New Travel Insurance discussion area

FH_Brit

Mike - I do recommend but this is based on my experiences dealing with their claims dept, and claims here in Florida. Their assistance companies in other destinations I have no experience of, but I have no reason to think they are any different. I think your biggest problem is if they (or any other IC will cover the relatives condition, and if you can find one that will - jump at it! No matter who they are. Just stay clear of any Axa policy or white horse.

To find out who the underwriters are, on a web site it is usually called "Policy Wording", "Important Information", or yo can find it under "Claims' area. The underwriters are usually at the very bottom of this part of the web site - it will say something like "This policy is underwrtten by ........... and are regulated/authorized by the Financial Services Authority" If they are not authorized by the FSA (and bear in mind many foreign insurers are not) don't buy the policy.

FH_Brit

Middle_Sister wrote: »

We have been insured for an annual couple worldwide (incl USA) with Atlasdirect for yonks and last year the premium was £45 and an extra £9.49 each with their medical screening tel line. I have asthma & my husband high blood pressure.
This year Atlas have quoted a renewal of £50 but when I rang their medical screening tel line (which is a new one I think) I have been quoted £91 for the same condition that cost me the £9.49 last year!
How can that be? What a jump! I am 54 and hubby 59 but even though, that's some increase.

Unfortunately as we get older, our health tends to deteriorate, and even if you are as fit as a fiddle, your age alone creates a higher risk and therefore higher policies from the IC's. Try looking at IC's that are specialists in senior travellers (Saga is one). See if anyone can beat your quote.

Remember as a customer you have the choice to go elsewhere - if you do want to change - get new cover before you tell your current insurer that you do not wish to renew. And from what I see here watch out for the auto renewal - you'll need to change (if you want to) before the renewal.

Middle_Sister

FH - thanks for that. Insure for Travel looks the cheapest at £103.18 for worldwide incl USA and £76.97 for Europe. I may go for single trip as its only me travelling in Apr and get an annual Europe policy later in the year. We always used to get the W/W cover but haven't been across the pond for about 3 years!

Have gone with Simple Travel Ins. 0844 412 3109 who are underwitten by Fortis for Couple Europe Multi Trip Annual for £48.99 plus an extra £10 each for our pre-existing medical conditions taking it to £68.99. Not bad. I can ring up at a later date and change to W/Wide if necessary.

Topcat_2

Hi
Not been on for a while but wanted to be a bearer of good news recently discovered.

Beware the wording of the different coverage areas (not sure if this has been mentioned before, apologies if it has)


EUROPE is not usually classified as just Europe on many policies / quote requests - many also include Egypt, and others... so ...when looking for policies always check the section your country falls into - do not assume that you need a Wordlwide policy if travelling oustide Europe (surprising but fantastically true!! )

And also much cheaper!

Hope this is useful

dacouch

FH_Brit wrote: »

Mike - Legally, if you are not diagnosed yet, then you don't have it.
I suggest that you get cover immediately (don't lie, you'll loose out in the long run and it's illegal) but inform the insurer that your relative (and if it aint parent or parent in law - some cover grand parents too - it's unlikely that they'll cover it). Do it NOW, the longer you leave it the less chance you'll get cover - Tell the IC that your relative has a test result pending, and you may have to tell them what illness the test is for, as some illnesses will not be covered at all.

I think you got a "job and a half" buit good luck and keep us informed.

It will exclude undiagnosed conditions eg a condition where the Doctor is investigating the symptons

FH_Brit

dacouch wrote: »

It will exclude undiagnosed conditions eg a condition where the Doctor is investigating the symptons

DA - Yeah that's why I said they'd probably ask what illness. But (I am sure you'll agree) different IC's may look differently at certain conditions. And as the undiagnosed condition itself could be a condition that may be "excused" by the IC in the first place?

Not_a_Newbie

Posted this on the insurance board, but just wanted everyone to be aware of this insurance company, please go to my other thread.

http://forums.moneysavingexpert.com/showthread.html?p=31335735&posted=1#post31335735

Not_a_Newbie

mikeriley wrote: »

many thanks for the feedback! Any thoughts on the policies i mentioned above?

Yes don't touch the AA with a barge pole!

Cydee

I am an expat living in an EU country (Cyprus). Can anyone recommend a reasonable insurance for me? Most of my holidays are spent in the Uk and yes, I do have EHIC but, as has been said, it doesn't cover for luggage, repatriation etc.

FH_Brit

Not_a_Newbie wrote: »

Yes don't touch the AA with a barge pole!

Bad Advice - you were in the wrong - see my post on your linked posting.

OTHER READERS - from my vast experience with travel insurance claimd Drakefield (and the AA) are as good as most (not top rated but far from bottom).

This poster has decided to blame the AA and Drakefield because they did not follow the T&C's of their policy (and in this case the T&C's of EVERY travel insurance policy).

Learn a Lesson - If something is stolen on Holiday you MUST report it to the Police and get a crime numbner/reference or your insurer will not pay out the claim. This is a condition of EVERY policy (that I've seen anyway).