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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 2
  • LordWrigley
    My experience of travel insurers in recent years is that the majority are a load of shafting b******s. They dont want to fairly spread or take risks, which is a fundamental part of their business, but they do want to take heavily loaded, in fact ludicrous premiums off the people who need insurance the most. We all contribute to National Insurance and dont pay more because we are sick or have to take medication. Why then can travel insurers not adopt a similar approach? Why? Read my first sentence again. It boils down to the fact that they would rather not have to insure people who might, just might need to put in a claim. You can expect some variance in premiums but they have become completely disproportionate. Its not just old fogeys (yes, I'm one too) who diligently take their blood pressure pills and statins who might, ever so remotely claim but the younger, healthier generation who can easily fall over and break a leg while paralytic. Travel insurers are prejudiced against older travelers and even more so if you are one of the millions who are now prescribed statins and blood pressure medication purely as a PRECAUTION by your GP. Its all wrong and I'm glad it is now being debated by more people.
    • andelainedream
    • By andelainedream 25th Jun 15, 10:19 AM
    • 6 Posts
    • 3 Thanks
    andelainedream
    Finding insurer who will exclude existing conditions
    I've been trying to get cover for my husband who has cancer (though not having symptoms or treatment currently) AND is on medication for high blood pressure and is taking statins (like just about every other man of his age). I am looking for emergency medical cover for anything related to high blood pressure/high cholesterol - I'm not looking for cover for the cancer, which is unlikely to cause a sudden emergency, we're told. I have only found one insurer so far who will cover (all) the pre-existing conditions, and it is very expensive (several hundred pounds). The guide says "If cover is still unaffordable, the price may drop considerably if you ask insurers to exclude some, or all, of your pre-existing conditions". But I can't find any insurers who will cover some pre-existing conditions but not all - are there any?
    Originally posted by Stressed traveller
    I'm having exactly this problem. Had cancer and secondaries and have a few medication-related long-term conditions, none cause any problems, in remission for 15 years. I still see oncologist every 6 months and take medication. Because of high costs of health insurance last year had a 6 policy from Staysure that excluded health. This year they won't do it, saying underwriter's poilicy has changed.
    Anybody know anywhere I can get cheap insurance just for cancellation, baggage etc?

    ....later... now found that I can get budget insurance for 2 week European holiday from Insure and Go for 15, excluding pre-existing conditions.
    Last edited by andelainedream; 25-06-2015 at 12:25 PM. Reason: later development.
    • GlasweJen
    • By GlasweJen 25th Jun 15, 12:06 PM
    • 6,900 Posts
    • 12,447 Thanks
    GlasweJen
    the cheapest insurance I ever had was annual cover through RBS loyalties gold account plus 90 premium to cover pre-existing conditions (and I have a lot).

    Now that my account no longer offers this I'm being quoted upwards of 500 for annual worldwide cover. Really frustrating as the only time I ever claimed on travel insurance was when I got off a bus and walked into a road sign in the USA, cut my head open and needed stitches.
    Bounts, Quidco, Shop and Scan, Receipt Hog, Costco Cashback, Debit card cashback

    NOT BUYING IT
    (unless it's on offer and can get my loyalty points)
    • an1179
    • By an1179 20th Jul 15, 4:05 PM
    • 1,754 Posts
    • 17,156 Thanks
    an1179
    Winter sports with pre-existing conditions and an excellent claims service when we had to cancel due to DD falling down stars and breaking ankle prior to travel

