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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 9
    • steveandlou
    • By steveandlou 25th Aug 17, 8:19 AM
    • 8 Posts
    • 2 Thanks
    steveandlou
    So here's the final result for our Staysure saga - I'd asked for a callback as I wanted to express my dissatisfaction an the conflicting information I'd been given. A "customer experience representative" rang, and after having gone through all the details again, she went away to consult with the medical team (would it have been a good idea to do this beforehand?). And, the decision was that as my husband has no symptoms, no diagnosed condition and hasn't been referred for further tests, they feel he is simply going to have a blood test and yes, all the pre existing conditions have been put back on the policy! Best bit was that they had refunded £18.72 after removing the PMCs from the policy, and then wanted about £19,90 to put them back on as this included a charge for using a credit card. I think that my silence after hearing this prompted a quick rethink and the charge was immediately waived.... Don't get me wrong, the people at Staysure were fine, pleasant etc but as a customer, trying to do what I thought was right, has led to a very stressful and confusing few days. The terminolgy used by the insurer could sometimes be difficult to interpret, and I did sometimes feel that if what I said didn't fit the script in front of the staff, it was ignored. Tardis4 - obviously it's up to you as to what you choose to do, but if you say the charge for PMCs was refunded to you I would be very concerned that these were no longer covered!
    • Tardis4
    • By Tardis4 26th Aug 17, 2:36 PM
    • 17 Posts
    • 111 Thanks
    Tardis4
    Yikes, what a nightmare. At least you've got it sorted out now!
    I'm going by what I've got in writing for pre-existing - so bizarre though.
    These insurance companies just don't inspire confidence!!
    • Jed Exodus
    • By Jed Exodus 18th Sep 17, 5:11 PM
    • 93 Posts
    • 25 Thanks
    Jed Exodus
    Hi. Just looking for some advice regarding travel insurance. I am travelling to Spain in just over 3 weeks. I already have pre existing conditions and have taken out insurance declaring these. I also have annual worldwide travel insurance with Nationwide which I choose not to use as it's extortionate to get them to cover pre existing conditions.

    Thing is I went to the doctors 3 weeks ago and am awaiting an mri scan. I took out the insurance policy in June. I'm told by the doctor today that it could take 6 weeks to get my scan so probably won't have had it or have the results by the time I travel.

    Just want to know where I stand, if I contact them are they likely to ask me for more money seeing as I don't have a diagnosis and didn't have this condition when I took out the policy?
    • Ganga
    • By Ganga 18th Sep 17, 6:35 PM
    • 875 Posts
    • 431 Thanks
    Ganga
    Hi. Just looking for some advice regarding travel insurance. I am travelling to Spain in just over 3 weeks. I already have pre existing conditions and have taken out insurance declaring these. I also have annual worldwide travel insurance with Nationwide which I choose not to use as it's extortionate to get them to cover pre existing conditions.

    Thing is I went to the doctors 3 weeks ago and am awaiting an mri scan. I took out the insurance policy in June. I'm told by the doctor today that it could take 6 weeks to get my scan so probably won't have had it or have the results by the time I travel.

    Just want to know where I stand, if I contact them are they likely to ask me for more money seeing as I don't have a diagnosis and didn't have this condition when I took out the policy?
    Originally posted by Jed Exodus
    You will have to tell them,if anything happens and they find out about the pending scan you will not be covered.
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
    • Jed Exodus
    • By Jed Exodus 19th Sep 17, 3:51 PM
    • 93 Posts
    • 25 Thanks
    Jed Exodus
    Thanks Ganga. I spoke to them today and they have told me that because I don't have any results of the tests I won't be covered if I need any treatment that is related to the condition. The condition is Tinnitus in one ear. It hasn't interfered with my day to day life in any way.

    I have a couple of other conditions as I said that I always declare. They also don't impede with my life in any way but I always worry that if I need treatment they will use these as a way out of paying by saying it could be linked, which is obviously bothering me now with this.

