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  • FIRST POST
    • Former MSE Rebecca
    • By Former MSE Rebecca 15th Apr 15, 2:47 PM
    • 113Posts
    • 96Thanks
    Former MSE Rebecca
    0 WOW
    Pre-existing Travel Insurance Guide Discussion
    • #1
    • 15th Apr 15, 2:47 PM
    0 WOW
    Pre-existing Travel Insurance Guide Discussion 15th Apr 15 at 2:47 PM


    Hi,

    We've written a new pre-existing travel insurance guide for the website and we'd love your feedback.

    How did you find the info? Was it useful? Do you have any other tips you would add?

    Thanks for your help,

    MSE Rebecca
Page 17
    • Quentin
    • By Quentin 21st May 19, 7:08 PM
    • 40,488 Posts
    • 24,484 Thanks
    Quentin
    Whenever you are not happy with your insurance company the route to go down is a complaint in line with their complaints procedure

    Then if you are not happy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication at no cost to you
    • Mtbman
    • By Mtbman 21st May 19, 7:43 PM
    • 1 Posts
    • 0 Thanks
    Mtbman
    I have a similar situation as a 67 year old on a single trip travel insurance policy taken out in January for a trip next November where I declared my heart condition. Now I have just been diagnosed with cancer and need an operation which will take place in the next 2 weeks. There is a good chance that I will be fit to travel in November. My policy says that I must inform them of any new medical condition and I will do this. However I am concerned what their response will be. Ideally I would like them to say that if I need to cancel at a later date due to this new condition then I will be able to claim a refund, and that if I am fit to travel they will expect an additional premium payable before I go. However I suspect that this will not be the case and they will either insist on excluding the new condition or want an additional premium immediately. Does anyone have experience of a similar situation and what type of response that they got? My insurance is with Holiday Risk.
    • MarthaM
    • By MarthaM 2nd Jun 19, 9:54 AM
    • 7 Posts
    • 2 Thanks
    MarthaM
    When shopping for anything I like to look at online reviews. TrustPilot gives 5 stars to several companies specialising in pre-existing conditions.
    Yet when you read the reviews it's clear that they are all about the purchase and never about the claims process. It's very easy to give 5* when you have gone online and got a good price but that tells me nothing about the claims experience should the worst happen.
    • hamski
    • By hamski 16th Jul 19, 2:32 PM
    • 37 Posts
    • 4 Thanks
    hamski
    Can't see any mention of this any where on forums ,
    Have just received a letter asking for £60 to cover pre existing conditions from nationwide flex plus that were previously not charged for(high blood pressure,thyroid,asthma) nothing very serious and under control .
    Add to this to annual fee and it becomes not very competitive (for me) looking for a non fee insurer as going to leave nationwide.Anyone have alternative recommendation
    • misteraei
    • By misteraei 19th Jul 19, 1:59 PM
    • 1 Posts
    • 1 Thanks
    misteraei
    Travel insurance with pre existing medical conditions
    To all those looking for affordable travel insurance with pre existing medical conditions
    I have stage 4 cancer and have been treated with chemotherapy, after my treatment was complete I was desperate to get away for a break so with my consultants consent my wife and I decided to go to Spain for a One week break, we booked the hotel, flights and transfers so now needed to get some travel insurance.
    After having asked MacMillan Cancer Support at the hospital if they have any recommendations they just gave me a booklet about travel (waste of time) so I got on the web and tried Cancer research UK witch have a list of special pre existing medical travel insurance companies which I thought would be suitable for me as they are on their web site so I began the laborious task of going through the list trying to get a competitive price for some insurance. ‘’What an absolute joke’’ some of the quotes from the mainstream providers who promote their service in dealing with pre-existing medical conditions where more than the holiday itself ‘’total rip off’’ until I came Across WORLD FIRST at last a sensible travel insurance company with a good range of cover at a great price so our trip was made possible without having to sell the house to pay for it, however I can’t comment on their claims process simply because I didn’t need to use them.
    Also in their favour I filled out the application form online but there where a couple of questions which I didn’t fully understand the medical terminology of so not wanting to give an insurance company a get out opportunity should I need to claim I called there phone number and spoke with a very helpful person who went through my application with me to make sure everything was correct and in order what more can I say ‘fantastic’ wouldn’t hesitate to use them again so well done and many thanks to World First for making my trip affordable and possible.
    Hope this review helps some of you with your journey good luck.
    • Pemsbaggie
    • By Pemsbaggie 19th Jul 19, 3:37 PM
    • 1 Posts
    • 0 Thanks
    Pemsbaggie
    Medication led questionnaire
    The previous article referred to an insurer that used a medication led rather than the usual condition led questionnaire. I did not take note at the time of who they were and this info is not in your recent article. Who are they please?
    • koru
    • By koru 20th Jul 19, 2:38 PM
    • 1,366 Posts
    • 691 Thanks
    koru
    The previous article referred to an insurer that used a medication led rather than the usual condition led questionnaire. I did not take note at the time of who they were and this info is not in your recent article. Who are they please?
    Originally posted by Pemsbaggie
    I think companies like World First, Holiday Safe, Boots all use a medical screening system that starts with asking about medication.
    koru
    • harz99
    • By harz99 27th Jul 19, 10:29 AM
    • 2,892 Posts
    • 2,848 Thanks
    harz99
    To all those looking for affordable travel insurance with pre existing medical conditions.........


