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Additional Support Needs & DAS Help & advice |
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1 Apr 19, 10:53 PM |
#1
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Guest
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Travel insurance medical history stress!
I have to sort out the travel insurance and I absolutely dread the medical screening part of it. I’m always worried that I’ve forgotten to put something on the notes I keep. In the last twelve I’ve had three out patient appointments and been been prescribed something by my GP nearly every month, apart from the five tablets I take a day for my regular medication.
And, if I have to claim, how do the company get medical information about me when I apparently can’t! I have access to incomplete records at my current GP but nothing apart from my own notes before I joined them two years ago. The old surgery say they can’t give out any information and the new surgery say they don’t have access to that information. How many years do I go back? The one off shoulder problem I had physio for, twenty years ago? The visit to A & E with a slipped disc thirty years ago (no back problems before or since) ? I know that many Dibbers with far more complex medical problems manage to sort this out. I get frustrated as I’m sure it could be simpler and I’m genuinely concerned that I’ll end up needing treatment and the travel insurance refusing to pay out because I missed something. Am I missing something, is there a better way of getting the information? Or finding an insurer who makes the process easier? What does everyone else do? Sorry for the rant! 🙄 |
1 Apr 19, 11:09 PM |
#2
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VIP Dibber
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Don't worry about the rant just don't get my DH started on the subject. We always struggle with this as well. We have found that the best thing to do is to find out what the insurers class as a pre existing condition. This time we have found Insure and Go easiest to cover our past history because for most things they only wanted 2 years history.
But I usually have to sit down for hours working our way through various ridiculous quotes as you say some want you to declare absolutely anything you have ever had and as we get older that's an awful lot to declare. My pet hate is that I have to declare a Broken Ankle - I actually broke it over 40 years ago but because it left me with a deformity for which I still take pain killers which none of the insurers computer systems can cope with declaring that so I have to declare it as if it is still broken! Ridiculous. All we can advise is check check and check again. Good luck. |
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1 Apr 19, 11:18 PM |
#3
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Imagineer
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Currently going through a similar headache. Luckily the doctors gave me a full print out of our medical summary sheet this time with anything in the last 2 years and all our meds. There are 3 big envelopes full of stuff which I've sifted through and need to ring our insurer tomorrow to start taking it all through. It's a right pain but I tell them everything just to be on the safe side. Good luck!
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WDW too many times to count DL 1999 Paris 1996 |
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29 Aug 19, 06:44 PM |
#4
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Apprentice Imagineer
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I thought I was the only one who dreaded this part of organising our holidays. Even this year insurance for Spain was traumatic. Boots wanted the stage of brain tumour DGD had 20 years ago. I informed them that there was no stage for this. They said I would have to speak to an insurance underwriter. I gave up and went elsewhere.
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29 Aug 19, 06:49 PM |
#5
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VIP Dibber
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Bbvcan i ask who you went with please, DD had brain tumour diagnosed 2 years ago. Still struggling to get insurance.
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29 Aug 19, 07:07 PM |
#6
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Getting Excited
Join Date: Feb 19
Location: Lincolnshire
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It is interesting to see how prices differ when you go on comparison sites. I have had quotesbetween £275 and £1200 with the same conditions. 1 of the cheaper ones covered flight company going bust and some of the more expensive 1's didn't. I don't know whether to go for 1 of the cheaper quotes or staysure who want £418 for the 2 of us. What insurance companies does anyone reccomend that doesn't cost the earth.
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29 Aug 19, 07:28 PM |
#7
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VIP Dibber
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Hi I went with spectrum insurance last year. I am susceptible to ear infections and forgot to mention them, I've had dozens that required anti biotics.
Obviously I got one last year, really bad, ear and face swelled right up and blood was coming out of it, I was in agony. Went to centracare and spectrum were excellent, no quibble over the claim, no problems at all. So wondering what checks do they do with your gp ? My DH has various serious conditions including cancer which we declare and I declare my asthma but when I got the ear infection I was sure the claim would be refused as I forgot to mention I suffered from them but nope, no problems at all. I had never heard of spectrum and they were the cheapest quote so goes to show cheap and unknown doesnt necessarily mean bad.
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