Travel Insurance pre existing conditions

[dorothy]

Hi Addict, just read your post and hope all goes well with you and your treatment, I saw holiday prog other day on tv and some people having same prob, and first thing is do not look on net for insurance companies, but first of all as some said ask health care advisor and other is to phone some companies as they dont all use comparison sites, EHIC only covers some but not all medical emergencies and even in european countries you could find it expensive, as it may not cover in the unlikely event u need one......an ambulance, rediculous I know, as said one woman they talked to done comparison site and was quoted £1200 and she had been clear of her pre existing condition for nearly 5yrs, but they word it as it was only in remission.........but after phoning round she had one company that was able to go into greater detail with her and was fully insured for £113, what the watch dogs are saying the forms on comparison sites only ask basic and its not until you talk to someone and explain the whole situation that they can assess you as an individual and make you insurance individually suited to your needs.

 

[slowmotion]

Hi Addict, just read your post and hope all goes well with you and your treatment, I saw holiday prog other day on tv and some people having same prob, and first thing is do not look on net for insurance companies, but first of all as some said ask health care advisor and other is to phone some companies as they dont all use comparison sites, EHIC only covers some but not all medical emergencies and even in european countries you could find it expensive, as it may not cover in the unlikely event u need one......an ambulance, rediculous I know, as said one woman they talked to done comparison site and was quoted £1200 and she had been clear of her pre existing condition for nearly 5yrs, but they word it as it was only in remission.........but after phoning round she had one company that was able to go into greater detail with her and was fully insured for £113, what the watch dogs are saying the forms on comparison sites only ask basic and its not until you talk to someone and explain the whole situation that they can assess you as an individual and make you insurance individually suited to your needs.

Good points. I rang quite a few insurers and it was interesting to compare the attitudes of the people at the other end of the phone. Some seemed to be mindless tick-box drones. The better companies asked a whole lot more intelligent and focussed questions and usually came up with more competitive quotes. Yes, it's just down to the "script" that they have to go through, but some scripts were a whole lot better than others.

BTW, I'm glad AF seems to be sorted.

 

[ASC1951]

Already got our EHIC....

Good. I only mentioned it because lots of otherwise well-informed people - my sister, for instance - seem not to know about it.

 

[SatNavSaysStraightOn]

Thanks for all the replies, looks like I have found what I'm after at a cost of £29 so I'm well pleased with that.

Glad you have found something at a sensible cost?
Can I ask you who it is with please? Out of obvious interest for when I am back on my feet...
thanks

 

[addictfreak]

Glad you have found something at a sensible cost?
Can I ask you who it is with please? Out of obvious interest for when I am back on my feet...
thanks

Ended up using AXA, sensible quote and came highly recommended from someone in a similar position.
Hopefully i wont have to put it to the test.

 

[Monsieur]

Done a bit of research on this these past few days.

I've got high blood pressure and high cholestorol and take prescribed medication for both (also for gout).
I declared this to my bank as I use the free travel insurance that comes with my halifax bank account and was charged £41 for the year.

I've compared the policy from the bank with several other travel insurance quotes from the 'big named' companies and guess which one comes out top every time for limits of cover? The bank policy. I'd had quotes ranging from £96 basic cover to £246

Now I know I pay £10 per month for the bank account but this travel policy covers me, my wife and my three children, plus our cars are covered for AA breakdown, both my daughter's iphones are insured and I get household emergency cover to boot (which I've used three times this year alone).

All in all a good travel insurance policy me thinks, even with my declared medical issues (worldwide multi-trip insurance).

Maybe worth looking at your bank account and check out their policy

 

[Schmilliemoo]

HBOS AA policies are good. There are a few differences in cover than going direct but they are negligible.

 

[Schmilliemoo]

Ended up using AXA, sensible quote and came highly recommended from someone in a similar position.
Hopefully i wont have to put it to the test.

Axa underwrite the AA policies. Glad they sorted you out

 

[Tanis8472]

Not quite true - it covers the part that is free for locals as part of their health cover, and does not cover the incidentals like ambulances if they are charged for and repatriation. I had to pay a part of the hospital cost in France when my son broke his femur - which the insurance refunded. Spotted the Irish EHIC site gives details of what you get free/need to pay for.

Bear in mind it can be very expensive, while on our skiing holiday in Austria this year we chatted in the bar to a woman who'd had her cruciate ligament operated on at the resort - it was £8000+.

I think, i read this somewhere late last year, that you need to have the card with you at all times too to be covered.
Having it in the room when out wont cover you.

Correct me if i' wrong please.

 

[Monsieur]

Spain and Greece are being 'urged' by the EU to honour EHIC cards...clearly the cards aren't quite the help they were intended to be.

Take EHIC but also ensure you have adequate trip insurance...you never know

 

[Schmilliemoo]

Spain & Greece are certainly problematic, hence you can choose to cover Europe without Spain, Greece or turkey.