 Poster: A snowHead
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I should be cheap after radical hysterectomy. No uterine or ovarian cancer likely. Or miscarriage 
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@munich_irish, I guess the issue would be a non-ski related hospital stay on a trip length exceeding the 31 days, for example an appendectomy, or a fall on an icy pavement and a broken femur, which might need a change of flight, ambulances or other costs. I don't think AAC would cover for that eventuality as it is for ski-related stuff.
Any illness likely to increase the risks of a claim or hospital admission would increase the premium-cancer, heart disease, lung conditions, stroke, high blood pressure etc. Restless legs are unlikely to lead to one even if severe.
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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@Hells Bells, Cant answer that one but I believe the insurance covers any sort of sporting or similar activity it is not restricted to "mountain sports". I seem to remember that there used to be an exclusion for cycling but that has gone. The website says with regard to repatriation & medical costs "Valid worldwide during the first eight weeks of any journey abroad, for leisure and occupational accidents as well as illness." . I agree is it not general purpose travel insurance but it is very useful for any sort of active "holidays" without the restrictions that seem to apply to many travel policies. It is really designed for Austrian & German residents who will have different sorts of health insurance than UK residents have but that doesnt mean it is not very useful for some of the issues that regularly pop up here.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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Munich_Irish, thanks for that suggestion. It looks almost perfect for what I want, but unless I am missing something, the one activity on the mountains it does not seem to cover is downhill skiing. Do you think this is just assumed? Its very odd.
I spend much of each winter in Zell am See where I have an apartment, though it is quite ready to accept I actually live in the UK. If it works for you it should work for me. The hospital is covered by my GHIC card. Over the years I have used it a bit including a major op.. The only charges are for the food I have eaten.
I would really like your considered thoughts on the downhill skiing please.
PS Is the Bergrettung much the same?
PPS I think I tried Allianz but I will look back at my notes.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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Have you looked at Barclays? Covers up to age 79 and 31 days - though that can be extended for extra cost. Its £14.50 a month and comes with breakdown cover. It can be cancelled after 6 months. I suppose one of the drawbacks will be the requirement for a current account but might be worth looking into if it gives you what you want cover wise.
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You'll need to Register first of course.
You'll need to Register first of course.
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@Retro4, many snowHeads already use AAC, including my husband and kids, so I am fairly certain it does.
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@Retro4, I'm not sure what you are reading but the only exclusions re skiing are doing it professionally or in a competition.
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@Hells Bells, For longer ski trips we have used AAC to cover the skiing element, and a seperate long trip policy to cover non- wintersports incidents. We have never needed to claim personally, but have had anecdotal reports of it working okay from elderly members of our climbing club.
We are not yet over 70 but the combination of longer trips, multiple pre-existing conditions, and skiing off piste without a guide ( have even seen policies where Level 3 avvy risk is not covered!), and ski touring has made insurance a nightmare! And when we go on longer cycle tours we have to start all over again AAC don't cover cycling, and cycle touring is excluded from most normal long trip policies!
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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@Retro4, Bergrettung is pretty much the same and might be as good an option, I had assumed you needed to be a local resident but maybe not. Excerpt from cover details for Alpenverein
| Quote: |
Rescue costs are those costs incurred by local rescue
organisations (including the costs of rescue organisations
from the neighbouring country in the event of incidents
near borders), which are necessary if the insured party has
an emergency/accident or must be rescued from mountain
or aquatic distress or from off-road terrain, either injured
or uninjured (the same applies accordingly in the event of
death). Rescue costs are verified costs of searching for an
insured party and his or her transport from off-road terrain
a) to the next accessible road or
b) to the hospital closest to the site of the accident. |
@RobinS, Cycling used to be an exception but no more though it appears it that the rescue element is only for off public roads so maybe road bike touring is not covered
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@Origen, I just realised I missed your reply about Nationwide details. Thanks so much, seems a very reasonable premium to me, all things considered. I'll just have to upgrade my current account and take it from there, I think. Not looking forward to explaining what's going on with my left eye to someone dim at Aviva, though, heart issues are simple in comparison.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Thank you for all the helpful replies.
I am coming to the conclusion that the big issues are probably covered best by Alpenverein. Its a club and they seem to want people (including older ones) to go out in the fresh air and exercise, do stuff. They will rescue you when it does all go wrong. (The British Insurance Industry I suspect would rather you sit in an arm chair, get fat and die!) Alpenverein allows for longer trips, age and are not worrying about if you loose your knickers and toothbrush, or ingrowing toenails. Alpenverein are really positive. If you join after 1/9/24 you are covered until 31/12/25 for, at age 77, £48!!!! (I miss read about the downhill cover. My mistake.)
I have always paid Bergrettung Salzberg something so they will helicopter me off the mountain if necessary. I am trying to ascertain if they have a similar/broad level of insurance coverage but am not confident that is the case.
I have realised that the aquaintance who is the agent of Donau Insurance and insures my ski apartment is also the head of the local mountain rescue, so I have asked him to advise. If I get anything useful back I will report here on that.
Once again thank you so much everyone for your help, Steve.
PS Why Barclays have ANY customers defeats me. My experience is they are plain dishonest and Trustpilot does not make good reading. I would feel more secure if I had a policy with Vlad Putin I think, than being insured through them! Sorry.
Thank you all again, it has been most helpful. Steve.
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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Has anyone had experience of claiming jointly on AAC, and any related UK policy.
E.g. the following scenario: (cobbled together from some recent real examples!)
- injury 'offpiste' on a 7 week duration EU trip
- AAC would cover the local necessary medical expenses
- ?? would cover any 'additional' medical expenses (e.g. crutches, air boot, pain relief)
- UK insurer would in theory cover any curtailment (e.g. refund of remaining hotel costs, repatriation).... but in my experience, they would see an 'insured event' occurring outside their policy (e.g. as their policy only covers 2 week trip durations)
or another way - how to combine and effectively claim for different risks (injury/recovery via AAC, and curtailment/luggage etc via separate insurer).
At some point I'll do a write up of my current claims process.... nearly as painful as the injury itself!
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I've been reading around the small print in Nationwide/Aviva and it seems almost too good to be true. I didn't realise, for instance, that you get breakdown and mobile phone cover as well with a FlexPlus account, not to mention the fact that the travel insurance appears to give worldwide cover and there is no age restriction. Since I haven't had so much as a face-to-face check-up in more than a year, I saw no reason to declare my aortic valve implant. I was interested, @j b, that you declared a cancer with no issues in the last 12 months - is that because you were/are receiving medication? I just declared the inevitable bp medication and statins, plus my uveitis (for which I take a million drops they didn't ask me about) and got a quote of £110 plus, of course, the FlexPlus charge of £18 per month. Why did I not do this before?! Alternatively, somebody please tell me what I've missed. (I never do as much as 31 days per trip anywhere).
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You know it makes sense.
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@Hurtle, you’re unlucky not to come across it before, it’s mentioned quite regularly here on insurance questions, and it used to be only £13 a month until a few weeks ago.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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@ster, in fairness, in the days when I was insuring with MPI, I did have more stuff to declare and also I was skiing off piste without a guide a bit. But I don't remember reading about the extras offered by Nationwide, especially the worldwide cover and lack of age limit, and their relative reticence in asking health-related questions.
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FAQ