    ..........some of the quotes from the mainstream providers who promote their service in dealing with pre-existing medical conditions where more than the holiday itself ‘’total rip off’’ until I came Across WORLD FIRST at last a sensible travel insurance company
    Originally posted by misteraei
    Snipped the original message to keep relevant to my comments.

    I have a few pre existing medical conditions, and my annual travel insurance is via a packaged Nationwide Flexplus account plus supplements for extended cover . The impending (November) removal of interest from this account which offset nearly 50% of the standard monthly packaged account fee of £13 has made me look around for an alternative travel insurance provider.

    I tried World First whom you mentioned above and they came out at around £250 more than via Nationwide Flex Plus, the likes of MIA and Orbis whom are specialist in pre existing topped World First by another £150 or so and the regular companies via comparison sites were another £175 or more again.

    So thanks, but it looks as though i'll be sticking with my Nationwide Flexplus even though it'll effectively cost slightly more from November.

    Very best wishes regarding your ongoing health.
    Last edited by harz99; 27-07-2019 at 10:31 AM.
    • HoofeHearted
    • By HoofeHearted 28th Jul 19, 9:58 AM
    • 2,545 Posts
    • 1,326 Thanks
    HoofeHearted
    Have you tried Aviva? For several years now, I have found that they are the cheapest for pre-existing travel insurance.
    Now this may be due to my discount for having Travel, Car x2 and House Insurance with them.
    • hamski
    • By hamski 28th Jul 19, 8:31 PM
    • 37 Posts
    • 4 Thanks
    hamski
    Nationwide alternative
    Have had a look around now for alternatives to nationwide and found stay sure to give me the best quote for European cover.
    Had not heard about the change of interest from November, even more reason to look elsewhere
    • MarthaM
    • By MarthaM 29th Jul 19, 3:29 PM
    • 7 Posts
    • 2 Thanks
    MarthaM
    Has anyone cancelled travel insurance because of illness? I paid for an upgrade on my flex plus a month ago and have now received a diagnosis which means I won't be travelling for some time. Is it too much to hope for a refund?
    I'll be cancelling in November anyway when the stop the interest.
    • jouef
    • By jouef 6th Aug 19, 6:43 PM
    • 97 Posts
    • 44 Thanks
    jouef
    no need to notify new conditions with some insurers
    #322
    ... My policy says that I must inform them of any new medical condition and I will do this. However I am concerned what their response will be...
    Originally posted by Mtbman
    #331
    Has anyone cancelled travel insurance because of illness? I paid for an upgrade on my flex plus a month ago and have now received a diagnosis which means I won't be travelling for some time. Is it too much to hope for a refund?
    Originally posted by MarthaM
    I usually choose one of the few providers who do NOT require notification of new conditions arising during the policy period. They automatically cover them, as long as medical advice is that you are still fit for travel (if advice is against travelling, cancellation cover applies).
    • Doc N
    • By Doc N 7th Aug 19, 8:03 AM
    • 6,998 Posts
    • 19,847 Thanks
    Doc N
    #322

    #331

    I usually choose one of the few providers who do NOT require notification of new conditions arising during the policy period. They automatically cover them, as long as medical advice is that you are still fit for travel (if advice is against travelling, cancellation cover applies).
    Originally posted by jouef
    As you say, it’s a small number now, but a much better product.

    Once upon a time all policies were written that way.
    • jouef
    • By jouef 8th Aug 19, 2:00 PM
    • 97 Posts
    • 44 Thanks
    jouef
    no need to notify new conditions with some insurers
    #333 ... Once upon a time all policies were written that way.
    Originally posted by Doc N
    Thanks, I did not know that. I only realised the issue myself while reading the T&Cs of policies the comparison sites returned in my search. On a different matter, the cheapest three policies - for a beach holiday - respectively covered: (i) no swimming in the sea, (ii) swimming within 50 metres of the shore, and (iii) swimming within 12 miles of land! No mention of such variation, or indeed the variation in covering new conditions, in the comparison results, which were therefore of limited use.