    So I'm in a bit of a spot now, wondering what to do for the best. I obviously have my EHIC, could I ask that in case of emergency that I'm taken to a public hospital and not private? Or could I ask to be taken off our Policy and insure myself elsewhere? Would anyone have any recommendations of where I could get covered?
    • Ganga
    • By Ganga 19th Sep 17, 4:32 PM
    • 875 Posts
    • 431 Thanks
    Ganga
    Thanks Ganga. I spoke to them today and they have told me that because I don't have any results of the tests I won't be covered if I need any treatment that is related to the condition. The condition is Tinnitus in one ear. It hasn't interfered with my day to day life in any way.

    I have a couple of other conditions as I said that I always declare. They also don't impede with my life in any way but I always worry that if I need treatment they will use these as a way out of paying by saying it could be linked, which is obviously bothering me now with this.

    So I'm in a bit of a spot now, wondering what to do for the best. I obviously have my EHIC, could I ask that in case of emergency that I'm taken to a public hospital and not private? Or could I ask to be taken off our Policy and insure myself elsewhere? Would anyone have any recommendations of where I could get covered?
    Originally posted by Jed Exodus
    If you have declared all your other pre-existing conditions you are fully covered exept for tinnitus,as that is unlikely to cause you any problembs whilst on holiday (i mean any problembs that would need you to contact your insurer ) you should go and enjoy yourself.
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
    • Jed Exodus
    • By Jed Exodus 19th Sep 17, 5:07 PM
    • 93 Posts
    • 25 Thanks
    Jed Exodus
    Thanks again for your comment. I just spoke to Nationwide who have said that as this condition came up after I booked the holiday, they will cover it on the Flex Plus travel insurance. As you say probably won't need to worry but I hate giving insurance companies any wriggle room.
    • Ganga
    • By Ganga 19th Sep 17, 6:47 PM
    • 875 Posts
    • 431 Thanks
    Ganga
    Thanks again for your comment. I just spoke to Nationwide who have said that as this condition came up after I booked the holiday, they will cover it on the Flex Plus travel insurance. As you say probably won't need to worry but I hate giving insurance companies any wriggle room.
    Originally posted by Jed Exodus
    Also as you have allready stated you will have your EHIC card with you and i beleive the health care you would receive in Spain is as good as the UK.
    Enjoy your holiday
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
    • Trishab
    • By Trishab 20th Sep 17, 7:16 PM
    • 2 Posts
    • 0 Thanks
    Trishab
    Have had annual worldwide policy with Insure and Go for many yrs now. A couple of years ago my partner had a coronary stent inserted and treatment for prostate cancer. This was declared and Insure and Go covered us for everything except these condiions. Same happened last year when we renwed. This year they have decided to cover him for these conditions (which caused no problems after the initial treatment) but want to charge nearly £400 extra for the policy! When I asked them to quote price without this cover they refused saying as the conditions had been declared they had to cover them! This despite the fact that for the last 2 years they were quite happy to be aware but not to c over them! So much for loyalty....any ideas where I can get cover for 2 70yr olds - the other with high BP controlled by meds - who are off to the Emirates in Novmber?
    • Jed Exodus
    • By Jed Exodus 21st Sep 17, 4:56 PM
    • 93 Posts
    • 25 Thanks
    Jed Exodus
    I go Money Supermarket to get single trip travel insurance. You can put in the conditions you have then it finds the best quote.
    • koru
    • By koru 22nd Sep 17, 10:47 AM
    • 1,282 Posts
    • 649 Thanks
    koru
    I go Money Supermarket to get single trip travel insurance. You can put in the conditions you have then it finds the best quote.
    Originally posted by Jed Exodus
    They don't seem to cover a lot of the market. I have tried several specialist cancer insurers and they all asked about a dozen questions for screening. Not one of these companies is included when I get a quote with Money Supermarket. Their online screening asked only 4 questions in relation to a specific form of cancer, two of which were irrelevant for that type of cancer. I don't see how they can have enough information to know that an insurer will cover the condition.

