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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 10
    • Robie
    • By Robie 13th Nov 17, 2:24 PM
    • 131 Posts
    • 28 Thanks
    Robie
    I suppose simple question for the people in the know.

    My wife has had mental health issue in the past but for past 6/7 years no issues whatsoever and she is leading a normal life now (taking meds, working, etc.). The cheapest I have been quoted for her with pre-existing medical condition is 400+.

    The question is can I take out travel insurance without mentioning any pre-existing conditions (i.e. I *don't* want them covered by the insurance) but need normal travel insurance? If we have to claim, would they refuse insurance for say an accident or broken leg or flight delay or loss of baggage, etc. just because we have *not* mentioned existing condition?

    Thanks
    Robie
    Save 8k in 2013, Num 046, 5000/8000 (received 2000 unexpectedly from someone)
    • Doc N
    • By Doc N 13th Nov 17, 5:02 PM
    • 6,691 Posts
    • 19,570 Thanks
    Doc N
    The answer to that, Robie, is that it depends entirely on the questions you have to answer to get the insurance.

    You can't give false information, or any claim at all will be at risk. But if no question is asked you don't need to provide the information.

    And if it's a policy which just excludes all pre-existing conditions, without asking about them, you'd probably be OK on claims. It would be very difficult, though not impossible, for an insurer to link one of the events you mention to a past mental health issue.
    • pompeyrich
    • By pompeyrich 13th Nov 17, 5:15 PM
    • 3,061 Posts
    • 3,084 Thanks
    pompeyrich
    I suppose simple question for the people in the know.

    My wife has had mental health issue in the past but for past 6/7 years no issues whatsoever and she is leading a normal life now (taking meds, working, etc.). The cheapest I have been quoted for her with pre-existing medical condition is 400+.

    The question is can I take out travel insurance without mentioning any pre-existing conditions (i.e. I *don't* want them covered by the insurance) but need normal travel insurance? If we have to claim, would they refuse insurance for say an accident or broken leg or flight delay or loss of baggage, etc. just because we have *not* mentioned existing condition?

    Thanks
    Robie
    Originally posted by Robie
    In my, unqualified opinion, the best way is to declare the isues and then either opt to pay the extra or choose to pay the lower amount and not have them covered. I have a couple of issues, one is raised blood pressure, I have cover with my bank but had the choice to pay an additional premium to cover that or have it excluded at the normal cost. As HBP can lead to heart attack/stroke type problems I opted to pay more as I felt they would say the BP was a cause of the more serious event and not payout if the worst happened.
    • TwitTwoo
    • By TwitTwoo 13th Nov 17, 5:20 PM
    • 4 Posts
    • 5 Thanks
    TwitTwoo
    Robbie, IMO it's just not worth it - not disclosing I mean. There's been so many reports on cases where a claim has had absolutely nothing to do with a pre existing issue but, because it hadn't been disclosed, the policy was deemed nul & void.

    I've just heard of a company that may be worth contacting for a quote. i'll be trying them next year but good luck.

    insurancewith. com
    • koru
    • By koru 14th Nov 17, 11:48 AM
    • 1,316 Posts
    • 664 Thanks
    koru
    I second this suggestion. In my view, these are a better solution for those people who meet the criteria for cover. I'd never come across ETA before - could be a cheap solution for people who were diagnosed more than a year ago, even after heart attack, stroke, diabetes, cancer. Crucially, they do cover conditions treated in the last 12 months, as long as if their medication has been stable for a year.
    Originally posted by koru
    Not any more. Since September 2017 ETA have switched to the normal approach that they won't cover anything unless it is disclosed in medical screening.
    koru
    • koru
    • By koru 16th Nov 17, 4:15 PM
    • 1,316 Posts
    • 664 Thanks
    koru
    The question is can I take out travel insurance without mentioning any pre-existing conditions (i.e. I *don't* want them covered by the insurance) but need normal travel insurance? If we have to claim, would they refuse insurance for say an accident or broken leg or flight delay or loss of baggage, etc. just because we have *not* mentioned existing condition?

    Thanks
    Robie
    Originally posted by Robie
    It depends on the insurance policy wording. With Eurotunnel, there is no medical screening. If you have what their policy defines as a pre-existing condition, you are not covered for it, end of story. Everything else is covered.

