Annual holiday insurance world wide especially usa .

alfmurph

Having a son who stays in miami my wife and i spend 4 or 5 weeks there at a time . My wife has portal hypertension ( non alcoholic  ) and i have high blood pressure so we struggle to obtain this type of cover . The best this year was £1100 . 

Looking around on an old website someone recommended getting visitor health cover in the states and also getting standard travel insurance here for lost luggage etc, declare illness but ask them not to cover them .
Would appreciate thoughts especially if someone has done this .

NoodleDoodleMan

Do you have medication for high blood pressure ?

I have two tablets taken daily - our bank package travel insurance accept this declared condition without any additional premiums.

alfmurph

Which bank please . I know you will need to pay monthly for this account .

alfmurph

It is the portal hypertension that insurance charge big money for . Turns out the pill my wife was prescribed for 10 years for her crohns brought on the hypertension due to the maximum length being around 5 to 6 years for this pill . Covid being blamed of course for lack of hospital appointments  . Insurance is with paying too much as hardly any companies will do the annual world wide including usa as condition is considered very serious .

alfmurph

We paid 200 pounds before for high blood pressure and crohns disease .

michele-p

Have a look at insurancewith.com we got a joint worldwide annual policy my husband has medication  for hypertension as well as other medical issues. It only came to £300 a year

NoodleDoodleMan

alfmurph said:

Which bank please . I know you will need to pay monthly for this account .

Co-op Reward - £15 monthly.

silvercar

If you get local health insurance in the states and travel insurance from the UK for lost luggage, there is a gap that won’t be covered. This includes anything that happens before you arrive in the States eg en route, any cover you need to extend your stay eg hotel costs and worst case the cost of repatriation. 

DullGreyGuy

alfmurph said:

It is the portal hypertension that insurance charge big money for . Turns out the pill my wife was prescribed for 10 years for her crohns brought on the hypertension due to the maximum length being around 5 to 6 years for this pill . Covid being blamed of course for lack of hospital appointments  . Insurance is with paying too much as hardly any companies will do the annual world wide including usa as condition is considered very serious .

Staysure will cover portal hypertension and will allow you to exclude it from cover if you want to get insurance state side for it however that leaves the gap of having to cancel for the condition or related (which they include liver cancer and oesophageal varices). Similarly if you were to becoming ill with the condition whilst out there your US policy would have to staying there until you can travel using a regular commercial flight (which you have to pay for) whereas medical insurance would consider medi-vac and most likely cover someone staying with you.