travel insurance

Holidaysafe was the best I could find

'I'm surprised Nationwide covered you for Tunisia Babcia, particularly in view of the advice from our government for the past two years. For almost 20 years until a health problems put a temporary stop to it I visited the country twice a year, usually Sousse. I very much hope to get back again before the end of this year. Some years ago I spent a few days in Clinique Essalem after slicing my foot open tripping on a pirate boat.

I am 64 and have a few pre-existing conditions and went on a comparison website and took out an annual policy with Virgin Travel insurance for £260. Reading through the policy i am also covered for winter sports so must have clicked a button for that by mistake!

insurancewith.com gets good reviews, but we got a good deal (£81 for a year via comparethemarket.com).

Sorry if this has been posted before.

LadyGracie Thanks very much for the mention of the "Ehic Plus" insurance. That's one I've never heard of. Have made a note for future needs.

Elizabeth1 - that is not the case with all travel insurance. You do have to advise them if you are having medical investigations, or are awaiting a procedure but your Travel Insurance certainly does not always become invalid.

DH and I both have pre-existing medical conditions and are in our early 60's. We've had an annual Europe policy with the AA for many years and I think it was about £130 last year and we were able to add on a 2 week trip to Dubai at a reasonable cost.

LewLew I am SO pleased you had success.

I found them some years ago when travel insurance from all the usual companies went sky high. I think initially I discovered them on Martin's money tips, or Money supermarket??? Can't remember. My OH is 82 and as long as he goes through the medical on the phone with them he gets his insurance. I'm coming up to 70 so mine will go up a bit next year, but it is till affordable with Blue Bear.

Very pleased to have been of help!

EnglishRose Sat 10-Jun-17 23:30:23 I just got a great quote from the one in your post based on my being 67 and DH 74 for an annual with reporting blood pressure! It seems they are better with 74 vs an age range of 74-80 which the other company I bought from lumped together. Even when I put in him at 75 if we need ins for the following year, it was better.

Cheers!

Also, if you have pre-existing conditions and you find an insurer willing to take you on, do remember to read the very tiny weeny print and make quite sure that you actually have full cover for those conditions.

The decisions about how to charge for pre-existing conditions is based on very crude algorithms that do not take individual circumstances into account. The youngsters on the phone just follow that rigidly and it can be very frustrating.

STA travel was very reasonable for a years cover worldwide and the extra premium for two medical conditions which are just monitored was minor. A few hundred overall I recall. There are a range of companies that specialise in covering pre existing conditions. You could google a list of them. Good luck ?

I'm on holiday at the moment with a non-malignant brain tumour, high blood pressure, long standing depression and two hip replacements. I'm 61.

I used to buy my travel insurance annually, but the price quoted (since my brain tumour diagnosis) was ridiculous, so I went for one trip with 'Get Going'.

Premier cover gives me more cover than I need for £39. That is only Europe mind you; the US or similar is bound to be more.

I would not recommend anyone going abroad without travel insurance but the amount you have been quoted does seem very high. I am lucky enough to be covered for travel on my bank account,I go to Spain to visit my family so this is very helpful.

Of course one must have travel insurance. This thread with its array of horror stories and actual charges incurred with illness and injury abroad nicely illustrates the high cost of medical help which we take for granted with our free at the point of use NHS. It should make us thankful and aware of the success of our system.

I am in Canada now. Have a couple of medical conditions. Thyroid Diverticulitis. 18 days with Avant for £203.

Have to say we did have pre existing conditions for Husband and they took that into account. Did extensive medical over the phone. All OK.

www.bluebeartravelinsurance.co.uk/

We have used Blue Bear for years now. Last year to travel to Sicily it was less than £100 for the two of us, the same this year. You can go beyond 80 on this, it is pretty extensive and so far so good! Hope this helps.

Another one here who would recommend Money Saving Expert. They have a link to a site which compares quotes for pre existing conditions. DH has had several strokes and I have used a site called www.ehicplus.com/ which provides cover for travel delays, lost luggage etc but medical conditions are dealt with by the Public Health Service of the European country you are visiting. Yet another thing we will lose post Brexit, but handy if the cost of full medical insurance is prohibitive.

Very interesting thread and very pertinent for DH and me. We have annual insurance declaring existing conditions which ends July this year. Beg April DH had THR which has not been straightforward necessitating him still being under care of surgeon. We have annual family jolly to Majorca booked end of August. Assumed he would be all clear and discharged by now. May well be by Aug when we will shop around for insurance but we have letters from surgeon setting out what's been done which will be submitted to insurance company. We wouldn't dream of going without insurance. We accept we may have to pay more but so be it. If he's not discharged by then, if surgeon advises against trip and if we can't get insurance we accept we'll just lose our air fare (and our proportion of accommodation cost too) but we will insist rest of family go. Will go onto comparison websites as advised.

My husband and I paid £600..ish for annual worldwide travel including the states. He has pre-existing medical conditions. Depends on your medical condition I suppose.

A couple of years ago I was quoted just under £2,000 for a fortnight in Spain!! Mainly because my cancer was not one of those listed by the insurance companies - although I was in remission and could provide results of a scan to prove it. It was even suggested I call it cancer of the appendix because it had been found in that area. When I challenged this, saying what if I needed to claim, wouldn't the insurance company be within their rights to disallow the claim? The response - oh well, yes I suppose so!!
I then found a company called Waltham Travel, who agreed to insure me for £39 but this would exclude all pre-existing medical conditions. As it happens, I didn't actually go to Spain in the end for a number of reasons, but Waltham Travel couldn't have been more helpful. If they are still available then I would suggest they are well worth a try.

Macmillan has a list of travel insurers
I had a telephone screening with MIA www.miaonline.co.uk/ and got cover for 2 weeks after my radiotherapy had ended. I now have annual multitrip insurance at a reasonable rate, premium is rlinked to how many pre-declared conditions you have.
Helpful people at the end of a telephone.

As an insurance broker (albeit specialising in commercial/corporate risks) I would say, does this quote exclude pre existing medical conditions, they usually do.They normally require you to phone a mediline telephone number to discuss any pre existing conditions and will then quote based on this. Difficult to say without seeing your insurance quotation. Do you need insurance? I have to say yes you do. A "GOOD" Broker will advise.

You need to shop around and talk to the high quote companies. I was trying to take out insurance with pre existing conditions, insurers advised me to wait until 1 year was up from last seeing consultant. It worked, from no cover to £180 for a 3 week cruise..

It would be foolish not to have insurance and some companies insist on having the account number before they allow you to travel. I think most non-age-specialist insurance companies increase the amount at over 65 and then again at over 70.
Try using an online broker such as MoneySupermarket.com or comparethemarket.com to get you the best price.