    The cheapest quote it gave (for a single person, 7 days in Italy) was £80, which is about four times higher than the cheapest cover I can get with other specialists. Perhaps this is because MS is only giving quotes from a handful of insurers who use the same restricted medical screening. Others who bother to find out more are able to assess that the risk is low, so they quote a lower premium.

    Maybe MS's approach works better for more routine conditions.
    Last edited by koru; 22-09-2017 at 10:59 AM.
    koru
    • Ganga
    • By Ganga 22nd Sep 17, 11:33 AM
    • 875 Posts
    • 431 Thanks
    Ganga
    They don't seem to cover a lot of the market. I have tried several specialist cancer insurers and they all asked about a dozen questions for screening. Not one of these companies is included when I get a quote with Money Supermarket. Their online screening asked only 4 questions in relation to a specific form of cancer, two of which were irrelevant for that type of cancer. I don't see how they can have enough information to know that an insurer will cover the condition.

    The cheapest quote it gave (for a single person, 7 days in Italy) was £80, which is about four times higher than the cheapest cover I can get with other specialists. Perhaps this is because MS is only giving quotes from a handful of insurers who use the same restricted medical screening. Others who bother to find out more are able to assess that the risk is low, so they quote a lower premium.

    Maybe MS's approach works better for more routine conditions.
    Originally posted by koru
    I think i states that they do not cover the whole market,i know from experiance that it is a chore searching the whole of the web looking for a good but cost effective insurer.
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
    • hirsties
    • By hirsties 9th Oct 17, 11:04 AM
    • 4 Posts
    • 0 Thanks
    hirsties
    Cruise travel insurance with exisiting conditions for 2019
    Hi


    Not sure if I'm posting this in the correct forum, or even the correct way!


    We have existing medical conditions - my husband has mild asthma and I have limited mobility due to osteoarthritis. I have had two replacement knees and various other joint operations.


    We've managed to get travel insurance before but have just booked a cruise for two years' time - October 2019.


    Most sites will only let you book up to one year in advance.


    Is there any insurer who will sell us a policy for this cruise? I'm concerned that if we have to cancel then we'll have no cover.


    Thanks for your help.
    • koru
    • By koru 9th Oct 17, 4:48 PM
    • 1,282 Posts
    • 649 Thanks
    koru
    Is there any insurer who will sell us a policy for this cruise? I'm concerned that if we have to cancel then we'll have no cover.
    Originally posted by hirsties
    Have you paid much of a non-refundable deposit yet? I wouldn't have thought you would need to pay much, more than 12 months in advance. If so, then perhaps worth taking the risk.

    If you do have a big deposit at risk, you could buy annual cover, which would pay out if you have to cancel during the year of cover, even if the trip doesn't start til after the cover ends. (You would need to buy another policy at that point.)

