Travel Insurance Query

jonesMUFCforever

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OP WHAT if?? Could you afford thousands of dollars SHOULD you fall ill with a version of COPD ??

Your post suggests you can't so if it was me I would pay the extra just to be sure of full cover ESPECIALLY in the USA where medical costs are sky high.

If you can't afford the premium why are you going at all?

meer53

Going to the USA, i would declare everything. Even if you haven't been diagnosed with COPD, if you fall ill with anything related, you probably won't be covered. When i was looking for insurance for the US, the application asked if i had any investigations for any conditions. I'd had scans and tests for a heart condition which eventually came back clear but i still had to state that i'd had them.

It's just not worth scrimping on health insurance. As others have said, medical costs are huge in the US, you'll regret not paying for it if you try to do it on the cheap should anything happen.

jacques_chirac

jonesMUFCforever wrote: »

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OP WHAT if?? Could you afford thousands of dollars SHOULD you fall ill with a version of COPD ??

Your post suggests you can't so if it was me I would pay the extra just to be sure of full cover ESPECIALLY in the USA where medical costs are sky high.

If you can't afford the premium why are you going at all?

From another post, the OP won the trip, and it is a trip of a lifetime for her and her son. I agree she needs to take into account the 'what if's', but only she is in the position to know whether they are likely to happen or not.

If the OP does fall ill, if she presents at an emergency room at a public hospital (of which they are numerous in LA) she will not be turned away, irrespective of whether she has cover or not. All they will do is chase her for the debt afterwards, and as there is no reciprocal agreement with the UK in this respect, they are not going to get very far.

The only eventuality she would have difficulty with is repatriation. Again, that is for her to weigh up the possibility of that being needed, and the costs involved if it was. For something COPD related she would not be flying if she is still unwell, so a specialist flight would be very unlikely to be needed.

People are very scared of the US medical system. The fact is they are not going to turn you away, whether you can pay or not.

victor2

jacques_chirac wrote: »

From another post, the OP won the trip, and it is a trip of a lifetime for her and her son. I agree she needs to take into account the 'what if's', but only she is in the position to know whether they are likely to happen or not.

If the OP does fall ill, if she presents at an emergency room at a public hospital (of which they are numerous in LA) she will not be turned away, irrespective of whether she has cover or not. All they will do is chase her for the debt afterwards, and as there is no reciprocal agreement with the UK in this respect, they are not going to get very far.

The only eventuality she would have difficulty with is repatriation. Again, that is for her to weigh up the possibility of that being needed, and the costs involved if it was. For something COPD related she would not be flying if she is still unwell, so a specialist flight would be very unlikely to be needed.

People are very scared of the US medical system. The fact is they are not going to turn you away, whether you can pay or not.

Explains why the OP is not looking to spend a lot on insurance then.
Agree you will get emergency treatment regardless, and probably could get away with not being covered, so long as you never intend to go back to the US!
However, insurance companies will always look for a way out of paying a claim. If the OP took a cheap policy by not declaring the COPD and then claimed for something unrelated, say a broken arm for example, the insurers could then investigate and find out about the undeclared condition, thus nullifying the whole policy.
Withholding information to get a cheap policy is a waste of money, might as well not have a policy at all. Chances are, the OP will have no need to claim, or will suffer little more than lost luggage etc. Usually, you just buy the insurance, have a great trip and no need to claim. But.....

geminilady

jacques_chirac wrote: »

When you get the quote, there is a line that says 'Medical screening premium' (something along those lines) and the premium added £1xx.xx - next to this there is a little button that says 'Exclude', click on that and it will remove it.

Thanks just checking if I do this I am covered for everything except COPD?

alsmals

Hi, I don't know if this is where I should be posting, so apologies but I wanted some advise about travel insurance. I'm going on honeymoon in march next year, but my fiances fathers is very unwell. Before we book our flights and hotel I wanted to find out if anyone knows whether travel insurance will refund the cost of flights / hotel if we have to cancel due to ill health or death? If anyone does, what companies do?

Thanks in advance.

mcfisco

alsmals wrote: »

Hi, I don't know if this is where I should be posting, so apologies but I wanted some advise about travel insurance. I'm going on honeymoon in march next year, but my fiances fathers is very unwell. Before we book our flights and hotel I wanted to find out if anyone knows whether travel insurance will refund the cost of flights / hotel if we have to cancel due to ill health or death? If anyone does, what companies do?

Thanks in advance.

Given that you already know he's very unwell, I think you'll struggle to find curtailment insurance at an affordable price to cover it.

Hopefully he'll get we'll soon