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  • FIRST POST
    • Former MSE Rebecca
    • By Former MSE Rebecca 15th Apr 15, 3:47 PM
    • 113Posts
    • 96Thanks
    Former MSE Rebecca
    0 WOW
    Pre-existing Travel Insurance Guide Discussion
    • #1
    • 15th Apr 15, 3:47 PM
    0 WOW
    Pre-existing Travel Insurance Guide Discussion 15th Apr 15 at 3:47 PM


    Hi,

    We've written a new pre-existing travel insurance guide for the website and we'd love your feedback.

    How did you find the info? Was it useful? Do you have any other tips you would add?

    Thanks for your help,

    MSE Rebecca
Page 8
    • TwitTwoo
    • By TwitTwoo 8th Jul 17, 8:43 PM
    • 2 Posts
    • 3 Thanks
    TwitTwoo
    Terminology Minefield
    I had cancer treatment 6yrs ago. One of my meds had a tendency to weaken the heart muscles so regular ECG's were required. My baseline ECG revealed a leaky valve (mitral regurgitation) which apparently 70% of population have to some degree AND which I may have had since birth! No symptoms or issues.
    All other ECG's during treatment showed no detrimental affect on the heart but, as the leak was found, I have had annual 'valve surveillance' scans. Still no issues.
    I have always declared history of cancer only - as I didn't perceive the medical criteria on electronic searches to be relevant to me . . . I haven't had treatment - just surveillance
    I rang LV to see if I could renew our lapsed policy but the operator's questions led me to mention the scans - for which a WW Annual renewal would hike from £132 to £890
    Obviously, I'm still of the opinion that I'm not receiving 'treatment' but that could fall into abyss of insurance terminology.
    I'd be grateful to hear your opinion on my reasoning or, if anyone else has come up against confusing terminology.
    • TwitTwoo
    • By TwitTwoo 9th Jul 17, 11:15 AM
    • 2 Posts
    • 3 Thanks
    TwitTwoo
    Good News Update
    For anyone who may find this post - I followed some advice on previous posts regarding insurance companies but, I also did an online quote with 'Compare the Market'.
    I declared everything -none of which need treatment (only check ups) and there were a few good quotes.
    I rang 'Just Travel' who came out the best at £113.89 for single trip for a couple but after speaking to the advisor, the actual quote went down to £83.78
    Worth a look in my opinion
    • koru
    • By koru 9th Jul 17, 12:35 PM
    • 1,240 Posts
    • 625 Thanks
    koru
    ...My baseline ECG revealed a leaky valve (mitral regurgitation)
    ... I have had annual 'valve surveillance' scans.
    ...I haven't had treatment - just surveillance
    ... I'd be grateful to hear your opinion on my reasoning or, if anyone else has come up against confusing terminology.
    Originally posted by TwitTwoo
    I agree it is a stretch to say that investigations are treatment, but if they see it differently, there's not much you can do. In any case, the policy says:
    "We define the following as pre-existing medical conditions:

    If at any point in your life, you have suffered from:
    a heart condition
    a breathing condition such as asthma
    a circulatory condition such as strokes, high blood pressure, high cholesterol or diabetes
    a gastrointestinal or digestive tract problem a bone or joint condition
    any form or type of cancer
    If in the last 12 months you have had, or been recommended to have, any:
    − medical investigation or tests for any conditions or symptoms that relate to a diagnosed condition
    − treatment or surgery for any conditions or symptoms that relate to a diagnosed condition
    − prescribed medication for any conditions or symptoms that relate to a diagnosed condition"
    I imagine they would say you have a PMC because your valve thing is a heart condition and because in the last 12 months you have had medical investigation or tests.
    koru
    • Tardis4
    • By Tardis4 17th Jul 17, 1:27 PM
    • 9 Posts
    • 54 Thanks
    Tardis4
    I got a quote from LV but was unhappily surprised to have a previous Pulmonary Embolism (years ago, no further treatment) not covered by the policy. Has anyone else had this experience? In my opinion, the policy isn't worth the paper it is written on if it doesn't cover anything pertaining to an embolism - as air travel increases the risk of all blood clots!
    • midian
    • By midian 19th Jul 17, 6:28 PM
    • 90 Posts
    • 148 Thanks
    midian
    What I noticed on the comparison websites is that Saga came top for me each time (I am 51). When I checked with Saga website directly they were significantly cheaper than the comparison websites. For example, I just got back from Egypt - Saga was £400, comparison websites were £600 - that's a huge mark up. So now I use the comparision websites but then go direct to the preferred provider.

    Also Saga allowed me to add the two 17 year olds travelling with me onto my policy for an extra £25 each. this way if any of us fell ill and needed to return it would be uncomplicated as it went through one insurer.

    I don't think I will ever be able to afford the States again.
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