    http://www.foggtravelinsurance.com/
    • admiral_traveller
    • By admiral_traveller 10th Aug 15, 4:36 PM
    • 25 Posts
    • 35 Thanks
    admiral_traveller
    Hi there,
    We are due to go on holiday shortly. We have a non-travelling elderly parent who suffers with high blood pressure but is otherwise fit and healthy and there is currently no reason to think she won't stay like that! I am however conscious of buying travel insurance that will cover us in the event that something does happen and we have to either cancel or curtail our holiday. I have looked at a number of insurers and whilst some look as though they wouldn't cover this - some do say that they are willing to cover if a doctor signs any claim form to indicate that there was no reason for us to not travel.
    Does anyone out there have real life experience of this kind of cover? If so, can you recommend a travel insurance company?
    Thanks!
  • Victor123
    Able 2 travel insurance
    After my heart attack I could not get insurance cover. I eventually found Able to travel. Although I've never made a claim I have found their premiums competitive for either single or annual. I've been with them for over 6 years and every year I compare the market every year. I have several other declarable conditions. The addition for these is 116 for Europe and obviously much more for worldwide.
    Last edited by Victor123; 26-08-2015 at 12:53 PM.
    • AliGee
    • By AliGee 4th Sep 15, 8:42 AM
    • 1 Posts
    • 0 Thanks
    AliGee
    Asthma
    This is the first time I have needed to buy travel insurance since being diagnosed with Asthma, can anyone offer any advice/recommendations of where to buy? Thanks!
    • Doc N
    • By Doc N 4th Sep 15, 9:01 AM
    • 7,080 Posts
    • 19,935 Thanks
    Doc N
    This is the first time I have needed to buy travel insurance since being diagnosed with Asthma, can anyone offer any advice/recommendations of where to buy? Thanks!
    Originally posted by AliGee
    You may find with Asthma that it doesn't affect the premium much - if at all. Try a few of the 'normal' insurers, declare the condition, and see what impact it has.
    • sheramber
    • By sheramber 5th Sep 15, 8:49 PM
    • 7,151 Posts
    • 5,412 Thanks
    sheramber
    We took out single trip travel insurance at the end of July for a trip to Canada later this month.

    In August my husband developed symptoms that our GP decided to refer to a consultant.

    Although he has had an ultrascan which showed no anbormality he has now been given a date for further examination. Unfortunately, this appointment is not until after the holiday so at present he has no definite diagnosis or an all clear.

    Althoug our insurance was taken out prior to these symptoms developing the travel insurance are now saying they will not now cover for any medical conditon apart from accidental injury.

    This seems unfair as the holiday was booked on the strength of being insured for any mediical problem arising after the date of taking out the insurance.

    As a result we must now consider cancelling our holiday and losing our money or risk travelling without medical cover.

    Has anybody been in a similar position?
    • EssexExile
    • By EssexExile 5th Sep 15, 9:02 PM
    • 4,056 Posts
    • 2,963 Thanks
    EssexExile
    If they won't cover the new condition then you can cancel & claim on the insurance, that's what it's there for.

    I'm in the same situation, booked a holiday around christmas last, took out insurance at the time, a week before we went in May I became ill. I told the insurer what was wrong, they said they wouldn't cover it so they sent me claim forms.
    Tall, dark & handsome. Well two out of three ain't bad.
    • Indie Kid
    • By Indie Kid 5th Sep 15, 9:15 PM
    • 21,629 Posts
    • 29,326 Thanks
    Indie Kid
    This is the first time I have needed to buy travel insurance since being diagnosed with Asthma, can anyone offer any advice/recommendations of where to buy? Thanks!
    Originally posted by AliGee
    I went with the post office. I do have additional medical problems that I need cover for though. I paid roughly 30 for one year.
    Sealed pot challenge #232. Gold stars from Sue-UU - 75.29 banked
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    • sheramber
    • By sheramber 6th Sep 15, 12:01 PM
    • 7,151 Posts
    • 5,412 Thanks
    sheramber
    Thanks for your reply. Allowing a claim for cancellation would br great.

    At present we are in discussion with them. As we don't have a diagnosis as such , only investigation for symptoms that are no longer present , They have suggested we contact our doctor to ask if she can give a diagnosis.

    I don't see how she can but we'll see on Monday.

    They have not mentioned claiming for cancelling, only that they will refund the 9 extra payment for pre existing conditions they were covering.

    The position is that my husband is not medically unfit to travel, only that they will not cover an undiagnosed condition which may or may not exist.
    Last edited by sheramber; 06-09-2015 at 12:06 PM. Reason: adding info
    • skavillekrew66
    • By skavillekrew66 26th Oct 15, 11:57 AM
    • 1 Posts
    • 0 Thanks
    skavillekrew66
    My wife and I are having our first holiday abroad next year & we're going to Egypt, could anyone recommend a good Travel Insurance company that is good with pre-existing medical conditions.


