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Holiday Insurance

TommyB2405

TommyB2405

Member
Messages
14
Type of diabetes
Type 1
Hi. I purchased insurance for my holiday at the beginning of May and was wondering, since my birthday is late May, would that affect anything as it shows me as a year younger than what I am?

Thanks.
 
Looks like you were smart without realising it. :)

In most instances, you will have given your date of birth at application, and therefore the insurer's systems would take that into account when preparing your quote. Premiums are set at the point of the contract beginning, not when you travel.

Alternatively, if you are buying into a bulk policy (with, say a travel agent or operator), the premiums are often clumped together is massive lumps, for example, under 12 or 16 (i.e. child), 12 or 16 to 65 (adult) and over 65 (erm,........ mature person). On those the insurer accepts the collective risk on the basis that almost nobody needs to claim of holiday insurance, and therefore they save on complex systems and up their profitability.

Relax and enjoy your holiday.

The only thing I would suggest you are mindful of is ensuring your insurer is comfortable with your T2. Do you have any application paperwork, or policy wording? You should have (very boring) policy wording at least. The last thing you might need would be an argument over a pre-existing condition, if you needed to claim.
 
I received 4 attachments with the confirmation email. Would I need to print them all off?

The 4 documents are... Policy Schedule, Policy Wording, Policy summary and key facts.
 
TommyB2405 said:
I received 4 attachments with the confirmation email. Would I need to print them all off?

The 4 documents are... Policy Schedule, Policy Wording, Policy summary and key facts.
Click to expand...

I would suggest you print off the Policy Schedule and put it with your passport and other travel documents; just in case you need it. Otherwise, anything else you want to know will be in the policy wording, which is also likely to be the biggest and most boring document, but if you open it, in Adobe Acrobat, you should be able to use the "Find" utility to track down "pre-exsiting condition", "medical history" or "chronic conditions" (just examples).

Alternatively, if you feel concerned, there will be a helpline/customer services number somewhere on your paperwork that you could ring.

That'll be you occupied for the rest of the day then!!

Have a great, healthy holiday, whenever it is.
 
I've had reason to consult doctors in the US, Canada, Argentina and India. I'm working on a book "Doctors of the World" LOL. My experience has been that my credit card was more useful than anything else but printing everything from your insurer is the best policy. I didn't have any issues claiming on the insurance when I returned, which was through a company associated with my wife's employment, but the credit card was required for what were fairly straight forward things. My friend was hospitalised in France but he carried an E111 (EHIC now) valid in EU countries.
Have a great holiday.
 
Hi and welcome. The Metformin whilst it will help a bit won't make a large difference to your blood sugar so the best thing is to try some of the low-GI carbs you like and see what the meter says. Don't go mad but nothing is banned in sensible quantity.
 
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