Travel Insurance with medical conditions

[toughmat88]

Morning all,

Travelling to the states in June and looking to see who everybody has used for travel insurance.

I currently have ulcerative colitis and have been quoted £400 for 2 weeks, which seems excessive.

Anybody know of any others to try?

Thanks

[oilslick]

toughmat88 said:

Morning all,

Travelling to the states in June and looking to see who everybody has used for travel insurance.

I currently have ulcerative colitis and have been quoted £400 for 2 weeks, which seems excessive.

Anybody know of any others to try?

Thanks

I've always used AllClear. I've found them to be priced pretty reasonably.

[simon_harris]

When I was initially diagnosed with lymphoma the next time I looked at holiday insurance I was quoted over £3k - this was 2014.

Bear in mind I had received no treatment, no treatment was planned (other than watch and wait) and I required no medical aid of any kind.

We eventually found somewhere for about £500 I think

[alscar]

Staysure.

[mike_e]

I've used Allclear a few times and found them reasonable. Just been quoted £400 for annual Worldwide multi-trip (excluding America) with cover for all my medical conditions. Having the US as a destination bumps up the premiums a fair bit.

[bad company]

Well I have a reply which I think means I’m covered though not totally clear:-

I have checked your policy. I can see cholesterol is on your policy and this is because you are taking medication to control it.

If you are on any medication, we have to note why you take it. And your cholesterol is normal because you take the statins.

[Griffith4ever]

bad company said:

Well I have a reply which I think means I’m covered though not totally clear:-

I have checked your policy. I can see cholesterol is on your policy and this is because you are taking medication to control it.

If you are on any medication, we have to note why you take it. And your cholesterol is normal because you take the statins.

Confusing isn't it? I'm classed as having hypertension and I get an anuual review, because - a few years ago I discovered I had very high BP. However, I take two medicines a day, plus a statin as a precaution. I've whittle the dosage of Amlodopine down to 5mg too.

My BP, at my recent review at the doc's , was 120/72, which is great (considering when I discovered I had an issue I was over 220/120!) and over the years on meds it's come down from 135/80ish to my now 120/72.

So I have to disclose high BP for travel insurance - even though I don't have high BP! - the medication has "solved it". But that's not how they see it. I don't declaure high cholesterol as I don't have it, only borderline, and take statins to keep it at bay.

For the OP - I use Virgin Travel insurance and it's an annual policy for two of us, and she has Lupus! - I pay £260 a year for worldwide excluding USA/Canada. We can go away for 90 days continuous (which we get very close to over winter). So maybe look at an annual policy, because I've found they cost no more, and sometimes less, than a one off 2 week policy.

[cashmax]

Perhaps a nationwide flexi plus account might be the simple solution.

[Road2Ruin]

cashmax said:

Perhaps a nationwide flexi plus account might be the simple solution.

With a lot of these accounts, they don't include, or you have to declare and pay extra.

I have been with Staysure and the Post Office. Both fine, the PO currently cheaper. I think I pay about £350 per year, for the family too, but this is Worldwide, excluding USA.

[cashmax]

Road2Ruin said:

cashmax said:

Perhaps a nationwide flexi plus account might be the simple solution.

With a lot of these accounts, they don't include, or you have to declare and pay extra.

I have been with Staysure and the Post Office. Both fine, the PO currently cheaper. I think I pay about £350 per year, for the family too, but this is Worldwide, excluding USA.

I got my parents to get a flexiplus account because they like to visit my brother who lives in the USA. It cost them £18 per month, I think another £75 one off fee because they were over 75 and then my Dad has all sorts of medical conditions, which upped it another £150 annually. Worldwide cover including winter sports.

It was pretty much the only insurance they could get for a reasonable fee.

[Sheepshanks]

cashmax said:

I got my parents to get a flexiplus account because they like to visit my brother who lives in the USA. It cost them £18 per month, I think another £75 one off fee because they were over 75 and then my Dad has all sorts of medical conditions, which upped it another £150 annually. Worldwide cover including winter sports.

It was pretty much the only insurance they could get for a reasonable fee.

That does seem remarkably reasonable - NatWest wanted £200 more for me (taking BP, statin and PPI tablets) and wouldn’t cover wife at all. We’re mid 60’s. I’d read all these accounts are iffy once over 70.

Do you know who the underwriter is?

[craig1912]

cashmax said:

Perhaps a nationwide flexi plus account might be the simple solution.

It isn’t. You still have to declare pre existing conditions and they are less likely to be covered (in many instances) with these types of accounts than specialists such as Staysure and All Clear.

[craig1912]

Sheepshanks said:

Do you know who the underwriter is?

Was UK Insurance but changed to Aviva last May.

[InitialDave]

I use Travel Insurance 4 Medical.

Can't comment on how good they or anyone else is, as the bugger with insurance is you can only ever know that when the time comes to make a claim.

[MrAndyW]

Staysure. Everytime.
They looked after my Dad when he had heart attack onboard a ship near Norway,
Got him and my Mum off and looked after then really well. Put my Mum up in a hotel opposite the hospital.
Agent phoned her every day.
Flew him back to UK.
Would have been over £100,000 one of the specilists said and this was about 10 years ago.

[POIDH]

My OH has some significant chronic issues, which have increased this year.

While we can get travel insurance, the prices are just too high for us. Looking at £700+ for a fortnight with £1000 excess, excluding cancellation cover and anything OTHER than a health condition kicking off while abroad it seems. :-(

[InitialDave]

POIDH said:

My OH has some significant chronic issues, which have increased this year.

While we can get travel insurance, the prices are just too high for us. Looking at £700+ for a fortnight with £1000 excess, excluding cancellation cover and anything OTHER than a health condition kicking off while abroad it seems. :-(

I think you need to be mindful of how expensive things going sideways without travel insurance could be.

[POIDH]

InitialDave said:

POIDH said:

My OH has some significant chronic issues, which have increased this year.

While we can get travel insurance, the prices are just too high for us. Looking at £700+ for a fortnight with £1000 excess, excluding cancellation cover and anything OTHER than a health condition kicking off while abroad it seems. :-(

I think you need to be mindful of how expensive things going sideways without travel insurance could be.

We won't travel outside the UK from here on in.
I would not travel outside UK without insurance.

[Bluesgirl]

I have the Nationwide Flexiplus Account for £18/m, but Aviva wanted an additional £350 for the annual multi-trip (inc Winter sports) cover, due to AFib being diagnosed last year, despite taking tablets to control it. I'll shop around when it comes up for renewal, but I suspect it's still a good deal with all the extra cover it provides - phone/breakdown etc.