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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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  • I am about to renew or switch. Can anybody please comment on claims experience with either Saga or Free Spirit? I insured with Saga for the year about to end (Europe-only), but their renewal is £146 up from £124 (I haven't claimed at all). Free Spirit's cover is as good in all respects and better in several, and their quote is £104, but I hadn't heard of them until getting quotes from Medical Travel Compared. They both have 5-star ratings from defaqto, but I would be grateful for any users' experience: the cheapest premium is still poor value if the claims experience is bad.
  • katejokatejo Forumite
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    victor2 wrote: »
    Probably because the risk for insuring you with a wife who has a medical condition the insurers are fully aware of, is considerably higher than the average customer. You could argue they don't normally ask someone taking out a policy if their spouse/partner has a medical condition they would not cover, but in your case they know and would be foolish to ignore it.
    I would have thought that they would allow the OP to keep his part of the policy but would refuse to pay out if he booked a further trip and then had to cancel due to his partner's already known condition.
  • sherambersheramber Forumite
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    The multitrip policy was a joint policy so was cancelled as one of the named persons was unfit to travel.

    I do not think you can split a joint policy to cover only one of the named persons.

    It is both or none.
  • Thomas_CrownThomas_Crown Forumite
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    edward50 wrote: »
    I am about to renew or switch. Can anybody please comment on claims experience with either Saga or Free Spirit? I insured with Saga for the year about to end (Europe-only), but their renewal is £146 up from £124 (I haven't claimed at all). Free Spirit's cover is as good in all respects and better in several, and their quote is £104, but I hadn't heard of them until getting quotes from Medical Travel Compared. They both have 5-star ratings from defaqto, but I would be grateful for any users' experience: the cheapest premium is still poor value if the claims experience is bad.


    I had never heard of Free Spirit until I read your post. I decided to get a quote but I was disappointed to find, that even on an Annual Policy, with the higher level Super Duper cover, the maximum number of days covered per trip, is only 45.
  • alba7alba7 Forumite
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    edward50 wrote: »
    I am about to renew or switch. Can anybody please comment on claims experience with either Saga or Free Spirit? I insured with Saga for the year about to end (Europe-only), but their renewal is £146 up from £124 (I haven't claimed at all). Free Spirit's cover is as good in all respects and better in several, and their quote is £104, but I hadn't heard of them until getting quotes from Medical Travel Compared. They both have 5-star ratings from defaqto, but I would be grateful for any users' experience: the cheapest premium is still poor value if the claims experience is bad.

    I had to claim with Free Spirit, when I went down with labyrinthitis 4 days before a holiday. Once I sent them the medical certificate they paid up in 5 days, no argument.
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Thank you Thomas Crown and alba7. I am pleased to get a positive account of claims experience. Regarding trip length, it's horses for courses. As it happens, the 45-day limit is not a disadvantage for me (and applies to the Saga policy too), and Free Spirit scores over Saga by covering an unlimited number of trips per year.
  • Aleian8Aleian8 Forumite
    1 posts
    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.

    Who did you get the cheaper quote from please?

    Regards,
    Ale Ian 8
  • PLEASE REBECCA I NEED SOME HELP!

    Im travelling to menorca in just over a week. I have pre existing medical issues which i declared on the quotes.

    But in the exclusions its says that pre existing health issues, terrorism atta ks, flight delays are all excluded??!!! Im now stressing amd scared i will buy cover that actually covers nothing!

    My pre existing health issues are depression, ocd, anxiety, ibs, nerve damage, joint paint a d asthma.

    PLEASE HELP ME SONEONE!!!!! X
  • BrowntoaBrowntoa Forumite, Board Guide
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    Have you tried the specialist brokers like staysure ?

    Ring them and they do a bespoke quote
    Links in my signature currently broken
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop ,over 50's , Boost your income and Discount Code boards which means I volunteer to help get your forum questions answered and keep the forum runnning smoothly .However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to [email protected] Any views are mine and not the official line of MoneySavingExpert.
  • sherambersheramber Forumite
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    PLEASE REBECCA I NEED SOME HELP!

    Im travelling to menorca in just over a week. I have pre existing medical issues which i declared on the quotes.

    But in the exclusions its says that pre existing health issues, terrorism atta ks, flight delays are all excluded??!!! Im now stressing amd scared i will buy cover that actually covers nothing!

    My pre existing health issues are depression, ocd, anxiety, ibs, nerve damage, joint paint a d asthma.

    PLEASE HELP ME SONEONE!!!!! X

    If these are current conditions they may not be willing to cover them. You would be better phoning and speaking to an advisor who will explain what they will not cover.

    Inflight delays are not usually covered as the airline will cover you for meals or accommodation if necessary and as you are returning home there will be no consequential loss.

    No policy covers terrorism.
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