Travel Insurance pre-existing conditions

chrisaw

Hi - I'm in the process of looking for travel insurance for me and my family, for a mediterranean cruise we'll be going on this summer (no flights involved). Thirteen years ago I had a pulmonary embolism, which had me hospitalised for two weeks, and on anti-coagulants for the following five months. After this I had follow up tests, where the consultant told me that the embolism had been just one of those things, and I was at no more risk than anyone else of having a further occurrence. Since then I've been fine.

When it comes to applying for travel insurance;

Should I declare the embolism?
What effect is it likely to have on the premium?
If I do declare it, are there any companies that you would recommend for worthwhile low cost cover?

InsideInsurance

You need to read each insurers definition of "pre-existing" - some are only interested in conditions for which you have had symptoms, medication or doctors appointments in the last X years where as others for certain conditions like heart, lung and brain issues want full disclosure.

How it will be handled will depend on the insurer, some simply exclude the condition and so your premium is unaffected but you have no cover for that particular issue. Some will do screening and give you the option of having cover for a premium loading or excluding cover and no premium loading. Some will simply decline to give you insurance.

jay82

It is important to give a complete medical record of any pre-conditions no matter how old or recent the condition maybe.After that you can mutually discuss and decide If you want a low cover and exclude that condition's coverage or not. you may not apply for that condition but on your own risk. Discuss the options with your broker:)

Quentin

jay82 wrote: »

It is important to give a complete medical record of any pre-conditions no matter how old or recent the condition maybe.....

Not so.

Although some serious conditions (eg heart/breathing/cancer) usually do have to be disclosed however old, travel insurers are usually only interested in unresolved complaints and your medical history over the last 12 months.

jonesMUFCforever

For peace of mind I would disclose.
Better be safe than sorry.

MIKEY49

Hi

Was wandering if anyone can recommend where i could get a fair deal for holiday insurance.
I am 50 and have cardio myopathy which is fine at the moment and just reviewed yearly by a cardiologist. My partner had 2 heart attacks last one being 11 years ago but is on medication which controls cholesteral and medication to control high blood pressure , working full time and aged 60 and only reviewed yearly by GP.
Managed to get insurance for a 5 day trip to New York last year but my partner was refused by saga, lloyds and only managed to get a policy for the 5 days with staysure but at a cost of £350.00 for the 5 days.
We have had 3 holidays in Spain this year but have just taken out the basic insurance and have our European health cards which reading the information should cover us for care in Europe.
Was hoping to go back to America or Mexico but put off going due to the cost of insurance.

Any advice would be greatly appreciated.

wiltslass

Hi The British Heart Foundation has on its website a list of travel insurance providers who are more sympathetic to insuring pre-existing conditions. We have obtained quotes from the companies listed in the past and have found some of the quotes to be competitive and to offer good cover. It might well be worth a look and getting a few quotes.

InsideInsurance

You could check the ones this site recommends http://www.moneysavingexpert.com/insurance/cheap-travel-insurance - its near the bottom for pre-existing conditions ones.

Mexico will almost certainly be cheaper than the USA

MIKEY49

wiltslass wrote: »

Hi The British Heart Foundation has on its website a list of travel insurance providers who are more sympathetic to insuring pre-existing conditions. We have obtained quotes from the companies listed in the past and have found some of the quotes to be competitive and to offer good cover. It might well be worth a look and getting a few quotes.

Thankyou, will check out the site.

[Deleted User]

I've always found columbus direct pretty good for pre existing conditions.