Advice on holiday insurance with medical pre conditions

[thunder.mountain.railroad]

We are looking to take out annual holiday insurance.

My wife and I have been treated for cancer in the past, had ops and have now been clear for 10 years.

However when we get quotes we are asked the question "have you ever had.....".

We then end up with quotes which include cover for these 2 problems. We don't need those problems covering.

Does anyone know of a company which can exclude this from our cover?....Thanks

[aernethril]

I only saved these from an MSE email and know nothing about them - but have you looked at

http://www.staysure.co.uk/travel-insurance

and

http://www.globaltravelinsurance.co.uk/IAR1544/quote

[thunder.mountain.railroad]

Thanks.

I'll check those out

[hale-parva]

Try RIAS I use them as I also have cancer (4yrs) they will cover anything that is NOT related to your medical condition, they will send you a separate letter to say that you understand your original condition will not be covered. But surely you are no longer haveing check-ups after 10yrs.  Give them a ring and get further advise.  I used them after being told by other companies that I could pay the premium BUT they would cover nothing health related, be careful and if in doubt, ring them you may also get a lower price than the one on line.  Good luck. 

[logbox]

My O.H has been clear for 5 years now but insurance companies still say she is not covered unless we pay extra, why do we need extra I asked myself, it is not like the cancer is suddenly going to re-occur and need an urgent op while we are away so I no longer inform them, it only means you are not covered for that particular probem, you will still be covered if you fall and break your leg or get food poisoning.

[upthecreekyetagain]

---

@logbox wrote:

My O.H has been clear for 5 years now but insurance companies still say she is not covered unless we pay extra, why do we need extra I asked myself, it is not like the cancer is suddenly going to re-occur and need an urgent op while we are away so I no longer inform them, it only means you are not covered for that particular probem, you will still be covered if you fall and break your leg or get food poisoning.

---

I wouldn't be too sure about that - if you read the policy carefully you will probably find a condition stating something along the lines of, "failure to fully disclose any relevant information may invalidate this policy"

[logbox]

Well I went into this when we went abroad for the first time after her cancer op, when you mention it they send you through to their medical dept, they then offer to cover you for some extortionate amount, when I said I was sure that there was little or no chance of her (ex)illness causing problems on holiday they actually agreed but did say that in the event we would not be covered for any treatment needed regarding this, any other trouble would be covered as per normal.

So I stand by what I say, I am covered by the co-op though so maybe some lesser insurance companies might try to wriggle out of it.

[electric*mayhem*band]

People should listen to Logs. He spends more time flitting around the globe than Michael Palin.

P.S.

Couldn't lend me a tenner could you, for a week-end in Blackpool ?

[electric*mayhem*band]

Well he's had plenty of time to reply, so I hope that on his forthcoming cruise up the Amazon his Kayak sinks.

*that's told him*

[upthecreekyetagain]

---

@electric*mayhem*band wrote:

People should listen to Logs. He spends more time flitting around the globe than Michael Palin.

---

Maybe but of course how sound the argument about deliberately failing to disclose relevant information is won't be tested until a claim is made.

http://www.itij.com/feature/non-disclosure-revolution

"The Law Commission states that 'if the insurer would have excluded a certain illness, for example, the insurer need not pay claims which would fall within the exclusion but must pay all other claims. If the insurer would have charged more for the policy, it must pay a proportion of the claim'. This means, for instance, that where a higher premium would have been payable if the insurer had known the full facts, a certain proportion of the claim would still need to be paid to the consumer based on the premium apportionment. "

Could work out as a very expensive saving if the difference in premiums are as high as has been suggested.

[aernethril]

So the message is to not only ask before taking out the insurance, but if they agree to not cover for the old condition, but will fully cover for anything new which happens on holiday, to get it in writing.

I would also imagine that the issue of getting cover for cancellation of the holiday should an old condition flare up, would also be a non-starter.

[apachemoosa]

with travel insurance you have to make a medical declaration if you have had any medicsl treatment recently. Any diabetes, blood pressure, breathing problems, heart, cancer,
anxiety etc all count. If you are on medication  from the hospital  that is against You , And so the costs mount.  If you don't declare these things then even if you fall ill with something unrelated they fight the claim and if they can prove it was a prexisting condition then good luck with claiming anything. Better safe than sorry I say http://gotravelinpeace.com

[stan3502]

we had the same problem as O/H has a defib but our bank gave us the best deal

[lhasa.two]

Op, if you're over 50, try Saga.

[mustard-tree]

There is something being advertised on TV.

Cant remember the name of the insurer, but it is the one where he is going on golfing holiday and she is off to Venice with the girls.

She has had a knee replacement, and he has high blood pressure, cholestrol and bunions.

£79 for the two of them was quoted.

[suzieseaside]

I think that ad was for Staysure - the first one mentioned by aernethril in the first post after the OP.

[tommy.irene]

Stevie can get you cheaper at £52 see his thread.

[blackburn_stevie]

Tommy ..... That was with the one that Suzie just mentioned.

[blackburn_stevie]

BTW .....  has anybody noticed that when talking about holiday insurance and paying excess for pre-existing medical conditions, thenthe amount of excess payment is usually just a few quid more or less than theexcess payment due  after disclosure. strange that, eh.