hallii Posted February 14, 2017 Share Posted February 14, 2017 My wife has a medical condition recently diagnosed that whilst it does not affect her in any way the insurance companies simply will not cover her for any "existing conditions". I have tried a few and believe me, there isn't an insurance company that will do cover. So, I can get cover excluding "existing conditions" or " those conditions related to or caused by blah blah.... However when I read through what is actual COVERED it leaves very little of practical use at all. We only ever needed medical cover the rest of it is not of interest. So I have some options, give up travelling in Europe, continue with useless cover or just depend on the EH1C. Does anyone else just depend on the EH1C? At least whilst we are still in the EU and it is valid. We are both getting near to that 75 years old that makes cover more difficult anyway, maybe it's time to holiday in the UK all the time (YUK!). H Link to comment Share on other sites More sharing options...
malc d Posted February 14, 2017 Share Posted February 14, 2017 hallii - 2017-02-14 4:03 PM My wife has a medical condition recently diagnosed that whilst it does not affect her in any way the insurance companies simply will not cover her for any "existing conditions". I have tried a few and believe me, there isn't an insurance company that will do cover. It might be worth asking for advice at the hospital . Insurance companies don't understand health problems and simply carry out a box ticking exercise when " assessing " risk. ( i.e. they don't assess anything ) Some hospitals have info on specialist insurers. Good luck. Link to comment Share on other sites More sharing options...
Guest pelmetman Posted February 14, 2017 Share Posted February 14, 2017 We have health insurance although I'm not sure why, as I had a accident over 2 weeks ago helping a tugger move his caravan, I was pulling on the rear handle when it came off in my hand and I went flying 8-) ........ Thought I'd stove'd my ribs in, couldn't get my breath or bend to get in a car, so ended with a ambulance to the local hospital :'( ........ Neither the ambulance or hospital were interested in our private insurance, all they wanted was the E11 and my passport........so next year I reckon I'll save myself 200 quid and not bother with the health insurance ;-) ........ ......and in future I'll only ever push a Swift caravan, as it appears they only screw their bleedin handles on >:-( ...... Link to comment Share on other sites More sharing options...
malc d Posted February 14, 2017 Share Posted February 14, 2017 pelmetman - 2017-02-14 5:01 PM Neither the ambulance or hospital were interested in our private insurance, all they wanted was the E11 and my passport........so next year I reckon I'll save myself 200 quid and not bother with the health insurance ;-) ........ The EHIC only covers medical attention - so if you go without health insurance just make sure you don't need repatriation. ;-) Link to comment Share on other sites More sharing options...
Guest pelmetman Posted February 14, 2017 Share Posted February 14, 2017 malc d - 2017-02-14 5:12 PM pelmetman - 2017-02-14 5:01 PM Neither the ambulance or hospital were interested in our private insurance, all they wanted was the E11 and my passport........so next year I reckon I'll save myself 200 quid and not bother with the health insurance ;-) ........ The EHIC only covers medical attention - so if you go without health insurance just make sure you don't need repatriation. ;-) Fair comment, but given my experience of the Spanish medical system when compared to the NHS........I'm not sure I'd want repatriation ;-) ......... Link to comment Share on other sites More sharing options...
phalange Posted February 14, 2017 Share Posted February 14, 2017 Have you tried www.insurancewith.co.uk Link to comment Share on other sites More sharing options...
arthur49 Posted February 14, 2017 Share Posted February 14, 2017 hallii - 2017-02-14 4:03 PM My wife has a medical condition recently diagnosed that whilst it does not affect her in any way the insurance companies simply will not cover her for any "existing conditions". I have tried a few and believe me, there isn't an insurance company that will do cover. So, I can get cover excluding "existing conditions" or " those conditions related to or caused by blah blah.... However when I read through what is actual COVERED it leaves very little of practical use at all. We only ever needed medical cover the rest of it is not of interest. H I realise you say you've had no luck with an insurance company but I have leukaemia (together with other less serious issues) and last year I was able to get full cover for myself and wife for all pre existing medical conditions including leukaemia, from this lot https://www.avantitravelinsurance.co.uk/ We got full Annual cover Worldwide ex North America and Carribean for £604 (less if we'd stuck to Europe but we wanted to go to Asia and Oz). Mind we are younger - mid to late 60s. Cover has expired now and I've made no attempt to renew yet as another medical issue is waiting to be resolved! Link to comment Share on other sites More sharing options...
