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Travel Insurance

M

MishyUK

Member
Messages
5
Hi All

We are going on holiday to Spain in 5 weeks time but trying to find the right Travel Insurance that excepts people with medical conditions is a nightmare :crazy:

Does anyone know of any decent Travel Insurance Covers that accept people with Diabetes, High Blood Pressure & High Cholesterol levels?

Please any advice would be helpful



Mishy
 
Hia Mishy - I am T1 and my husband has asthma and takes pills for high blood pressure. I insure through Liverpool Victoria and whilst they may not be the cheapest around (?) they seem very good. :thumbup:
 
Hope you get something sorted soon :thumbup:
 
Hi there.

I've just taken out insurance with Liverpool Victoria and their rates are absolutely excellent. They have a good reputation as well. We paid £44 for a trip to France and Belgium next month.

This is with pre-existing and declared medical conditions, as my diabetes was included. My partner has high BP and is on tablets.

Last year we went with First Direct, but we paid near £80 for the two of us, so they are good value.

Dave
 
Hi

We went with LV last year to Europe at a cost of £64 to cover diabetes and depression.

This year we went with diabetes UK as a cost of £33 to cover the above plus PCOS. Their house insurance was cheaper too AND 5% is given to the charity at no extra cost to yourself.

Regards
Juliette.
 

Oh! We thought they were rather expensive when we got a quote from them last year - some £70+.
 
Hi Mishy,
I am T2 diabetic and my hubby has high cholesterol, We have been abroad twice this year so far and we went to tenerife for christmas last year. Each time we have insured with sainsburys travel insurance. You should not have any problems with regard to the diabeties side of things but there was a small adition to the cost with regard to the high cholesterol side of it. We booked the insurance on line and it was very easy. I hope this helps you.
 
avy said:
You should not have any problems with regard to the diabeties side of things
Click to expand...

Do be careful here. Some companies don't seem to rais premiums for diabetes, BUT, they then exclude diabetes-related incidents from any claims. Who'se to say that your heart-attack in the USA didn't come because of diabetes? In other words, you leave yourself vulnerable if diabetes is excluded. So make sure that diabetes is a KNOWN and ACCEPTED risk on the policy. I was offered 40% off by the AA if diabetes was excluded as a risk, but refused. Didn't want them saying "we reckon that illness was a result of your condition so we're not paying"
 
Out of curiosity I looked at the policy document of an insurance that claims to automatically waive over 200 pre existing conditions without question. The list included such conditions as chicken pox (resolved), vasectomy, haemorrhoids, hay fever, hammer toes. acne and the common cold! Would anyone have thought to report them?
(they would also automatically cover T2 if no more than 2 medications were involved but no automatic waiver if you also needed to stake blood pressure or cholesterol medicines)
 

I have had exclusions offered to me too, but shyed away. Better to cover all eventualities.

Additionally, I forgot to mention on my previous post that insurance primiums reduce the nearer you get to your holiday. Diabetes UK explained that this is because the cancellation period is shorter. So, if you are in good general health, it is worth leaving the purchase of insurance as late as possible.

Regards
Juliette :wink:
 
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