Travel Insurance Cost Cutting Tips For Older Travellers/Pre-existing Conditions

Edj

Just thought I would mention able2travel.com. After a day or so of being told that my conditions would not be covered i have taken out an annual policy with the above company (via C H facilities of poulton-le-fylde). Im cant be sure its the cheapest but its well worth getting a quote from.

Ed

Bobrobin_2

As promised, I'd be back if it panned out! :money:
Well that particular company Didn't (an American one), they don't seem to know the difference between an elbow & a nose, if you know what I mean. :mad:
Would have been nice if it did pan-out, as it was only $96 for both adults & child on an Annual Worldwide (including USA & Canada) policy..
However my advice is; Keep on checking out the leads given in the Forum as one is going to suit somewhere along the line. it's just a case of timing with some of the companies.
In this case :j the insurance cover finally accepted with price and medical conditions covered, at last! Was a renewal with the old insurance Co, Insure and Go
They covered Worldwide inlc USA Canada with Asthma under control & resent heart attack with stents fitted.:cool:
Here's the crunch so to speak;
Let 6 weeks pass by before applying for cover, with No Meds being changed or any Angina problems or chest pains.:money:
Thanks to ALL that assisted on this quest, especially Tomsmum. :A
But not that Insurance expert!:eek: don't get cought out there.

TomsMom

So pleased you got sorted Bobrobin :T .

It can be a pain trying all the different places, we all have different needs and it's nice that people on here are willing to share their experiences. I was so grateful to the person who responded to my original question and suggested Columbus, hundreds less than one stupid quote from a company who renaged on the medical conditions they originally covered and still a couple of hundred less than plenty of others. Columbus worked for us, sadly not for you but so glad that Insure and Go have come up trumps for you.

Allen_Dale

I've just been through this particular "mill". I want to go to Canada for a month next year and will be 74 then.
SAGA wanted £315, but my travel agent had an apparent good deal through their contact, but I had to make an 0870 phone call about my "medical condition."
They wanted to know what prescription pills and why? "Don't know" was not good enough; I HAD to give a Yes/No answer so I asked my GP. He agreed with me that he was unable to give a Yes/No answer to the specific question either, but he considered I was as fit as anyone else of my age.
I tried my EGG credit card, who deal with AXA Insurance, and they give a 10% discount if you charge it to their credit card, so I've got mine for £91. Maybe I might have been lucky if I'd shopped around, but it seems a hell of a saving compared with SAGA and, at my age, beggars can't be choosers. They don't really want our business!

Bobrobin_2

My answers in quote

Allen_Dale wrote: »

0870 phone call about my "medical condition."
:money:Use www.saynoto0870.com to find alternate Landline number. Next time!

They wanted to know what prescription pills and why?
What rubbish we have to go through!

I tried my EGG credit card, who deal with AXA Insurance, and they give a 10% discount if you charge it to their credit card, so I've got mine for £91.
They're all FULL of that trick! :mad:
Hope they cover all that's needed should it be needed.

Maybe I might have been lucky if I'd shopped around, but it seems a hell of a saving compared with SAGA and, at my age, beggars can't be choosers. They don't really want our business!

SAGA DON'T do any favours for the over 50's Ripp-off. :eek:

clairus99

screwfox wrote: »

try

http://www.acetravelinsurance.com

they too only cover uptp age 64, but for pre-existing medical conditions they have a simple disclaimer. Thdey seem great

no.....

understand that anybody travelling on a trip will NOT be covered if

• receiving or on a waiting list for treatment at a hospital or nursing home.

this counts me out!

so far my cheapest cover has been with columbus.....

me = 39 with high blood pressure and awaiting gall bladder removal in january, after my trip. non-smoker.

other half = seems to be healthy!

going to the usa for 3 weeks, they quoted £96 for single trip or £110 annual (that's for both of us). best ive found so far...

jaymac_2

What about the new Alliance and Leicester bank account? If you are over 50 it costs £10 a month but gives worldwide insurance for up to age 79 and 8% interest on first £2500 Also £750 for medical consultations. http://www.alliance-leicester.co.uk/currentaccounts/index.asp?page=home&ct=primarymenu

Jake'sGran

jaymac wrote: »

What about the new Alliance and Leicester bank account? If you are over 50 it costs £10 a month but gives worldwide insurance for up to age 79 and 8% interest on first £2500 Also £750 for medical consultations. http://www.alliance-leicester.co.uk/currentaccounts/index.asp?page=home&ct=primarymenu

This is useless for people with pre-existing medical conditions. If you read the small print I think you will find that the travel insurance is useful only for people who are well. For £120 per year you couild get an annual policy with someone like Help the Aged. Three years ago I had such a policy for around £120 and it covered all my medical problems (heart etc). The following year they sent a renewal notice but as I did not want to travel until six months later I did not take them up on it. Then, when I did want to have a new policy, my health problems were no longer covered. Also, there are better accounts paying interest of around 6.25% but for all the time you have the account. A & L always seem to bringing out new accounts but they are never as good as they seem.

jaymac_2

MY OH and i both have pre existing conditions - admittedly not too serious - but enough for Direct Travel to charge us double their normal premium but as we can answer the simple questions asked by A&L we can have their free insurance without penalty so I wouldn't claim it's "useless" for people with pre-existing conditions. Sure, if I'd had a heart transplant they wouldn't want to know but if I was over 70 and healthy I think it would be a good deal. They also offer two hospital consultant appointments , including tests to the value of £750 per person per year...a decent perk I think for people without private health insurance.

TommyThomas

Try Makesure Insurance on Tel. 0870-156-6679. They offer Travel Insurance for persons up to aged 99 inclusive, and they can cover persons with a pre-existing Medical condition (including Cancer, Heart conditions etc). Hope this is of help to someone.