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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 3
    • Foulksie
    • By Foulksie 22nd Dec 15, 2:48 PM
    • 2 Posts
    • 2 Thanks
    Foulksie
    Nationwide Flexplus Insurance
    I have Nationwide Flexplus travel insurance and had paid for Pre-existing medical conditions of high blood pressure and Cholesterol both managed by medication. Assuming I was well covered, I have booked a number of family holidays in 2016, but unluckily had a heart attack last Friday (18 December).
    Luckily I was rushed into hospital and had and angioplasty and stent so will hopefully be fine.
    My Heart Consultant has told me that I will be fit to travel on my planned holidays.
    I phoned Nationwide Insurance to tell them that I had a heart attack, but would be OK to travel on my booked holidays on the mistaken understanding that as I had already booked and paid for holidays before my heart attack I would be covered! No chance! Basically they have declined to cover me from coronary conditions, but because I have been declared fit for travel, willl not re-imburse me for the thousands of pound I have already paid for holidays.
    One of these is to Denver in the USA in August.

    Basically they say it is my responsibility to find alternative cover or I should travel without heart insurance.

    Who would travel to the USA without medical cover for a heart condition when you know you have one?

    What is the point of paying for Travel Insurance?

    It defies belief and to my mind is an immoral stance by the Insurance company, as they have been kept perfectly up to date with all the risks.

    An earlier post implies that if you cancel your holiday they will have to re-imburse you, but how can you do that if you have been given medical clearance to travel? They would not accept that as a valid cancellation clause.

    I am extremely angry and have posted a complaint to Nationwide Insurance that I am not satisfied with their stance.
    • Foulksie
    • By Foulksie 22nd Dec 15, 3:24 PM
    • 2 Posts
    • 2 Thanks
    Foulksie
    OK - problem is talking to 2 different parts of Nationwide Insurance.

    I was talking to Sales, but I needed to talk to Claims too.

    Basically due to my new condition I am entitled to a refund of money paid for booked holidays, they just will not offer cover if I want to travel.

    My best solution is to wait until I am liable to have to make further payments on my holiday, and if I can't get adequately priced cover, cancel and claim.
    • Clgreen
    • By Clgreen 30th Dec 15, 12:03 AM
    • 1 Posts
    • 0 Thanks
    Clgreen
    I had an operation back on 5th August, in hospital overnight, no problems or issues 5 months later and don't expect there to be. This was pre planned elective surgery, I was not ill! Do I have to declare this and if so, which insurers are best to get a quote from for a one off 3 week trip to Australia. Thank you.
    • Doc N
    • By Doc N 30th Dec 15, 5:23 AM
    • 6,997 Posts
    • 19,846 Thanks
    Doc N
    I had an operation back on 5th August, in hospital overnight, no problems or issues 5 months later and don't expect there to be. This was pre planned elective surgery, I was not ill! Do I have to declare this and if so, which insurers are best to get a quote from for a one off 3 week trip to Australia. Thank you.
    Originally posted by Clgreen
    Probably not - but it depends on the insurer and the questions asked. You need declare it only if there's a specific question which can only be answered honestly by disclosing it.
    • katejo
    • By katejo 9th Jan 16, 12:22 PM
    • 3,173 Posts
    • 1,242 Thanks
    katejo
    The policies which I have browsed recently all state that you must declare any hospital treatment/referral in the past 2 years (except accident and emergency). Not sure why they leave A & E out. I fractured my wrist last July but it is healed now and not causing me any problems so I am reluctant to declare it now.
    • izzythedram
    • By izzythedram 19th Jan 16, 4:14 PM
    • 2 Posts
    • 0 Thanks
    izzythedram
    Hi there, I would be really grateful if anyone could confirm the pregancy advice given in the guide. Is it really correct that you are not expected to disclose a known pregnancy, and that you will be covered nonetheless up to 37 weeks?? Could anyone quote chapter and verse or experience on this? Cheers!
    • EssexExile
    • By EssexExile 19th Jan 16, 5:18 PM
    • 3,852 Posts
    • 2,785 Thanks
    EssexExile
    From Columbus Direct:
    Pregnancy is not a medical condition. You may
    decide to travel until you are quite late into your
    pregnancy. Airlines and ferry/shipping companies
    including cruise liners have their own restrictions
    due to health and safety requirements. You should
    check with them or any other mode of transport
    you propose to take before you book. Please make
    sure that your medical practitioner and midwife
    are aware of your travel plans, that there are no
    known complications and that you are not
    travelling against any medical advice. We have the
    right to request a medical certificate to confirm
    this. We will only pay claims due to a complication
    of pregnancy, or where you were unaware of the
    pregnancy at the time of purchasing the insurance
    and you are advised not to travel by a medical
    practitioner.
    Tall, dark & handsome. Well two out of three ain't bad.
    • bleeper999
    • By bleeper999 27th Jan 16, 8:35 AM
    • 5 Posts
    • 1 Thanks
    bleeper999
    Pre-existing medicals
    Hi, I have found Avanti to be the cheapest with good cover for the last 2 years. I bought annual insurance both times - I visit the USA a lot, so I worry about needing medical treatment for my heart condition. However, you never know how good a company is until you need to make a claim, and so far I havent needed to!!
    Avanti was 500 pa cheaper than the nearest rival, but still cost a helluva lot!!
    Better than the alternative tho!
    • PeggyRim
    • By PeggyRim 6th Feb 16, 11:25 AM
    • 1 Posts
    • 0 Thanks
    PeggyRim
    Has anyone used Swiss assist repatriation service as alternative to expensive travel insurance for multiple pre existing medical conditions
    • elisebutt65
    • By elisebutt65 6th Feb 16, 12:32 PM
    • 3,793 Posts
    • 7,289 Thanks
    elisebutt65
    American Express are currently offering 23% cashback via Quidco. This covered the extra tenner I had to pay to cover my BC from 3 years ago: on tablets (AIs) now, for a 12 day cruise. 53 single trip for OH & I.
    Noli nothis permittere te terere
    Bad Mothers Club Member No.665
    Student MoneySaving Club member 026! Teacher now and still Moneysaving

