Red Pennant insurance - medical conditions.
HI
We are newbies looking to go abroad next year and need insurance to cover my husband's heart conditon. Does anyone have experience of using Red Pennant for peole with medical conditions?
Comments
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Red Pennant seems to be very relaxed about medical conditions providing they are being controlled by drugs. The only thing I have heard is that they will not cover people on blood thinning drugs like wafarin but I could be wrong. Might be different for those blood thinners that don't require testing. As Peedee says best to discuss with the Club.
David
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I agreee, I have had no problem after answering the questions honestly.
Last year I had a triple heart bypass, so am now 110% compared to 2 years back.
Doc had no problem with me travelling abroad, and I feel great.
RP had no problem covering me. No questions asked.
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We have recently returned from France using Red Pennant. We were not insured for existing conditions.
Path
That seems a bit at odds to what I am used to with RP. Without going into personal details can you enlighten us a bit more?
David
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J think it depends oin what you have and what could go wrong. We had no action taken when my wife declared her diabetes. They accepted this on the basis it was controlled by drugs.
If you declare anything they ring you and discuss it before letting you know what they can do. I would apply and see what they say as you cannot lose anything, as if you do not like it then you just say no.
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What path is saying is right, if you answer "yes" to any of the questions they will probably say that you are not covered for that particular item however minnor it is.
But those question, in my experience, only apply to ongoing problems that are recieving or awaiting treatment. Unlike other company insurance assessments which increase premiums for common complaints like blood pressure/diabetes/high cholesterol if controlled by medication. Even operations like heart bypasses, hip and knee replacements are covered if you have been discharged from the hospital.
David
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I have a condition that they covered for no extra cost. They made me call back with results from recent blood tests - and then covered me because they were normal. They also would only cover me when I had finished antibiotics for 2 weeks. I thought they
were fair and clear about it. Now I feel like I am insured up to the eyeballs for my trip away!0 -
The thing about insurance it that it is based upon "utmost good faith" rather than most things you buy which are based upon "let the buyer beware".
If you declare everything then the insurance company may decline the insurance or charge more but the other alternative may be you make a claim and the insurers make the insurance void and leave you with picking up the costs which as everyone knows can be life changing.
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I was waiting for a knee replacement, the knee wasn't covered. I have an adreniline pen for unknown allergies, I wasn't covered for that.I also have a cholestetol granuloma in the brain, I wasn't covered for that.
Path
Would I be right to assume you are on the list to have it done but not yet given a date for the knee replacement, so in effect awaiting treatment? The reason I ask is that I have been told that some stage in the future I will also need a knee replacement
but the exact decision as to when that might happen has not yet been made and could be years away. That perhaps is the difference between it being covered and not being covered?David
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Red Pennant seems to be very relaxed about medical conditions providing they are being controlled by drugs. The only thing I have heard is that they will not cover people on blood thinning drugs like wafarin but I could be wrong. Might be different for those blood thinners that don't require testing. As Peedee says best to discuss with the Club.
David
That depends on the drug. I have a condition which has been controlled very well for a number of years by the off label use of a drug at a dose way below the therapeutic dose for its intended application. However because it is classed as a cancer drug RP point blank refuse cover. No other insurer I have approached has refused cover. And yet RP underwriters will cover my wife for a condition that a number of other insurers refuse to cover on a standard policy.
As a consequence I take out a second policy to cover what RP will not. Another quirk of RP we found this year is that it is more expensive for my wife to have just personal cover for herself than it is for the two of us to be covered on a Motoring and Personal policy.
With Warfarin it can be very tricky to get the dose right, so I can understand an insurer's reluctance to cover this.
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