Travel Insurance questions regarding pre existing conditions

[Andrea1]

Originally Posted by floridalover1

Travel insurance hate doing as it takes me over an hour to get through their questions.

I have cystic fibrosis, had a double lung transplant, thyroid cancer & removal of the thyroid & finally I am diabetic. On 28 tabs a day, 5 insulin injections & 2 nebulisers. So score very high on their points systems. I have used world first for the past 2 yrs for cruising round Europe. Was dreading the Florida quote this year. It was £120 for both me and hubby who takes meds for high blood pressure & colestol.

It is important to get insurance from the same place because if anything happens to one of you. Other insurance may not fly you home together or pay for any expenses ie extra nights whilst waiting for the other one to be released from hospital or expenses to the hospital etc. My husband was added onto mine for I think it was £20 only even with those medical problems he has. There are lots of insurance company’s that my cr & transplant friend use. Not sure if I can list them on here. But pm me if you like or if you’re on fab look up the fireman heart & lung. It’s not a closed group 7 type holiday insurance in search & the the posts will all come up. Have a great ho,iday & good luck with getting your insurance. 🙂

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That looks like a really good quote. I'll have a look at World First.
James

[Andrea1]

Originally Posted by fredflintstone

Insurance companies often try it on after the first year (introduction offers etc). It's always worth phoning them up and saying you understand 10% but 100% it not realistic with no change of health. It's amazing how many times they can give a different deal.

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I think I'll try what you said and give some of them a call. At least I should be able to tell them more about my condition.
Hopefully, I may get a more realistic quote.
James

[7SeasSailor]

Originally Posted by hillcats

I know its a tad long winded, but I think the industry need changing (yes, the prices will go up as a result) but it would be a good idea if the insurer obtained the health records of any person wanting insurance cover and then make a decision based on their doctor notes, then nothing can be forgotten missed or not declared etc and genuine cover is in place...

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Check your medical record either on line or by visiting your Doctor and take notes, you then have an up to date record which you only need to do once.

[Andrea1]

Originally Posted by 7SeasSailor

Check your medical record either on line or by visiting your Doctor and take notes, you then have an up to date record which you only need to do once.

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Thats a good idea. I can check mine online and take some notes before I phone them.
Thanks

[KC2014]

I have used World First travel, Now I can Travel and for this upcoming trip I have a quote from Get Going insurance. For each of these I have done an online quote then called with the quote reference and gone over the specifics to make sure I have covered everything.

All three companies have been very helpful and ensured that I have got the best price possible while covering all pre-existing conditions. This is to cover all my family of 5 plus cover myself and my daughter's pre-existing conditions. My daughter has a rare heart condition not often included in the online questions so I think it's better to get telephone advice as well.

[Greyfriars]

Originally Posted by Andrea1

Hi. Did your wife have to have worked in the NHS to get insured, or is it open to anyone?
James

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In this case you must be an NHS retiree and a member or the NHS regiment fellowship. 🙁

[Andrea1]

Originally Posted by KC2014

I have used World First travel, Now I can Travel and for this upcoming trip I have a quote from Get Going insurance. For each of these I have done an online quote then called with the quote reference and gone over the specifics to make sure I have covered everything.

All three companies have been very helpful and ensured that I have got the best price possible while covering all pre-existing conditions. This is to cover all my family of 5 plus cover myself and my daughter's pre-existing conditions. My daughter has a rare heart condition not often included in the online questions so I think it's better to get telephone advice as well.

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Thanks. I'll have a good look tomorrow and get some online quotes, and then call them up to see if they are more flexible on the phone.

I have to say, this time around has been a nightmare with insurances. I know prices go up, but they seem to be a lot more than I expected.

[Andrea1]

Originally Posted by Greyfriars

In this case you must be an NHS retiree and a member or the NHS regiment fellowship. 🙁

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Thanks for the reply.
James

[sam7]

I appreciate medical costs especially in the US are high and insurance companies want to cover themselves, but some of the things they up the premium on are stupid. DS had an allergic reaction to penicillin ages 2, he is now 29. He had been told in all likelyhood he had outgrown the allergy but not to risk it also he is not going to accidentally take penicillin, its not in food, but they still load the policy premiums when I declare it

[Andrea1]

Originally Posted by sam7

I appreciate medical costs especially in the US are high and insurance companies want to cover themselves, but some of the things they up the premium on are stupid. DS had an allergic reaction to penicillin ages 2, he is now 29. He had been told in all likelyhood he had outgrown the allergy but not to risk it also he is not going to accidentally take penicillin, its not in food, but they still load the policy premiums when I declare it

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I totally agree. It means that anything you have had to go to a doctor for since birth could in fact be held against you if you have to make a claim.

I know all insurance companies are not like that, but I'm sure some of them probably are.