Staysure travel insurance

Chat with fellow forum users. No adverts or trade links in here please.
trevnhil
Posts: 3864
Joined: Wed Dec 28, 2016 12:12 pm
Location: Polemi

Re: Staysure travel insurance

Post by trevnhil » Thu Jun 13, 2019 9:57 pm

I rang Staysure and they confirmed that they no longer insured Expats..
I thought I would try a local firm in Paphos and got a quote for €294 and that was for minimum cover plus medical cover..
I then tried an online company mentioned earlier 'Globelink'..
The list of medical conditions they cover was amazing.. So I took the Comprehensive cover out including medical cover as well.. The total was 160 Pounds.. I am quite well satisfied..
Trev..

User avatar
josef k
Posts: 595
Joined: Thu Dec 29, 2016 4:15 pm
Location: Emba

Re: Staysure travel insurance

Post by josef k » Fri Jun 14, 2019 3:05 pm

I have just taken out travel insurance through Status Insurance. The policy is with Citybond and gives me 5,000,000 euros cover for a one month trip at a cost of 135 pounds (excluding usa etc). Not bad given that my heart is covered even though I have had a bypass.
My wife, who is younger, has been given annual cover for 101 pounds.

Worth checking out.

chris&pam
Posts: 34
Joined: Tue Nov 21, 2017 2:13 pm

Re: Staysure travel insurance

Post by chris&pam » Sun Jun 16, 2019 11:15 am

If you google 'Citybond' you get through to the company itself. Get the same deal as if you went through an agency but without paying the agency fee!

trevnhil
Posts: 3864
Joined: Wed Dec 28, 2016 12:12 pm
Location: Polemi

Re: Staysure travel insurance

Post by trevnhil » Sun Jun 16, 2019 11:25 am

chris&pam wrote:
Sun Jun 16, 2019 11:15 am
If you google 'Citybond' you get through to the company itself. Get the same deal as if you went through an agency but without paying the agency fee!
The problem with doing that is Cyprus is NOT listed on the question, where do you live !!!
Trev..

chris&pam
Posts: 34
Joined: Tue Nov 21, 2017 2:13 pm

Re: Staysure travel insurance

Post by chris&pam » Sun Jun 16, 2019 3:29 pm

If you go to Citybond home page and open the link for a quick quote then scroll down to you see 'Rep of Cyprus'. We've used Citybond since Staysure informed us they 'don't do Cyprus.

merchant_banker
Posts: 229
Joined: Thu Dec 29, 2016 7:09 pm

Re: Staysure travel insurance

Post by merchant_banker » Sun Jun 16, 2019 3:42 pm

I note a lot of people blame medical costs in USA.

A knowledgable person on these matter tol me the Cyrpus health system is to blame also.

In the UK for example people have a GP who keeps records of medical health and treatmenta and any hospital in/outpatient treatments etc.

In Cypus comprehensive medical records are not available, nor until now do patients have a designated dr, who the insurance companies can write to to establise existing medical conditions - the consqquence is hight premiums.

Maybe this will change with the new system.

trevnhil
Posts: 3864
Joined: Wed Dec 28, 2016 12:12 pm
Location: Polemi

Re: Staysure travel insurance

Post by trevnhil » Sun Jun 16, 2019 4:20 pm

We have certainly answered the question about having a doctor that we are registered with truthfully
Even before this new NHS we have been registered with one GP, who we have gone to for treatment from time to time..
Trev..

User avatar
Happy in Cyprus
Posts: 4575
Joined: Sun Jan 01, 2017 10:08 am
Location: Ha Potami, Kouklia
Contact:

Re: Staysure travel insurance

Post by Happy in Cyprus » Fri Nov 15, 2019 5:11 pm

We're planning a trip to the States. Have read Trev's recommendation for Globelink, but just wondered if anyone else has since had particularly good experiences with travel insurance for the USA. NOT particularly looking for the cheapest - that's rarely the best criteria for an insurer - but one which gives the most comprehensive cover and, if anyone has made a claim, how well the insurer performed.

