• Guest - w'd love to know what you think about the forum! Take the 2025 Survey »

Travel Insurance...

C

claridge

Well-Known Member
Messages
170
Dislikes
Rude arrogant people
Hi,

I am a recently diagnosed Type 1 Diabetic and today called my Travel Insurance to advise them- she then proceeded to tell me that sickness is not covered because it is an Internet policy. This seems ludicrous! Just wondering if anyone has had any similar experiences? Fortunately l have a Life/PA Underwriter sitting across from me who has had a read and it looks like if lm diagnosed with an illness to call a certain number and see whether l am still covered or not- surely if l get a doctors certificate to say its under control it should be fine. Surely they cannot charge me more because l have diabetes!

Thanks, Jo
 
Hi Claridge/Joe.

Type Travel + Insurance in the search box top right. You will get about 110 results for the same questions you are asking.

A Dr's certificate means nothing to an Insurance Company - they make the rules up as they go along.

You asked : Surely they cannot charge me more because l have diabetes!

Oh, Yes they can and probably will. You will also have to check the small print very carefully ! A lot of Companies do not cover any pre-existing coditions ?

Take care.
Ken.
 
WE are a couple, both with diabetes and get our travel insurance through our bank account. There's no extra charges there
 
Hi Jo

I had to change my pre-booked travel insurance in light of diagnosis and they were brilliant, internet company and really cheap (direct travel I think) upgraded policy to cover diabetes and didn't charge extra as they said it wasn't my fault I was diagnosed after taking out the policy.

P.s. sorry I've not replied to your PM yet.... soooo busy at work... promise will reply soon!

Glad you're doing well

Cath xx
 
That diabetic travel link goes through to PJ Hayman, who should be able to provide top service at an affordable price. We are always interested to hear visitor experiences to make sure this service is as good as it can be.
 
well i been away from the forum for a while, been very busy :) but I am currently in Pakistan as I have just got married here :). I got my insurance from insure and go and found then very reasonable after some of the other ludicrus ones I got quotes from, this one cost me 65 pound for 3 months cover( i chose the long stay option) and had an optional amount of about the same to insure me for my type 1 diabetes. My type 1 mum always uses them too as they have been the best we found so far as she travels quite a lot .
 
I have an annual travel insurance with Travel Insurance Direct - "Business Annual Multitrip - Standard Europe 24 days per trip", cost me all of £29 and been with them for about 3 years now.

As a newly diagnosed T2, I obviously had to contact them and this afternoon I spoke to a very nice chap (Matt) about this. As soon as I said Diabetes Type 2 diet controlled only, it was added to my policy with no increase whatsoever and a new policy will arrive in a matter of days.

It turns out that if you manage your T2 on diet alone and not being under specialist care or any medication, they are perfectly happy to cover for the condition. However, if you have been referred to a specialist, take any medication or is any other type Diabetic you need to go through a medical screening and the cost could increase.

But I am pleased a punch for the time being at least!

Now I know a similar question was asked else where, but still .................. going through airports with your testing kit, does anybody have experience with carrying a copy of a travel insurance with Diabetes as a covered illness, if security would allow you through with your testing kit?? This is contra to carrying a Doctor's letter stating this. As my GP is refusing to support self testing, I would not be able to get a letter from him stating such and I wondered if one's Travel Insurance document would "do the trick".

Thank you as always for your input

Best
Alice
 
Hi Alice,

As I posted yesterday on another thread about travel insurance, doctors letters etc, the advice to carry a doctor's letter applies only to those who need to carry injection equipment with them in their hand luggage.

A test monitor cannot in any sense be regarded as a potential weapon, especially if you pack the lancets securely in your main luggage. It is probably safer to carry the monitor itself in your hand luggage as it is likely to get broken in hold luggage, but you wouldn't need a letter to cover this as the monitor itself has no sharp bits that could be used as a weapon.
 
Thank you Dennis, I do appreciate your reply and I did see it in the other post.

Guess I did not make myself very clear (blame it on my GP who greatly upset me today) - taking the test kit through security in you hand luggage when travelling with ONLY hand luggage.

I often travel for only 2-3 days and carry only hand luggage. Hence my question regarding the travel insurance vs. doctor's letter.

Sorry for not making myself clear!! I have slapped own wrist!! :lol:


Thanks
Alice
 
A test monitor cannot in any sense be regarded as a potential weapon, especially if you pack the lancets securely in your main luggage
Click to expand...

I wouldn't be too sure about that Dennis......if 'elf and safety have anything to do with it. I read in the paper the other day about I.D. being asked for in a supermarket when somebody tried to buy a spoon of all things. Apparently a spoon can now be classed as a potentially lethal weapon......I'm still waiting to hear of the first 'death by stirring' but is it possible they might look upon a testing kit as being lethal too.....launched from a catapult, my glucose monitor could cause quite a blow to the head.......we wouldn't want to upset 'elf and safety now, would we? :lol:
 
I know what you mean choccie. If youve ever cut youself on a piece of paper you will appreciate just how dangerous a book, newspaper or jotterpad can be! :lol:
 
Back
Top