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Is it worth claiming travel insurance

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I fell ill whilst abroad and had to pay outright for my treatment and medical investigations. I took out a policy covering my existing medical complaints but have now developed another complaint. Is it worth claiming the insurance or will my premiums go up too much? The insurance cost £160 which is as much as I was prepared to pay a the time. Thanks you in advance for you responses.

Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    If you mean should you claim your costs when you were ill whilst insured, then of course you should!
  • steve1980
    steve1980 Posts: 2,334 Forumite
    If you're not going to claim then why bother taking the policy out?
    Estate Agent, Web Designer & All Round Geek!
  • Andy_L
    Andy_L Posts: 13,022 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    There isn't a "no claims bonus" with travel insurance. If your new complaint is declariable it will be excluded/raise your premium regardless of if you claim or not
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    It all depends on what your conditions are and how likely they are to cause problems whilst you are abroad.

    If you had something like PCOS then it is exceptionally unlikely to cause problems and so you have the option of either seeing how much it is for cover for it abroad and paying the AP or choosing a policy that simply excludes any pre-existing conditions.Unfortunately insurers views of conditions arent always accurate but pricing is always at their discretion.

    Obviously if you have something which is more likely to cause a problem, eg a circulatory issue, then it is much more prudent to have cover but your cover is much more likely to be high premium.

    To give you an example, a colleague working on the Travel team at my clients recently had to settle a claim for just under £750,000 after a 65yo guy had a stroke on a cruise ship, ship had to be diverted so he could be medevaced to the nearest ICU (which happened to be in the USA), a week or two there before medevac back to the UK.

    If you have that sort of money spare then great, if not then insurance can be sensible.
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