travel insurance

hot-ice

Im off to the USA in October and i have decided to read the small print on the policy i was thinking of getting for the first time ever (i have never done this before,always booked up the cheapest i could find) In the policy it mentions pre-existing medical conditions, as i suffer from mild asthma does this count? Before whenever i have booked insurance via a person i have never been asked if i suffer from asthma or any other condition

doelani

It will mean that if you need to cancel etc because of your ashma the insurance may not pay out. Some policies will cover pre-exisiting as long as they know about it. Not worth not informing them.

I had the need to cancel a holiday 3 years ago because of something i had but had been controled with medication for 10 years . I had not declared this, did not think I needed to as had not been a problem and had been controled but insuracne refused to pay out after my doctor filled in medical for to sonfirm I needed to cancel. I lost my deposit because I had not informed them, like you I always just took cheapest insurance I could afford, not any more.

you are better to find a travel insurance that will cover your condition just in case and pay the bit extra.

Davidpeter_2

Please Tell detail information about travel insurance, is it possible for after 50years peoson

Quentin

hot-ice wrote: »

whenever i have booked insurance via a person i have never been asked if i suffer from asthma or any other condition

When you take out travel insurance you are asked to declare you have never suffered from certain conditions. This includes breathing problems.

As you would be unable to give that declaration you will need to first contact the insurer to tell them and see if they are prepared to offer you a policy at all or with conditions.

Unless you are loaded don't consider going to usa with no health insurance policy!

Porker

people get caught on this by accident for conditions that they have had for a long time with essentially no problems. High blood pressure is a typical one: person is diagnosed with high blood pressure, gets medication, blood pressure drops to normal, therefore not got high blood pressure anymore because it's controlled - but this is still a medical condition as far as the insurance company is concerned because youre getting treatment for something. Not declaring, particually in the US, could be monstrously expensive...

curranhung

It's all very well trying to find the cheapest travel insurance but what if something goes wrong? Do they pay up if you claim? If you need to be flown home on a stretcher, do they organise that for you? We had a family annual travel insurance with Barclays when my husband broke his leg in Lisbon. They were excellent in arranging his repatriation. A nurse flew out to organise everything, so I had no extra hassles. Unfortunately, Barclays premiums are now very expensive for family annual travel insurance and less good value as our two daughters have left home. Nevertheless, the principle still holds that cheapest isn't necessarily good.