1. Get the Diabetes Forum App for your phone - available on iOS and Android.
    Dismiss Notice
  2. Guest, we'd love to know what you think about the forum! Take the Diabetes Forum Survey 2021 »
    Dismiss Notice
  3. Diabetes Forum should not be used in an emergency and does not replace your healthcare professional relationship. Posts can be seen by the public.
    Dismiss Notice
  4. Guest, stay home, stay safe, save the NHS. Stay up to date with information about keeping yourself and people around you safe here and GOV.UK: Coronavirus (COVID-19). Think you have symptoms? NHS 111 service is available here.
    Dismiss Notice
Dismiss Notice
Find support, ask questions and share your experiences. Join the community »

Travel Insurance HIGH as Type2

Discussion in 'Ask A Question' started by seanie, May 16, 2015.

  1. seanie

    seanie · Member

    Messages:
    12
    Likes Received:
    0
    Trophy Points:
    21
    Hi,
    Off to USA and Travel Insurance seems high as I am type2 and Blood Pressure.
    Any advise on best web site to check prices on various Insurance Companies who may be cheaper for Diabetics?
    Kindest
    S
     
  2. noblehead

    noblehead Type 1 · Guru
    Retired Moderator

    Messages:
    23,618
    Likes Received:
    19,618
    Trophy Points:
    278
    I'm not sure for travel insurance but the comparison websites like Compare the Market & Money Supermarket are pretty good for insurance quotes, although you have to be aware they don't get quotes from all insurance providers as some insurance companies won't pay them commission so they are excluded from the search.
     
  3. Sancho panza

    Sancho panza Type 2 · Well-Known Member

    Messages:
    465
    Likes Received:
    916
    Trophy Points:
    158
    I'm T2 and my insurance went up a small amount however my partner is a T1 and I fInd it cheaper to insure us both on an annual multi trip policy.
    That said I've only ever done it for Europe and not the USA.
     
  4. Jude

    Jude Type 2 · Well-Known Member

    Messages:
    428
    Likes Received:
    83
    Trophy Points:
    68
    My experience is only with Europe but I use payingtoomuch.com who will give you many quotes from different companies.
     
  5. himtoo

    himtoo Type 1 · Well-Known Member
    Retired Moderator

    Messages:
    4,730
    Likes Received:
    5,442
    Trophy Points:
    198
    Travel insurance to the USA does tend to be more expensive than europe because the USA system is all Private -- like our BUPA private healthcare here.
    I use staysure and find them to be very competitive as a Type 1.
     
  6. DeejayR

    DeejayR Type 2 (in remission!) · Well-Known Member

    Messages:
    2,358
    Likes Received:
    6,232
    Trophy Points:
    178
    I got clobbered by Saga this year with a premium for £360 for two weeks in the US, for me as a Type 2 not on meds and the wife. Being old we have used Saga for travel & household contents insurance for years but we will be shopping around with a vengeance now. Previously, especially to Europe for the reasons stated above, Saga have been very reasonable, but it seems diabetes and private healthcare in the US don't mix.
     
    • Like Like x 2
  7. himtoo

    himtoo Type 1 · Well-Known Member
    Retired Moderator

    Messages:
    4,730
    Likes Received:
    5,442
    Trophy Points:
    198
    OUCH :arghh: that is a fair old whack -- but if you were to break a bone or get a minor injury over there the costs would run into the low thousands.

    My dad lives there and has private medical insurance so he did not have to pay this -- about 3 years ago he had a quadruple bypass and the bill was about $150,000 for the operation and 4 days in intensive care
     
    • Like Like x 2
  8. AndBreathe

    AndBreathe I reversed my Type 2 · Expert
    Retired Moderator

    Messages:
    9,781
    Likes Received:
    15,804
    Trophy Points:
    178
    Since diagnosis, I have bought travel insurance twice; both times for trips lasting months, not weeks, and to cover USA, Canada and the Caribbean. On neither occasion was I loaded at all. My premiums were the "advertised rate" for someone on my circumstances with no health conditions.

    Much will depend on how your diabetes is controlled, and whether you have any other relevant medical conditions. I am extremely fortunate that I have never taken medication for diabetes and I am otherwise healthy and don't take any medication whatsoever.

    I think you need to shop around, but I just went through moneysupermarket, if I recall correctly.
     
    • Like Like x 2
  9. Patricia21

    Patricia21 Type 2 · Well-Known Member

    Messages:
    1,764
    Likes Received:
    6,896
    Trophy Points:
    178
    I always buy world wide yearly travel insurance,as i have family in Abu Dhabi.
    For hubby and myself I have just paid £174.28,I declared our health problems.
    They wont cover me for a pending condition as I am waiting to have my gall bladder out,been waiting since January with no problems.Going to Spain next week.I can use my E111cardif any problems in Spain ,done a lot of reserch on it,sussed out local hospitals,done some Spanish translations for gall stones,as my Spanish isnt up to that,and taking the calculated risk,Cant put my life on hold for ever.but will cope in Europe.
    My travel insurance paid out £2000 in January for a three day stay in hospital in Abu Dhabi,I had only been there six hours and developed pancreatitis which I had never had before,Its the first claim I have ever had.and they were realy good..just sent the invoices and they paid within a week.If I had any sence at the time I would have got my gall bladder out there and it would have been done with,but I was scared of the cost which I found out later would have been no problem.
    My Insurance is Flexicover.
     
  10. Patricia21

    Patricia21 Type 2 · Well-Known Member

    Messages:
    1,764
    Likes Received:
    6,896
    Trophy Points:
    178
    To add to that,going into hospital abroad you have to pay a deposit before a Dr will see you,the last thing you think about is money if you are in agony,but I had my handbag credit card and passport with me,I had £5000 on my credit card so that was fine,If I had the opperation it would have cost more than £5000 ,than what do you do?Not easy to get to your savings when abroad and in hospital.and you cant leave without paying..

    It wouldnt have been a problem for me as my daughter lives there and she could have paid
    Its worth a thought,and you never think it will happen to you.
     
  • Meet the Community

    Find support, connect with others, ask questions and share your experiences with people with diabetes, their carers and family.

    Did you know: 7 out of 10 people improve their understanding of diabetes within 6 months of being a Diabetes Forum member. Get the Diabetes Forum App and stay connected on iOS and Android

    Grab the app!
  • Tweet with us

  • Like us on Facebook