Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • swingaloo
    • By swingaloo 11th May 18, 2:35 PM
    • 1,908Posts
    • 3,451Thanks
    swingaloo
    Holiday Insurance- Can I do this?
    • #1
    • 11th May 18, 2:35 PM
    Holiday Insurance- Can I do this? 11th May 18 at 2:35 PM
    Been looking at holiday insurance as we are heading to Las Vegas for 2 weeks later this year.

    Ive not had travel insurance since 4 years ago and I'm amazed at how high the quotes have come back.

    Situation is that my husband is 11 years younger than me but its him that has the pre existing medical condition to declare.

    Ive been reading the info on this site regarding travel insurance tips etc.

    After reading the info I tried doing quotes based on 2 separate policies, one for hubby and one for me. Doing this I'm getting quotes for £40-60 for each of us. Putting us both on one policy returns quotes of a minimum of £190.

    So obviously its a lot cheaper to insure us separately rather than on one policy.

    Is there any catch or reason that I cant do it that way?
Page 1
    • lisyloo
    • By lisyloo 11th May 18, 2:46 PM
    • 22,736 Posts
    • 11,311 Thanks
    lisyloo
    • #2
    • 11th May 18, 2:46 PM
    • #2
    • 11th May 18, 2:46 PM
    Is there any catch or reason that I cant do it that way?
    Originally posted by swingaloo
    Are you declaring your husbands medical condition on your policy?
    Presumably if he was seriously ill you'd not want to travel and therefore you need to declare it.
    • Quentin
    • By Quentin 11th May 18, 3:25 PM
    • 37,945 Posts
    • 22,057 Thanks
    Quentin
    • #3
    • 11th May 18, 3:25 PM
    • #3
    • 11th May 18, 3:25 PM
    Is there any catch or reason that I cant do it that way?
    No. .
    • swingaloo
    • By swingaloo 11th May 18, 4:36 PM
    • 1,908 Posts
    • 3,451 Thanks
    swingaloo
    • #4
    • 11th May 18, 4:36 PM
    • #4
    • 11th May 18, 4:36 PM
    Are you declaring your husbands medical condition on your policy?
    Presumably if he was seriously ill you'd not want to travel and therefore you need to declare it.
    Originally posted by lisyloo

    No, I'm not declaring my husbands medical condition on my policy as my policy would just be to cover me.


    I'm declaring my husbands medical condition on his policy. Hes not seriously ill but is on medication so of course I'm declaring it.
    • lisyloo
    • By lisyloo 11th May 18, 4:47 PM
    • 22,736 Posts
    • 11,311 Thanks
    lisyloo
    • #5
    • 11th May 18, 4:47 PM
    • #5
    • 11th May 18, 4:47 PM
    No, I'm not declaring my husbands medical condition on my policy as my policy would just be to cover me.
    But it covers you for things that might happen to other people.
    Your policy covers you if you partner (or in general any close family member) dies or is seriously ill and you wouldn't (usually) in that case wish to travel.

    Be careful to check the questions/policy.
    • dacouch
    • By dacouch 11th May 18, 4:55 PM
    • 20,608 Posts
    • 12,767 Thanks
    dacouch
    • #6
    • 11th May 18, 4:55 PM
    • #6
    • 11th May 18, 4:55 PM
    No, I'm not declaring my husbands medical condition on my policy as my policy would just be to cover me.


    I'm declaring my husbands medical condition on his policy. Hes not seriously ill but is on medication so of course I'm declaring it.
    Originally posted by swingaloo
    DId you read the medical declaration very caarefully on your policy, it would be unusual for it to not ask you to disclose medical conditions of a traveling companion
    • Tigsteroonie
    • By Tigsteroonie 11th May 18, 5:39 PM
    • 22,976 Posts
    • 57,599 Thanks
    Tigsteroonie
    • #7
    • 11th May 18, 5:39 PM
    • #7
    • 11th May 18, 5:39 PM
    But it covers you for things that might happen to other people.
    Your policy covers you if you partner (or in general any close family member) dies or is seriously ill and you wouldn't (usually) in that case wish to travel.

    Be careful to check the questions/policy.
    Originally posted by lisyloo
    This ^^

    You may find that you cannot claim for lost travel for yourself (on your policy) if your husband falls seriously ill as the result of a pre-existing condition, and cannot travel. Check the policy carefully.
    Mrs Marleyboy

    MSE: many of the benefits of a helpful family, without disadvantages like having to compete for the tv remote

    Proud Parents to an Au-some son
    • Quentin
    • By Quentin 11th May 18, 5:40 PM
    • 37,945 Posts
    • 22,057 Thanks
    Quentin
    • #8
    • 11th May 18, 5:40 PM
    • #8
    • 11th May 18, 5:40 PM
    DId you read the medical declaration very caarefully on your policy, it would be unusual for it to not ask you to disclose medical conditions of a traveling companion
    Originally posted by dacouch
    Rather than ask for pre existing conditions of traveling companions don't they usually simply exclude them from cover in the cancellation/curtailment section??
    • dacouch
    • By dacouch 11th May 18, 6:37 PM
    • 20,608 Posts
    • 12,767 Thanks
    dacouch
    • #9
    • 11th May 18, 6:37 PM
    • #9
    • 11th May 18, 6:37 PM
    Rather than ask for pre existing conditions of traveling companions don't they usually simply exclude them from cover in the cancellation/curtailment section??
    Originally posted by Quentin
    Many do, but some will cover them for an extra premium.

    I assume the OP is not bother by the risk of cancellation / curtailment etc if her partner has a problem due to heart or circulation as she seems dismisive as to whether it is a risk of flairing up
    • CHRISSYG
    • By CHRISSYG 13th May 18, 11:28 AM
    • 5,768 Posts
    • 16,649 Thanks
    CHRISSYG
    Another thing to consider - If he does become unwell on the trip would you be able to cover costs involved with staying with him ?

    My daughter had a fall 2 days before her return from Kenya . She had to have surgery and a 2 week hospital stay before she was repatriated by her insurance. Her Post Ofice policy also covered a +1 which meant the person who stayed with her had the accomodation and return flight paid for by the insurance .

    Sometimes accidents happen which have nothing to do with any pre existing condition , had i not declared everything even those conditions that made no difference to her travel the policy would not had paid out , the very first call i got after reporting her accident was from someone checking out what her medical isues were .

    In the end a £34 policy covered around £18k in costs !
    Be careful who you entrust with the care of you vulnerable loved ones there’s a lot of bottom feeding scum posing as normal human beings !
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,579Posts Today

9,939Users online

Martin's Twitter