Travel Insurance
Any suggestions for travel insurance with pre existing medical conditions, we are going to France for 4 weeks ?
Comments
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I would use the three or more comparison websites and type in your medical conditions and you'll be asked further questions on them, like medications, how long..., and then they will then generate companies and quotes. Or just use one particular company and either ring or use the online forms but you'll find the questions are probably the same. Depending on your conditions it might be necessary to use more specialist travel insurance companies.
We use Sainsburys and found them to be competitive.
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Another vote for "Staysure" here. Applying on line and stating pre-existing conditions is very straightforward and you'll get a decision immediately. Very competitive rates, we've found and, if you do decide to accept them you'll get a printed addendum to your policy stating the conditions accepted.
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St Martin Lewis has advice and guidance on MoneySavingExpert.com
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Have you not considered Red Pennant? Unless its changed you are asked a series of questions about medical conditions and if they are stable and medication hasn't been changed in the last few weeks you are usually accepted. What caught us out was that Margaret takes insulin for her diabetes and they wouldn't cover that which I find rather strange! I have heard they won't cover people on blood thinners like Warfarin although it is possible the more modern ones that don't need regular testing might be accepted? I would be concerned if companies are willing to accept you but exclude specific conditions. I would just be concerned that they excluded conditions might be used as a excuse not to cover another problem?
David
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Have you not considered Red Pennant? Unless its changed you are asked a series of questions about medical conditions and if they are stable and medication hasn't been changed in the last few weeks you are usually accepted.
That was certainly still the case last September. Despite issues we were able to answer no to all the questions and didn’t have to ring for screening. The previous year the OH had been into hospital within, I think it was 6 months, so we had to save the quote and they rang her up with some questions. As she had been signed off by the consultant there were no conditions or increase in premium and we took out the insurance.
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I agree about Red Pennant - just renewed our personal only cover for theyear. Previously we used the bundled cover from NW Flexplus which had a very rigorous set of questions which left me feeling I may have forgotten something! RP, as David and Steve say, have a basic and clear set of questions. The premium with RP was almost the same as the NW bundled offer.
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Interesting about no cover if you are on insulin. We haven’t needed RP for some years but we used to use it every year for probably 20+ years. Ian is insulin dependent and has been for all the time we used it. There is no way we would have hidden that.
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The print out for your declared conditions is very helpful, especially if you don't auto renewal, although despite an online 'offer' last year it worked out much cheaper to auto renewal, which I managed to 'click' before the period for it expired.....
I'm not usually keen on the auto renewals nowadays as you don't get anything for loyalty & it pays to shop around but Staysure do most often come out best value for money/cover....
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Hja
The problem was really the question asked at the screening and maybe how I answered the question. They asked if the amount of insulin used was the same every time. As you will well know the amount of insulin you use is related to the blood sugar levels. They didn't like that answer and refused to cover so it was interesting to read your comment. Probably what I should have said was that insulin was taken as directed by her Diabetic Nurse and perhaps then they would have accepted it? That encounter actually ended our overseas touring. They did suggest another insurer but I liked the all in one policy that Red Pennant offered.
David
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This winter we bought our 90 day insurance through Tesco, although more expensive than Red Pennant they asked less questions about a recent change in medication.
JK
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An advantage of Red Pennant is that health and motor insurance is linked. Friends had an issue when Health Insurance didn't cover repatriation of vehicle and vehicle insurance also wouldn't cover because there was nothing wrong with the vehicle.
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We used to use Staysure until I was referred for an echocardiogram a short while before a trip. As required I phoned to notify them and was advised that not only would my cover for my cardiac condition be suspended, there would be NO cover for ANY of my declared conditions - even my Gout !
I managed to get full cover forthe trip through BP insurance brokers https://bpib.co.uk/ who I found on the British Heart Foundation web site. They have a list of brokers who can help with pre existing conditions.
Needless to say, I didn't renew with Staysure !
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That's really strange as they covered my wife after a heart attack & coronary angioplasty, the only questions that were asked when entering it under pre-existing conditions were:
Coronary angioplasty
• How long ago was your angioplasty or stenting performed?
• How many heart attacks have you had in total?
• Have you EVER had any chest pain or chest tightness since your last procedure?
• How many coronary stents do you have?
• Can you always walk 200 metres on the flat without becoming short of breath?
• Have you been advised to take medication for high blood pressure?The key question was regarding how long the angioplasty had been done, less or more than 6 weeks....
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One thing to remember is that if you are over a certain age (can be different for different companies) they may not offer cover so best to check out their conditions before starting to fill in form online.
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