    The MSE article appears incorrect in saying: "If you currently have a policy but later develop a medical condition, you need to tell your insurer immediately ... it will not be included as part of your policy, "as this is usually but not always the case. As you say, the exceptions are better products. We should be better informed about them.
    • harz99
    • By harz99 10th Aug 19, 3:58 PM
    • 2,892 Posts
    • 2,848 Thanks
    harz99
    #322

    #331

    I usually choose one of the few providers who do NOT require notification of new conditions arising during the policy period. They automatically cover them, as long as medical advice is that you are still fit for travel (if advice is against travelling, cancellation cover applies).
    Originally posted by jouef
    And who are they?
    • jouef
    • By jouef 11th Aug 19, 12:53 AM
    • 97 Posts
    • 44 Thanks
    jouef
    no need to notify new conditions with some insurers
    And who are they?
    Originally posted by harz99
    I hesitate to name particular insurers, as this seems to be a minefield. T&Cs differ wildly, as do we customers' needs. I can only suggest reading the T&Cs of policies returned by comparison site searches, as I do. This is very laborious, but also necessary for other reasons (eg my example of policies not covering swimming in the sea over 0, 50 metres or 12 miles from the shoreline). I was alerted to the reporting issue when I once saw a doctor just before a trip, then spent all day trying to get through to report it in time to preserve my cover. There can also be a timing issue for annual policy renewals (eg reporting a new condition arising after booking a trip which takes place after the next renewal). I prefer single-trip, and will avoid the cheapest if necessary to get adequate cover. I want to make sure I get the fairest approach to risk of both pre-existing and new conditions. I am currently with LV=.
    • Puffin123
    • By Puffin123 17th Aug 19, 10:35 AM
    • 1 Posts
    • 0 Thanks
    Puffin123
    Can't see any mention of this any where on forums ,
    Have just received a letter asking for £60 to cover pre existing conditions from nationwide flex plus that were previously not charged for(high blood pressure,thyroid,asthma) nothing very serious and under control .
    Add to this to annual fee and it becomes not very competitive (for me) looking for a non fee insurer as going to leave nationwide.Anyone have alternative recommendation
    Originally posted by hamski
    I've had a similar problem with Nationwide FlexPlus- at renewal I've been told it'll now cost me £90 to cover my existing medical conditions of mild asthma, polycystic ovaries and hayfever!? I literally only take 1 inhaler and monthly medication to manage heavy periods...and then just meds for my hayfever. All completely well-controlled.

    I was thinking of keeping the annual cover, as it's shared with my partner, and his cover is fine...but then might take out an additional single policy just before any trips. I've never had an asthma attack, but I'm paranoid I'll end up having one abroad if I'm not covered (sods law!).

    Do you think this would work, as the annual cover will cover me for cancellations etc beforehand and most other things?
    • jouef
    • By jouef 18th Aug 19, 12:12 AM
    • 97 Posts
    • 44 Thanks
    jouef
    #337 I was thinking of keeping the annual cover, as it's shared with my partner, and his cover is fine...but then might take out an additional single policy just before any trips ... Do you think this would work, as the annual cover will cover me for cancellations etc beforehand and most other things?
    Originally posted by Puffin123
    You may need to formally request that Nationwide exclude your conditions, otherwise they might regard you as having withheld information and refuse even an unrelated claim. They would not cover cancellation due to such a condition, so alternative cover would be necessary from booking. In any claim, you would have to declare the other insurer; as they are both on risk, they may share liability. You could cut the premium where possible by reducing or opting out of anything covered by Nationwide.
    Last edited by jouef; 18-08-2019 at 12:14 AM.
    • jouef
    • By jouef 19th Aug 19, 12:09 PM
    • 97 Posts
    • 44 Thanks
    jouef
    #338 In any claim, you would have to declare the other insurer; as they are both on risk, they may share liability.
    Originally posted by jouef
    And might this also mean paying each company's excess on their proportion, reducing any payout?
    • silvercar
    • By silvercar 19th Aug 19, 12:15 PM
    • 39,283 Posts
    • 163,173 Thanks
    silvercar
    I want to report a positive outcome.

    We have annual travel insurance through our NatWest bank account. OH recently had a heart stent fitted and we are due to go on holiday in a couple of weeks.

    I phoned the insurer to pre-declare the medical condition and they were happy to provide cover as we had booked the holiday before OH had any symptons. Even better there is no extra premium to pay.

    For future holidays, they may charge a premium or decline cover, but for now we are covered for this holiday.
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