Hi all , can anyone recommend a travel insurance company that will insure my filipina to cover her for her trip to UK in March please ?Has anyone used " Malayan Insurance Company" ? Trying online but their website is difficult . I sent them an e mail but no reply yet surprise surprise . I would really like to get something arranged for her soon , so would appreciate any help . Thank you .
Thank you for the link @Markham , that is one of the companies she is looking at , and also her PNB bank .
No it's not something immigration insist on , but I would be happier if I can get something arranged to cover her visit .
PNB would be fine if she were doing some inter-island travel whereas Malayan, although more expensive, is a "proper" insurance company whose policies do meet the quite stringent EU and Schengen requirements. She should apply for a Dollar policy.
Would some form of Travel insurance be sufficient to cover the period of a Fiance(e) Visa, i.e. before the IHS 'kicks in', for any health costs not considered 'an emergency'/contraception, etc - from other Posts, I believe these are covered, but not (again from reading other Posts) such things as ante-natal care (heaven forbid!)? I have seen a recommendation to look at BUPA cover for this period - which I will do - but wonder if that is something of 'a hammer to crack a nut' scenario... I know with UK Travel insurance there is a limit on the length of any single trip that would be covered (can't remember what it is?), so (up to) 6 months (for a Fiance(e) Visa) might not even be possible with Travel insurance... I just don't know! An obvious (possible) cost which might be incurred during the initial Fiance(e) Visa period is for prescriptions. Again, with UK Travel insurance there is usually an 'excess' which prevents/makes it uneconomical claiming for prescription charges abroad, but I have no idea what a person who is not usually resident in the UK might have to pay for prescription items - presumably a good deal more than the £8.60 we currently pay and maybe up to the actual cost of the medication? If Travel insurance is not a viable option, any other recommendations apart from BUPA would be appreciated. TIA
You might be surprised about that £8:50 prescription charge..bearing in mind it's per item. Some cost less than that to buy at the chemist.
Yeah, I know some 'friendly' GPs will recommend a 'private' prescription if the cost is lower than the £8.60 NHS prescription charge - I'm just concerned about whether a person who is not entitled to NHS treatment/prescriptions would have to pay the 'full' cost of medications (not available 'Over the counter' - e.g. antibiotics?) - whatever that might be? - and whether Travel insurance is available for a single trip of up to 6 months?
i sweated it out--she arrived on the 25th feb--got married end of april--applied for same day service flr--mid may..paid the ihs surcharge--got the brp a few days later. she already had a NI number from when she was in the UK working on her student visa 2008-12. she was already registered with a GP back then. i also got her registered with my NHS dentist. in the last 2 years the only consultation with a doctor was for her contraceptive pills--which are free of even a prescription charge and issued for 6 months a go.
Travel insurance is not intended to provide continuous cover for such a lengthy time period. You need private health insurance, such as that provided by BUPA, Aviva or Axa (among others) but you'll almost certainly be subject to a 12 month minimum contract and there will possibly be an excess and/or restrictions regarding any pre-existing medical conditions.
Usually a 30 day per trip limit on most cheaper travel insurance policies... and that presumably for British nationals only ?
Yeah, that's what I feared... Although it is unclear from the original Post by @OTT how long his 'Filipinas' visit was for, I guess you were recommending Malayan only for a short 'holiday' visit, as from what you say a Travel policy wouldn't even cover them for a 6-month Tourist/Visitor Visa duration? This raises the question of what foreign nationals would do in the case of, say, a study Visa which I'm guessing could be for 12 months or more??? But that's probably for a different thread (and irrelevant to my situation)! Will probably take out the Travel insurance for the maximum period of cover (I think it is 60/90 days, according to the link you provided earlier to Malayan). Will continue to look at private healthcare, e.g. BUPA etc, too - for the longer period. Pre-existing conditions are not an issue...
Just a word of caution , I looked at World Nomads also. I found a few bad reviews for them , re not covering certain things , and not paying out on claims , so I didn’t use them . To be fair ,the reviews were from a few years ago , so things could be different now . I think they were based in America.
@UKDJ , I'm not sure if this will help but it's worth a look , try :- worldwide insure.com . It's a company I emailed before , and covers all nationalities for longer durations . I hope it helps .
