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Pre-existing Travel Insurance Guide Discussion

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Pre-existing Travel Insurance Guide Discussion

edited 30 November -1 at 12:00AM in Overseas Holidays & Travel Planning
365 replies 175.4K views
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Hi,

We've written a new pre-existing travel insurance guide for the website and we'd love your feedback.

How did you find the info? Was it useful? Do you have any other tips you would add?

Thanks for your help,

MSE Rebecca
«13456737

Replies

  • busiscoming2busiscoming2 Forumite
    4.5K posts
    Part of the Furniture 1,000 Posts
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    My DH has a pre exisiting condition. He is quite uninsurable with many companies. Colombus direct have always had no problem insuring him. Thankfully we have never had to claim for the condition or a related problem.
  • EssexExileEssexExile Forumite
    4.8K posts
    Sixth Anniversary 1,000 Posts Photogenic
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    We've always used Columbus, likewise never claimed but we have no trouble getting cover with them.
    Tall, dark & handsome. Well two out of three ain't bad.
  • WortleWortle Forumite
    140 posts
    Is this very new, as I was reading up on travel insurance yesterday and didnt spot it?
  • pogofishpogofish Forumite
    10.6K posts
    Part of the Furniture 10,000 Posts Name Dropper
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    Wortle wrote: »
    Is this very new, as I was reading up on travel insurance yesterday and didnt spot it?

    The time/date of posting might give you a hint?
  • HoofeHeartedHoofeHearted Forumite
    2.6K posts
    Part of the Furniture 1,000 Posts Photogenic
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    We have used Columbus for several years now, and made a claim 18 months ago. My wife fell and broke her leg in Thailand.
    Columbus paid all medical bills (operation + 10days in hospital) and flew us home business class.

    My wife declared her pre-existing conditions, thank goodness.

    The issue of having £10 Million cover is sometimes required. Conditions of going on a cruise require you to have this amount of cover. Think this is to pay for evacuation by helicopter etc.

    Insurance companies are now asking you to pay extra for "cruise cover". From what I can make out, this is to cover the cost of flying you to the next port of call, if you miss the ship.
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • I've been trying to get cover for my husband who has cancer (though not having symptoms or treatment currently) AND is on medication for high blood pressure and is taking statins (like just about every other man of his age). I am looking for emergency medical cover for anything related to high blood pressure/high cholesterol - I'm not looking for cover for the cancer, which is unlikely to cause a sudden emergency, we're told. I have only found one insurer so far who will cover (all) the pre-existing conditions, and it is very expensive (several hundred pounds). The guide says "If cover is still unaffordable, the price may drop considerably if you ask insurers to exclude some, or all, of your pre-existing conditions". But I can't find any insurers who will cover some pre-existing conditions but not all - are there any?
  • I was quoted £500 by this Company yesterday. I declared Underactive Thyroid, Diverticular problems, plus Sciatica. I have these conditions covered by another Company for £160.01.
  • edited 5 May 2015 at 1:36AM
    JohnKeynshamJohnKeynsham Forumite
    1 posts
    MoneySaving Newbie
    edited 5 May 2015 at 1:36AM
    I've just spent several hours keying in medical screening data to all the MSE recommended Comparison sites and the other recommended companies and these returned a best Annual cost of £202 with StaySure and a best Single Trip of £125 with Avanti for a similar cover profile.

    I then also tried the company I insured with last year - Travel Insurance 4 Medical, and for a slightly better cover profile, the costs quoted online were £151 annual and £70 single trip.

    Although my family's required cover profiles and medical screening profiles are likely to be unique, I would highly recommend others getting an online quote from Travel Insurance 4 Medical and comparing with other quotes
  • DUKEDUKE Forumite
    7.4K posts
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
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    I couldn't get insurance for worldwide, although they'd cover me for a single trip at an extortionate cost.

    Columbus have just quoted us (a couple) £276.77, & will cover me for pre-existing, wordwide!

    Do you mind if I take this over to the Macmillan forum Rebecca?

    Thanks, that's brilliant :D
  • drphiladrphila Forumite
    184 posts
    Eighth Anniversary 100 Posts
    Thanks for creating a separate thread, Rebecca. This will be very useful to the many people who have muliple medical conditions and who have difficulty getting affordable insurance.

    If I can make a constructive suggestion, it would be to mention companies who will cover multiple conditions but impose conditions. I'm thinking here of companies who will cover any combination of medical condition, such as Global Travel Insurance (higher excess and no cover for conditions diagnosed in last 12 months), Eurotunnel (stable condition) and Eta (no cover for conditions diagnosed in last 12 months).

    For people like my wife with multiple serious conditions, this is often the only way to get cover at other than astronomical prices.

    Phil
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