    • carrotmuseum
    • By carrotmuseum 17th Feb 16, 2:58 PM
    • 17 Posts
    • 4 Thanks
    carrotmuseum
    Long term conditions
    Heart attack followed by angio and stents.

    No incidents ever since, and no claims, despite being around the world twice!
    Are there any insurance companies who recognise that some people are fixed? or have no claims discount? My consultant, who I last saw in 2011 !! said there was almost no chance of a recurrence. I run marathons, and hike up to 20 miles.

    Also I take blood pressure medication when my BP has NEVER been high. The doctors just seem to prescribe "standard" drugs for those with heart issues.
    • katejo
    • By katejo 17th Feb 16, 6:28 PM
    • 3,173 Posts
    • 1,242 Thanks
    katejo
    Try Insure & Go. i have just paid for a policy so I am familiar with their medical questions. You only have to declare heart related conditions if you have received treatment in the past 2 years or if you have had a hospital referral in the past year. You would have to declare the blood pressure treatment as it is current.

    You could perhaps tell them that the blood pressure treatment is only due to the heart attack which is more than 2 years ago.
    Last edited by katejo; 17-02-2016 at 6:32 PM.
    • LittleMax
    • By LittleMax 20th Feb 16, 12:07 AM
    • 1,293 Posts
    • 1,956 Thanks
    LittleMax
    We have found OK to Travel to be reasonable with premiums for pre-existing conditions, and easy to complete much of the screening information online. However we have not had cause to claim so (fortunately) I am unable to comment on how good they are when it comes to paying out.

    We found them through All Clear Insurance a comparison site for pre existing medical conditions.

