Travel Insurance

Thank you Rose, I hope so too.

I do hope you find something, numberplease and are able to go. It would be a good pick-me-up.

Nfk, I`m nearly 72, hubby is just 71. It was bowel cancer that he had nearly 2 years ago, had an op and was said to be clear. He`s just had a stoma reversal op which went fine, but then got pneumonia which kept him in ICU for 8 weeks, but he`s been home now for over 4 weeks, and apart from difficulty walking, is fine. He is on rather a lot of prescription drugs still, which might be the problem. So far, I`ve tried All Clear, and Compare the Market.com. Hopefully, my daughter will be coming tomorrow, she`s quite savvy about this sort of thing, maybe she`ll find something for us.

Oh, don't give up yet. Are you really, really old? I can't believe a stroke from which your OH recovered and is well would bring premiums up that much. Have you asked Age UK? They may know of companies which specialise.

Looks like we won`t be going on holiday then, because the quote is more than the holiday costs!

Well, you just never know so it's better to be on the safe side, although I have risked it a couple of times.

Agree Rose absolutely. My uncle died abroad and they were able to bring the body home because he was fully insured and for a lot of the family they found having the body at the funeral was very comforting. Sorry for morbid note

I had a 10 year checkup this year and was 'signed off' by the consultant but the insurance company still counted it as an 'outpatient appointment in the last 12 months', no amount of discussion would make them budge on price.
I would declare it, number otherwise it could invalidate any possible claim - even on an unrelated condition.

I went to a Saga Holidays info day thing last week. Apparently their travel insurance for their holidays has no age limit and I think they just need to know health problems. It's probably because you're in a supervised bunch. They do an annual one too, I can't remember the criteria but I don't think there was an age limit on that either. Health issues didn't affect the premium, they just needed to know.

We've had an annual one with Aviva for years which we've kept up because the age limit is 85. We give them a ring around renewal time to update our infirmities and calamities. It doesn't seem to make much difference to the premium.

numberplease. Have you tried insureandgo.
They ask perfectly reasonable questions, and in an easy way.

Number - that does surprise me. My husband had cancer 12 years ago and for most policies IME they ask about the last 10 years . They never ask about whether the person has been declared clear but base their decisions on actuarial information they have about the recurrence rates across the board. I read somewhere that their main concern is paying out on cancellation claims. Does he still go for regular check ups? Sometimes it's that question which then prompts the disclosure.

Google the company? Read the FAQs?

It also doesn`t give you the option of stating that he was declared clear, just wants to know any medical condition and if he`s taking strong pain killers.

I`m here again about travel insurance! I tried filling in an application form online, but when it asks about medical conditions, do I have to put on about hubby`s bowel cancer, as it was nearly 2 years ago, he was operated on and declared clear? The form doesn`t really make it very clear.

dotsmam we have 'normal' travel insurance through the bank, so I took a chance for a week's trip to Malta knowing that a flight back at short notice would probably be less than the insurance cost. I am not sure how it would work out if a hospital stay was needed. I wouldn't advise anyone to do that, they would have to decide for themselves. However, for a longer trip to Australasia I have taken out insurance which covers pre-existing conditions.
I would have thought if you broke your leg (heaven forbid) that would be covered by normal travel insurance or the EHIC - surely they couldn't refuse to pay out on the grounds that a pre-existing condition caused you to fall down and break a leg or get sunstroke? You never know, though, they sometimes do their utmost to avoid paying up.
I think that would be the case if you don't declare everything mcem, DH has mild asthma using inhalers and they said that is OK, no extra charge. Worth finding out exactly what the EHIC covers.

The cost of broken bones can be enormous, though, as a member of my family can testify; she had to have hospital treatment, a much delayed return, a medical escort on the plane and 1st class flight! That was a non-EU country. Luckily her insurance paid up.

We've planned a short trip to France in July.
14 yr-old and 6 yr-old have inhalers for asthma ( mild and controlled).
4 yr-old has nothing to declare.
I have slight arthritis in one hip and take low dose of statins.
Don't know if these are serious enough to declare or if I can just ignore them.
EHIC cards are all in place.
What do you think?

Oh Rosequarts I would be too scared not to declare everything including an in growing toe nail! Someone else advised me that you can get insurance that covers you for non existing conditions and accidents and let's face it is doubtful even if I found a new breast lump on the plane on the way out that I would need hospitalization! I am much more likely to break my leg or get sun stroke ( being a nice Scottish blue/white colour!lol)

I took a chance with the normal insurance which doesn't cover pre-existing medical conditions when we went to Malta.

I am not sure about Europe Dotsmam, would the E111 cover it?

I was really cross, though; because I had a checkup (hopefully the last one for that particular condition fingers and toes crossed) early this year, they bumped up the insurance - even though I have a discharge letter!
'Have you visited the hospital as an outpatient in the last 12 months?'
Answer 'Yes'
'Oh, that's an extra £125 please.'

number I had breast cancer and my DH has a pacemaker we paid something like £140 for a single trip in September this year.

That`s my main dread Dotsmam, my hubby had bowel cancer nearly 2 years ago, but was operated on and cleared. I worry about how much the insurance will be, so daren`t actually book a holiday.

This post fills me with dread - we have a whole family holiday booked for Malta in the tattie holidays (October to non country folk) and it never occurred to me that the very thing we are celebrating being gone will cause a problem. (I finished my cancer treatment last summer) now I am scared to price the insurance.

Could you let me know which bank, or pm me please anno
We are with the black horse one and they won't cover pre-existing conditions but they do cover up to age 80.

My travel insurance with the bank covers pre-existing conditions as long as they know about them.

numberplease you can fill in the online form (honestly!) and get a quote without being committed to anything.