Also, slightly related, the best way to get internet on the go in the USA without using mobile data.

Oxfordboy
Posts: 131
Joined: Mon Jan 02, 2017 5:09 pm

Re: Staysure travel insurance

Post by Oxfordboy » Fri Nov 15, 2019 5:50 pm

If it helps, I have been using Globelink for a couple of years now as I travel quite frequently and they seemed to cover just about everything including (up to) 10 million GBP in Medical cover. I fortunately haven't had cause to use them, but I did find the online purchase/renewal process pretty good and their rates seem quite reasonable.

I'm usually hooked up to either a work or hotel wifi when in the US so haven't needed to activate my Cyprus mobile data, but there are certainly PAYG SIM cards you can get.

2QuarterPints
Posts: 160
Joined: Sat Dec 31, 2016 1:55 pm
Location: Paphos 6 Months / Yorkshire 6 Months

Re: Staysure travel insurance

Post by 2QuarterPints » Fri Nov 15, 2019 6:09 pm

HiC - We travel to the States a lot, albeit from the UK so insurance isn't an issue. Regarding internet on the go, we generally buy a US SIM with a month's data etc. Available in vending machines at most airports when you land, and a variety of data plans. Recently we have been getting them from Amazon before we go as it's one less thing to think about when we get there. I have a duel SIM phone so put the US one in the slot I usually use for my Cyprus one. Used to just use a spare phone before I got a duel SIM. More often than not, we don't use a lot of the data because free WiFi is quite widespread as it is in most places nowadays.

User avatar
Happy in Cyprus
Posts: 4575
Joined: Sun Jan 01, 2017 10:08 am
Location: Ha Potami, Kouklia
Contact:

Re: Staysure travel insurance

Post by Happy in Cyprus » Thu Dec 05, 2019 12:22 am

As always, the devil is in the detail.

Our daughter obtained a much cheaper quote from her broker than the policy I was recommended to by Top Quotes. When I mentioned this to Top Quotes they pointed out that their recommended insurer 'Europesure' covers treatment by any hospital (including private) in any country - subject of course to prior approval from the insurer, whereas our daughter's policy requires that state hospitals only can be used for treatment.

This is a big deal, especially in America. When I checked the Globelink policy, which superficially looks very competitively priced, it says: "Private medical treatment is not covered in countries where reciprocal health agreements entitle you to benefit from public health care arrangements unless authorised specifically by Mayday Assistance.".

This too is a big deal for EU residents, as it means that you cannot be treated in any hospital of your choosing, or one which is close by, but rather you are required to use a state hospital. Thus, a holidaymaker from the UK to Paphos with a Globelink policy would be obliged to use Paphos General only - rather than any private hospital in the area.

When you need urgent medical treatment for a serious condition I believe it is better to be able to use a medical facility of your choosing, rather than being required to use a state hospital which could be some distance away. State hospitals in some countries can be good, but others can be dire, as we all know.

User avatar
Dominic
Site Admin
Posts: 8591
Joined: Wed Dec 28, 2016 5:00 pm
Location: Polemi
Contact:

Re: Staysure travel insurance

Post by Dominic » Thu Dec 05, 2019 6:14 am

That’s only with the insurer’s prior approval though. How is that different from needing their authorization?
Web Designer / Developer. Currently working on Paphos Life.
Living in Polemi, Cyprus with my wife and daughter.

User avatar
Cactuslil
Posts: 780
Joined: Wed Dec 28, 2016 7:41 am

Re: Staysure travel insurance

Post by Cactuslil » Thu Dec 05, 2019 7:44 am

Dominic wrote:
Thu Dec 05, 2019 6:14 am
That’s only with the insurer’s prior approval though. How is that different from needing their authorization?
Absolutely.A friend in the UK recently broke her arm whilst visiting her daughter in France & went to the local private hospital only to return home with a large bill because the hospital she went to wasn’t on the insurers approved list.

