Pre-existing Travel Insurance Guide Discussion

edward50

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.

katejo

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.

sheramber

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_Crown

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.

alba7

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.

edward50

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.

Aleian8

Marie_Williams wrote: »

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

Debt_buster

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

Browntoa

Have you tried the specialist brokers like staysure ?

Ring them and they do a bespoke quote

sheramber

Debt_buster wrote: »

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.