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    • springburn
    • By springburn 22nd Feb 18, 4:41 PM
    • 11 Posts
    • 2 Thanks
    springburn
    springburn
    My wife and I are over 80. We go to Spain twice a year for two months at a time. Previously my NatWest bank account covered our insurance requirements. Bank charges and age uplift for insurance total 474.00.
    My wife has a declared condition = hypertension. I now have asbestosis. I do not take any medication and my wife has one Adalat daily. We can no longer find an insurer. As we both have our EHC card the only major worry would be the repatriation costs in case of a death. Has anyone else on the forum had this problem? I wonder if it is possible to insure against a single event to cover only the cost of repatriation?
    • Chordeiles
    • By Chordeiles 7th Apr 18, 8:44 PM
    • 111 Posts
    • 51 Thanks
    Chordeiles
    Stuffed by choosing multi-trip (annual) insurance
    On this very thread I started (in July 2017) a bit of a discussion about (what looked to me) like a possible drawback of annual multi-trip insurance. It struck a chord with quite a few others.
    Little did I know at that time how the problem would come back and bite me personally ! Here's a timeline :

    March 2017 - Booked very expensive Holiday in Asia (for Jan 2018) and also a mildly expensive holiday in Europe (for June 2017).

    April 2017 - Took out annual multi-trip cover with LV=.

    May 2017 - Booked an inexpensive holiday in Europe (for April/May 2018).

    June 2017 - We took our pre-booked holiday in Europe, no problems, enjoyed it immensely.

    September 2017 - In some trouble with knee pain - not a problem I'd experienced before.

    November 2017 - Knee pain takes a significant turn for the worse, seek medical advice.

    January 2018 - MRI scan shows "torn and displaced meniscal cartilage". Pain explained !

    January 2018 - I consider cancelling the expensive Asian holiday. Doctor would have supported this decision so would have been an insurance claim. In the event I decided to "tough it out" and went on the holiday. Still not sure if correct decision, enjoyed the holiday up to a point but was certainly prevented from getting the maximum out of it.

    April 2018 - Invited by LV= to renew annual policy. Up more than 25% on previous year's premium, presumably mostly because the wife and I are a year older. Of course I'd need to renew if I wanted to claim for cancellation of my inexpensive holiday later in the month. A call reveals that any new condition that occurred during the past year must be declared NOW or else my cover would exclude it.

    Thus I must declare my damaged knee. This will result in a requote. Realising that it's a condition that could easily result in cancellation of my upcoming holiday I can imagine the premium will look a lot like the cost of the holiday !

    So it's just another example of the old adage "heads the insurer wins, tails you lose".

    Of course if I'd gone for a separate policy for each trip then I'd automatically be covered for my upcoming holiday, as the condition has occurred since I booked the trip (and would have bought the insurance).

    So it's certainly something worth bearing in mind when choosing holiday insurance.

    Right now I'll be booking no new significant holidays until the NHS sort out my knee. Lord knows when that will be, the orthopaedic surgeon talks about a knee replacement "in the fullness of time", but right now I can't walk very far. So an annual multi-trip policy makes no sense for me at the moment.

    I'll probably go on my holiday later this month, covered by a single-trip policy that of course will not cover my knee problem. Grin and bear it !
    • jonesMUFCforever
    • By jonesMUFCforever 7th Apr 18, 11:13 PM
    • 25,173 Posts
    • 12,430 Thanks
    jonesMUFCforever
    ''Grin and bear it'' is a stupid idea IMO. What if something serious goes wrong and you are hospitalised?

    Make sure you are properly insured would be my suggestion even if it costs a little more.
    What goes around - comes around
    give lots and you will always receive lots
    • Chordeiles
    • By Chordeiles 8th Apr 18, 8:40 PM
    • 111 Posts
    • 51 Thanks
    Chordeiles
    What if something serious goes wrong and you are hospitalised?
    Originally posted by jonesMUFCforever
    But my knee is a known quantity now. It hurts and thereby stops me walking as far as I like. If I end up in hospital the reason will almost certainly be elsewhere.

    I'm well used to travelling without declaring a pre-existing condition. I'm a prostate cancer "survivor", the head oncologist at the hospital where I received radiotherapy told me herself "you shouldn't be paying any extra for travel insurance, as far as we're concerned we have fixed you". These words were good to hear (but in real life I do have to manage a few side effects of radiotherapy). If I tell the insurance company this story they will load my policy. But I know that it won't be this history that messes up my trip, so I'm happy to take cover that excludes it.