Meri2
Posts: 12
Joined: Mon Jan 07, 2019 8:25 am

Re: Staysure travel insurance

Post by Meri2 » Thu Dec 05, 2019 8:35 am

trevnhil wrote:
Thu May 16, 2019 5:14 pm
What matters to us is that the insurance covers various medical conditions like heart stents and Diabetes.
I’m with Eurolife /Bank of Cyprus
Excellent cover !

WHL
Posts: 3025
Joined: Sat Mar 25, 2017 2:43 pm

Re: Staysure travel insurance

Post by WHL » Thu Dec 05, 2019 10:43 am

Atlantic for me, not the cheapest, but when Ive claimed in the past, they pay up pronto.

User avatar
Happy in Cyprus
Posts: 4575
Joined: Sun Jan 01, 2017 10:08 am
Location: Ha Potami, Kouklia
Contact:

Re: Staysure travel insurance

Post by Happy in Cyprus » Fri Dec 06, 2019 12:09 am

Dominic wrote:
Thu Dec 05, 2019 6:14 am
That’s only with the insurer’s prior approval though. How is that different from needing their authorization?

That's what I meant.

Even though your policy may entitle you to private medical care, it does not mean you can blithely spend the insurer's money willy-nilly. The insurer has every right to confirm your claim's validity and the hospital's proposed charges before approving your claim.

Meri2. Excellent cover, yes, but I could tell you a few stories about my experience with Eurolife with regard to my eye operation. I would never now recommend them to anyone else...and we only stay with them because at our age we are not in a position to switch insurer.

But this thread is about travel insurance including medical cover, rather than medical cover while living in Cyprus. And I'm pointing out that cheap travel insurance invariably comes with the proviso that you can only use state hospitals for medical cover while abroad, rather than any hospital of your choosing. For that reason we are going with Europsure, which while more expensive, allows any medical facility to be used.

As always, if something appears cheap, read the small print to find out why ;)

User avatar
Dominic
Site Admin
Posts: 8591
Joined: Wed Dec 28, 2016 5:00 pm
Location: Polemi
Contact:

Re: Staysure travel insurance

Post by Dominic » Fri Dec 06, 2019 7:23 am

But Europsure doesn't allow any medical facility to be used, unless you get prior approval. How is that different from the Globelink policy which said you should use state hospitals "unless authorised specifically by Mayday Assistance."

Or to put it another way, how can you be sure Europsure will give you prior approval, and not just insist you go to the state hospital?
Web Designer / Developer. Currently working on Paphos Life.
Living in Polemi, Cyprus with my wife and daughter.

User avatar
Happy in Cyprus
Posts: 4575
Joined: Sun Jan 01, 2017 10:08 am
Location: Ha Potami, Kouklia
Contact:

Re: Staysure travel insurance

Post by Happy in Cyprus » Sat Dec 07, 2019 2:12 am

All medical insurance companies require prior approval before medical intervention is carried out. This applies whether we're talking normal medical insurance, or medical insurance as part of a travel policy. That's perfectly understandable; otherwise a patient could commission a quarter of a million euros worth of medical treatment...and then fling the bill at the insurer, who had no prior knowledge of the treatment required.

What we are debating here is that 'cheaper' (for want of a better definition) travel insurance policies require you to utilise state hospitals (where they are available) as a first and primary port of call. Only if a state hospital is not available can you consider using a private hospital. Better insurers allow you to use any hospital of your choosing. I spoke with Top Quotes yesterday and they told me of a customer who went to a private hospital for medical treatment, when they were required to use a state hospital. Their claim for recompense was refused.

Ultimately, I have decided we will pay extra so that we can go to any hospital of our choosing. Which hospital I am permitted to use is the last thing I want to be worrying about when I am in the back of an ambulance ;)

Jim B
Posts: 1386
Joined: Wed Dec 28, 2016 5:42 am

Re: Staysure travel insurance

Post by Jim B » Sat Dec 07, 2019 6:54 am

We recently bought holiday insurance at Abbeygate, £28 for 50 days European cover.

Jim

Post Reply