Travel Insurance for Specific Conditions

screwfox

Hi,

I feel that the following is very useful to people who have pre-existing medical
conditions and want travel insurance and are 64 or under.

I have recently been struggling to get Travel Insurance for my daughter - due to her Pre existing Medical Condition - epilepsy. She is only 16months old and her seizures are not yet under control. Medication changing - daily seizures etc etc. With most insurers - you go through a medical screening exercise (a quick questionnaire with yes and no answers) and you know that you won't be insured by the end of it. (in which case you may aswell get bargain basement insurance)

Anyway- I have come across an insurance company ACE online travel Insurance, who set themselves aside from the rest. They have a simple declaration, if you get past that, you're insured.

http://www.aceholidayinsurance.com

Read the pre-existing section here:
http://www.aceholidayinsurance.com/popup.FAQ.asp#MedicalConditions

Copied from above link....

Q - I have a medical condition, can I be covered?
A - Before you buy a policy, we ask you to confirm that you are NOT

receiving or on a waiting list for treatment in a hospital or nursing home
travelling against the advice of a medically qualified doctor
travelling for the purpose of obtaining medical treatment
travelling after being given a terminal prognosis

If you can confirm these and the other statements we ask you to confirm, you can buy our cover online.


I called them and discussed my position and they were superb. A very refreshing change.

They are not the cheapest, but are not expensive, and for pre-existing medical conditions i don't think you can beat them.

I am more than happy and love their approach.

Just a thought,


Screwfox

mutley74

i was shocked that Ace were willing to cover my kid who has just recovered from cancer. most others turned him down. Anyone else tried got experience of ACE before i consider buying??

savvy

Hi Screwfox
I've moved your thread here as your post could be useful to many others in a similar situation.
Thanks
savvy

screwfox

These seem to be superb for pre-existing medical conditions, but you need to be 64 or under. They have a simple disclaimer and that's it. Not health screening line. worth a look

http://www.acetravelinsurance.com/

mutley74

screwfox wrote:

These seem to be superb for pre-existing medical conditions, but you need to be 64 or under. They have a simple disclaimer and that's it. Not health screening line. worth a look

http://www.acetravelinsurance.com/

you sound like a sales person for Ace! But as they are a big company i let you off!
thanks

kenshaz

My wife is currently having chemotherapy for lymphoma,two more sessions to go and then we will plan a holiday,can I request help with travel insurance,perhaps others have experienced similar situations or have knowledge of companies that offer competitive travel insurance for that or like conditions

Bob63

I think you will be out of luck. When my dad had non Hodgkins lymphoma a couple of years back even *my* travel insurance refused to cover me for cancellation of my holiday if his illness forced cancellation of our family holiday (even though he wasn't going). Their argument was that this was a pre-existing condition at the time of taking out insurance.

On a happier note lymphoma is one of the most treatable forms of cancer. After 8 cycles of R-CHOP my dad made a complete recovery. Plus his hair grew back with slightly less grey . Best of luck to you and your wife.

Mike

kenshaz

cheesy.mike wrote:

I think you will be out of luck. When my dad had non Hodgkins lymphoma a couple of years back even *my* travel insurance refused to cover me for cancellation of my holiday if his illness forced cancellation of our family holiday (even though he wasn't going). Their argument was that this was a pre-existing condition at the time of taking out insurance.

On a happier note lymphoma is one of the most treatable forms of cancer. After 8 cycles of R-CHOP my dad made a complete recovery. Plus his hair grew back with slightly less grey . Best of luck to you and your wife.

Mike

Proves that insurance companies are not in touch with medical conditions and how they would develop and what treatment would be required,thanks for the prognosis,we are positive,any tips on dealing with the chemo

silvercar

Enquire with the main cancer charities, I remeber my aunt using them when she was going through treatment.

You may have the difficult decision to make as to whether to take out ordinary travel insurance that won't cover you for lymphona related problems if you can't find anyone to insure you fully.

Dora_the_Explorer_5

The MacMillan nurse in your wife's treatment team should be able to help, and also advise on any special precautions your wife should take and how soon after chemo it would be wise for her to travel if you're going abroad. Best wishes.