    The same is true of Cheaper Travel Insurance (via Money Supermarket). The difference is that their definition of what is not covered is much wider.
    koru
    • archersluck
    • By archersluck 21st Nov 17, 6:35 PM
    • 620 Posts
    • 2,263 Thanks
    archersluck
    Any idea if you need to declare a previous accident? On my last holiday I was hospitalised with a head injury after an accident, took some getting over but will be fine by the time of the next trip.
    I figure you wouldn't declare a previous broken leg or similar if now all fully healed...

    Saving for a deposit: 11,621.15
    20/25lbs
    • Doc N
    • By Doc N 21st Nov 17, 6:53 PM
    • 6,691 Posts
    • 19,570 Thanks
    Doc N
    Any idea if you need to declare a previous accident? On my last holiday I was hospitalised with a head injury after an accident, took some getting over but will be fine by the time of the next trip.
    I figure you wouldn't declare a previous broken leg or similar if now all fully healed...
    Originally posted by archersluck
    As always, it depends entirely on the questions you have to answer to get the policy.
    • sheramber
    • By sheramber 22nd Nov 17, 5:43 PM
    • 4,756 Posts
    • 3,558 Thanks
    sheramber
    Any idea if you need to declare a previous accident? On my last holiday I was hospitalised with a head injury after an accident, took some getting over but will be fine by the time of the next trip.
    I figure you wouldn't declare a previous broken leg or similar if now all fully healed...
    Originally posted by archersluck
    You only need to answer what they ask you, but you must answer truthfully.
    If they ask if you have had medical treatment or were an inpatient in hospital in the last year and it happened 11 months ago, then you need to declare it.
    • Doc N
    • By Doc N 5th Jan 18, 4:41 PM
    • 6,691 Posts
    • 19,570 Thanks
    Doc N
    Don't suppose anyone can provide a link to this, but what I'm looking for is a website which lists all the standard travel insurance questions.

    Pretty much all insurers use the same standard questions to assess the eligibility/pricing of travel policies where there are pre-existing conditions. If I do it online it's relatively easy to go through all the screens - and there's time to consider each question carefully.

    Nationwide BS, though, to upgrade their free travel policy for pre-existing conditions, insist that it should be done over the phone. Much more risky, and it's not something you'd want to make a mistake over.

    I know you can do fake applications to get to know the questions you're going to be asked over the phone, but does anyone know a way of getting at the complete list without having to do that?

    Probably impossible, but somebody might have the magic bullet.
    • koru
    • By koru 6th Jan 18, 10:49 AM
    • 1,316 Posts
    • 664 Thanks
    koru
    Don't suppose anyone can provide a link to this, but what I'm looking for is a website which lists all the standard travel insurance questions.
    Originally posted by Doc N
    I'm not sure if there is a single standard. I have been getting quotes from some of the insurers that specialise in pre-existing conditions using online screening, and I've come across at least two different approaches.

    The first group (such as WorldFirst, Holiday Safe, Alpha and InsuranceWith) seem to be the real specialists. They ask the same really detailed questions, relevant to the conditions you disclose. The second group are the ones that come up on Money Supermarket if you disclose medical conditions, and they ask fewer questions, some of which are not very relevant to the condition in question (for instance, failing to understand that the concept of remission is not relevant for all cancers).

    In my experience, the first group come up with much lower quotes than the second.

    Try one of the first group, as a practice for you phone screening. I would be surprised if the phone screeners asked for more than they do.
    Last edited by koru; 06-01-2018 at 10:53 AM.
    koru
    • HoofeHearted
    • By HoofeHearted 6th Jan 18, 11:07 AM
    • 2,519 Posts
    • 1,318 Thanks
    HoofeHearted
    From my experience they are usually the same questions for each ailment.
    However, I recently tried a company that was mentioned on MSE (not this thread). They started asking for a list of medication, so it may be worth having this to hand when you phone up.
    • katejo
    • By katejo 7th Jan 18, 6:35 PM
    • 3,074 Posts
    • 1,180 Thanks
    katejo
    Insure & go medical questions
    Here is a link to their questions. You only have to declare conditions covered by these questions

