Holiday insurance - pre existing

downshifted

Hi

We have just booked a great holiday in Sri Lanka next month. We are looking for annual insurance as we plan other holidays this year.

I have high blood pressure well controlled by one tablet and my husband has an underactive thyroid. We are otherwise fit and well.

However, in recent standard blood tests (we moved surgeries) they found I have impaired glucose tolerance. This can lead to diabetes in due course. I am not diabetic now and I receive no treatment. They will check my fasting glucose annually, to catch it if it develops.

There seems to be no provision for me to declare this on the internet sites - eg we have a quote from SAGA for £114 that covers the two pre existing conditions, but the only additional condition I could declare related to my issue is "diabetes mellitus" which I don't have.

Any advice? Do I have to wait til I can speak to them to clear this up? I know how insurance companies like to have an excuse not to pay up so want to make sure I have declared everything necessary

Many thanks

huckster

Hi

If you have any concerns about any medical conditions, you should always phone Travel Insurers to provide further information. They will run through medical questionnaires regarding each condition and score them. If they can provide cover they will confirm this, as well as confirm whether any additional premium is due. If they cannot cover, they will obviously also confirm this.

One company that specialises in providing cover for people with medical conditions is a company called medici travel.

zzzLazyDaisy

I have a number of pre-existing conditions - including diabetes. They are all covered under my annual insurance with lloyds tsb, which cost about £60.

You don't have to be an account holder, as they also have a retail insurance section. You do have to phone them and declare the conditions, so getting the insurance over the internet is not an option, but it is very quick as they have a long list of accepted conditions (including crohn's disease which is potentially life threatening, if not well managed).

Hope this helps

Daisy

FH_Brit

Try Fortis insurance with the p[ost office, they are great with pre-existing and as I deal with most travel insurers (I work for a major Orlando Hospital) they have one of the best claims services ever!

http://www.postoffice.co.uk/portal/po/jump1?catId=62900708&mediaId=63300708

zzzLazyDaisy - Oh Dear! ! ! at any time I have about 25,000 claims "on my desk" from all over the world - Lloyds TSB are underwritten by AXA and they may seem ok to you but wait till you have to make a claim.

I can say that AXA are the cause of many of our patients having to pay themselves or go to the ombudsman to "make" AXA pay up.

dacouch

FH Brit, you must have a massive desk...

The weather in London is "Brrrrrr" today and is going to get colder over the weekend, whats the weather in Florida like today?

zzzLazyDaisy

FH_Brit wrote: »

T

zzzLazyDaisy - Oh Dear! ! ! at any time I have about 25,000 claims "on my desk" from all over the world - Lloyds TSB are underwritten by AXA and they may seem ok to you but wait till you have to make a claim..

Oh dear! Thanks for the heads up - you are right I have never had to make a claim. As it happens my current insurance expires in January, and I am travelling in February, so I'll certainly look at this again!

Tippytoes

FHBrit is right about AXA. I was taken ill whilst on holiday. I'm not sure what was worse - the illness that hospitalised me, or dealing with the insurers and their claims company. I suspect a lot of insurance companies are the same when it comes to paying out, but my experience is one I would not wish on anyone. Next time, I'll be taking FHBrit's recommendations.