Holiday Insurance with a Diabetic!

Kirsty262

Not sure if I have posted this in the right place!

I am looking for holiday insurance for myself, my mum and my daughter (aged 71, 39 and 13)

My mum is a diabetic (no insulin, controlled by diet and under control)

I am trying to find some holiday insurance for us (not too costly) for November

I am having a nightmare trying to find anything due to Mums diabetes

Has anyone else had this problem and who did you get insurance with

TIA x

jetski690

Hi, my wife is diabetic type 1 and for the last few years we have used http://www.atlasdirect.net/main.asp You choose your cover online to your requirement and then have to phone a number and they will load the premium normally around a tenner and add that condition to the policy, it's the best I've found so far.

ellieo

try lloyds tsb
we got a good deal with them

Incapuppy

Please bear in mind that your Mum's diabetes will also need* to be declared and accepted by the insurers for you and your daughter.

*assuming that you would cancel/curtail holiday plans in the event of your Mum being taken poorly with a condition that could be related to her diabetes.

david39

I'm no expert in this, so I don't know whether this may be an option.

Have you explored the possibility of splitting the insurance, so that your mother has one policy just for her, and the rest of the party have a separate policy, possibly with another insurer? A cost saving by going with a low-cost insurer for you two might offset the extra loading being charged on another policy for your mother

Also, I am a pensioner with diabetes, and have my travel insurance through LloydsTSB via my bank current account. I have declared my condition. The bank account carries a £12 per month premium but covers multi-trip insurance, car breakdown insurance, mobile phone insurance, free £100 overdraft, Sentinel card protection etc. The £12 per month is worth it just for the travel insurance, without the other extras.

LloydsTSB are not the only bank to offer these "added bonus" accounts - it might be worth checking around.

FH_Brit

Kirsty - Just to add my bit for what it's worth!

As you say You, mum, and daughter, then I assume no partner - Get your policy to cover you and your daughter only, then allow mum to arrange (you can help) her OWN policy. I have seen many of our patients fall foul when insuring "non-imediate" family or friends.

You cannot be 100% sure of another persons past medical history (no matter how close a relative or how well [you think] that you know them). Any possibly "private" condition that you do not know about could effectively void everyone's policy in the event of a claim.

Bank "premium" account extra insurance are (in my opinion) one of the biggest cons. Travel insurance that is included often wil be denied for pre exist med conditions as customers do not read the T&C's and do not disclose PEMC's and other disqualifying information. The bank/insurer take your (in Davids's case) £12pm and then you find out after you make a claim that you were never covered anyway - charging for non-exist coverage!!!!!

And for what it's worth (for mum) look at the Post Office (a certain other poster will argue my recommendations but please make your own mind up after comparing coverage).......
http://www.postoffice.co.uk/portal/po/jump1?catId=62900708&mediaId=63300708
Not the cheapest - but the best value for money readily available.

David - Right to split - as I said above. But beware your Lloyds TSB insurtance - It's AXA (my pet hate!) they are very bad at after claims and paying, they will try to deny your claim at all costs or just not pay it. Search AXA above and see what others say.

deegee999

I am Insulin dependant, my holiday insurance is with Barclays additions account, underwritten by aviva, they did my screening over the phone & accepted all my pre existing conditions at no extra cost. I did get a letter detailing each condition accepting each one.

david39

Thanks, FH Brit, I will look into that.

Strangely, there is the usual regular email from Martin today that this week suggests looking at holiday insurance via MoneySupermarket and lists some examples that would vastly undercut the money I am paying to Lloyds, as the other part of their premium deal is not of great interest to me.

codo

We use Direct Travel. My son has a form of hypoglycemia and it is classed under the diabetic umbrella. We usually have to pay £10 extra on the price you would get online as you have to call them up and declare the condition. He like your mum has no medication, it is controlled by diet and under control. We have never had to claim but when I was checking out the insurance (nearly 12 months ago) they had good reviews and were very competitive.

dickydonkin

codo wrote: »

We use Direct Travel. My son has a form of hypoglycemia and it is classed under the diabetic umbrella. We usually have to pay £10 extra on the price you would get online as you have to call them up and declare the condition. He like your mum has no medication, it is controlled by diet and under control. We have never had to claim but when I was checking out the insurance (nearly 12 months ago) they had good reviews and were very competitive.

Be wary of Direct - see my thread here

Bumfield007

We get ours from Atlas. Don't forget it's best to pay the extra £10 - £20 on top so you can wave the excess you have to pay if you visit the doctor or pay for medicine.My lads diabetic and i know that no matter how many times we need to see the doctor i can claim the full amount back and not be out of pocket.