T2 And Travel Insurance

rosco 2 · Sep 10, 2018

Good evening all. May I pick your collective brains? Until a June this year I was a carefree bunny, retired a few age related crumbles, no health issues or medication. So moving on I am now of metformin, ramipril and a statin. My beloved tells me that the quotes for travel insurance have escalated hugely with my new diagnosis. I am managing my bg pretty well, not remotely near hypo and I have lost weight etc etc. Any advice on insurance companies that actually don’t rip you off? Thank you.

Flora123 · Sep 10, 2018

It must be the drugs as my premium only went up £29 for an annual premium policy but I’m not in meds.

statler · Sep 10, 2018

You don’t mention your age but I’m 47 have a European policy for the year at a cost of £45 for the year for me and my mrs through coverwise, only know their true worth if you have to claim but I’ve been with them 4 years and barely went up with my diabetes

rosco 2 · Sep 10, 2018

Thank you for replies. I am 68, never claimed on health insurance, never had health issues. We usually get yearly policy, for travel to Europe, Egypt, Mexico.

Mr_Pot · Sep 10, 2018

rosco 2 said:
Thank you for replies. I am 68, never claimed on health insurance, never had health issues. We usually get yearly policy, for travel to Europe, Egypt, Mexico.

I am 70 and have not had any insurance loading for Type 2 (no drugs). I think the problem as you get older is with annual policies, I always just insure for the single trip.

carol43 · Sep 10, 2018

Try Insure & Go

DCUKMod · Sep 10, 2018

rosco 2 said:
Good evening all. May I pick your collective brains? Until a June this year I was a carefree bunny, retired a few age related crumbles, no health issues or medication. So moving on I am now of metformin, ramipril and a statin. My beloved tells me that the quotes for travel insurance have escalated hugely with my new diagnosis. I am managing my bg pretty well, not remotely near hypo and I have lost weight etc etc. Any advice on insurance companies that actually don’t rip you off? Thank you.

Rosco - I have no idea how old you, or your other half are (and not necessarily asking you to disclose it), but sometimes just ageing a year takes us over into a different bracket for insurances (over 60,65,70 etc). Few people meds-free, or just on Metformin will notice too much of a loading on travel insurance, but I would imagine you are taking the hit because of the triple diagnosis - diabetes, hypertension and high lipids.

Try the comparison sites and if nothing appropriate turns up there, then try a local broker.

britishpub · Sep 10, 2018

I use Holidaysafe for our annual travel insurance.

It was £45 this year.

gardengnome42 · Sep 10, 2018

DCUKMod said:
Rosco - I have no idea how old you, or your other half are (and not necessarily asking you to disclose it), but sometimes just ageing a year takes us over into a different bracket for insurances (over 60,65,70 etc). Few people meds-free, or just on Metformin will notice too much of a loading on travel insurance, but I would imagine you are taking the hit because of the triple diagnosis - diabetes, hypertension and high lipids.

Try the comparison sites and if nothing appropriate turns up there, then try a local broker.

Given the way statins are dished out like smarties 'Just in case' - it doesn't necessarily follow that anyone taking them has high cholesterol.

Flora123 · Sep 10, 2018

If you have a policy that covers US and Canada that may also be why the premium is high due to the extortionate costs of healthcare.

Prem51 · Sep 11, 2018

rosco 2 said:
Thank you for replies. I am 68, never claimed on health insurance, never had health issues. We usually get yearly policy, for travel to Europe, Egypt, Mexico.

DCUKMod said:
Rosco - I have no idea how old you, or your other half are (and not necessarily asking you to disclose it), but sometimes just ageing a year takes us over into a different bracket for insurances (over 60,65,70 etc). Few people meds-free, or just on Metformin will notice too much of a loading on travel insurance, but I would imagine you are taking the hit because of the triple diagnosis - diabetes, hypertension and high lipids.

Try the comparison sites and if nothing appropriate turns up there, then try a local broker.

My annual trip insurance goes up this year as I'm over 65. I will probably just get a single trip cover as I usually just go abroad once, in the winter.

Spinning-Fish · Sep 11, 2018

My yearly travel insurance was £79.79 this year through Asda. That’s for Worldwide inc USA and Canada. I’ve been quoted way more by other specialist companies.

Details declared:
Type 2
Metformin
2x BP meds
1x statin

Dr Snoddy · Sep 11, 2018

The Martin Lewis website moneysavingexpert has a useful link to insurance companies for older people with medical conditions. I got a much better deal from one of them than via the links on this website. And I am an older but adventurous traveller!

Sirmione · Sep 11, 2018

Really don't scrimp the last penny on travel insurance particularly if you are going to destinations outside the EU the internet is full of sob stories of those who have needed to claim only to find a cheap skate insurance company find some tiny loop hole to avoid paying out. Also make 100% sure you fully declare all existing medical conditions and medications.

jwd1 · Sep 17, 2018

Sirmione said:
Really don't scrimp the last penny on travel insurance particularly if you are going to destinations outside the EU the internet is full of sob stories of those who have needed to claim only to find a cheap skate insurance company find some tiny loop hole to avoid paying out. Also make 100% sure you fully declare all existing medical conditions and medications.

Big companies also try not to pay in my experience. i.e. I had travel insurance with Allianz ( a huge company), my mother died the night before we were due to go to the Canaries on holiday. I had to cancel the trip and it took the offices of the Ombudsman, lots of phone calls and correspondence for them to cough up £850 having made variuos deductions (excesses). They also told me that "I was lucky that the Death Certificate stated that she died of Old Age, as for just about anything else, heart attacks etc., they would not pay out. " This is the only time I have ever made a claim and worst fears of Insurance Company trying to find loop holes not to pay out. Disgusting bunch!!

T2 And Travel Insurance

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