me at time of service. Several months later they sent me the bill. I paid the bill in full, then filed with my regular health insurance company for reimbursement - they reimbursed me the majority of the bill.

The second time I went to a private hospital. They were able to take a credit card payment on the spot, and gave me the paperwork I needed to file a claim with my insurance. First I submitted to my regular health insurance, who paid 80%. Then I filed a claim for the balance with my travel insurance, who reimbursed me for the rest of the bill.
 

Daniel Crowe

Member
Past OR future Camino
Camino Frances 2018

VDLP (2020)
Daniel, check how long your policy covers you for being "out of the country" in one visit.

Mine was 30 days. I called insurance company and they made a note at no extra charge. I needed a policy for 37 days.
I will do Donal, thanks for that. Judging by your name you're an Irishman??
 
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SioCamino

Active Member
Past OR future Camino
CF 2015, CPo 2016, VDLP[Sev-Các] 2017, VDLP[Các-Sal] 2018
Hi @Daniel Crowe
I am resident in Ireland and generally would always travel with travel insurance arranged to cover my trip. I find its cheaper to get an annual policy - at least in the before times when i was generally travelling more than once a year! I shopped around a bit but generally didn't have any issues - I've used getcover in recent years. (pretty sure i had allainz in the past too)
Walking the camino is generally seen as a "normal" activity i.e. part of standard cover.

Things to watch out for :
Trip length for any single trip
Insurance must be taken out before the 1st trip starts
If you have private health insurance you may be eligible for a discount or be able to get cheaper cover directly from VHI/Irish life health etc etc (this very much depends on the level of cover you have)
Trip cancellation - watch out for this, its usually a € add on, probably not that important for a short haul trip like this (but for example i had flights booked for Colombia April 2020 and their cancellation was not covered by my insurance)
If buying online, make sure you declare any preexisting conditions - sometimes they need to talk to you about this.

Big caveat just now - i haven't looked for travel insurance post covid so can't advise on that.

P. S. Make sure you have your EHIC with you and within date. Once you have one it's very straight forward to renew. You hopefully won't need this or insurance but as they say, better to be looking at it than for it!!!

P. P. S.
On the general discussion on whether someone needs travel insurance when covered by the EHIC, yes the EHIC will cover your emergency treatment - but it won't cover repatriation. I broke my leg a few years ago in Galicia and my emergency hospital treatment was covered by the EHIC. My travel insurance covered the cost of extra hotel nights, taxis and the 4 new flight bookings needed - 3 seats for me with my leg cast and 1 for my friend who stayed on with me in Spain. So, it was worth taking out the insurance!

Hope this is of help
 

Abigail Kelly

Active Member
Past OR future Camino
Santiago/Fis/Muxia 2017
A Coruna/Santiago 2017
Portuguese Coastal/Variante Espiritual 2019

Hi Daniel, copy the link above and apply online. This should cover you for any health issues :)
 

Daniel Crowe

Member
Past OR future Camino
Camino Frances 2018

VDLP (2020)
Hi @Daniel Crowe
I am resident in Ireland and generally would always travel with travel insurance arranged to cover my trip. I find its cheaper to get an annual policy - at least in the before times when i was generally travelling more than once a year! I shopped around a bit but generally didn't have any issues - I've used getcover in recent years. (pretty sure i had allainz in the past too)
Walking the camino is generally seen as a "normal" activity i.e. part of standard cover.

Things to watch out for :
Trip length for any single trip
Insurance must be taken out before the 1st trip starts
If you have private health insurance you may be eligible for a discount or be able to get cheaper cover directly from VHI/Irish life health etc etc (this very much depends on the level of cover you have)
Trip cancellation - watch out for this, its usually a € add on, probably not that important for a short haul trip like this (but for example i had flights booked for Colombia April 2020 and their cancellation was not covered by my insurance)
If buying online, make sure you declare any preexisting conditions - sometimes they need to talk to you about this.

Big caveat just now - i haven't looked for travel insurance post covid so can't advise on that.

P. S. Make sure you have your EHIC with you and within date. Once you have one it's very straight forward to renew. You hopefully won't need this or insurance but as they say, better to be looking at it than for it!!!

P. P. S.
On the general discussion on whether someone needs travel insurance when covered by the EHIC, yes the EHIC will cover your emergency treatment - but it won't cover repatriation. I broke my leg a few years ago in Galicia and my emergency hospital treatment was covered by the EHIC. My travel insurance covered the cost of extra hotel nights, taxis and the 4 new flight bookings needed - 3 seats for me with my leg cast and 1 for my friend who stayed on with me in Spain. So, it was worth taking out the insurance!

Hope this is of help
Very thorough reply Sio, thanks for that!
What I went with in the end was a single trip policy that covered me for 60 days with Multitrip.com. I called them up and spoke to them and they covered every worry I have basically for €50. A "grade 2" policy - which is probably sales speak, but she got me! :)

Her advice to me was that the policy basically covers everything that you'd want it for on the trip, including any covid related issues that I have up to and including when I leave. If I travel to Spain while it's in a green or amber zone then if there's any covid issues they cover me. If I go when it's a red zone then the cover for injury, theft etc is still there, but there's NO covid cover at all.

I have the EHIC thankfully, it's in date until next year, so I think I should be okay! Hopefully now I don't need them at all! Thanks for the reply. :)
 

ariegley

New Member
Past OR future Camino
2010
Thanks for the tips! I didn't even know I had to choose my insurance company so carefully. Since this covid situation emerged in the world, it has become increasingly difficult to travel and prepare the necessary documents. I wasn't very good at it, so now I can't do it without help at all. Every day something changes, and every day I have to be prepared for everything to appear. I don't know how many articles I've read about insurance and how many videos I've watched, like
. I hope my trip will go well.
 
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wabana

Member
Past OR future Camino
2021
I bought Allianz as well it’s more expensive than the cheapest but it’s a first class company where you can reach a real human being quickly.

I mainly bought it in case I have a positive test trying to return to the US it’ll cover all my hotel bills for 10 or 14 days up to $6000 It also covers any emergency room visits or hospital stays to a large dollar amount. In the event I need an ambulance or medical evacuation all of that is covered as well. Those are the main reasons but there are additional coverages that I find valuable to me it’s a no-brainer
 

Doughnut NZ

From Aotearoa New Zealand
Past OR future Camino
2022
I bought Allianz as well it’s more expensive than the cheapest but it’s a first class company where you can reach a real human being quickly.

I mainly bought it in case I have a positive test trying to return to the US it’ll cover all my hotel bills for 10 or 14 days up to $6000 It also covers any emergency room visits or hospital stays to a large dollar amount. In the event I need an ambulance or medical evacuation all of that is covered as well. Those are the main reasons but there are additional coverages that I find valuable to me it’s a no-brainer
This is not my experience of this company. I would never use or recommend them.
 

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