In France, for example, you must pay 21 25 (17 20) to see a GP

do I really need it

replica handbags online It came from a reader called Edward (he asked me not to mention his surname) and here, slightly edited, is what he said: “I am in my mid sixties, and have been travelling regularly since my late teens. high end replica bags At present I live in China, and take about 60 to 70 flights replica designer bags a year, both inside the country and abroad including to some dodgy places. I have never once paid for travel insurance. Obviously many of my journeys were made before I (or almost anybody) had a credit card, which made things a little bit harder (imagine having plenty of the wrong currency, and no banks open). And with no mobile phone. In spite of these problems, insurance has always seemed to me a waste of money. replica handbags online

Wholesale Replica Bags “Naturally I’ve had mishaps and dozens of cancelled flights. Among the worst incidences: 1968 stuck in Amman in transit when a war broke out and all flights were cancelled. I treated it as an unexpected opportunity to visit the city. 1972 Rome. All documents and money stolen. I was replica bags online repatriated by the British best replica bags Embassy, by train, using a temporary document (one sheet of paper) I had to pay back the fare on buy replica bags online arrival, and received nothing else, surviving until designer replica luggage Dover on fellow passengers’ snacks. 1974 south eastern Algeria. Imprisoned for a week (for staying in a hotel with a woman to whom I wasn’t married). That was pretty bad, bag replica high quality but I was eventually released after my girlfriend travelled to Algiers. 1978 in Kabul when the Soviet army invaded. A bit hairy. 1979 drove from Tehran to Italy, through the border at Trieste alone in the car and without insurance on the car or best replica designer bags myself (at the end of the revolution, so it wasn’t really possible). Wholesale Replica Bags

Fake Handbags “I think that’s enough to make the point. I’ve always put these incidents down to experience, and dined off some of them for years. Never once have I been tempted to pay for insurance. high quality designer replica Indeed, it is my firm conviction that in the end I’ve lost far less cash than I would have paid for policies. Moreover, many people I know have been ripped off by insurance companies that refuse to pay or find ways of paying less than the customer expected. Do you sincerely believe that travel insurance would have been worth it for me in the past, or will be in replica wallets the future?” Fake Handbags

Replica Bags He later emailed me back with a further reflection: “If you have a heart attack before you’re 40, you’re get redirected here stuffed anyway; after 40 it’s not worth going to California.” Obviously Edward’s https://www.fakehandbagshome.com approach is not for everyone. He 7a replica bags wholesale is clearly a highly experienced traveller, he apparently enjoys taking risks, and phrases like “what if” don’t play on his mind. But he did make me think again about the whole question of travelling without insurance. Replica Bags

wholesale replica designer handbags After all, very few of us would bother to insure ourselves if we were spending a couple of days in London, so why do we rush out and buy cover when we jump on to a train to Paris replica bags buy online for a weekend break? We are just as likely to get mugged, or have things stolen, in London as Paris. As long as we have an EHIC (see below), we are entitled to emergency medical treatment high quality replica bags in cheap designer bags replica France. If our train is cancelled, we might have to pay for another night in a hotel; if we had to return early we might have to buy a new ticket but such replica bags scenarios apply both to London and to Paris. wholesale replica designer handbags

replica Purse For most people, too, in the very best replica designer unlikely event that things do go wrong, the costs of having to high replica bags get yourself home, or even of losing your holiday altogether because you are forced to cancel, might be painful and annoying, but they are not likely to be financially disastrous. And it is important to remember Edward’s point that even if you have insurance, you can never be sure it will pay out when you need it. Very few cover money lost through financial failures and all policies are littered with exclusions and limits, including one that best replica bags online invariably excludes cover if you have consumed alcohol not an unknown phenomenon among holidaymakers and travellers. replica Purse

Designer Fake Bags However, for all the limitations on travel insurance cover, where Edward’s argument falls down in my eyes is on the question of medical cover. It quotes 35 45,000 for air ambulance to return to the UK from the US east coast, 12 16,000 for an air ambulance from the Canary Islands, and 15 20,000 for a scheduled flight, stretcher aaa replica bags and doctor escort from Australia. The chances of having to use these services are minuscule, but the costs are so substantial that they would be a significant issue for most of us and not one we would like to have to deal with in such circumstances. Designer Fake Bags

Replica Bags Wholesale Of course, the FCO wants us all to be properly insured it makes life easier for them. But, on balance, while luxury replica bags Edward’s approach sounds temptingly refreshing, he is leaving himself open to some potentially very expensive risks. Replica Bags Wholesale

purse replica handbags What he might consider when buying insurance, however, is buying a cheaper, more basic policy one that covers medical treatment, cancellation costs and personal liability, for example but not less crucial events, such as lost luggage or airport delays. Many insurers offer cheaper premiums for such policies replica designer backpacks and they are a good option for less risk averse travellers replica bags china such as Edward. That treatment may not be entirely free. In France, for example, you must pay 21 25 (17 20) to see a GP or a specialist, you may have to pay for any prescribed replica designer bags wholesale drugs and, while emergency treatment in hospital is normally free, ambulances are not. Also, in some countries you may be taken automatically to a private clinic for treatment. This would not be covered by the EHIC, nor would medical replica bags from china repatriation. Note that an EHIC must be renewed good quality replica bags every five years purse replica handbags.