Travel Insurance for Specific Conditions

wearside_2

thomas33 wrote:

I'm looking for cheap travel insurance for 2 months in Australia, can any one help? I am a Diabetic on insulin.

thanks

Hello!

My wife is an insulin dependent diabetic and we spend at least two months each year in Florida. We have joint annual Travel Insurance with American Express which covers both of us quite cheaply considering. We had to obviously declare her condition and answer a few questions on the phone. Their website is http://www.americanexpress.com/uk/personal/insurance/travel/travel_insurance.cgi

We only changed company this year as Direct Travel our previous one, would not insure us for the 85 days we are going this winter:j . We had them for a number of years and were very satisfied with the price and service. Their website is http://www.direct-travel.co.uk/index.asp?AID=Google&engine=adwords!2099&keyword=%28direct+travel+insurance%29&match_type=

Have a wonderful trip. If you have any other questions PM me!

office_2

Hello

I have just moved home and have taken on a larger mortgage. I am taking the opportunity to obtain mortgage protection and also increase my life assurance and make it a joint affair with my wife.

I am currently with Pinnacle for my mortgage protection (which is now inadequate) and Friends Provident for Life assurance.

I have just done a quote with helpupay (which I believe is pinnacle) and I would pay about the same price but tripple the cover as my existing. Also the quote on theidol seems reasonable for the cover I am after.

Sorry for the long story, but the main reason is that I am diabetic and I could not see in the policy details that I would have a problem purchaing the products.

Normally I would just change the details (increase values) of my existing policies which know I am diabetic but I am guessing they would seriously increase my premiums.

Any advice would be appreciated, am I better cancelling and getting new or will I have to take the hit and increase my existing?

THanks

jasonking

You would need to disclose to any new insurer that you are diabetic so they will increase premiums for you as well. If you took out your current policy before you were diagnosed with Diabetes then you may be able to increase your cover on moving home with no new underwriting...this means your diabetes wont affect the premium. This would probebly be the best course of action if possible. If you took out your existing plan after you were diagnosed then you should consider the whole market for your new cover but the quotes you can get off the internet will be meaningless as they dont take into account your medical condition.

We can usually get cover for diabetics as long as your HBAC1 reading (have I got that term right this early?) is below 10. But it takes some research amongst the different companies first.

office_2

Thanks for the reply. I appreciate I would need to inform them and I have done so in the past.

My experience is, unless you change then you seem to be worse off. I think I will give them a call and see what the figures would be if I just changed my existing policies.

Thanks.

crazyspaniels

trying to book travel insuarance for my hubby who is off to Atlanta on friday.
Everything cheap on moneysupermarket has a disclosure at the beginning basically saying that if the claiment has high blood pressure or cholesterol then its a no go. Hubby is in his 40's has had some high blood pressure and cholesterol tests and given the drugs etc, does this count towards travel insurance, can anyone suggest a good deal for a single trip to the USA where this would not be a big issue??? I don't want to insure him and then something crop up and then they see his medical records that he has a histoy of high blood pressure and then they don't pay out - don't most men of his age in stressful jobs have high blood pressure????

Tim_Dodd_2

Try these guys: https://www.free-spirit.com

They specialise in travel insurance for pre-existing medical conditions. Sounds like just the ticket to me.

crazyspaniels

thanks alot, managed to get Norwich Union who only exclude medical conditions that have been diagnosed and treated in the last 12 months which is alot easier to manage, £44 for 2 people to the USA for 9 days

paulboy83

I'm probably too late but if he is taking medication for the condition now the insurance company will class that as recieving treatment.

courtjester

Don't assume you are covered - declare the medical condition and existing treatment to the company (with a GP 'fitness to travel letter if appropriate) and CHECK that they agree it will be covered - you must have this in writing before you travel.

Travel insurers will go to GREAT lengths to try and get out of paying for medical claims on grounds that material facts about your health were not disclosed - the onus of disclosure is on you.

God forbid, if your hubby were to have a heart attack in the USA, the insurers would doubtless point to the high blood pressure as being material information they should have been aware of and refuse to pay the medical bills - treatment costs in the USA are in the sell-your-home-to-pay-the-bill territory (or worse) so don't take the risk by just assuming.

cindyhove

My husband has just undergone heart surgery. We were intending to travel for 6 months from January, inclusing north america.
The policies that we currently have are not willing to cover him for the USA.
Does anyone know of a policy that does not cost the absolute earth that will be useable for us?