Travel Insurance

Robthebob76

For Nationwide members who have the Flexplus current account (which includes travel insurance), a reminder.... Nationwide has changed its travel insurer to Aviva. My upgrade for a trip to Australia was refused because of an underlying health issue. I've been in remission for this health issue for about 10 years now and recieve no treatment but because I have an appointment with a specialist every 6 months for a quick chat and check over I am deemed to be " still under the care of a specialist " and as such Aviva will not cover me. Nationwides previous insurer were not bothered with the condition because I was in remission. Its going to cost me a lot now to get travel insurance for the trip. By the way Nationwide charge £18.00 a month for the Flexplus account.

DullGreyGuy

Robthebob76 said:
I've been in remission for this health issue for about 10 years now and recieve no treatment but because I have an appointment with a specialist every 6 months for a quick chat and check over I am deemed to be " still under the care of a specialist "

Most companies definition for non-critical illnesses is if you have suffered symptoms of, taken medication for or consulted a medical professional about. You are seeing a doctor every 6 months and so most insurers would consider it an active condition that needs to be considered for pricing. 

The NHS for whatever reason are considering it serious enough to spend hundreds a year on monitoring you for the condition so doesn't sound as if its as all fully cleared up and never to return as you make out. My own congenital medical condition that I take 2 meds a day for since I was 2 years old I only see a doctor every 2 years for. 

Travel insurance is a budget product and as such it takes a simplistic approach to underwriting. Were you applying for PHI or such that would be a commitment of thousands a year in premiums then they'd get medical records, test results maybe get you to see their own doctor and may come to a different conclusion but aviva are probably getting circa £50 per year for you with no long term commitment and so have basic rules that are cheap to implement but may mean some slip through the net and some are caught by the net that more thorough investigation may have cleared. 

vix2000

Robthebob76 said:

For Nationwide members who have the Flexplus current account (which includes travel insurance), a reminder.... Nationwide has changed its travel insurer to Aviva. My upgrade for a trip to Australia was refused because of an underlying health issue. I've been in remission for this health issue for about 10 years now and recieve no treatment but because I have an appointment with a specialist every 6 months for a quick chat and check over I am deemed to be " still under the care of a specialist " and as such Aviva will not cover me. Nationwides previous insurer were not bothered with the condition because I was in remission. Its going to cost me a lot now to get travel insurance for the trip. By the way Nationwide charge £18.00 a month for the Flexplus account.

I have used nationwide travel insurance for years, paying an upgrade for my medical conditions and excluding my breast cancer.  When aviva took over they wouldnt insure me at all