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  • FIRST POST
    • Former MSE Rebecca
    • By Former MSE Rebecca 15th Apr 15, 3:47 PM
    • 113Posts
    • 96Thanks
    Former MSE Rebecca
    0 WOW
    Pre-existing Travel Insurance Guide Discussion
    • #1
    • 15th Apr 15, 3:47 PM
    0 WOW
    Pre-existing Travel Insurance Guide Discussion 15th Apr 15 at 3:47 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 18
    • Doc N
    • By Doc N 19th Aug 19, 2:14 PM
    • 7,079 Posts
    • 19,934 Thanks
    Doc N
    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.
    Originally posted by silvercar
    I wonder if itís because youíve, presumably, paid the full holiday cost, and they see the cost of a refund as more costly than taking on the relatively small risk of a medical claim.

    Itís usually in the period between deposit and balance payment that they refuse cover.
    • Oranjeboom
    • By Oranjeboom 25th Sep 19, 9:58 PM
    • 33 Posts
    • 1 Thanks
    Oranjeboom
    EXCLUDING PRE-EXISTING MEDICAL CONDITIONS
    For everyone else here looking to find a policy whereby you can simply exclude certain pre-existing medical conditions without having to phone up the insurer, there are a number of websites that allow you to simply just state which conditions you want to have excluded. Either exclude them from the policy or pay an extortionate premium!
    For example try Avanti travel insurance. I know there are others out there also, but this is the one I used today and saved about £900 for my mum's annual worldwide policy (over 75 with a number of conditions).
    • Doc N
    • By Doc N 25th Sep 19, 10:49 PM
    • 7,079 Posts
    • 19,934 Thanks
    Doc N
    EXCLUDING PRE-EXISTING MEDICAL CONDITIONS
    For everyone else here looking to find a policy whereby you can simply exclude certain pre-existing medical conditions without having to phone up the insurer, there are a number of websites that allow you to simply just state which conditions you want to have excluded. Either exclude them from the policy or pay an extortionate premium!
    For example try Avanti travel insurance. I know there are others out there also, but this is the one I used today and saved about £900 for my mum's annual worldwide policy (over 75 with a number of conditions).
    Originally posted by Oranjeboom
    That is a very risky strategy!

    Firstly, you're obviously excluding something that by definition has a pretty good chance of giving rise to a claim.

    But more importantly, all the insurer has to do is link that excluded condition to something apparently unrelated that gives rise to a claim, and that's excluded as well.

    Insurers are expert at doing that, and will use their expertise to great advantage, excluding conditions that you would have assumed were covered because of some tenuous linkage.

    Cut your premia by this method if you like, but it's a high risk strategy.
    • luci
    • By luci 5th Oct 19, 12:45 PM
    • 5,893 Posts
    • 4,647 Thanks
    luci
    I think companies like World First, Holiday Safe, Boots all use a medical screening system that starts with asking about medication.
    Originally posted by koru
    I appreciate this reply was a couple of months ago, but I have just started researching a replacement for the Nationwide FlexPlus travel insurance.


    Are you aware that all those companies, and more, are part of the TIF Group? Anyone considering them should read the separate thread about TIF on the forum.
    Last edited by luci; 05-10-2019 at 8:32 PM.
    • koru
    • By koru 5th Oct 19, 5:14 PM
    • 1,389 Posts
    • 695 Thanks
    koru
    Are you aware that all those companies, and more, are part of the TIF Group? Anyone considering them should read the separate thread about TIF on this forum.
    Originally posted by luci
    Thanks, I wasn't previously aware of the controversy about TIF. I hope the quotation engine is used by companies outside the TIF group, as I find that it is the only one that asks appropriate detailed questions. I'll have to research next time I need cover.
    koru
    • luci
    • By luci 5th Oct 19, 6:52 PM
    • 5,893 Posts
    • 4,647 Thanks
    luci
    Thanks, I wasn't previously aware of the controversy about TIF. I hope the quotation engine is used by companies outside the TIF group, as I find that it is the only one that asks appropriate detailed questions. I'll have to research next time I need cover.
    Originally posted by koru
    I first became aware of TIF via the BBC News article. https://www.bbc.co.uk/news/business-46274918

    Soon after, MSE quietly dropped Holiday Safe from their "suggested" insurers.

    There are many other companies in the TIF Group, including travelinsurance4medical, Alpha, insurancewith, etc. In fact, when I checked last night, most of the companies on Page 1 of Trustpilot travel insurance reviews, ie those with the highest review score, were part of the group. This is quite worrying as many people may not realise that the 5 star reviews are for the buying process and not for claims. Not only do they ask for reviews, one reviewer said they got constant emails asking them to post as review "which were bordering on spam".

    I am currently researching for worldwide travel insurance with medical conditions which is proving a nightmare as usual. Some are underwritten by a company in Gibraltar (not sure if that's a bad thing or not). One I saw last night was interesting:-

    If you have a pre existing illness and want to make sure that it is covered, you will need to make an appointment to see your GP and seek from him/her confirmation that you are fit to travel on the specific trip and that such confirmation is recorded on your notes
    https://www.globaltravelinsurance.co.uk/faqs

    Can you imagine your GP's reaction if that was the purpose of your appointment?

    Top Dog was a contender, but some of their terms and exclusions are prohibitive to say the least. They even list them as " Significant or unusual exclusions or limitations".

    I'm about to look at Globelink. Does anyone have any input on them?
    Edit - I checked their policy wording and their claims are handled by Rightpath Claims so checked reviews of them. Oh dear. Overall rating of 1.1 stars on more than one review site.

    Any suggestions of sites or companies to try would be appreciated.
    Last edited by luci; 07-10-2019 at 12:17 AM.
    • valry
    • By valry 13th Nov 19, 4:15 PM
    • 1 Posts
    • 0 Thanks
    valry
    metastatic cancer + 72 yrs old and still got good travel+gadget cover for Europe

    Amazed that we were able to get 1 years from AllClear Travel Insurance for Metastatic + Prostate travel insurance for my hubby and me - even a long time on holiday of 55 days for each trip, and with gadget cover for £1672 for Europe - which weirdly includes St Peterburg, All this and my Hubby is 72 yrs old !! So we will be good to go in Canaries, Russia river cruise, and Motorhoming our way around Europe ( even Turkey) etc sounds expensive but time will tell
    • koalakoala
    • By koalakoala 14th Nov 19, 8:08 AM
    • 224 Posts
    • 109 Thanks
    koalakoala
    I've also gone with allclear since being diagnosed with potential problems
    • MoneyMate
    • By MoneyMate 14th Nov 19, 11:23 AM
    • 3,029 Posts
    • 13,687 Thanks
    MoneyMate
    Just be careful with a lot of companies like Allclear they may use Mapfre Assistance for medical problems, absolute nightmare to deal with as you have to deal directly with Mapfre.
    But as mentioned Tif may be worse.
    This link may help you to find out which companies are used for Medical Assistance
    https://www.thatsinsurance.com/
    Last edited by MoneyMate; 14-11-2019 at 11:28 AM.
    There are more questions than answers
    WARNING ! May go silent for unfriendly replies
    Please excuse me Spell it MOST times
    UK Resident
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