Travel insurance

skid2

LE
Book Reviewer
#1
Anybody got any reasonable thoughts on travel insurance policies
Good ones would help.
Existing condition but not life threatening just entertaining at metal detectors.



Did I say thank you?
Thank you.
 
#2
Anybody got any reasonable thoughts on travel insurance policies
Good ones would help.
Existing condition but not life threatening just entertaining at metal detectors.



Did I say thank you?
Thank you.
Check with your bank to see if you are already covered.

Oh, and no-one ever says thank you.
Ever.
 

skid2

LE
Book Reviewer
#3
Old, grey and properly brought up. But at least I didn't start with sorry.


Banks nope. My favourite one used to cover me but not Ms Skid2. I asked.
 
#4
On the bank point, I'm also not covered by my bank (assuming you mean it was as a perk with your account?) but I can pick up a reasonably-priced policy from them when I'm travelling on my own time. I see the online application lets you select cover for more than one person and there doesn't seem to be a problem with pre-existings, either. I don't think you need to be a banking customer, either. You might get some mileage from them.

I recall I once got a good annual policy through my credit card provider when I was off to the US several times a year, too.

The meerkat looks like he can sort you out a good deal, too:-
https://travel.comparethemarket.com/PolicyDetails

I imagine Go Compare and MoneySupermarket will also source offers, too.

Edited to add: is Mrs. Skid2 disbarred by your favourite bank because they've changed the products they offer or because she also has a pre-existing...?
 
#6
I have an existing condition so I had to search around.
I wasn't too impressed with comparison sites, especially the fact that reviews always seem to be about how easy the insurance was to take out. I wasn't bothered about how user friendly the buying process was, I was far more interested how the companies fared, if and when they came to paying out.

'Free Insurance' had to be checked carefully, some had exclusions in the small print.

I also tried to avoid the High Street names, most of them are only agents. If I take out an insurance with let's say, Sainsburys, I would want to deal with Sainsburys in the event of a claim, not be fobbed of with, "We only sell the insurance, you must contact the actual insurers"

I had the opportunity to exclude my condition, tempting as it was to save a bundle, as far as the insurance companies go, excluded conditions can be related to a lot of others things.

Speaking to someone on the phone was beneficial, rather than fill in a web form.

In the end, I opted for Direct Line, not the cheapest but they suited my requirements.
 
Last edited:

The_Duke

LE
Moderator
#7
On the bank point, I'm also not covered by my bank (assuming you mean it was as a perk with your account?) but I can pick up a reasonably-priced policy from them when I'm travelling on my own time. I see the online application lets you select cover for more than one person and there doesn't seem to be a problem with pre-existings, either. I don't think you need to be a banking customer, either. You might get some mileage from them.

I recall I once got a good annual policy through my credit card provider when I was off to the US several times a year, too.

The meerkat looks like he can sort you out a good deal, too:-
https://travel.comparethemarket.com/PolicyDetails

I imagine Go Compare and MoneySupermarket will also source offers, too.

Edited to add: is Mrs. Skid2 disbarred by your favourite bank because they've changed the products they offer or because she also has a pre-existing...?
How can you tell if there is a problem with pre-existing conditions? Barclays ask you to tell them what you have, and then they will decide whether to cover you or not?

"If we extend the cover under your policy to
include any pre-existing medical conditions,
this will be shown on your policy schedule.
This will confirm the new terms under which
cover is provided and must be produced
should you make a claim, so please keep it in a
safe place.
We reserve the right not to extend the cover
under your policy."
 

The_Duke

LE
Moderator
#9
All travel polices have exclusions, but they must list what they are in plain language. You also have the right to a quibble free refund if you cancel within 14 days of purchase.

Read the policy wording, make sure that you declare everything and then they will either accept, apply specific terms or decline.

If you are travelling within the EEA, consider EhicPlus. Their medical acceptance system is very sophisticated so they can include conditions that others would decline, but you need to be aware that you will have to use whatever state hospital provisions you are entitled to under EHIC. You won't be getting a private room and treatment, but they will provide all of the assistance and repatriation support you get with the more general coverages.

http://ehicplus.com/
 
#10
How can you tell if there is a problem with pre-existing conditions? Barclays ask you to tell them what you have, and then they will decide whether to cover you or not?

"If we extend the cover under your policy to
include any pre-existing medical conditions,
this will be shown on your policy schedule.
This will confirm the new terms under which
cover is provided and must be produced
should you make a claim, so please keep it in a
safe place.
We reserve the right not to extend the cover
under your policy."
I concede that I was a bit casual with that, as I was in a hurry. The intended meaning was that there doesn't appear to be an outright "If you're crock already don't bother applying" refusal. They consider the risk on a case-by-case basis.

As the OP appears to be suggesting he's just had a few broken bones pinned (or his head plated!), so he might be told to hoof it if he wants cover for a skiing holiday but otherwise would probably be accepted with few if an conditions.

But as Stanchion suggests, it looks like going to your bank or credit card provider is probably not going to derive the best deal so it's academic. As he points out, if you've got pre-existings it's probably better to ring up and speak to someone. Some rudely healthy, intact smarmy git like me can just go online and tick the "No" boxes in that section that asks all the probing questions about being a smoker, having asthma, a history of heart attacks and stroke, etc.

Still, I was only trying to help.
 

The_Duke

LE
Moderator
#11
The person you ring up is, in the majority of cases, going to be a low paid call centre worker who will be pressing the same buttons as you do at home.

These sorts of schemes have very little freedom of action and the chances of reaching someone who can over turn the rules contained within the system are very slight.

So what? Shop around until you find one whose rules match your needs. If you can't find one, a specialist broker might be able to help but it won't be cheap!
 

skid2

LE
Book Reviewer
#12
Skiing, hell no. Nothing more colourful than graveyards, battlefields, museums, architecture and beer.
Right about the pins and plates although as far as I know it's limited to limbs.
 
Thread starter Similar threads Forum Replies Date
brettarider Travel 7
Fablonbiffchitthe1st Finance, Property, Law 13
fltpilot Health and Fitness 0

Similar threads

New Posts

Latest Threads

Top