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healthcare question re reciprocal European health insurance

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dorset
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healthcare question re reciprocal European health insurance

Hi, having had the worst health year of my life and now on the road to recovery we have booked 2 weeks in October in Mogan (where we have previously had lovely holidays!) However my annual travel policy will not cover me for my pre-existing condition. This isn't a problem for cancellation (cordial Morgan will accept cancellation, we have got cheap flights anyway!) and "New conditions" or things like luggage will be covered but in the unlikely event I have a flare up, where is the nearest state hospital? I understand that state healthcare is free with the ehic but I wouldn't know where to go! (And yes I know repatriation would not be covered but we are desperate for a holiday and my husband says he will just abandon me there!!!) Any advice would be appreciated. We can't wait and I need the sun and relaxation. Thanks alll

Maesycwmmer, United...
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1. Re: healthcare question re reciprocal European health insurance

There have been difficulties with EHIC in Spain.Don't travel without insurance! Shop around for a 2 week cover

with another company, there are bound to be some who will cover your pre-existing condition.

moneysavingexpert.com/news/travel/2013/03/wa…

dorset
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2. Re: healthcare question re reciprocal European health insurance

Sadly I can't get cover for the condition as treatment is on going -they will cover everything else so I do have insurance but not for this condition! I have tried.(it doesn't help that I have diabetes too!!) I saw there had been problems with people being directed to private hospitals and getting landed with big bills. I do speak some Spanish so hopefully will be able to work out where to go! But thank you

Nairn, Scotland
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3. Re: healthcare question re reciprocal European health insurance

Not sure if this will be any help but there is mention of the various state hospitals in this thread.

tripadvisor.co.uk/ShowTopic-g187472-i1192-k6…

I am sure you will have a lovely holiday.

Liz

Dundee, United...
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4. Re: healthcare question re reciprocal European health insurance

Clinica Saluod (?sp) in Playa Mogan is the local Spanish NHS facility that takes EHIc a bit like GP/Minor Injuries unit does ecgs, bloods xrays etc they would review and treat or refer to a more specialist centre if needed. Obviously keep a list of your meds and if you know someone who can, maybe an outline of your condition and treatment in Spanish would be handy mainly enjoy the sun and relaxation

Torremolinos, Spain
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for Torremolinos
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5. Re: healthcare question re reciprocal European health insurance

I think the main hospital is in Maspalomas.

The problems referred to above are not serious and are the health service trying to get holidaymakers who they know will have insurance (or should have) to go private. DON'T sign any papers on admittance to the hospital unless you are 100% sure it is not a form asking to be admitted to the private wing. After that you will find the Spanish health system better than the NHS according to the WHO and all the friends I know you have used both

Scotland
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6. Re: healthcare question re reciprocal European health insurance

Hi - Gosh, you're not going to like this but seriously don't go overseas without travel insurance - it's not worth it. An ex colleague is currently stuck in Thailand with a £20k hospital bill and although they've let him out of hospital they've taken his passport from him so he can't get home. He's been fine with his illness for the past 5 years but seems to have picked up a bug which set his condition off again. Have you tried columbus - they cover pre-existing medical conditions? Last year they gave me travel insurance whilst I was receiving treatment for a fistula caused by my Crohn's disease - and they've just re-insured me today for being a smoker, having Crohn's taking tablets and getting fortnightly injections for the condition and i have to go to the hospital every 3 months. They wouldn't give me annual cover but at £73 for a one off trip of 7 days more than worth it. Seriously it's a big thing to risk. I know what you mean about needing a holiday - I never managed one for 3 years and was desperate to go but be prepared to sell your house if need be - particularly when you mention flare-ups. I might get up tomorrow morning and my Crohn's has flared because sometimes it can be as quick as that. If no one will insure you then maybe you should think about why. Sorry, really not what you wanted but a bit of sun isn't worth the risk. Hope you find someone to insure you though.

Nairn, Scotland
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7. Re: healthcare question re reciprocal European health insurance

I hate to be a doom-monger but I have to support eva46's advice. Local lady age 45 died last weekend in Tenerife of a heart attack. No insurance. Family stranded there at the moment. Add the cost of insurance to the overall holiday price and divide by 2 and it may not feel so expensive.

It may not be your condition that causes the problems it could be the unexpected. Sorry for being so negative. I am sure you will go and have an absolute ball.

Liz

dorset
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8. Re: healthcare question re reciprocal European health insurance

Hopefully I will get covered for my pre existing condition when the treatment ends in September, in the meantime my annual cover will cover me for "other" things. As they have already paid out for a Caribbean cruise we had to cancel in march due to the condition I don't mind paying them a bit extra if they will cover it!! I will check out Columbus though - my doctor says I am not currently fit to travel so will wait until he confirms I am (hopefully next month!) then I will phone them too to see what they quote.

dorset
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9. Re: healthcare question re reciprocal European health insurance

Thank you eva46, whilst Columbus won't cover me, the website took me to "goodtotravel" which will cover me for everything but cancellation (fair enough!) for only £50. I have saved the quote and will examine the cover!

London, England
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10. Re: healthcare question re reciprocal European health insurance

It is absolute madness to travel without proper insurance cover, even more so with pre conditions. What if something unexpected happened and you had to be flown home in an air ambulance. Have you any idea how many thousands that would cost?

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