holiday abroad without insurance

I became terminally ill 4 years ago with kidney cancer, and was given six months to live. Having said that, the progress of my ilness is unusually slow and I am, in practical terms, very fit with little in
the way of symptoms. I've never had a serious comprimising health incident in that time.
Holidays... Much as I'd like to, I can't visit USA. My insurance would cost ten times the price of the holiday, maybe £5000 or more.
I booked myself a two day break in Marrakech for £100 thinking "It is not too far away. I'll do it without any insurance." The holiday is a bargain, but not if I add on an additional £500 insurance.
But I've now realised that this creates a potential problem for other people. It is statistically unlikely that I'd get sick for the first time ever during those two days, but what if i do get seriously ill during the break, for example if I encountered breathing difficulties on the outward flight and they had to land the plane and somehow get me back to the UK. Or what if I die over there and it is necessary to get the body back? It wouldn't be me who deals with the problem. It'd be my family who arent particularly aware of the insurance issues.
The chances of these disastrous things happening are minimal, but if something did, someone in my family would have to finance it and organise it, and subsequently recover the money from me or my estate. It could be thousands of pounds.
Any thoughts? It is unfair of me to put such a responsibility on my family. Should I not go? Should I set up a bank account that they can access in case of emergency. Does anyone have any knowledge or experience of emergency return from somewhere like Marrakech? Likely max cost?
Thanks
Tony
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they were saying:

Why not ask... your family...?

High. Very, very high.
A private ambulance for a hospital transfer within the UK runs into hundreds for a fairly short trip.
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gurgled happily, sounding much like

hmmm, so it could work out cheaper for me to get an ambulance to the airport instead of a taxi in future.
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I became terminally ill 4 years ago with kidney cancer, and was given six months to live. Having said that, the progress of my ilness is unusually slow and I am, in practical terms, very fit with little in the way of symptoms. I've never had a serious comprimising health incident in that time.
Holidays... Much as I'd like to, I can't visit USA. My insurance would cost ten times the price of the holiday, maybe 5000 or more.
I booked myself a two day break in Marrakech for 100 thinking "It is not too far away. I'll do it without any insurance." The holiday is a bargain, but not if I add on an additional 500 insurance.
But I've now realised that this creates a potential problem for other people. It is statistically unlikely that I'd get sick for the first time ever during those two days, but what if i do get seriously ill during the break, for example if I encountered breathing difficulties on the outward flight and they had to land the plane and somehow get me back to the UK. Or what if I die over there and it is necessary to get the body back? It wouldn't be me who deals with the problem. It'd be my family who arent particularly aware of the insurance issues.
The chances of these disastrous things happening are minimal, but if something did, someone in my family would have to finance it and organise it, and subsequently recover the money from me or my estate. It could be thousands of pounds.
Any thoughts? It is unfair of me to put such a responsibility on my family. Should I not go? Should I set up a bank account that they can access in case of emergency. Does anyone have any knowledge or experience of emergency return from somewhere like Marrakech? Likely max cost?
Thanks
Tony
The answer is to go, then if you fall ill and hopefully survive, write to Watchdog or The One Show and have your plight shown to millions. Miraculously, for those poor people, the company implicated ALWAYS pays up. I wonder why that is.
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I became terminally ill 4 years ago with kidney cancer, and was given six months to live. Having said that, the progress of my ilness is unusually slow and I am, in practical terms, very fit with little in the way of symptoms. I've never had a serious comprimising health incident in that time.
Holidays... Much as I'd like to, I can't visit USA. My insurance would cost ten times the price of the holiday, maybe 5000 or more.
I booked myself a two day break in Marrakech for 100 thinking "It is not too far away. I'll do it without any insurance." The holiday is a bargain, but not if I add on an additional 500 insurance.
But I've now realised that this creates a potential problem for other people. It is statistically unlikely that I'd get sick for the first time ever during those two days, but what if i do get seriously ill during the break, for example if I encountered breathing difficulties on the outward flight and they had to land the plane and somehow get me back to the UK. Or what if I die over there and it is necessary to get the body back? It wouldn't be me who deals with the problem. It'd be my family who arent particularly aware of the insurance issues.
The chances of these disastrous things happening are minimal, but if something did, someone in my family would have to finance it and organise it, and subsequently recover the money from me or my estate. It could be thousands of pounds.
Any thoughts? It is unfair of me to put such a responsibility on my family. Should I not go? Should I set up a bank account that they can access in case of emergency. Does anyone have any knowledge or experience of emergency return from somewhere like Marrakech? Likely max cost?
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It depends on many things, including what relatives you have and whether you have anything to leave to them. You could quite easily wipe out 250,000 on medical treatment and repatriation, so the bigger your estate the more you or they have to lose. There are other risks than your illness to not having insurance. What happens if you get hit by a hit and run driver- requiring a huge amount of medical attention on site rather than being able to come home?
One thought though if you are determined to go abroad. Stick to the EU and get an EH1C.
That entitles you to medical treatment on the same basis as a local person (not often free, but with some or most costs met) throughout the EU.
I know some people go to European countries without insurance relying only on the EH1C. I never have. We always take insurance, particularly for things it would not cover, such as repatriation, but it would underwrite a lot of the medical costs if you choose where you go carefully.
It's your own decision though- you need to research it to see what it offers and work out whether it is a chance you are willing to take.
Neb
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Why would you want repatriating from the EU? If I was too ill to travel normally I think I'd prefer to recover in a French or German hospital than an NHS one. Repatriation is only really important of you go somewhere with poor medical facilities or in the middle of nowhere.
--
Andy



