Pre-existing medical conditions travel insurance

Jd843

Hi all

My partner was hit by a car 6 months ago and sustained several serious injuries, including a head injury and a vertebral fracture. I know that these are the sort of thing you need to declare on travel insurance, so I’ve been getting a few quotes as we are going away in June and September.

I used a price comparison site, declaring all of his injuries, and the lowest price I got was 60 quid. Not too bad. But I also got a few individual quotes from specialist insurers’ sites, ones that had been recommended by brain injury charities etc. (E.g. staysure, fish) and the quotes from these were £200+.

The massive difference in price makes me wonder if I’m missing something. Are the cheap insurers not very good? Is it better to go with a specialist insurer when you’ve had something complex like a head/brain injury?

All this has also made me quite paranoid about insurers trying to get out of paying in the event of a claim. As I said, my partner had several injuries, and I’m worried if I don’t declare them in precisely the correct way (ie using the exact wording that is on his medical record, which we don’t have), the insurer will claim I’ve lied and refuse to pay. Are they this strict, or will it be enough that I’ve tried my best to declare everything accurately? I tried calling to get a quote instead of going online, thinking an advisor would be able to help out, but whenever I said ‘Ah I’m not sure how to answer this question because xxx’ all they did was repeat the question again rather than giving any advice/enquiring further. Useless and annoying.

Any advice much appreciated.

csgohan4

as long as your upfront about the medical conditions it should be ok.


However you get what you pay for so a cheap insurance you need to check T+Cs always

ciderboy2009

Personally I've always found the companies recommended by charities and medical experts to be more expensive that I can get it for myself by spending some time shopping around.

As previously mentioned, the important thing is to read all of the small print to make sure there aren't any unexpected exclusions.

insurancebod

Read/listen to the questions carefully and answer them to the best of your knowledge. If you take out a policy, you should then get documents which show what was asked and what was answered, so you have the opportunity to double-check you answered correctly.

System

Declare everything .
My daughter has multiple issues but is in Africa at the moment unfortunately two days before she was due to return she fell and as a result has had to have her leg pinned , she is still in hospital in Mombasa .

Her £40 post office insurance cover is a god send , they are taking care of everything . Hopefully tomorrow we will find out when they will be bringing her home , her leg has to be elevated so will be coming home business class , they are also transporting her from Heathrow home to yorkshire .