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Travel Insurance

(65 Posts)
jaymbee36 Mon 29-Aug-16 10:23:16

I have a DILEMMA.I have been visiting and staying with my daughter and family in America at least twice a year for years using the free travel insurance that came with my Bank Account. This 'perk' ended when I turned 80 this month and I am finding it difficult to find affordable insurance for my next visit in November.as soon as I list my Ailments (including Cancer of the womb 3 yrs ago) the price ranges from £1300 to £3000 -(this from the bank that gave it to me for free), the tickets only cost me £500. So now do I cancel my holiday or chance it and go without insurance.

tanith Mon 29-Aug-16 10:25:45

Have you tried shopping around jaymbee36 I got a reasonable price from Saga despite listing a few ailments.

SueDonim Mon 29-Aug-16 11:04:28

I wouldn't chance it, you could be landed with horrendous bills if you have an accident or something, unless of course you can afford those costs.

Have you tried the comparison websites? Or look on Martin Lewis's website?

Another alternative is to see if you can upgrade your bank account, because some of them offer insurance up age 85.

Good luck!

jaymbee36 Mon 29-Aug-16 12:29:02

As soon as I enter the C word the price trebles, also some firms won't even give me a quote because I'm going for 50 days (to cover Thanksgiving, Christmas and three Birthdays !!!

granjura Mon 29-Aug-16 13:50:54

Just don't chance it without insurance- please as it could cost $$$$$$$ if anything happens- really really not worth the risk.

But yes, shop around- and be prepared to accept that due to age and pre-existing conditions, it will cost quite a bit. Worth it so you can visit your loved ones with peace of mind.

My brother didn't bother last Christmas to get insurance to go to the Domenican Republic- and it has cost him an absolute fortune as he got very ill as soon as he got there. He also couldn't afford repatriation, and had to wait for his scheduled economy flight 3 weeks later - still very ill and with the scars of a massive abcess on his rear end - to be taken straight to hospital by ambulance on return. He is now in a rehab place waiting for a place in a OAP home (age 68) and with huge bills he can't pay.

cornergran Mon 29-Aug-16 14:20:51

Feel for you jaymbee. I wonder if a specialist broker could help? I believe cancer research also have some information. Think in your shoes I would try to find a specialist broker and let them do the hard work. Do agree with others, insurance is essential for peace of mind. fingers crossed for you.

Charleygirl Mon 29-Aug-16 14:59:02

I agree with others, it is too risky going anywhere without insurance- if you did, sod's law would take over and it is not worth it.

Follow the advice of others by finding a specialist broker.

Maybe think of changing your bank account or opening another eg the RBS provide "free" insurance but I do not know what the upper age is.

chelseababy Mon 29-Aug-16 15:56:54

There is a Telegraph article on this subject from this July which might help. I just googled insurance for cancer sufferers. Good luck.

jaymbee36 Mon 29-Aug-16 17:36:57

Thanks for all the suggestions, my cheapest quote to date is £1208.64, makes it an expensive visit.

suzied Mon 29-Aug-16 17:44:36

Is it for an annual policy? If so, it's £100 per month, so maybe worth it? Cram in as many holidays as you can next year!

suzied Mon 29-Aug-16 17:45:18

Definitely don't go to the USA without health insurance.

granjura Mon 29-Aug-16 20:51:45

it may seem expensive- just depend how much you want to see them.

For me the only question would be, can I afford it or not.

And if not, would it be acceptable, in their cirucmstance, to ask son for help.

Neversaydie Mon 29-Aug-16 22:42:15

Two friends-he has some sort of serious pituitary problem,she has had a mastectomy about 5 years ago- mentioned recently they had paid £900 for travel insurance for USA They are 76 .So I would think you should get it for less than that?I would think it worth asking the cancerc support networks?

jaymbee36 Tue 30-Aug-16 09:48:37

The quote of £1208.64 is just for ONE holiday (if it was annual I would pay it). My operation was 3 years ago, if it was 5 or more it would make a difference and being 80 years old doesn't help either !!!

Izabella Tue 30-Aug-16 10:05:43

Absolutely never travel anywhere abroad without adequate travel insurance, particularly America. If you need treatment of any kind the first thing they will ask for is your travel insurance. If you are taken to hospital by ambulance if they know you have no insurance you will end up with very second rate care. You also need to ensure any insurance includes emergency repatriation to the UK. I visit the US regularly and have many relatives there. Not having insurance could lose your home and everything you own. Believe me they are extremely aggressive at pursuing monies owed. Totally not worth the risk.

Izabella Tue 30-Aug-16 10:11:35

And on a more helpful note perhaps try this ?

payingtoomuch.com

jaymbee36 Tue 30-Aug-16 10:17:15

Please, Neversaydie, could you find out who your friends got their insurance from, as my quote is the cheapest I can find on-line.

jaymbee36 Tue 30-Aug-16 10:23:13

I tried payingtoomuch, they were more expensive. My quote was from JustTravelcover.com

this might help someone else

Chrishappy Tue 30-Aug-16 11:06:39

Don't know if your a retired union member, I got mine through UIA as I was a unison member. They're very reasonable .

dragonfly46 Tue 30-Aug-16 11:07:08

I think you have been lucky with the bank but wonder if they would have paid out if anything had happened. We had free insurance with the bank but as soon as I declared my husband had diabetes they wouldn't cover us!

krysiam Tue 30-Aug-16 11:09:39

I use Holidaysafe. Have you tried them?

goose1964 Tue 30-Aug-16 11:10:08

one thing to be aware of in the USA is over treating, my SD works for a travel insurance company & they are in dispute with an american hospital who gave a client with an ear infection a catscan & just expect the insurance company to pay up - they will only pay for acceptable treatment & do not accept a catscan is acceptable for an ear infection. In this case the person has left the US ans is not intending to go back but if you keep returning thye culd chase you when in the US - genral rule is if the NHS wouldn't do it get it in writing why it is necessary * say no to any just in case treatment

MiL has had cancer & FiL major heart surgery- both in their mid 80s and can't find one company to cover both

krysiam Tue 30-Aug-16 11:13:01

Another company I have used is MIA online

ellarussell Tue 30-Aug-16 11:32:41

I had to do a lot of shopping around after being diagnosed with asbestos related cancer. I got a really good deal from payingtoomuch.com and when in mid-holiday I found myself well enough to extend it by a further two weeks I fully expected them to charge me the same as for the previous two (I was on a cruise and calling them from on board so they could ask anything they wanted!) I was amazed that they only charged me a £50 extension fee - which I thought was really impressive. I really do recommend them.

Lupatria Tue 30-Aug-16 11:37:25

there is a website for travel insurance - they advertise on the tele. one is a group of "olders" in a swimming pool asking if they can get insurance. the other is a husband and wife wondering if they can get insurance as husband has existing health problems. in both cases this insurance company was able to sort - sure you can!
i recommended this company to my best friend a couple of years ago and as she'd had a hip replacement she found them better than others.