Travel insurance/pre existing condition.

Quentin

FH_Brit wrote: »

I always say they can be the worse thing going - Actually, these "FREE" policies are not worth much - as you cannot declare PEMC's etc, so you think you are covered, and then you find out you cannot claim only after the fact. I have a theory that these "free" policies are actually the bank/financial institution insuring you against you dying/serious injury/illness on holiday or while travelling and THEY are covered for your overdraft and/or balance on your credit card etc., and they just use the little cover as a "bonus feature" of their account.

This was your poor advice.

You can declare PEMC's with these policies, just like any other "off the peg" policy which many people pay for. The Insurer then decides whether to ask for a premium increase or refuse to cover - again no different from other similar policies.

Quentin

FH_Brit wrote: »

I'm not answering anything more that is "off topic". This thread is about travel insurance.

That would seem most commendable until we see who posted this highly on topic piece:

Well done Man Utd for the win y/day - poor olsd Arsenal!

Then it just seems a cop out. Why not have the decency to apologise to all the other "footie" fans you insulted?

FH_Brit

Can - not must! as I stated earlier - my own Lloyds policy was there without my signing for it, and only after I dug into it do you find the exclusions, and yes, before you ask, the Lloyds rep still (Monday) states that I am covered!!!

Quentin

You should know better than to trust the word of any insurance rep/agent/cs agent.

Get it in writing. (As you have now found by reading your policy)

It is naive to think you will be covered for pre existing complaints in a policy intended to pay out if you are ill and cannot travel etc!

FH_Brit

Good Greif, - Here, once and for all - Just for Quentin.

There's on problem here, you cannot express voice tones or facial expressions here. therefore it is very easy for you to "read" something the wrong way.

I work, I don't have time to deal with this pettyness.
Thanks to you I am now quitting this thread and will go back to helping people elswhere.

I suggest you start a thread somewhere that you can be the champion of others and do their complaining for them. you seem to enjoy it and even after being told I was not going to reply you still insist on commenting further. It's sad that you do not use that time to do some good instead of complaining on behalf of "all the other footie fans" obviously you think you are qualified to speak on behalf of "all the footie fans" of which, guess what, I am one!

FH_Brit

Quentin wrote: »

You should know better than to trust the word of any insurance rep/agent/cs agent.

Get it in writing. (As you have now found by reading your policy)

It is naive to think you will be covered for pre existing complaints in a policy intended to pay out if you are ill and cannot travel etc!

Please read earlier - I did know better that's why I checked!
I did get it in writing - a different policy - a suitable one!

My whole point - NOT ME - but people who I take legal action against as part of my job,are the naive one - hence advice here.

What is the point you are trying to make? You seem to be agreeing completely with me.
I do know better the whole point is to help others who do not know better!

Quentin

FH_Brit wrote: »

About as friendly as his "complete nonsense" dig!

Your post was nonsense.

Where do you read in my posts regarding your poor advice:

You seem to be agreeing completely with me.

You post in an authoritative manner, but you are quite wrong to say:

I always say they can be the worse thing going - Actually, these "FREE" policies are not worth much - as you cannot declare PEMC's etc, so you think you are covered, and then you find out you cannot claim only after the fact

As has already been pointed out, the policys clearly state the situation regarding pre existing conditions needing to be declared with the insurers.

Finally, your patronising farewell point is unnecessary:

I do know better the whole point is to help others who do not know better!

We are all warned at the top of each page:

Anyone can post so always exercise caution when acting on info

FH_Brit

I can only tell what I have experience of, if you have not experienced that then all I can say is that you have been lucky. I wonder why, in a "consumer help" environment, that you are backing up the insurerance companies? Could it be you are in the insurance business in some way?

All I can say to the readers of this thread is, if you are unhappy enough to look here for advice, then why would you listen to the same people that have made you unhappy in the first place (insurance companies)?

Of the 26,000 plus accounts I have "on my desk" one of the worse factors that I have most trouble with is "free" policies. Weather or not it is in any paperwork is not in dispute, the fact is that people still do not read what they are letting themselve into.

Policies clearly state everything = people don't read everything - often where they buy insurance someone says "sign here" or "click here to accept" etc and people just sign & click.

And you reference to the "top of page warning" well all I can say is that refers to you also!

I do dispute that you mention that "I am wrong to say" that is my opinion and I am entitled to that. A Mr "J" from Somerset will be placed for legal action today because he did not read his T&C on a free policy and even up to Wednesday STILL did not take my advice & read it now 9 months after the claim was made. Mr "J" has 4 bills here in Florida totalling $35,000.00+ he will find out the hard way because what you say the policy is clear, and he failed to read it!

(off subject slightly) The only problem I have with sites such as these is that everyone misses one very important point. When you travel the world and run up bills you are not held to UK laws, the law of the land you were/are in takes presidence. (Exaggeration I know but) If you commit murder in Florida they do not let you off the death penalty just because you are British and the UK does not have the death penalty. Similar with travel YOU the patient are responsible for your debt NOT your insurers, or anyone else, in EVERY case, no exception whatsoever. So no matter what, in a certain way it totally does not matter if you policy says this, or that, was clear or unclear, you read or did not read your T&C's, it's all irrelevant as you effectively "signed your life away" when you walked into a hospital (or other facility) in the USA.

Before anyone says "I know someone who did not" bear in mind in many cases it is not financially viable for the hospital to pursue you (for say $500.00) when the legal fees will exceed (probably) $5,000.00, they will just write it off and get tax releif on the bad debt.

Quentin

FH_Brit wrote: »

And you reference to the "top of page warning" well all I can say is that refers to you also!

Of course. It applies to all posts.

But you are the one who patronisingly tell us:

I do know better the whole point is to help others who do not know better!

FH_Brit

So, that's your opinion and you are entitled to it - Others obviously do not agree .....

Please note I have been thanked here 113 times in 56 posts, thats more than twice PER POSTING! They obviously don't care how I say it just that the advice or comment does prove to be worthwhile (and before you commnt on that) - not always right but if I don't know I'll advise where to get the correct info.

I am going to end this connversation with you as all you seem to want to do is insult the intelegence of me (and others reading this). I thank you for your thoughts, opinion and contribution, but I wish to end this bickering now.