Travel insurance - awaiting hosp referral
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Pow11890
Posts: 155 Forumite
Hi all
I am due to travel to Usa soon and looking to get travel insurance. I have visited my gp in Dec 2023 for a medical issue which I am currently facing. It’s extremely subtle and doesn’t impact me day to day. My gp didn’t think the issue was anything major but has made a referral at my request to my local hospital for further investigation. The appt at the hospital isn’t for another 8 months until 2024 end. When trying go get travel insurance quotes, it asks if I’ve got any pending/awaiting investigations which I am putting “yes” to as I’m currently awaiting review for my referral. It immediately means I cannot get travel insurance for my upcoming travel to Usa.
I am due to travel to Usa soon and looking to get travel insurance. I have visited my gp in Dec 2023 for a medical issue which I am currently facing. It’s extremely subtle and doesn’t impact me day to day. My gp didn’t think the issue was anything major but has made a referral at my request to my local hospital for further investigation. The appt at the hospital isn’t for another 8 months until 2024 end. When trying go get travel insurance quotes, it asks if I’ve got any pending/awaiting investigations which I am putting “yes” to as I’m currently awaiting review for my referral. It immediately means I cannot get travel insurance for my upcoming travel to Usa.
Is there any well known providers for travel insurance who provide cover even with people on wait lists?
I would appreciate any input or suggestions as it currently stands I won’t be able to get insurance at any mainstream provider due to the long wait lists at the nhs. What do people usually do in these instances - travel without insurance and hope for the best? Thanks
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Comments
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You could look at excluding whatever it is and any condition that may be related to it.if you do get ill while you’re away, The insurer will look at anything that could possibly be directly or indirectly related and decline cover.
So that would be a judgement call depending on what your medical problem is and what it could develop into.
For example I was having tests for knee pain. If I’d fallen and broken my leg in a bad way with a hospital stay the insurer may well have said that could be indirectly related to the knee pain and refused to pay.All shall be well, and all shall be well, and all manner of things shall be well.
Pedant alert - it's could have, not could of.1 -
I've had experience of this and as long as you've got a definite diagnosis for the condition you've been referred to you should be able to get cover for that condition whilst you are on a waiting list. Try Avanti, Staysure and All Clear. You will need to phone them to get your quote.0
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Seasalt3 said:I've had experience of this and as long as you've got a definite diagnosis for the condition you've been referred to you should be able to get cover for that condition whilst you are on a waiting list. Try Avanti, Staysure and All Clear. You will need to phone them to get your quote.
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Can you use a private hospital? You would probably be seen much sooner.0
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Pow11890 said:Hi all
I am due to travel to Usa soon and looking to get travel insurance. I have visited my gp in Dec 2023 for a medical issue which I am currently facing. It’s extremely subtle and doesn’t impact me day to day. My gp didn’t think the issue was anything major but has made a referral at my request to my local hospital for further investigation. The appt at the hospital isn’t for another 8 months until 2024 end. When trying go get travel insurance quotes, it asks if I’ve got any pending/awaiting investigations which I am putting “yes” to as I’m currently awaiting review for my referral. It immediately means I cannot get travel insurance for my upcoming travel to Usa.Is there any well known providers for travel insurance who provide cover even with people on wait lists?I would appreciate any input or suggestions as it currently stands I won’t be able to get insurance at any mainstream provider due to the long wait lists at the nhs. What do people usually do in these instances - travel without insurance and hope for the best? Thanks0 -
Recently had the same issue finding an insurer.
Have lived with a condition for over a year and, despite multiple investigations, am no nearer a diagnosis. Am awaiting 1 more test on the NHS but could be waiting another 2 years for this.
Many insurers wont quote, some will but want to exclude all other pre-existing conditions (that have a diagnosis and are clearly unrelated to current symtpoms).
The only insurer willing to cover me was AllClear.
They have excluded undiagnosed issue but covered all other diagnosed conditions I have. Oddly, the Annual Trip cover was cheaper than the Single Trip policy.
Give them a call an see if they can help - not worth contemplating heading to the States without insurance0 -
Hi, we had trouble getting cover for my husband before a diagnosis, we have a condition diagnosed now, and this year we have used instancewith.com - we ended up buying an annual worldwide policy for only £300 for the both of us. We'd had quotes of £2500 from other companies just a single trip to USA before that!
Might be worth a try, they are a medical insurance specialist.0
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