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Pre-existing Travel Insurance Guide Discussion

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  • vix2000vix2000 Forumite
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    I read that you could exclude certain conditions to reduce the cost but every company I speak to says this is not possible and you have to be insured for all or none. Most of my conditions would not be an issue for a holiday so could easily be excluded. they are all excluding my breast cancer anyway. Can anyone advise me of a company that will exclude, please?
  • Doc_N wrote: »
    Could be dearer, of course - or unobtainable. And at least purchased now it would cover the deposit. Have to say, though, that faced with that sort of premium I'd be staying in the UK.



    Thanks for the reply but I do not understand the logic, just do the maths if I need to cancel before full payment I would be a further circa £150.00 out of pocket. Also the nearer the travel date the lower the cost.


    Regards
    Alan
  • EssexExileEssexExile Forumite
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    Would the cost reduce that much nearer the date though? The big risk for the insurance company is overseas medical costs & repatriation, which hasn't changed. The cost of reimbursing the price of the holiday is negligible in comparison.
    Tall, dark & handsome. Well two out of three ain't bad.
  • Doc_NDoc_N Forumite
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    Thanks for the reply but I do not understand the logic, just do the maths if I need to cancel before full payment I would be a further circa £150.00 out of pocket. Also the nearer the travel date the lower the cost.


    Regards
    Alan

    Your choice, of course, but not sure why you think the premium will reduce towards the departure date. The bulk of the premium will relate to the insurer's medical expense exposure, and if your health should worsen in any way the premium is likely to increase. If it's a major change (and we never know what's round the corner) it could double or treble.
  • edited 21 June 2016 at 10:22PM
    SuperbladesmanSuperbladesman Forumite
    3 posts
    edited 21 June 2016 at 10:22PM
    Doc_N wrote: »
    Your choice, of course, but not sure why you think the premium will reduce towards the departure date. The bulk of the premium will relate to the insurer's medical expense exposure, and if your health should worsen in any way the premium is likely to increase. If it's a major change (and we never know what's round the corner) it could double or treble.[/QUOTE


    I would suggest you consult the small print in your insurance policy where you have agreed to inform them if your health changes, which applies from day one. They will then consider your condition and if acceptable may increase it or if not, cancel your policy with a refund of your premium less a handling fee.
    This does not apply once you have commenced your holiday.


    Regards a reduction in premium nearer to travel date it is likely because they carry the risk for a shorter period. If you have ever tried to get insurance where the travel date is more than twelve months in advance you would discover it is almost impossible.


    Update:
    Just got another quote on a like for like basis and surprise surprise, has it gone up NO, it is now £600.00 cheaper which confirms my first post on this subject.
    Is it always a good idea to take out holiday insurance as soon as you book your holiday, seems not!
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • swanseajack47swanseajack47 Forumite
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    I would like to just say that, although the guide was very useful, I would not advise anyone to bother with the EHIC Plus suggestion. I have a pre-existing heart arrythmia (SVT) which happens now and again (once recently in March 2016 and then way back in 2011 and before. They wouldn't cover me (at any cost) for any claim related to this fairly common and well-known condition ... I think, because I said (truthfully) that I had arranged to have an outpatient 72-hour monitor recording in a few months time prior to my next appointment. The monitor recording doesn't have any bearing on holiday risk as I can arrange to have it at a time of my choosing. But if one reads the EHIC small print, they will not insure anyone who is due to have any follow-up appointments. Waste of time, and I had no trouble insuring with other firms .. e.g. HolidayRisk at a quite reasonable premium for an annual policy. Also, with EHIC Plus there was some rubbish about having had to have been treated at a 'state facility' first to qualify for cover ... messy and complicated ... don't bother!

    swanseajack47
  • I read that you could exclude certain conditions to reduce the cost but every company I speak to says this is not possible and you have to be insured for all or none. Most of my conditions would not be an issue for a holiday so could easily be excluded. they are all excluding my breast cancer anyway. Can anyone advise me of a company that will exclude, please?
    (vix2000, 9/6/2016)

    I also would like to know the answer to whether you have to declare everything.
    A quote from Staysure for a week with my wife is £45 if we include only our physical symptoms, but £135 if I include my mild and well-controlled depression. A difference of £90, a 300% increase!
    I am quite happy to leave the mental issue uncovered, but am told doing so might invalidate the coverage of my pre-existing physical medical conditions. I asked the person on the phone how on earth my being a bit low could possibly affect my twisting an ankle, for example. She said she could not answer that one, but that "every case is considered individually". She did not suggest anyone to ask.
    This rule - if it is a rule - seems absurd to me, but IS it the case?
    Any ideas, anyone?
  • Doc_NDoc_N Forumite
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    StephenMay wrote: »
    (vix2000, 9/6/2016)

    I also would like to know the answer to whether you have to declare everything.
    A quote from Staysure for a week with my wife is £45 if we include only our physical symptoms, but £135 if I include my mild and well-controlled depression. A difference of £90, a 300% increase!
    I am quite happy to leave the mental issue uncovered, but am told doing so might invalidate the coverage of my pre-existing physical medical conditions. I asked the person on the phone how on earth my being a bit low could possibly affect my twisting an ankle, for example. She said she could not answer that one, but that "every case is considered individually". She did not suggest anyone to ask.
    This rule - if it is a rule - seems absurd to me, but IS it the case?
    Any ideas, anyone?

    Not exactly a 'rule' but what you must do is answer honestly all questions put to you. Anything other than a complete and honest answer will probably give rise to a claim being refused.

    If the questions are such that disclosure of the depression is not required - that's fine. If they do require it, I'm afraid you need to disclose it.

    Good luck - I do hope you find suitable cover at a reasonable price. I see no reason why shopping around shouldn't find something. :)
  • Hope this may be of help to someone. My mother is 84 takes 3 meds for hypertension and 3 different drops for glaucoma. She always travels with us but until last year had an annual policy with Staysure costing over £300.

    I contacted Nationwide to enquire about the cost of adding my great-niece to our policy for a 3-week trip to California and just out of interest asked about adding Mum as a guest too. It was £60 for the USA trip and £30 for 2 weeks in Europe. This is saving Mum around £200 a year!

    I know it won't be an option for many but I hope it might be helpful for a few forumites.
  • jimbo49jimbo49 Forumite
    64 posts
    Tenth Anniversary 10 Posts Combo Breaker
    i'd like to know how to get 'reasonable priced travel insurance for pre-existing medical conditions'.
    i have COPD. i have been hospitalised with it once which was 10 years ago and that was because of a dose of flu which triggered it off. i do my best to take care of myself and what i do, avoiding as much as possible situations that could enhance the risk of picking up a cold etc that could start an exacerbation. i am not on oxygen at any time. i use 3 different inhalers. two are preventers, one is a reliever. the cost i get quoted is over £300!! if that's what is called 'reasonable', thank goodness i didn't get a high quote back!!
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