Travel insurance and no regular insurance?
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I am currently insured by my employer but I'm planning to quit and backpack for three months through Asia and Europe. I am relocating from Asia to the UK. At the end of my trip, I will be insured again under the NHS. I'd like to purchase travel insurance for this period. Does the fact that I have no "home" insurance matter?
Along these lines, is there a difference between a globally valid medical insurance and the travel insurance with worldwide coverage? The latter seems cheaper, which is a bit counterintuitive.
TL;DR I have no insurance but want to travel. Will just travel insurance suffice? I'm looking at a policy like this one - https://www.allianz-assistance.com.sg/media/documents/20170802-B2C-PW.pdf
Edit: To provide context, I'm an Indian citizen, legally resident in Singapore and insured here by my employer and moving to the UK for graduate school.
insurance
asked Mar 25 at 11:30
user1936752
2206
add a comment |Â
up vote
5
down vote
favorite
I am currently insured by my employer but I'm planning to quit and backpack for three months through Asia and Europe. I am relocating from Asia to the UK. At the end of my trip, I will be insured again under the NHS. I'd like to purchase travel insurance for this period. Does the fact that I have no "home" insurance matter?
Along these lines, is there a difference between a globally valid medical insurance and the travel insurance with worldwide coverage? The latter seems cheaper, which is a bit counterintuitive.
TL;DR I have no insurance but want to travel. Will just travel insurance suffice? I'm looking at a policy like this one - https://www.allianz-assistance.com.sg/media/documents/20170802-B2C-PW.pdf
Edit: To provide context, I'm an Indian citizen, legally resident in Singapore and insured here by my employer and moving to the UK for graduate school.
insurance
asked Mar 25 at 11:30
user1936752
2206
Most or all travel insurance I have ever seen did require a normal health insurance. That globally medically insurance might be needed on top of the travel insurance.
– Willeke♦
Mar 25 at 11:50
Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/…
– Wandering Chemist
Mar 25 at 15:18
1
"The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too.
– Wandering Chemist
Mar 25 at 15:23
It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you.
– user16259
Mar 25 at 16:22
add a comment |Â
up vote
5
down vote
favorite
up vote
5
down vote
favorite
I am currently insured by my employer but I'm planning to quit and backpack for three months through Asia and Europe. I am relocating from Asia to the UK. At the end of my trip, I will be insured again under the NHS. I'd like to purchase travel insurance for this period. Does the fact that I have no "home" insurance matter?
Along these lines, is there a difference between a globally valid medical insurance and the travel insurance with worldwide coverage? The latter seems cheaper, which is a bit counterintuitive.
TL;DR I have no insurance but want to travel. Will just travel insurance suffice? I'm looking at a policy like this one - https://www.allianz-assistance.com.sg/media/documents/20170802-B2C-PW.pdf
Edit: To provide context, I'm an Indian citizen, legally resident in Singapore and insured here by my employer and moving to the UK for graduate school.
insurance
asked Mar 25 at 11:30
user1936752
2206
I am currently insured by my employer but I'm planning to quit and backpack for three months through Asia and Europe. I am relocating from Asia to the UK. At the end of my trip, I will be insured again under the NHS. I'd like to purchase travel insurance for this period. Does the fact that I have no "home" insurance matter?
Along these lines, is there a difference between a globally valid medical insurance and the travel insurance with worldwide coverage? The latter seems cheaper, which is a bit counterintuitive.
TL;DR I have no insurance but want to travel. Will just travel insurance suffice? I'm looking at a policy like this one - https://www.allianz-assistance.com.sg/media/documents/20170802-B2C-PW.pdf
Edit: To provide context, I'm an Indian citizen, legally resident in Singapore and insured here by my employer and moving to the UK for graduate school.
insurance
asked Mar 25 at 11:30
user1936752
2206
edited Mar 26 at 5:46
asked Mar 25 at 11:30
user1936752
2206
asked Mar 25 at 11:30
user1936752
2206
asked Mar 25 at 11:30
user1936752
2206
2206
Most or all travel insurance I have ever seen did require a normal health insurance. That globally medically insurance might be needed on top of the travel insurance.