    Happily with LV= if you don't declare pre-existing conditions it doesn't invalidate the whole policy, it's just problems associated with pre-existing conditions that are excluded from cover.

    Life is full of risks, this is a tiny one that I'm happy to take.
    • gromituk
    • By gromituk 18th Apr 18, 2:58 PM
    • 3,031 Posts
    • 540 Thanks
    gromituk
    Leisure Guard Lite is illegally misusing personal information
    I booked a travel insurance policy through the referral link from MSE. The form has an unticked box with the following: "I agree that Leisure Guard Lite Insurance can keep me up to date with the latest product and marketing information by email."

    I never tick these boxes.

    Two days after the policy expires, what do I get? An email from Leisure Guard punting me pet insurance.

    As usual, the response from the company is "we'll take you off our mailing list" rather than "oh no, we're breaking the law, we must look into it and ensure that it never happens to anyone ever again."

    I've submitted an official complaint. Apparently they have 8 weeks to address it...
    Time is an illusion - lunch time doubly so.
    • buckdall
    • By buckdall 25th Apr 18, 2:54 PM
    • 3 Posts
    • 1 Thanks
    buckdall
    Confused and don't want to be fraudulent.
    I have read many newsletters that have said insure as soon as you book. So I did! However I was only asked for my dates of travel. Am I really insured from the time I took the policy? Or am I covered only for the dates I declared?
    Also, for how long after return am I still insured? In case I bring back lergy!!!
    • EssexExile
    • By EssexExile 25th Apr 18, 3:17 PM
    • 3,096 Posts
    • 2,173 Thanks
    EssexExile
    If any insured risk causes you to cancel your holiday between taking out insurance & travelling you are covered. If you bring back the lergy it will be treated by the NHS & not cost you anything.
    Tall, dark & handsome. Well two out of three ain't bad.
    • rax3
    • By rax3 28th Apr 18, 12:30 AM
    • 1 Posts
    • 0 Thanks
    rax3
    How to get to Marbella from Malaga?
    Has anyone ever flown to Malaga, Spain way to Marbella? Getting from Malaga airport sounds like a long journey on the bus. Do you have any advice or suggestions on how to get from Malaga airport please?
    • MallyGirl
    • By MallyGirl 1st May 18, 11:46 AM
    • 2,950 Posts
    • 7,946 Thanks
    MallyGirl
    not relevant to a discussion about travel insurance
    • athonjon
    • By athonjon 6th May 18, 1:18 PM
    • 9 Posts
    • 1 Thanks
    athonjon
    Hi. Just thought I'd share the deal I just bought..

    I'm a 35 year old male with no health conditions, and I'm going to Tunisia for two weeks in about a week's time.

    I've bought an annual multi-trip policy for 7.87 through Coverwise, (I was going to buy a single trip policy, but it was roughly double the price through this company). I might get some cashback on top (20% through topcashback today).

    NB Tunisia is considered part of Europe with this company. The levels of cover compared favourably with Allianz and Insure and Go (who also include Tunisia under European cover). This policy doesn't include things like winter sports etc.
    • fred_quimby
    • By fred_quimby 14th Jun 18, 8:27 PM
    • 32 Posts
    • 4 Thanks
    fred_quimby
    Hope someone on here can help. We are going to New Zealand in January to visit family for 3 months. We are both over 65 but under 70 and it looks like the cheapest travel insurance will be over 400. Is there a cheaper way of doing it please? Thanks
    • informed_one
    • By informed_one 14th Jun 18, 11:09 PM
    • 1 Posts
    • 0 Thanks
    informed_one
    Urgent help with pre-existing mental health issues!!!
    I am travelling next Tuesday and need help finding a cheap annual travel insurance policy, they all seem to be coming out with 300 which is too much. I have bulimia, depression, anxiety and borderline personality disorder. The only medication I have been prescribed is for anxiety but I haven't taken it yet. Can anyone help me out or been in a similar situation?

