Travel insurance for a couple where one person has health issues.

Startinglate

I would like to ask for peoples' opinions on couples/family travel insurance policies. My husband and I are in our late fifties and are now in a financial position to take overseas holidays. My health is excellent and I have not needed to consult a doctor for years but my husband has several health issues, needs to consult specialists several times a year and takes a cocktail of medications. However, none of these issues preclude an active life and he is no more prone to ill health than the average middle-aged person so we have not thought twice about booking and taking holidays abroad. Last year we booked a last minute holiday; I had very little time so I just purchased the couples insurance offered; we went away and had a lovely time. I thought my worst sin was not being MSE savvy and shopping around but a friend told me that we were taking a big risk and should declare DH's health issues next time as if we made a claim, even if it was unrelated to his conditions, it could be refused - scary:eek:. So should we have separate travel insurance policies or would a specialist insurer include me for very little more than just my husband on the basis of my own good health? It can't be uncommon for one partner in a marriage to have health issues and the other not.

InsideInsurance

It isnt uncommon however if its cheaper to get a joint policy or two individual policies will vary between couples. Unfortunately no shortcut to getting the cheapest option.

If you arent concerned about the existing conditions there are insurers that will simply exclude them and so no increased premiums but equally no protection if there is a complication from the condition.

weejonnie

I am always concerned about getting two policies. Obviously your husband will be covered on one for his treatment and if he has to cancel his holiday due to the medical conditions covered. The only problem is that YOU may not be covered for your additional costs or your cancellation deposit if your husband falls ill before or during the holiday.

Startinglate

Thank you InsideInsurance and weejonnie for your helpful comments; I have not been able to get online for several days hence my tardy response. I think I will contact some travel insurance providers and try to arrange a joint policy as we very rarely travel without the other.