    Or try an insurance broker, who might know of a firm that does cover more than 12m in advance.
    koru
    • mim-c27
    • By mim-c27 1st Nov 17, 7:13 PM
    • 2 Posts
    • 0 Thanks
    mim-c27
    Getting stressed!
    Struggling to get travel insurance for my husbands pre existing conditions. Last year got a multi trip policy from Global Travel which ignored conditions, just charged a large excess if we claimed, which we didnt have to. Just tried to renew, but for some reason they don`t do that for Spain. Anyone heard about that before? The cheapest other poicy I`ve found is over £800. Most companies suggested here won`t even cover him. Don`t know what has changed, only difference from last year is that he had pneumonia in January. Any ideas anyone?
    • jimbo49
    • By jimbo49 2nd Nov 17, 2:05 PM
    • 59 Posts
    • 14 Thanks
    jimbo49
    Pre-existing Travel Insurance Guide Discussion
    i had exactly the same problem. i had insurance, declared pre-existing conditions, had never had pneumonia before, but contracted it in New York last Xmas. was in hospital there for 3 weeks, airlifted back and hospitalised in UK.insurance paid the bill, thank goodness, as it was astronomical! and i'm afraid i cannot recommend US doctors, hospitals or treatments, certainly not what i experienced.
    anyway, the insurance company wanted to re-run the questionnaire but because the claim was on-going, couldn't. when it came to renewal, although the premium had risen, it wasn't by a ridiculous amount but the pre-existing conditions were ot covered anymore, even though i hadn't claimed for any of them and my trips were limited to 1 per year plus worldwide cover was diminished to exclude USA, Canada etc, the ones i visit the most.
    what i found so annoying was that ALL pre-existing conditions were no longer covered even though no claim was made for them, that i had never had pneumonia before, went to countries that are classed as good as far as cleanliness etc are concerned as well as medical facilities and being reasonably disease free, unlike a lot of 3rd world classed areas meaning i couldn't go to the ones i wanted to so as to visit relations anymore unless i ran the risk of not getting ill or paying all bills myself if i did. and something that was really bad as far as my thinking was concerned was that one of the reasons given for my 'restrictions' was that i had made a claim that cost thousands to settle. the idea of insurance is to cover that eventuality, isn't it? i would much rather not have been ill and them not pay out. i certainly didn't get sick on purpose.
    if you've tried to get insurance elsewhere, you must have found how you are penalised greatly now. i had quotes up to £2000 for a single trip and as you say, the companies listed on the MSE site are far from being helpful and definitely not cheap!
    • Katiehound
    • By Katiehound 2nd Nov 17, 3:15 PM
    • 3,910 Posts
    • 38,019 Thanks
    Katiehound
    Struggling to get travel insurance for my husbands pre existing conditions. Last year got a multi trip policy from Global Travel which ignored conditions, just charged a large excess if we claimed, which we didnt have to. Just tried to renew, but for some reason they don`t do that for Spain. Anyone heard about that before? The cheapest other poicy I`ve found is over £800. Most companies suggested here won`t even cover him. Don`t know what has changed, only difference from last year is that he had pneumonia in January. Any ideas anyone?
    Originally posted by mim-c27
    Worth contacting Explorer Insurance- they may be able to help. I would phone rather than look online- yuo can easily get a quote online but it might be more helpful for someone to tell you the possibilities
    0345 373 0253
    Being polite and pleasant doesn't cost anything!

    If you found my posting helpful please hit the "Thanks" button!
    Thank You
    • Katiehound
    • By Katiehound 2nd Nov 17, 3:19 PM
    • 3,910 Posts
    • 38,019 Thanks
    Katiehound
    Hi


    Not sure if I'm posting this in the correct forum, or even the correct way!


    We have existing medical conditions - my husband has mild asthma and I have limited mobility due to osteoarthritis. I have had two replacement knees and various other joint operations.


    We've managed to get travel insurance before but have just booked a cruise for two years' time - October 2019.


    Most sites will only let you book up to one year in advance.


    Is there any insurer who will sell us a policy for this cruise? I'm concerned that if we have to cancel then we'll have no cover.


    Thanks for your help.
    Originally posted by hirsties
    I think all insurers will only deal with one year at a time so as said before you might have to buy annual insurance for this year ... and next. Again I would suggest you try Explorer Insurance- tel number quoted in post above. They do cover certain medical conditions and also have cruise cover.
    I have used them for a couple of years and their premiums have compared very well with others (and no, I'm not getting commission, sadly!!)
    Being polite and pleasant doesn't cost anything!

    If you found my posting helpful please hit the "Thanks" button!
    Thank You
    • EssexExile
    • By EssexExile 2nd Nov 17, 3:52 PM
    • 2,491 Posts
    • 1,670 Thanks
    EssexExile
    Try a broker, let them do the hard work.
    Tall, dark & handsome. Well two out of three ain't bad.
    • jmsprint
    • By jmsprint 3rd Nov 17, 1:52 PM
    • 1 Posts
    • 0 Thanks
    jmsprint
    I got a quote from free spirit of £832 then called and got another from Explorer for £230 including the pre-existing or £90 excluding the PE.
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