    It seems like a minefield of quotes and information as this is our first time it's all a bit intimidating.


    Thank you in advance


    Alan
    • HoofeHearted
    • By HoofeHearted 26th Oct 15, 3:11 PM
    • 2,555 Posts
    • 1,329 Thanks
    HoofeHearted
    Have a read of this MSE article first.
    http://www.moneysavingexpert.com/insurance/pre-existing-travel-insurance?utm_source=MSE_Newsletter&utm_medium=nt-hiya&utm_term=20-Oct-15-v2&utm_campaign=insurance&utm_content=25

    This should give you a heads up.

    If you want a personal recommendation, we use Columbus Direct.
    • EssexExile
    • By EssexExile 26th Oct 15, 4:14 PM
    • 4,056 Posts
    • 2,963 Thanks
    EssexExile
    If you want a personal recommendation, we use Columbus Direct.
    Originally posted by HoofeHearted
    So do we & they just paid out 6000, eventually.

    You just have to try lots of companies to find the one that gives you the best deal. Some won't cover me, some won't cover the wife. Some,including Columbus, cover both of us.
    Tall, dark & handsome. Well two out of three ain't bad.
    • Ferris
    • By Ferris 28th Oct 15, 3:46 AM
    • 467 Posts
    • 116 Thanks
    Ferris
    Is it possible to get cover that excludes existing conditions, but still covers accidents (e.g. broken bones etc)?
    • Doc N
    • By Doc N 28th Oct 15, 7:58 AM
    • 7,080 Posts
    • 19,935 Thanks
    Doc N
    Is it possible to get cover that excludes existing conditions, but still covers accidents (e.g. broken bones etc)?
    Originally posted by Ferris
    Quite possible - the cover will include everything the policy covers, except pre-existing conditions.

    You'd have to be a bit careful, perhaps, about some pre-existing conditions. Osteoporosis, for example, would increase the risk of a broken bone, and although the direct cause might be an accident, the claim probably wouldn't be paid.
    • lynn44
    • By lynn44 28th Oct 15, 4:00 PM
    • 1,073 Posts
    • 505 Thanks
    lynn44
    Insurance for Severe COPD
    Help please
    I have tried all insurance companies in this thread, spent many days trying to get insurance but all decline me
    I'm going to Disneyland Paris next March
    Because i've had couple of hospital admissions and take several inhaler's etc, but not on Oxygen . Still finding it near impossible, I lost my holiday this month to Majorca as only had insurance for cancellation and my ehic card
    Any help please, I have tried British lung and heart foundation links etc and still get NO
    I also have Asthma and having the two with constant chest infection's seem's I'm un insurable

    Medical compare ..... cheapest 800 to 1300 for 5 days french cover
    I'm 49
    Last edited by lynn44; 28-10-2015 at 4:23 PM. Reason: added age
    I would love to be a Travel Agent
    • Doc N
    • By Doc N 28th Oct 15, 4:28 PM
    • 7,080 Posts
    • 19,935 Thanks
    Doc N
    Help please
    I have tried all insurance companies in this thread, spent many days trying to get insurance but all decline me
    I'm going to Disneyland Paris next March
    Because i've had couple of hospital admissions and take several inhaler's etc, but not on Oxygen . Still finding it near impossible, I lost my holiday this month to Majorca as only had insurance for cancellation and my ehic card
    Any help please, I have tried British lung and heart foundation links etc and still get NO
    I also have Asthma and having the two with constant chest infection's seem's I'm un insurable

    Medical compare ..... cheapest 800 to 1300 for 5 days french cover
    I'm 49
    Originally posted by lynn44
    The best advice is probably here, but I'm sure you've already seen it:

    http://www.moneysavingexpert.com/insurance/pre-existing-travel-insurance

    Have you tried talking to a specialist broker?
    • sheramber
    • By sheramber 29th Oct 15, 4:17 PM
    • 7,151 Posts
    • 5,412 Thanks
    sheramber
    Have no experience so not a recommendation but Free Spirit say they can cover COPD

    http://www.freespirittravelinsurance.com/information/breathing-conditions-travel-insurance.aspx
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