Poster: A snowHead
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My son inlaw and his girlfriend are coming to Austria with us next Saturday and whilst we normally set him up with a Direct Line policy, as an American citizen they do not cover her (she is staying with him on a 6 month visa).
Has anyone any experince of this or ideas as we really want to ensure that she is covered.
Thanks
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Steve.S, usually it suffices to be UK resident - shop around a bit. Or try Columbus Direct - I used them as a French resident travelling to Canada. (Ski travel insurance impossible to get in France, clearly the French never go anywhere.)
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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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What form of medical insurance has he now? Surely that would also do, if not he could probably buy holiday insurance himself off a US company?
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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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patricksh, The US travel insurance market is almost non-existant in UK terms and I usually get it whille buying the flight process. If she's a temporary resident then surely she has an EU address. If she has existing US medical that should cover her medical bills but not repatriation unless it's in the policy and US policies come in an infinite range can and can't do's
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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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Patricksh seems to have the best approach. Dog tag won't cover unless your main home is in Europe.
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You'll need to Register first of course.
You'll need to Register first of course.
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Bob, If she's there with a residential visa that's her residence, may be worth them doing some more checking.
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6 month visa could be a simple holiday visa or fiancee/proposed civil partner visa. The former would probably not confer residence, the latter might?
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Seems unlikely that it would work with Dogtag, not user who thay are behind the badge, but i'm guessing all UK based co will have asimilar view. Hence US based travel worldwide insurance with Skiing adeed seems the most sensible approach.
"Residence of the UK or Channel Islands.
We can only cover you if you have your main home in the UK or the Channel Islands and have not spent more than six months abroad during the year before the policy was issued"
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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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Bob, It all used to be soooo much easier
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oh yes, now everyone gets twitchy about cover. But its one of those thing that we do need to make sure that is 100%, just in case..
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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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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Is there an Austrian version of Carre-Neige? Or would Carre-Neige cover Austria perhaps? Nobody has ever asked us for any info when adding this to lift passes in France, assume it covers most of the major cost bits that can happen on a ski trip.
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Thanks everyone
I asked Direct Travel if they could help but just got a knock back, am still awaiting a reply from Columbus.
As Americans obviously ski in Europe there must be an answer, I will ask Rebecca to phone home and get them working on it for her.
I guess with health costs so high in the States and no prospect of free NHS care as back up any UK based insurer will probably assess the risk as one they dont want to carry.
Having said that there has to be an answer, I will let you know how I get on.
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You know it makes sense.
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I've a call out to my local ski club that's running a trip to Livigno this season to see what they're doing.
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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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Poster: A snowHead
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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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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Steve.S, but what is her cover now? Is it still her US insurance or has she taken out a PHI policy in UK? My Irish PHI covers me for medical emergencies abroad (I think with poss exception of US funnily enough) so only thing I ever need to worry about is Carre Neige
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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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Steve.S, does she not have insurance for her 6 month trip anyway? Can this not be upgraded for winter sports cover? Maybe I'm being over simplistic but sometimes the obvious is easy to overlook. Just asking.
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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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Raceplate, Thank you, very much appreciated. I'm pretty sure I've been well under-insured for my last few trips. I'm multi-national and travel with a European passport as well so I could probably blag it but better to be safe than caught out. I can (technically) claim a UK address, just.
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You'll need to Register first of course.
You'll need to Register first of course.
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patricksh, Great minds eh?
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lilywhite, no-one is heeding us tho
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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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patricksh, oh well *shrugs*
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As Lizard says, try Columbus, they seem to be a little more flexible in what or who they will cover. If not may be a trip to an old fashioned high street broker may get you access to a more flexible approach but it may also cost more.
Out of interest a quick Google came up with this, MPI Brokers, as the first hit. I have no knowledge of them and I am sure there are a few more brokers out there as well.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Thanks everyone.
She managed to set this up with an American insurer
Just need it to get a bit colder in Schladming to turn the current rain to snow, although it looks cold and sunny for next weekend but with not much snow
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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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Steve.S, Could you post here or PM me the basic details like provider, cost and if it's complete medical or just a top-up to her current, Cheers
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