    I have also been recommended to Insurance With and have a note to try them for a quote next time we go away.
    • Saffycatsdad
    • By Saffycatsdad 5th Mar 16, 5:42 AM
    • 4 Posts
    • 18 Thanks
    Saffycatsdad
    Found some great cover for trip to Bermuda
    This travelling with medical conditions is a nightmare. On paper I look like I should be dead - lol! I have several fairly major conditions including Diabetes, have had several spine operations and have another operation coming up soon. The vast majority of 'specialist' insurers wouldn't touch me, mainly because of the impending surgery. I did eventually come across Good To Go Travel Insurance who quoted me 428 for the week to Bermuda, which although astronomical I was at least relieved that I could still travel. I almost went ahead and booked it but thankfully came across a company called CIGNA Travel Insurance. They have been around for a while and have great write ups. I ran all of my conditions through their system and for unlimited medical and repatriation cover I've ended up paying 272.00 for my weeks trip. Chuffed or what?! Definitely worth a look if you are travelling longhaul and struggling to find a policy that will cover you. Fingers crossed I don't need any medical attention while away.
    • peat
    • By peat 15th Mar 16, 7:49 AM
    • 471 Posts
    • 94 Thanks
    peat
    Am I still covered
    I had been in a joint policy with my wife for annual cover with no pre-existing conditions. In October of last year I was diagnosed with high blood pressure and so took out a separate annual insurance policy for myself and declared high bp as a pre-existing condition. I have since read on another forum that this was the wrong thing to do as I would still have been covered under my previous joint policy as the statement I made (no pre-existing condition) was valid at the time.

    I have since been diagnosed with prostate cancer is it necessary for me to inform the insurance company or can I wait until the renewal date?
    • Doc N
    • By Doc N 15th Mar 16, 8:04 AM
    • 6,997 Posts
    • 19,846 Thanks
    Doc N
    I had been in a joint policy with my wife for annual cover with no pre-existing conditions. In October of last year I was diagnosed with high blood pressure and so took out a separate annual insurance policy for myself and declared high bp as a pre-existing condition. I have since read on another forum that this was the wrong thing to do as I would still have been covered under my previous joint policy as the statement I made (no pre-existing condition) was valid at the time.

    I have since been diagnosed with prostate cancer is it necessary for me to inform the insurance company or can I wait until the renewal date?
    Originally posted by peat
    Almost certainly (depending on the wording of your particular policy) you'll need to declare this before booking or taking another overseas trip.

    However, as the policy is already in existence any cancellation charges incurred as a result of a refusal to provide you with cover should be refunded as the policy is already in existence.

    Hope you get the medical issues resolved satisfactorily.
    • Robert Slade
    • By Robert Slade 6th Jun 16, 11:00 AM
    • 1 Posts
    • 0 Thanks
    Robert Slade
    I am over 65 with medical conditions - non of which are an issue when it comes to travelling. I was not able to get insurance from most of the recommended insurers on your site. The only one who would insure me wanted 160 for a 4 day trip to Switzerland. I was able to get a yearly policy through Age UK for less.
    • DUKE
    • By DUKE 7th Jun 16, 7:21 AM
    • 7,237 Posts
    • 340,168 Thanks
    DUKE
    Nationwide who previously wouldn't insure me offered to cover me for bladder cancer for just 156 for 2 of us worldwide. I can't understand why they would suddenly do this as I still have it, maybe someone educated them. Breast cancer which I had 6 years ago no longer comes into it either, wippeee!
    Last edited by DUKE; 07-06-2016 at 7:25 AM.
    Thanks everyone!
    • Superbladesman
    • By Superbladesman 7th Jun 16, 9:33 PM
    • 3 Posts
    • 0 Thanks
    Superbladesman
    It is never a good idea to wait to the last minute
    The following is a quote from the guide, good advice you would think, but is it always the case.


    "It is never a good idea to wait to the last minute when you are buying travel insurance but this is even more important if you have pre-existing conditions because it may take a bit longer to get it sorted".


    Consider the following:-
    Cruise holiday for December 2016 booked deposit paid 857.00, insurance quotes start at 1000.00 as we are travelling as a couple and both have multiple medical conditions. This is surely a bad investment better to wait until full payment is due, could even be cheaper!
    • Doc N
    • By Doc N 7th Jun 16, 9:53 PM
    • 6,997 Posts
    • 19,846 Thanks
    Doc N
    The following is a quote from the guide, good advice you would think, but is it always the case.


    "It is never a good idea to wait to the last minute when you are buying travel insurance but this is even more important if you have pre-existing conditions because it may take a bit longer to get it sorted".


    Consider the following:-
    Cruise holiday for December 2016 booked deposit paid 857.00, insurance quotes start at 1000.00 as we are travelling as a couple and both have multiple medical conditions. This is surely a bad investment better to wait until full payment is due, could even be cheaper!
    Originally posted by Superbladesman
    Could be dearer, of course - or unobtainable. And at least purchased now it would cover the deposit. Have to say, though, that faced with that sort of premium I'd be staying in the UK.
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