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Err, because my family, friends and work are all here? As we tend to drive to France via the tunnel there could be a lot of circumstances where I wasn't fit to drive home but didn't want to pay for a suitable alternative. At about 80 for an annual family policy it doesn't exactly break the bank.
As I said I do know people who are prepared to risk it but we never have.
Neb
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If you were unfit to travel normally you'd hardly be likely to be in a fit state to work, or to be socialising. You may want people to visit you in hospital but that's a problem if you travel 300 miles away from your home in the UK.

Breakdown cover usually covers "only driver taken ill" eventualities, since it's nothing like as expensive as an air ambulance type repatriation.

It's not really a risk if you're going to a country with better medical facilities than the UK and which the EHIC covers.
--
Andy



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You may need to pay a translator for every medical consultation, and you need one who is familiar with medical terms.
My friends who went to live in Spain some years ago have found that inconvenient and expensive.
--
Gordon H
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writes

Went to live there? I never understand how anyone can go to live in a country without learning the language. After being there a few years surely they'd be pretty fluent, unless they're the type who only socialise with ex-pats and stick to tourist areas.
For an emergency, which is all you'd seek medical treatment for if you're on holiday, it's unlikely to be an issue - they'll find someone to translate (happened to me in Germany and my daughter in Sweden). I can believe they won't do every time for routine medical consultations for someone who lives in the country, why should they?
--
Andy



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writes

I must say, I complain about the immigrants who come to live in the UK and need an interpreter (for free) when they're in court or whatever. Why the heck aren't they expected to learn the language if they are allowed to live here? And the Brits do it as well!!
Rob Graham
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writes

Quite! In the US there's a lobby group called "English First" which attempts to cut the massive cost of translation services, multilingual schools/services etc provided to different communities. It's made up generally of people whose first language isn't English, but see the need for an agreed common language so people aren't able to simply not bother learning the official language of the country they live in.
Of course the brain dead left-wingers claim such a group is racist even though it's multi-racial.

Yes! They are probably worse than immigrants to the UK in learning their new country's language. We met a bloke in Thailand who had lived there for 15 years (married to a Thai woman), but was recently divorced, and without his wife he had to stick to tourist areas where English was spoken because he only knew a few words of Thai! After 15 years living there!
--
Andy



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much like they were saying:

I met four Brits (two couples, probably in their 60s) in France a couple of months ago, who'd been living there for (IIRC) six or seven years.
Not only did they not speak a word of French between them, but the women refused point blank to eat any meat that hadn't been brought from the UK...
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gurgled happily, sounding

And I bet they're the type who complained about immigrants to the UK when they lived here...
Reminds me of someone at work who, while whinging about immigrants, said he supported the "Tebbit test" - ie do immigrants support England or the country they came from.
He was living in Manchester but originally from Sheffield. I asked him whether he now supported Man U or Man City. Surprise surprise, he said neither, he still support Sheff Weds! And his parents had retired to Spain, so I asked who his Dad supports when England play Spain. Guess what...
--
Andy



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much like they were saying:

I deliberately didn't go near that particular can of worms, for fear of getting a bit ranty about their hypocrisy. They certainly seemed the Daily Wail type.

"Ah, but that's different..."
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Typical b***** Yorkshireman. :)
--
Gordon H
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writes

There are some towns in the US where eveybody, including the local councillors, speak another language as their first language
tim
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writes

What happens when they need to communicate with people in the next town, or with state/federal authorities like the tax people etc?
--
Andy



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much like they were saying:

Do you have a difficulty with the implications inherent in "first language"?
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gurgled happily, sounding

It implies that some of them might speak another language as well. It certainly doesn't imply all do. In the context of the paragraph he replied to, his point would seem to be that this other language is the "agreed common language" for those towns and that English isn't necessary.
--
Andy



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