Sensible travel medical cover

JM2026

Does anyone know of a travel insurance company or broker who can use medical knowledge and common sense in assessing applicants with complex medical conditions, instead of the usual tick-box approach? My problem is the blanket policy of not covering anything that is awaiting diagnosis. I am waiting for tests/consultations for two such issues, for which I can't get cover. I understand why insurers do this, but - being a doctor myself - I know the possible range of diagnoses, and feel that if a doctor assessed my application they might offer cover, although perhaps at a higher premium. I know it's a forlorn hope, but just asking!

MyRealNameToo

Travel insurance can be bought for under £20, as a doctor how much do you charge for doing a medical report? Then factor in probably less than 1 in 10 quotes result in a sale Our GP charges something like £150 so the base price of your insurance would have to go up by £1,500-£3,000 just to cover report costs and thats not factoring in the cost of someone reviewing the report and interpreting it.

Search on this forum, here and the insurance section, people do occasionally find someone willing to cover them with an undiagnosed condition but that does exclude that condition and related until there is a formal diagnosis.

If it's your only condition you could go with one of the few that exclude all conditions.

These days I work in the Lloyds of London insurance market and significant proportion of risks underwritten do have experts reviewing paperwork, reports being considered or commissioned etc but then the average premium is a six figure sum so it can carry the cost and these types of risks dont get passed around a hundred different insurers

Woodstok2000

Have you tried Staysure and AllClear?

luci

https://forums.moneysavingexpert.com/discussion/6672296/sensible-travel-medical-cover

I doubt that any insurer will cover an undiagnosed condition, as they don’t know the risk they would be taking on.

I’ve done extensive research trying to get an insurer that would cover me. The only one that did was AllClear. I believe they can cover conditions, excluding the undiagnosed condition, but you need to call them rather than get a quote online.

These are links to specialist medical insurers and brokers that may be able to help.

https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory

Medical Cover Firm Directory

https://www.biba.org.uk/find-insurance/travel-medical-conditions/

“If you'd prefer, you can also call them on 0370 950 1790. Their opening hours are Mon - Fri 9am - 5:30pm.”

Travel Medical Directory:

PJ Hayman www.pjhayman.com 02392 419 080

Thomas Carroll (Brokers) https://www.thomascarroll.co.uk/

Rothwell & Towler / Travel Insurance 4 Medical www.travelinsurance4medical.co.uk

marcia_

I use stay sure that cover my multiple complex medical conditions as well as husbands 2 and my son autism. Need to go through their medical assessment form but they have always covered all conditions

luci

https://forums.moneysavingexpert.com/discussion/comment/82033345#Comment_82033345

Staysure wouldn't even give me a quote.

marcia_

https://forums.moneysavingexpert.com/discussion/comment/82033362#Comment_82033362

are you still undergoing investigations? That is usually a no from everyone

luci

https://forums.moneysavingexpert.com/discussion/comment/82033373#Comment_82033373

No, I'm not under investigation.

I have a brain condition which puts me at a higher risk of stroke or heart attack. Apparently, it's quite common and is usually found when looking for something else. Mine was found by accident when I had an MRI brain scan looking for a tumour on my pituitary gland, which they didn't find. I take no treatment or medication for it and it's not being monitored. I feel I'm being penalised for something I haven't had, while people who have actually had a stroke or heart attack can get insurance. I'd been in hospital in Tenerife with pneumonia for 2 weeks, but AllClear still quoted.

itsthelittlethings

We used Allclear for 2 people with medical conditions.

heatherw_01

Allclear and staysure are the top 2 that cover medical conditions that others might not.

luci

https://forums.moneysavingexpert.com/discussion/comment/82033629#Comment_82033629

AllClear covered me, but Staysure declined to quote.