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  • FIRST POST
    • leitmotif
    • By leitmotif 13th Sep 18, 11:01 AM
    • 295Posts
    • 154Thanks
    leitmotif
    Can't get travel insurance
    • #1
    • 13th Sep 18, 11:01 AM
    Can't get travel insurance 13th Sep 18 at 11:01 AM
    Hi all,


    I've booked a holiday for the end of October and have just spent half an hour on the phone with Debenhams Travel Insurance and been given a shock. I wanted a quote for travel insurance and cover for pre-existing medical conditions. When it comes to the question 'are you waiting to be seen for any condition that hasn't yet been diagnosed?', I answered 'yes' because I've been referred to a sleep clinic to see whether I have sleep problems. That appointment won't be until the week after my holiday.


    Debenhams say that they can't offer any insurance at all if there's a condition for which you're being referred but haven't yet had a diagnosis or official explanation of some sort.


    My main priority is to be covered in case I fall over and break my neck (for example) and then have a huge hospital bill and/or repatriation costs. Can it really be that I won't be able to get travel insurance because I might have insomnia and that won't become clear until the week after my holiday?


    Has anyone else had experience of this?
Page 1
    • _shel
    • By _shel 13th Sep 18, 11:17 AM
    • 1,409 Posts
    • 2,475 Thanks
    _shel
    • #2
    • 13th Sep 18, 11:17 AM
    • #2
    • 13th Sep 18, 11:17 AM
    Hi all,


    I've booked a holiday for the end of October and have just spent half an hour on the phone with Debenhams Travel Insurance and been given a shock. I wanted a quote for travel insurance and cover for pre-existing medical conditions. When it comes to the question 'are you waiting to be seen for any condition that hasn't yet been diagnosed?', I answered 'yes' because I've been referred to a sleep clinic to see whether I have sleep problems. That appointment won't be until the week after my holiday.


    Debenhams say that they can't offer any insurance at all if there's a condition for which you're being referred but haven't yet had a diagnosis or official explanation of some sort.


    My main priority is to be covered in case I fall over and break my neck (for example) and then have a huge hospital bill and/or repatriation costs. Can it really be that I won't be able to get travel insurance because I might have insomnia and that won't become clear until the week after my holiday?


    Has anyone else had experience of this?
    Originally posted by leitmotif
    Have you tried anyone else? I got insurance with the post office with multiple health conditions and under investigation for another.
    • AstroTurtle
    • By AstroTurtle 13th Sep 18, 11:52 AM
    • 216 Posts
    • 638 Thanks
    AstroTurtle
    • #3
    • 13th Sep 18, 11:52 AM
    • #3
    • 13th Sep 18, 11:52 AM
    Plenty of insurers will cover pre-existing or under investigation conditions.

    Debenhams probably only has access to a very basic package from an insurer that they can't tweak or amend and is just a little side money maker for them.

    Look online and have a browse MoneySuperMarket has a searcher just for pre-existing conditions.
    • trailingspouse
    • By trailingspouse 15th Sep 18, 10:02 AM
    • 2,817 Posts
    • 4,599 Thanks
    trailingspouse
    • #4
    • 15th Sep 18, 10:02 AM
    • #4
    • 15th Sep 18, 10:02 AM
    I can get insurance for my OH with hypertension, a history of cancer (although now in the clear), AF, and depression. He's always under investigation for something.



    So don't give up - keep trying! We use Saga and have an annual policy - might be worth a try if you're old enough (I think one of you has to be 50).
    • sheramber
    • By sheramber 15th Sep 18, 11:57 AM
    • 5,231 Posts
    • 3,901 Thanks
    sheramber
    • #5
    • 15th Sep 18, 11:57 AM
    • #5
    • 15th Sep 18, 11:57 AM
    Have you discussed it with the insurance company.

    My husband got cover when he had an appointment for after our holiday. After explaining what it was for the company were happy to cover him.
    • CHRISSYG
    • By CHRISSYG 15th Sep 18, 1:49 PM
    • 5,744 Posts
    • 16,563 Thanks
    CHRISSYG
    • #6
    • 15th Sep 18, 1:49 PM
    • #6
    • 15th Sep 18, 1:49 PM
    Another vote for the Post office they covered my daughters multiple conditions and were very good when she had her accident in Africa . We will always go to them first .
    Be careful who you entrust with the care of you vulnerable loved ones thereís a lot of bottom feeding scum posing as normal human beings !
    • angharad
    • By angharad 15th Sep 18, 2:08 PM
    • 18 Posts
    • 6 Thanks
    angharad
    • #7
    • 15th Sep 18, 2:08 PM
    Plenty of firms will insure pre existing conditions
    • #7
    • 15th Sep 18, 2:08 PM
    Hi, Mind you, saying that.... it makes sense in a way that they will do that because the condition is already 'diagnosed' . I've been looking up companies who will insure for strokes and there were quite a few specialist companies. Better safe than sorry but it would be bad news if you were to be penalised for your honesty. I hope you find something and that you have a lovely, healthy holiday.
    • sheramber
    • By sheramber 15th Sep 18, 6:57 PM
    • 5,231 Posts
    • 3,901 Thanks
    sheramber
    • #8
    • 15th Sep 18, 6:57 PM
    • #8
    • 15th Sep 18, 6:57 PM
    Many companies will not cover you i you are awaiting a hospital appointment as they cannot assess the risk without a confirmed diagnosis. If you take ill they don't know if it could be connected to the non diagnosed condition.

    However, they might consider cover if they know the purpose of the appointment and can assess the potential risk.

    A pre existing condition is different as there is a confirmed diagnosis and the company can assess what they consider the risk is and charge accordingly.
    • quietheart
    • By quietheart 15th Sep 18, 7:09 PM
    • 1,816 Posts
    • 1,923 Thanks
    quietheart
    • #9
    • 15th Sep 18, 7:09 PM
    • #9
    • 15th Sep 18, 7:09 PM
    I've always found LV really good for pre existing conditions. Good price and no drama.
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