Travel Insurance with pre medical conditions

Lara

Thank you for all your comments. We have just taken out a years travel insurance with goodtogo as recommended by Nogginthenog (hope that's right! Lol). They covered the stroke and AF for £140. Happy with this. A yearly insurance was cheaper than per trip as we hope to travel to Europe twice more this year. Fingers crossed.

Simon9999

woodbine wrote: »

search google,many insurers say they will cover 200 pre-existing conditions,personally i usually just tell fibs and x my fingers,at least the luggage gets covered

Just curious how this would work? Say you were diagnosed with a heart problem, and chose not to declare it.

If you broke a leg on holiday, would this mean you would be covered?

Does it mean that the whole policy would be made void because you had not declared the pre-existing condition, or just would not be covered for anything deemed to be linked to an un-declared pre-existing condition?

bitsandpieces

Simon9999 wrote: »

Just curious how this would work? Say you were diagnosed with a heart problem, and chose not to declare it.

If you broke a leg on holiday, would this mean you would be covered?

Does it mean that the whole policy would be made void because you had not declared the pre-existing condition, or just would not be covered for anything deemed to be linked to an un-declared pre-existing condition?

Depends on policy wording and - to be honest - how b*stard-y the insurance companies are. Really, though, you don't want to be stuck somewhere with a broken leg (or worse) and finding the insurance company are trying to wriggle out of paying for the care you need there and then!

A number of companies are happy to sell cover which explicitly excludes certain pre-existing conditions (so a cancer patient might be covered for anything that's not cancer-related, for example). This is generally a better bet than just not declaring.

Savvy_Sue

helentay wrote: »

Just tried 3 of them and they refuse to quote online so gave up.

You absolutely won't be able to get quotes online, you will have to phone and do the medical screening. Which is exceedingly tedious when there's two of you with several 'niggly' things which are MOST unlikely to require attention while you're away.

Could well be worth asking for annual quotes as well as just for the week.

Also have you looked at Martin's article, which does include advice for non-standard situations?

Legless2b

Hi

I am going to be having my 2nd leg amputated in the near future (hopefully). Its MY choice as my bone is fused and life is very uncomfortable right now. No cancer, no problems with circulation, nothing just a stupid leg!

I am going to Ibiza in August (will be having surgery before May I hope) - wont be any issues, maybe a little blood transfusion but that is standard.

My question is - will I be insurable? Last time I had the amputation middle of June and flew to Florida beginning of October and had no issues - any ideas? My initial enquiries/googles indicated no problems but if anyone has any experience let me know.

Oh and - anyone any idea whether the side comes off the airplane seat so you can transfer? I honestly cannot remember! Thomas Cook airlines.

bitsandpieces

I don't see why you shouldn't be insurable, as long as your consultant advises you're OK to travel. Risks around clots etc. aren't an issue that close to the op? You could phone a couple of companies if you want to be sure.

What you may not be able to get is cancellation insurance prior to your op/recovery (sometimes ops are delayed etc. - and I'd be surprised if a company will want to cover the risk of that). You could either book nearer the time, or book a cheapish hol so the losses aren't so great if you can't go.

Hope you get your hol, though

Lifeforms

It usually is cheaper to book closer to the holiday, but then you run the risk of early cancellations of something or other and not being covered.

I used Fish insurance, found it reasonably priced, good staff on the phone, BUT you will never know how good a travel insurer is until you actually need them to come through. Thankfully never had to test it out, but I'd never go without it.

You're dicing with a massive bill. Even with Public treatment under the EHIC card, you may not find a close public hospital that take walk ins, and you could be liable from costs right off, ambulance trip, future transfers, treatment itself, every test cost before a transfer to a public hospital, and may still need to be recovered home if the treatment cannot be done in hospital and you have to go home.

DUKE

Savvy_Sue wrote: »

You absolutely won't be able to get quotes online, you will have to phone and do the medical screening. Which is exceedingly tedious when there's two of you with several 'niggly' things which are MOST unlikely to require attention while you're away.

Could well be worth asking for annual quotes as well as just for the week.

Also have you looked at Martin's article, which does include advice for non-standard situations?

You can get quotes online, they do the same questions as if you phone up but online just saves time.

Savvy_Sue

DUKE wrote: »

You can get quotes online, they do the same questions as if you phone up but online just saves time.

Ooh, who does it online? I've always had to phone because of DH's and my 'oddities': he has more than 3 mild conditions and has had various investigations which have given him a clean bill of health ...

either that or we're rejected by online screening.

Lara

I did all mine online .