    Thanks
    • frankie
    • By frankie 15th Jun 18, 11:20 AM
    • 701 Posts
    • 277 Thanks
    frankie
    Hope someone on here can help. We are going to New Zealand in January to visit family for 3 months. We are both over 65 but under 70 and it looks like the cheapest travel insurance will be over 400. Is there a cheaper way of doing it please? Thanks
    Originally posted by fred_quimby

    I have PM'd you
    • SavvySpaniel
    • By SavvySpaniel 17th Jun 18, 5:44 PM
    • 20 Posts
    • 19 Thanks
    SavvySpaniel
    I have used AA Travel Insurance for a number of years now as they provide cover in the event that a non-travelling relative, who has pre-existing conditions, should fall ill and prevent me from taking my holiday (or need to return home during holiday).

    I have received a letter from the AA to say that they are no longer using that underwriter and I now need to requote using AXA. I have had a look at their terms and I don't think my situation would be covered.

    I remember it took me ages to find an insurance company who would cover me in this situation. So before I spend the evening trawling the insurance quote sites I thought I would ask on this forum to see if anyone could recommend a travel insurance company that would cover me for this?

    Thanks in advance!
    • koru
    • By koru 19th Jun 18, 1:47 PM
    • 1,337 Posts
    • 670 Thanks
    koru
    So before I spend the evening trawling the insurance quote sites I thought I would ask on this forum to see if anyone could recommend a travel insurance company that would cover me for this?
    Originally posted by SavvySpaniel
    Have a look at the Eurotunnel policy.
    koru
    • Vicks0001
    • By Vicks0001 26th Jun 18, 12:13 PM
    • 4 Posts
    • 0 Thanks
    Vicks0001
    Just looking for a bit of advice if anyone can assist. My annual travel insurance has come up for renewal and normally I would look to shop around however an immediate family member has recently been diagnosed with a serious medical condition and I am wondering if it is safer to stay with my existing insurer as it would be clear that it wasn't a pre-existing condition, or go with a new company and declare pre-existing condition? Any suggestions please?
    • Victor_Delta
    • By Victor_Delta 26th Jun 18, 12:37 PM
    • 413 Posts
    • 94 Thanks
    Victor_Delta
    During the renewal process, I think you'll find you'll be asked if anything has changed anyway.

    You could always get a quote from the other company and then see what happens when you try to renew with the existing company.
    • koru
    • By koru 26th Jun 18, 2:19 PM
    • 1,337 Posts
    • 670 Thanks
    koru
    Just looking for a bit of advice if anyone can assist. My annual travel insurance has come up for renewal and normally I would look to shop around however an immediate family member has recently been diagnosed with a serious medical condition and I am wondering if it is safer to stay with my existing insurer as it would be clear that it wasn't a pre-existing condition, or go with a new company and declare pre-existing condition? Any suggestions please?
    Originally posted by Vicks0001
    It will be a pre-existing condition whether you renew or get a new policy. The odds are that your current insurer is not the cheapest for the condition in question, so you would be better with a different insurer.
    koru
    • HopX
    • By HopX 30th Jun 18, 12:59 PM
    • 15 Posts
    • 74 Thanks
    HopX
    Single parent with 16 & 18 year old what's the best travel insurance?
    Hello MSE peeps,

    I'm looking to take my kids on holiday in Europe, but we're also all planning individual trips throughout the year.

    So... I'm trying to work out what the best (and cheapest/most cost effective) policy would be:
    • As they are 16 & 18 wow, now adults I assume family insurance is no longer valid?
    • If i take out a group insurance, can we all use this for individual travel?
    • Or 3x individual annual travel insurance policies?
    I'd be really grateful for any advice.

    • koru
    • By koru 1st Jul 18, 9:51 AM
    • 1,337 Posts
    • 670 Thanks
    koru
    Hello MSE peeps,

    I'm looking to take my kids on holiday in Europe, but we're also all planning individual trips throughout the year.

    So... I'm trying to work out what the best (and cheapest/most cost effective) policy would be:
    • As they are 16 & 18 wow, now adults I assume family insurance is no longer valid?
    • If i take out a group insurance, can we all use this for individual travel?
    • Or 3x individual annual travel insurance policies?
    I'd be really grateful for any advice.
    Originally posted by HopX
    It varies from policy to policy. You need to look at the policy wording. But I would expect you can find one that would include all your family, regardless of their age. And would cover individual travel.
    koru
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