    https://www.insureandgo.com/travel-insurance/travel-insurance-for-medical-conditions
    • katejo
    • By katejo 7th Jan 18, 6:44 PM
    • 3,074 Posts
    • 1,180 Thanks
    katejo
    Any idea if you need to declare a previous accident? On my last holiday I was hospitalised with a head injury after an accident, took some getting over but will be fine by the time of the next trip.
    I figure you wouldn't declare a previous broken leg or similar if now all fully healed...
    Originally posted by archersluck
    I had to declare a wrist fracture several months later just because I had had a hospital appointment within the past year.
    • Harry Krishna
    • By Harry Krishna 9th Jan 18, 3:18 PM
    • 1 Posts
    • 0 Thanks
    Harry Krishna
    Staysure incompetence
    Yesterday I arranged a 25 policy with Staysure for a pre-existing coronary condition for a 5 day skiing holiday in Austria next month. I specifically said to the advisor that I was going skiing and he even offered me an extra package to cover ski damage etc. which I declined as I don't take my own equipment. On looking through the policy booklet today it looked like winter sports was not covered so I rang to check. Quite right! It's not covered! So I've cancelled the policy and have requested they listen to the phone conversation as they have wasted a considerable amount of my time. Total incompetence!
    • katejo
    • By katejo 9th Jan 18, 3:36 PM
    • 3,074 Posts
    • 1,180 Thanks
    katejo
    High cholesterol v Cholesterol Levels
    I was trying to complete a medical questionnaire for a travel policy. I used cholesterol as my search term on the online form and the policy gave me the options of high cholesterol or cholesterol levels (together with 1 or 2 other options which aren't relevant to me). Has anyone seen this before or had it explained? I did ask my insurer but wasn't 100 % convinced by the reply that it might be less serious than high cholesterol. Whichever option I select, I am then asked whether I have high blood pressure to which the answer is no.
    I wonder how many people do declare this. I have seen stats to say that around 75% of adults over about 45 have high cholesterol. The insurer which I tried says that you must declare it if you have EVER had it.

    Also does anyone know why they won't let you get any renewal discount if you complete the medical form online? I much prefer doing it that way because I can see the questions before starting and do it at my own pace. I feel stressed doing it on the phone.


    I have now been told by 1 insurer that 'cholesterol levels' is an alternative term used by doctors but another insurer didn't know the answer and just appeared to guess. That isn't acceptable.
    Last edited by katejo; 09-01-2018 at 6:29 PM.
    • 13Kent
    • By 13Kent 9th Jan 18, 6:25 PM
    • 1,036 Posts
    • 4,033 Thanks
    13Kent
    My parents are trying to get travel insurance to go to Portugal initially, but they would also like cover for cruise holidays, but for now would just be happy to get cover for their Portugal holiday.

    They both have pre-existing conditions, Mum is able to get insurance, but this year my Dad will be 75 and it seems that suddenly he is being refused insurance or the premiums are extortionate, the companies seem unable to tell them why he is being refused - I assume it's just a case of "computer says 'no'" and the person on the phone doesn't know why, but they are wondering if it is due to his age as it's the only thing that has changed since last year.

    They have tried comparison websites, and a lot of companies already. Any suggestions would be welcomed. Thanks!

    • katejo
    • By katejo 9th Jan 18, 6:31 PM
    • 3,074 Posts
    • 1,180 Thanks
    katejo
    My parents are trying to get travel insurance to go to Portugal initially, but they would also like cover for cruise holidays, but for now would just be happy to get cover for their Portugal holiday.

    They both have pre-existing conditions, Mum is able to get insurance, but this year my Dad will be 75 and it seems that suddenly he is being refused insurance or the premiums are extortionate, the companies seem unable to tell them why he is being refused - I assume it's just a case of "computer says 'no'" and the person on the phone doesn't know why, but they are wondering if it is due to his age as it's the only thing that has changed since last year.

    They have tried comparison websites, and a lot of companies already. Any suggestions would be welcomed. Thanks!
    Originally posted by 13Kent
    Has he tried Saga? I can't comment on them but they do cater for older travellers.
    • 13Kent
    • By 13Kent 9th Jan 18, 6:34 PM
    • 1,036 Posts
    • 4,033 Thanks
    13Kent
    Thanks for your reply. Yes, they've tried Saga.

    • katejo
    • By katejo 9th Jan 18, 7:23 PM
    • 3,074 Posts
    • 1,180 Thanks
    katejo
    Thanks for your reply. Yes, they've tried Saga.
    Originally posted by 13Kent
    Which has a recent update (September 2017) on travel insurance. It includes a table of sample quotes for over 70's. I looked at it this morning. Has your Dad had cancer or does he have a terminal condition? I wouldn't expect over 75's to be rejected outright.
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