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Travel Insurance - Experience of JS insurance or globelink?

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1. Posted by Gelli (Travel Guru 2457 posts) 8y

Does anybody have any personal experience claiming from either JS insurance or globelink (or worldwideinsure.com)?

I normally use World Nomads, but for my next trip, their Medical-evacuation coverage is not sufficient (i'm going somewhere waaay off track and inaccessible, and a pre-req is the need for a minimum Medical-repatriation of 1million gbp. World Nomads cover that as a UK resident, but NOT as a Swedish resident, which I am - their coverage is much lower)

Or alternatively, can anybody suggest/recomend 12month travel insurance for a Swedish resident - UK passport - with medical coverage of at least 1million gbp (and ideally extendable online)?

Thanks
Rich

(btw, i will personally hunt down - or arrange for somebody else to hunt down - and then castrate (or worse) anybody who suggests World Nomads, even if it is a joke or one of the site Admins)

[ Edit: Edited on Jul 1, 2008, at 10:47 AM by Gelli ]

2. Posted by Hien (Moderator 3906 posts) 8y

Being a UK citizen, aren't you automatically/legally defined as a resident as well?

Quoting World Nomads

What is my country of residence?
Your country of permanent residence can be defined as the country you would wish to be repatriated to in the event of a medical emergency and where you would be able to then receive long term medical care, if required. You must also be legally defined as a permanent resident (not temporary) of that country and have a residential address that you can refer to within that country. Please be aware, however, that your policy does not cover expenses incurred within your country of permanent residence.

Source: World Nomads FAQs

3. Posted by Sam I Am (Admin 5588 posts) 8y

Hey Rich,

If World Nomads still has the same underwriter, then the residency clause is primarily to establish where you're going to be sent back to. Of course the clause that Hien pasted above kind of cancels it out with the bit about legally being defined as a permanent resident, but I think this is one of those cases where it'd be debatable. I used to have some dealings with their old underwriter and whenever this question came up the answer was usually the repatriation country and nothing else. Have you emailed them about it just to be sure?

Sam
ps. please don't castrate (or worse) me!

4. Posted by Gelli (Travel Guru 2457 posts) 8y
  • SIGH* - Why when you specifically ask people not to say something do they always do it?? Do you not think I wouldn't have already extensively checked out the small print/legalities and confirmed it with them before asking?

Being a UK citizen, aren't you automatically/legally defined as a resident as well?

Of course not. Very few countries in the world have such a system. If you are born in the UK as a citizen, you automatically have residency from birth, but when you get older it basically depends on how long you are where and where you pay tax. As I am now outside of the British system (i vote by mail, pay my taxes elsewhere etc) I am not a British resident, and that is easy for them to check out.

Sam, count yourself lucky you did that after the SF, or I might have been forced to sell your ticket to somebody else. Hein, however, for you there is only one course of action. As I probably won't be in the Uk for a few weeks, I might have to pay somebody else. Hmmmm. Wonder if Greg is still unemployed and looking for a few minutes well paid work?

5. Posted by Purdy (Travel Guru 3546 posts) 8y

Quoting Gelli

Wonder if Greg is still unemployed and looking for a few minutes well paid work?

Rich - lm in London over the weekend - l enjoy causing pain - l would do it for free What ya want me to do

6. Posted by Sam I Am (Admin 5588 posts) 8y

Quoting Gelli

*SIGH* - Why when you specifically ask people not to say something do they always do it?? Do you not think I wouldn't have already extensively checked out the small print/legalities and confirmed it with them before asking?

Well, I didn't know for sure if you'd contacted them Just saying I used to work with their underwriter and in your case home country would normally have been UK. Had a case 1.5 years ago with someone who had been living in the US for 2.5 years insured through us and she needed an operation. The insurance company looked into it and basically said, right, we're going to 'repatriate' you to your country of 'residence', ie. Norway. In the end whatever is cheapest for them I guess

7. Posted by TLWH (Travel Guru 516 posts) 8y

I spent alot of time researching this stuff. As I have been overseas over 4 years and find it a bugger to get insurance. World Nomads are one of only two offering to cover. But as I like my testicles I will stay on topic.

From what I remember from the small print of a lot of these companies (excluding the one we can't mention) is that even with residency you need to be resident full time within that country for 6 months. In other words even with a British passport you need to be in country for 6months. I had that problem when I nearly signed up to a crowd.

There is an American crowd called Patriot America that covers international citizens, never used them and I don't know what their evacuation cover is. They just say

Up to Policy Maximum when coordinated through IMG

whatever that means. Probably listed in terms somewhere

[ Edit: Edited on Jul 4, 2008, at 4:36 AM by outcast ]

8. Posted by GregW (Travel Guru 2635 posts) 8y

Quoting outcast

There is an American crowd called Patriot America that covers international citizens, never used them and I don't know what their evacuation cover is. They just say

Up to Policy Maximum when coordinated through IMG

whatever that means. Probably listed in terms somewhere

IMG is a reference to International Medical Group. Patriot America is most likely just a reseller of IMG policies.

Quoting Gelli

As I probably won't be in the Uk for a few weeks, I might have to pay somebody else. Hmmmm. Wonder if Greg is still unemployed and looking for a few minutes well paid work?

Still unemployed, and willing to do anything for money.

As for the original question, I have no experience with either company.

9. Posted by Gelli (Travel Guru 2457 posts) 8y

Rich - lm in London over the weekend - l enjoy causing pain - l would do it for free What ya want me to do

Sorry, only just seen this. castration seems too simple and easy, and you are a women of vivid imagination, so feel free to concoct an idea yourself. Providing it includes pain, suffering (and, ideally, humiliation) i don't mind what you do

till unemployed, and willing to do anything for money.

Anything??? Do you actually mean that????? In which case, i might let Purdy take care of the original problem, and get Will to contact you. He often has, erm, unusual? unconventional? jobs that need doing and is always on the look out for reliable people who take pride in their work and know how to keep their mouths shut

10. Posted by Purdy (Travel Guru 3546 posts) 8y

Quoting Gelli

Rich - lm in London over the weekend - l enjoy causing pain - l would do it for free What ya want me to do

Sorry, only just seen this. castration seems too simple and easy, and you are a women of vivid imagination, so feel free to concoct an idea yourself. Providing it includes pain, suffering (and, ideally, humiliation) i don't mind what you do

Now you tell me!! Too late! I ran into some strange but marvellous characters dressed in leather and well gimp masks and l could've had such such fun!! Still your problem was ill over the weekend so couldnt meet us - were you out with the voodoo doll??

Who told you about my vivid imagination???

And if you stay of bicycles the chances of you having to be repatriated will drop by about 100%, therefore insurance not as much of a necessity - you know how much damage you can do to yourself on one of those mean machines

DISCLAIMER - I would like to state that this last remark is in jest and adequate travel insurance is a must!

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