Anyone got experience with premium back account travel insurance and pre-existing conditions?

harz99

Try Nationwide Flexplus, If you have to open the account first I don't think you pay the fee until the end of the month. 

born_again

Best bet is to call bank explain & they will pass you to the ins co that the policy is with...
banks do not underwrite these policies.

SevenOfNine

Nationwide switched to Aviva last year. They are MASSIVELY less obliging than the previous company used. Last year they accepted our declarations from previous year (extra £250, fee had risen), but this year it was an absolute NO. Won't cover me for any declarations at all, only for 'trip' based trivia (lost luggage etc) or new illness/medical problem while I'm away (break a leg, run over by a bus).

Same with a friend with COPD, NO this year. I think last year renewal allowed was the 'honeymoon period' Aviva via N/W. NOW they're doing more what they would do if you booked directly with them, A WHOLE LOT PICKIER!

A lot of the info on this page is from 2023, so may no longer be accurate. I looked at Lloyd Premier a/c, all the 'no need to declare' are still there, pretty impressive. BUT it also advises customers to contact the insurer to check if non-listed declarations would be accepted at extra charge.. 

When I went to the site it states something along the lines that they're currently not offering additional declarations, temporarily suspended. Only cover already accepted before 25 Sept 2025 will still be covered.

harz99

@SevenOfNine that's useful to know for the future, like you I had no issues renewing my medical extensions last year and the overall cost actually came down. This year as we are not intending travelling outside the UK for a few years I downgraded our Flexplus account and took a UK/Channel Islands only annual travel policy with Avanti (not Aviva) at a reasonable price on one of their periodic discount offers.