hallii Posted February 14, 2017 Author Share Posted February 14, 2017 arthur49 - 2017-02-14 5:37 PM hallii - 2017-02-14 4:03 PM My wife has a medical condition recently diagnosed that whilst it does not affect her in any way the insurance companies simply will not cover her for any "existing conditions". I have tried a few and believe me, there isn't an insurance company that will do cover. So, I can get cover excluding "existing conditions" or " those conditions related to or caused by blah blah.... However when I read through what is actual COVERED it leaves very little of practical use at all. We only ever needed medical cover the rest of it is not of interest. H I realise you say you've had no luck with an insurance company but I have leukaemia (together with other less serious issues) and last year I was able to get full cover for myself and wife for all pre existing medical conditions including leukaemia, from this lot https://www.avantitravelinsurance.co.uk/ We got full Annual cover Worldwide ex North America and Carribean for £604 (less if we'd stuck to Europe but we wanted to go to Asia and Oz). Mind we are younger - mid to late 60s. Cover has expired now and I've made no attempt to renew yet as another medical issue is waiting to be resolved! I will give them a try, thanks for the link. I should say that I have had a couple of quotes but they were in the four figure bracket and I ain't paying that for a total of about 90 days away! H Link to comment Share on other sites More sharing options...
hallii Posted February 14, 2017 Author Share Posted February 14, 2017 malc d - 2017-02-14 5:12 PM pelmetman - 2017-02-14 5:01 PM Neither the ambulance or hospital were interested in our private insurance, all they wanted was the E11 and my passport........so next year I reckon I'll save myself 200 quid and not bother with the health insurance ;-) ........ The EHIC only covers medical attention - so if you go without health insurance just make sure you don't need repatriation. ;-) Good point but my ADAC cover will get me and the van home in the event of illness or accident so covered there. H Link to comment Share on other sites More sharing options...
Brian Kirby Posted February 14, 2017 Share Posted February 14, 2017 hallii - 2017-02-14 5:53 PM arthur49 - 2017-02-14 5:37 PM hallii - 2017-02-14 4:03 PM My wife has a medical condition recently diagnosed that whilst it does not affect her in any way the insurance companies simply will not cover her for any "existing conditions". I have tried a few and believe me, there isn't an insurance company that will do cover. So, I can get cover excluding "existing conditions" or " those conditions related to or caused by blah blah.... However when I read through what is actual COVERED it leaves very little of practical use at all. We only ever needed medical cover the rest of it is not of interest. H I realise you say you've had no luck with an insurance company but I have leukaemia (together with other less serious issues) and last year I was able to get full cover for myself and wife for all pre existing medical conditions including leukaemia, from this lot https://www.avantitravelinsurance.co.uk/ We got full Annual cover Worldwide ex North America and Carribean for £604 (less if we'd stuck to Europe but we wanted to go to Asia and Oz). Mind we are younger - mid to late 60s. Cover has expired now and I've made no attempt to renew yet as another medical issue is waiting to be resolved! I will give them a try, thanks for the link. I should say that I have had a couple of quotes but they were in the four figure bracket and I ain't paying that for a total of about 90 days away! H Have you explored the health insurances that come "free" with some bank accounts? We use Nationwide, and their health insurance can be varied for length of stay (I've increased ours to 90 days), age, and pre-existing medical conditions. They "allow" one condition (subject to acceptance) without charge, but I have one and my wife has two, and neither incurs an additional premium. The provider is UK Insurance, but I have no idea whether they offer their products direct, or only through banks etc. You could try ringing them and asking. They seem very straightforward to deal with, and the policy is reasonably clear and to the point. They may even tell which bank to switch to! :-D Link to comment Share on other sites More sharing options...
Derek Uzzell Posted February 15, 2017 Share Posted February 15, 2017 Comfort Insurance can offer a travel insurance policy for people under age-80 who have pre-existing medical conditions. Details of the policy can be found here https://2s48jvfpl1l3jrkp72d55xu1-wpengine.netdna-ssl.com/wp-content/uploads/Travel-Policy-Wordings-April-16.pdf and the “IMPORTANT HEALTH REQUIREMENTS” section is on Page 5. Link to comment Share on other sites More sharing options...
derek pringle Posted February 15, 2017 Share Posted February 15, 2017 hi hallii, you should try giving Staysure a call. We are insured with them,me having more than one existing condition. Also, trips away start at 50 days. We are both just short of 70 yrs old. Reasonable premium as well. cheers derek i am just a customer of Staysure Link to comment Share on other sites More sharing options...
PJay Posted February 15, 2017 Share Posted February 15, 2017 Brian Kirby - 2017-02-14 7:11 PM hallii - 2017-02-14 5:53 PM arthur49 - 2017-02-14 5:37 PM hallii - 2017-02-14 4:03 PM My wife has a medical condition recently diagnosed that whilst it does not affect her in any way the insurance companies simply will not cover her for any "existing conditions". I have tried a few and believe me, there isn't an insurance company that will do cover. So, I can get cover excluding "existing conditions" or " those conditions related to or caused by blah blah.... However when I read through what is actual COVERED it leaves very little of practical use at all. We only ever needed medical cover the rest of it is not of interest. H I realise you say you've had no luck with an insurance company but I have leukaemia (together with other less serious issues) and last year I was able to get full cover for myself and wife for all pre existing medical conditions including leukaemia, from this lot https://www.avantitravelinsurance.co.uk/ We got full Annual cover Worldwide ex North America and Carribean for £604 (less if we'd stuck to Europe but we wanted to go to Asia and Oz). Mind we are younger - mid to late 60s. Cover has expired now and I've made no attempt to renew yet as another medical issue is waiting to be resolved! I will give them a try, thanks for the link. I should say that I have had a couple of quotes but they were in the four figure bracket and I ain't paying that for a total of about 90 days away! H Have you explored the health insurances that come "free" with some bank accounts? We use Nationwide, and their health insurance can be varied for length of stay (I've increased ours to 90 days), age, and pre-existing medical conditions. They "allow" one condition (subject to acceptance) without charge, but I have one and my wife has two, and neither incurs an additional premium. The provider is UK Insurance, but I have no idea whether they offer their products direct, or only through banks etc. You could try ringing them and asking. They seem very straightforward to deal with, and the policy is reasonably clear and to the point. They may even tell which bank to switch to! :-D Likewise, we are with nationwide. Both 80+ with problems. Extended to 90 days away no problems Been with them for many years, and very few companies will insure once you get to 80, so wise to stay put me thinks Nat west cancelked our "life insurence at 80", havibng paidinto it for a number of years PJay Link to comment Share on other sites More sharing options...
