I agree with you to a point, in your case it worked out very well.Tramp wrote:I think a alternative approach is required...
Folks experience with their company after a claim, fall etc what they had to pay as excess etc..
When you really need the help is it forth coming..
After last years fall and fractures wrist with 3 nights in french hospital i used my e111 card or whatever its called, bill was around 2000 euro to nhs I paid 120 euro...very cheap for service recieved compared to uk..
Sometimes its better getting put back together in europe than being flown back to blighty..
Also each eurooean country offers different levels of service...its a minefield.
We had a similar case in Italy in 2014, fractured spine and coccyx for my wife, and the insurance paid for the hotel (eventually) the doctors ordered us to stay in for five nights. No flying due to haematoma.
Plus they paid the £300 for the brace. Plus the flights home. (We paid for bike shipping).
The main reason that I think insurance is the way to go is if you get very badly broken, or especially if you're travelling outside of the EU.
I will say, the hospital in Pistoia, Italy, was superb. The staff were amazing, the food.....it was Italy so that was great.
And we weren't asked for any money, just our e111 card to prove that we were covered.