Coachman Posted October 21, 2008 Share Posted October 21, 2008 One year i wrote on the C&CC insurance form that i was taking anti inflamortory pill and they put the charge up a further £40. After a knee and shoulder replacement and blood pressure pills i dare not ask them how much now . Talking to my GP , he said that all my medication has got every thing under controll so why would they put a premium on the insurance , Surely most people of 70 plus are taking something so why do these companies rip us off. (?) Link to comment Share on other sites More sharing options...
Guest Tracker Posted October 21, 2008 Share Posted October 21, 2008 Do they need a reason to rip us off then - I thought it was normal to be penalised for being honest! Anyone on medication for any known condition should, by virtue of the condition being known and treated, be a lower risk than an undiagnosed person who has not seen a doctor for years and has no known conditions at any age let alone a senior age? Link to comment Share on other sites More sharing options...
michele Posted October 21, 2008 Share Posted October 21, 2008 Now Rich a man of wise words...shame the world is back to front aint it . life sucks nothing for being honest ...anyway i suppose you could look at it another way .its £721 for us to take the little one out th country each trip they wont offer annual. Now count your lucky stars . Link to comment Share on other sites More sharing options...
Klyne Posted October 21, 2008 Share Posted October 21, 2008 Pastiche - 2008-10-21 5:47 PM One year i wrote on the C&CC insurance form that i was taking anti inflamortory pill and they put the charge up a further £40. After a knee and shoulder replacement and blood pressure pills i dare not ask them how much now . Talking to my GP , he said that all my medication has got every thing under controll so why would they put a premium on the insurance , Surely most people of 70 plus are taking something so why do these companies rip us off. (?) Interesting the CC&C should slap an extra premium on. We always use the Caravan Club Red Pennant and the way they handle it is for you to do an assessment over the phone. I also take pills for blood pressure and Margaret has type 2 diabetes for which she takes medication. Having gone through the assessment we were accepted with no additional premium and these conditions are covered by the policy. We are both younger so whether that and the fact that you have had joint replacements is the reason. David Link to comment Share on other sites More sharing options...
myshell Posted October 21, 2008 Share Posted October 21, 2008 Hi Tracker. Have you considered getting a quote from SAGA. I Have used them for the last few years and have been more than satisfied with the pemium, works out even better if you use the multi trip rather than the single "one off", costs nowt to ask! regards Phil Link to comment Share on other sites More sharing options...
maggyd Posted October 21, 2008 Share Posted October 21, 2008 We used Rias for the over 50s they give you a quote and hand you over to a nurse for the extra assessment O.H. had to pay an extra £18 for B.P. and mine was £9 extra for mini stroke. Link to comment Share on other sites More sharing options...
BrianR Posted October 21, 2008 Share Posted October 21, 2008 I have found the Bradford & Bingley very good for a multi trip policy for an over 70. Be careful about the maximum trip length on whatever policy you buy. Link to comment Share on other sites More sharing options...
Mel E Posted October 22, 2008 Share Posted October 22, 2008 There was an article in the May 2008 issue of MMM specifically about Travel Insurance, which listed, on page 196, 10 companies offering insurance to over 70s with PEMC. One of them even covered over 90s with PEMC (Pre-Existing Medical Conditions). (OK, yes, I writed the articul!) I have since discovered that the free travel insurance that you get with a Capital One World Mastercard has no exclusions for PEMC. But, of course, you do need to get a card (it gives you 1% back on all purchases (4% for the first 3 months)). There is no charge for the card, but to qualify for the travel insurance, you must pay 75% of travel and accommodation costs using the card and the maximum single trip limit is 60 days. Mel E ==== Link to comment Share on other sites More sharing options...
Don Madge Posted October 22, 2008 Share Posted October 22, 2008 http://www.citybond.co.uk/index.jsp has reasonably priced cover if you are under 65. The extra charges for pre existing medical conditions are reasonable as well. Don Link to comment Share on other sites More sharing options...
little-jack Posted October 22, 2008 Share Posted October 22, 2008 Caravan Club didnt charge me extra for PEMC last year little jack Link to comment Share on other sites More sharing options...
Andy_C Posted October 22, 2008 Share Posted October 22, 2008 Looks a bit pricey to me Don, Direct Travel seem quite reasonable, and offer four different levels of cover. They do exclude PEMCs though. Andy_C Link to comment Share on other sites More sharing options...
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