hallii Posted February 15, 2017 Author Share Posted February 15, 2017 Thanks for all the input guys, once more you have (collectively) solved my problem. Comfort have come up with a solution, they simply excluded the problem condition and have covered the rest, the premium is not bad either, so I will take their policy out. :-D H Link to comment Share on other sites More sharing options...
arthur49 Posted February 16, 2017 Share Posted February 16, 2017 PJay - 2017-02-15 8:03 PM Likewise, we are with nationwide. Both 80+ with problems. Extended to 90 days away no problems Been with them for many years, and very few companies will insure once you get to 80, so wise to stay put me thinks Nat west cancelked our "life insurence at 80", havibng paidinto it for a number of years PJay We bank with Nationwide and have 'free' travel insurance. When we had 'minor' health issues we were charged about £150/year which we thought fair. HOWEVER when I declared leukaemia they were not prepared to cover me unless it was excluded. Glad you are fixed Hallii. Don't mean to drag the thread out but getting older brings health issues and its maybe useful to share Link to comment Share on other sites More sharing options...
spospe Posted February 16, 2017 Share Posted February 16, 2017 H If you qualify, NFOP say they will cover all pre-existing conditions at no additional premium. Have a look at: http://www.nfoptravelinsurance.org.uk/ Michael Link to comment Share on other sites More sharing options...
ron. Posted February 16, 2017 Share Posted February 16, 2017 pelmetman - 2017-02-14 5:01 PM Neither the ambulance or hospital were interested in our private insurance, all they wanted was the E11 and my passport........so next year I reckon I'll save myself 200 quid and not bother with the health insurance >:-( ...... Funny old world. I had leg injuries in Germany last summer and the hospital didn't want to know about the E11 - only cash or credit card. Link to comment Share on other sites More sharing options...
Guest pelmetman Posted February 16, 2017 Share Posted February 16, 2017 ron. - 2017-02-16 10:25 AM pelmetman - 2017-02-14 5:01 PM Neither the ambulance or hospital were interested in our private insurance, all they wanted was the E11 and my passport........so next year I reckon I'll save myself 200 quid and not bother with the health insurance >:-( ...... Funny old world. I had leg injuries in Germany last summer and the hospital didn't want to know about the E11 - only cash or credit card. That's Germany for you ;-) ......They only make the rules, they don't follow them :D ........ Link to comment Share on other sites More sharing options...
flicka Posted February 16, 2017 Share Posted February 16, 2017 Just to expand Brian's post regarding Nationwide & UK Insurance. I needed to extend the Nationwide cover for a medical condition, but also contacted UK Insurance for a comparison. Nationwide required additional premium as expected, but the UK Insurance direct quote was far in excess of the additional Nationwide premium + an addition to allow for a common average of normal (no medical conditions) premium. This was for Annual cover, Europe only. So it would appear that Nationwide do offer standard cover cheaper that direct with the UK Insurance underwriter. (For me at least) Link to comment Share on other sites More sharing options...
PJay Posted February 17, 2017 Share Posted February 17, 2017 flicka - 2017-02-16 10:04 PM Just to expand Brian's post regarding Nationwide & UK Insurance. I needed to extend the Nationwide cover for a medical condition, but also contacted UK Insurance for a comparison. Nationwide required additional premium as expected, but the UK Insurance direct quote was far in excess of the additional Nationwide premium + an addition to allow for a common average of normal (no medical conditions) premium. This was for Annual cover, Europe only. So it would appear that Nationwide do offer standard cover cheaper that direct with the UK Insurance underwriter. (For me at least) Nationwide do offer cover "free" with bank account. You have to pay for extras, ie 0ver 70 pre existing conditions, and trip extension. Ours is £240, for 90 days extn, pre conditions and over 80. . I think that will take some beating . OK it is for europe only, but should we want to go further (Not likely now) we can buy extra cover. We did most of our travelling years ago, worldwide. i think our next step it is see the UK now, as lot;s of places never been too. No worry about currency/health or food either. PJay. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.