– Willeke♦
Mar 25 at 11:50
Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/…
– Wandering Chemist
Mar 25 at 15:18
1
"The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too.
– Wandering Chemist
Mar 25 at 15:23
It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you.
– user16259
Mar 25 at 16:22
add a comment |Â
Most or all travel insurance I have ever seen did require a normal health insurance. That globally medically insurance might be needed on top of the travel insurance.
– Willeke♦
Mar 25 at 11:50
Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/…
– Wandering Chemist
Mar 25 at 15:18
1
"The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too.
– Wandering Chemist
Mar 25 at 15:23
It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you.
– user16259
Mar 25 at 16:22
Most or all travel insurance I have ever seen did require a normal health insurance. That globally medically insurance might be needed on top of the travel insurance.
– Willeke♦
Mar 25 at 11:50
Most or all travel insurance I have ever seen did require a normal health insurance. That globally medically insurance might be needed on top of the travel insurance.
– Willeke♦
Mar 25 at 11:50
Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/…
– Wandering Chemist
Mar 25 at 15:18
Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/…
– Wandering Chemist
Mar 25 at 15:18
1
1
"The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too.
– Wandering Chemist
Mar 25 at 15:23
"The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too.
– Wandering Chemist
Mar 25 at 15:23
It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you.
– user16259
Mar 25 at 16:22
It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you.
– user16259
Mar 25 at 16:22
add a comment |Â
1 Answer
1
active
oldest
votes
up vote
4
down vote
You can’t use most common short-term travel insurances, even just for a lengthy trip like that they may not cover you even with a normal health insurance. There are providers for long-term travel insurance without a home or for long-term travel though, such as World Nomads. I haven’t used them since I use a Dutch one, but I heard they’re nice. You can easily google some alternatives to them too.
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
add a comment |Â
1 Answer
1
active
oldest
votes
1 Answer
1
active
oldest
votes
active
oldest
votes
active
oldest
votes
up vote
4
down vote
You can’t use most common short-term travel insurances, even just for a lengthy trip like that they may not cover you even with a normal health insurance. There are providers for long-term travel insurance without a home or for long-term travel though, such as World Nomads. I haven’t used them since I use a Dutch one, but I heard they’re nice. You can easily google some alternatives to them too.
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
add a comment |Â
up vote
4
down vote
You can’t use most common short-term travel insurances, even just for a lengthy trip like that they may not cover you even with a normal health insurance. There are providers for long-term travel insurance without a home or for long-term travel though, such as World Nomads. I haven’t used them since I use a Dutch one, but I heard they’re nice. You can easily google some alternatives to them too.
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
add a comment |Â
up vote
4
down vote
up vote
4
down vote
You can’t use most common short-term travel insurances, even just for a lengthy trip like that they may not cover you even with a normal health insurance. There are providers for long-term travel insurance without a home or for long-term travel though, such as World Nomads. I haven’t used them since I use a Dutch one, but I heard they’re nice. You can easily google some alternatives to them too.
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
You can’t use most common short-term travel insurances, even just for a lengthy trip like that they may not cover you even with a normal health insurance. There are providers for long-term travel insurance without a home or for long-term travel though, such as World Nomads. I haven’t used them since I use a Dutch one, but I heard they’re nice. You can easily google some alternatives to them too.
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
edited Mar 26 at 13:40
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
answered Mar 25 at 12:31
Sebastiaan van den Broek
1,742717
1,742717
add a comment |Â
add a comment |Â
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Most or all travel insurance I have ever seen did require a normal health insurance. That globally medically insurance might be needed on top of the travel insurance.
– Willeke♦
Mar 25 at 11:50
Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/…
– Wandering Chemist
Mar 25 at 15:18
1
"The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too.
– Wandering Chemist
Mar 25 at 15:23
It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you.
– user16259
Mar 25 at 16:22