European travel insurance - pre existing conditions

That sounds very reasonable for a trip to the US.

What annoys me is that they ask if you have had an out-patient appointment for a previous health risk; even if the hospital says 'all fine, see you in 12 months' time' the insurer counts that as an ongoing condition and charge more.

I booked on line. I have a number of existing conditions, I take fairly heavy end medication and have some investigations ongoing. We are going to the US (first time for me) this year so I was anxious. I'm paying just over £300 which seemed fair, if a lot of money.

£198.06 from holiday risk. £118 is still our best quote.

For us, Staysure were more expensive than Saga, we tried them first.

I will shop around!! and look at holidayrisk

Thank you M0nica and Badenkate.

I was weighing up the potential costs versus the cost of insurance (which I would take out definitely if travelling beyond Europe). Lost luggage or property, an accident etc would be covered by existing insurance through the bank's insurance, but anything related to a pre-existing condition would not.
It was over £500 for travel to Australia and South Pacific.

Purchased from holidayrisk £109 for an annual multi trip insurance to Europe for 4 medical conditions. Here's hoping they live up to their promise should they be needed.

I'm trying our home insurers (NFU) now - watch this space!

Just looked ours up OP and it's an annual for two people worldwide £420. It's underwritten by Zurich. We have a collection of pills we take and we are both over 70.

Quotes so far for a week in UK followed by a week in Brittany vary from £118 to £253.

Dh and I got 18 days cover in the USA (expensive band 4) for £239 including pre-existing conditions with Staysure. Saga came up too expensive.

We`ve just insured with Saga for a 6 day cruise of the Norwegian fjords, hubby has a few pre-existing conditions, it was £245.91 for the 2 of us. A few others we looked at wanted to charge far more.

Jalima You do need travel insurance if travelling in France. Your EHIC only pays part of your costs.

The French health system is a combined private/public system. French people, unless very poor are expected to have compulsory private health insurance. The state covers part of the cost, the insurance the balance. The EHIC covers the state contribution . You need an insurance policy to cover you for the balance of the costs.

When DH was taken ill and needed to be seen in A&E, we got a bill for about 32 euros, plus the cost of the drugs he was prescribed. Another 40 euros.

We use the free travel insurance provided by our bank and DH pays a £90 supplement for his pre-existing conditions (diabetes and high blood pressure). That is £90 a year as we have an annual travel policy.

Far be it from me to be cynical Jalima, but my feeling is that insurance companies will search for any reason not to pay out, and would try to argue that any claim you made would be partly at least due to an existing condition

Ps bearing in mind we have travel insurance through the bank for everything other than pre-existing conditions?

I have used Staysure when travelling in the Antipodes. It does give peace of mind.

I am wondering if I need anything other than the EHIC if I travel to France?

Are you happy to try online.
I've booked with Staysure as mentioned on the Martin Lewis page.
Staysure cover pre existing conditions up to the age of at least 80.

Have you tried Saga? We've just done annual cover with someone else. I'll have a look and post later.